# EDGAR Filing Document

**Accession Number:** 0002069300
**File Stem:** 0001213900-25-069968
**Filing Date:** 2025-7
**Character Count:** 7447633
**Document Hash:** 58e9b2de88acaba13759bb73b851236e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-25-069968.hdr.sgml**: 20250731

**ACCESSION NUMBER**: 0001213900-25-069968

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

**PUBLIC DOCUMENT COUNT**: 45

**CONFORMED PERIOD OF REPORT**: 20250731

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

**FILED AS OF DATE**: 20250731

**DATE AS OF CHANGE**: 20250731

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2025-RCF4, LLC
- **CENTRAL INDEX KEY:** 0002069300

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07874
- **FILM NUMBER:** 251171461

**BUSINESS ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
- **BUSINESS PHONE:** 6028028305

**MAIL ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2025-RCF4, LLC
- **CENTRAL INDEX KEY:** 0002069300

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
- **BUSINESS PHONE:** 6028028305

**MAIL ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2025-RCF4, LLC
- **CENTRAL INDEX KEY:** 0002069300

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
- **BUSINESS PHONE:** 6028028305

**MAIL ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251

OMB Number: 3235-0675

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549**

<br> **FORM ABS-15G<br>ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

**<u>PRP DEPOSITOR 2025-RCF4, LLC</u>**

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: <u>0002069300</u>

PRPM 2025-RCF4, LLC

(Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): <u>Not applicable</u>

Central Index Key Number of underwriter (if applicable): <u>Not applicable</u>

Jim Barrons, (602) 802-8305

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

to contact in connection with this filing.

**FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

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

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

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | PRP DEPOSITOR 2025-RCF4, LLC | PRP DEPOSITOR 2025-RCF4, LLC |
| Date: July 31, 2025 | By: | /s/ Jeff Padden |
|  | Name: | Jeff Padden |
|  | Title: | General Counsel |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report - Consolidated Analytics, Inc. Narrative](ea025079701_ex99-1.htm)

[Schedule 1 – Due Diligence Report](ea025079701_ex99-1sch1.htm)

[Schedule 2 – Rating Agency Grades Summary Report](ea025079701_ex99-1sch2.htm)

[Schedule 3 – Valuations Summary Report](ea025079701_ex99-1sch3.htm)

[Schedule 4 – Data Compare](ea025079701_ex99-1sch4.htm)

[99.2 - Third Party Due Diligence Report – Canopy Financial Technology Partners LLC Diligence Narrative](ea025079701_ex99-2.htm)

[Schedule 1 – ATR QM Report](ea025079701_ex99-2sch1.htm)

[Schedule 2 – Data Compare Report](ea025079701_ex99-2sch2.htm)

[Schedule 3 – RA Grades Detail Report](ea025079701_ex99-2sch3.htm)

[Schedule 4 – RA Grades Summary Report](ea025079701_ex99-2sch4.htm)

[Schedule 5 – Valuation Report](ea025079701_ex99-2sch5.htm)

[99.3 - Third Party Due Diligence Report – Infinity IPS, Inc. Narrative](ea025079701_ex99-3.htm)

[Schedule 1 – Disposition and Comments Report](ea025079701_ex99-3sch1.htm)

[Schedule 2 – Finding Details Report](ea025079701_ex99-3sch2.htm)

[Schedule 3 – Payment history Report](ea025079701_ex99-3sch3.htm)

[Schedule 4 – Data Compare Report](ea025079701_ex99-3sch4.htm)

[Schedule 5 – Delinquent Tax, HOA and Muni Lien Report](ea025079701_ex99-3sch5.htm)

[Schedule 6 – RA Grades](ea025079701_ex99-3sch6.htm)

[99.4 - Third Party Due Diligence Report – OneDiligence, LLC Narrative](ea025079701_ex99-4.htm)

[Schedule 1 – Delinquent Tax Report](ea025079701_ex99-4sch1.htm)

[Schedule 2 – Securitization Report](ea025079701_ex99-4sch2.htm)

[99.5 - Third Party Due Diligence Report – AMC Diligence, LLC Narrative](ea025079701_ex99-5.htm)

[Schedule 1 – Data Compare Report](ea025079701_ex99-5sch1.htm)

[Schedule 2 – Exception Grades Report](ea025079701_ex99-5sch2.htm)

[Schedule 3 – Rating Agency Grades Report](ea025079701_ex99-5sch3.htm)

[Schedule 4 – Valuation Summary](ea025079701_ex99-5sch4.htm)

[Schedule 5 – Supplemental HELOC Report](ea025079701_ex99-5sch5.htm)

[Schedule 6 –Title Report](ea025079701_ex99-5sch6.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_001.jpg)

Consolidated Analytics, Inc.

Form ABS Due Diligence 15-E

PRPM 2025-RCF4

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

**FORM ABS DUE DILIGENCE-15E**

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

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

Legal Name: Consolidated Analytics, Inc.

Business Name (If Different):

Principal Business Address: 1 MacArthur Place – Suite 100, Santa Ana, CA 92707

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

Legal Name: BM-SC, LLC

Business Name (If Different):

Principal Business Address: 7114 E. Stetson Dr., Suite 250, Scottsdale, Arizona 85251

In connection therewith, Clients shall pay to Consolidated Analytics the greater of a fee totaling $2500.00 or $25 per loan, which fee the Clients acknowledge and agree shall be paid concurrently with the funding of the transaction in connection with which this letter is being delivered.

**Item 3: Credit rating criteria**

The third-party due diligence services are intended to generally comply with currently known rating agency criteria for newly originated mortgage loans.

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

See Attachment A.

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

See Attachment B.

**CERTIFICATION**

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

Consolidated Analytics, Inc.

---

| |
|:---|
| By: |
| Date: |

---

**Attachment A**

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

PRPM 2025-RCF4

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

Consolidated Analytics, Inc. ("Consolidated Analytics") performed certain due diligence services (the "Review") described below on behalf of BM-SC, LLC (the "Client"). The Review was conducted from January 2022 through September 2023 on mortgage loans originated between January 2022 and September 2023.

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

The Review consisted of a sample population of 8 loans with an aggregate principal balance of $10,204,029.00.

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

The sample population was determined and provided by Consolidated Analytics' clients (as identified by Item 2). The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations DBRS, Inc. and Fitch Ratings, Inc., NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E. Consolidated Analytics does not know the size of the overall securitization population and other third-party review ("TPR") firms may have reviewed loans within the overall securitization population.

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

Consolidated Analytics compared data fields on the bid tape provided by the Clients to the data found in the actual mortgage loan file as captured by Consolidated Analytics. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; <br> Application Date | &nbsp;&nbsp;PITIA | &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;Monthly Insurance | &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;Credit QM/ATR Designation | &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;Borrower Appraisal Receipt Date |
| &nbsp;&nbsp;Qualifying Total Monthly Liabilities | &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;P&I |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;Original Interest Only Term | &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;Total Liquid Assets Available For Close | &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;Property Address | &nbsp;&nbsp;All Borrower Total Income |
| &nbsp;&nbsp;Original Appraised Property Value | &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;Property City | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;As-is Value | &nbsp;&nbsp;Borrower 1 Total Years Employment/S-E Verified |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;Property County | &nbsp;&nbsp;Min No |
| &nbsp;&nbsp;Non QM Months Reserves | &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;Prepayment Penalty Total Term |

---

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

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

The Credit Review attempted to confirm the following:

A. QM or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;1. Income / Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate borrower(s) monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate funds required to close, required reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;2. Employment Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly Mortgage Payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;4. Simultaneous Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate all concurrent loans are included in the DTI to properly assess the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;5. Mortgage Related Obligations: PITI, HOA, PMI, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;6. Debts / Obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;7. DTI and/or Residual Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;8. Credit History

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review credit report for credit history and required credit depth including any / all inquiries

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Determine representative credit score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;9. Validate loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;10. Review borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;11. Validation through third party resource of the subject properties most recent twelve (12) month sales
history

&nbsp;&nbsp;&nbsp;&nbsp;12. Confirm sufficient evidence in loan file, by reviewing the underwriter's decision to approve the
loan based upon the borrows income, debt, and credit history, to support borrower's willingness and ability to repay the debt

&nbsp;&nbsp;&nbsp;&nbsp;13. Confirm that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;14. Provide Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;15. Confirm Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;16. Review condominium questionnaire to verify all information is complete, prepared by an authorized representative,
and address any red flags that may deem condominium project ineligible

&nbsp;&nbsp;&nbsp;&nbsp;17. General QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than the applicable dollar amount threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home with a loan amount equal to or greater than the applicable
dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Consider Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Verification of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification in compliance with one of the "safe harbor" guidelines will meet the QM verification requirement. A creditor
is allowed to "mix and match" provisions of the different guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the **verification** requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing Policy Handbook, issued October 24,
2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single Family Housing Program, revised
March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family Guaranteed Loan Program, revised
March 19, 2020.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;1. Review original appraisal, determination that property is in "average" condition or better,
or property requires cosmetic improvements (as defined by the appraiser) that do not affect habitability

&nbsp;&nbsp;&nbsp;&nbsp;2. Review appraisal, determination that property is completely constructed and appraisal is on an "as
is basis," or property is identified as not completely constructed by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;3. Review and determine if the appraisal report was performed on appropriate GSE forms and if the appraiser
indicated in the body of the subject appraisal that the appraisal conforms to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;4. Review and determine the relevance of the comparable properties and ensure that a rational and reliable
value was provided and supported as of the effective date of the Origination Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;5. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;6. Ensure that the appraisal conforms to the guidelines provided from the Client

&nbsp;&nbsp;&nbsp;&nbsp;7. Review appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;8. Review location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;9. Ensure highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;10. Confirm there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;11. Ensure subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;12. Where applicable, determine if the file did not contain the appraisal or other valuation method and a
review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;13. Additional valuation products were not required when the CU score provided was 2.5 or below or the appraisal
LCA risk score was eligible for Collateral Rep and Warranty relief. In the event the CU score was greater than 2.5 or the LCA score was
not eligible for R&W relief, an additional valuation product was obtained to confirm value was supported within 10% tolerance. In
some instances, based on guidance from the seller, CDA's were ordered on loans that had an acceptable CU score or R&W eligibility.

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

For loans reviewed in a post-close valuation review scenario (8 loans in total):

Two (2) loans had a Secondary Appraisal, zero (0) loans had AVMs, and seven (7) loans had a Desktop Review.

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

Zero (0) loans had a Field Review or BPO, two (2) loans had a Second Desk Review, and zero (0) loans had a Full Appraisal Review.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Not applicable.

**Attachment B<br> Item 5: Summary of findings and conclusions of review**

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

**Final Loan Grades**

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| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 8 | $10204029.00 | 100.00% |
| Event Grade B | 0 | $0.00 | 0.00% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 8 | $10204029.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 8 | 100.00% |
| Event Grade B | 0 | 0.00% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 8 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 8 | 100.00% |
| Event Grade B | 0 | 0.00% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 8 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 8 | 100.00% |
| Event Grade B | 0 | 0.00% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 8 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception<br> Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***8*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Reimbursement Amount Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***9*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***1*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 8 mortgage loans reviewed, eight (8) unique mortgage loans (100.00% by loan count) had a total of eighteen (18) tape discrepancies across six (6) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;7 | &nbsp;&nbsp;38.89% |
| &nbsp;&nbsp;Closing Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;22.22% |
| &nbsp;&nbsp;Liquid Cash Reserves | &nbsp;&nbsp;4 | &nbsp;&nbsp;22.22% |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;Most Recent FICO Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 138650 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Closed | 3/14/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 138650 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Closed | 3/14/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 138566 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Closed | 1/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 138566 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Closed | 1/20/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 138592 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Closed | 2/8/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 138592 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Closed | 2/8/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 138477 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Closed | 2/9/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 138477 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Closed | 2/9/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 138468 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Closed | 2/9/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 138468 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Closed | 2/9/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 138637 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Closed | 03/28/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 138637 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Closed | 03/28/2022 | Cleared | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test.XXX (XXX §XXX(a) (XXX) , transferred from XXX §XXX(a) (XXX)) , XXX (XXX §XXX(a) (XXX) , transferred from XXX §XXX(a) (XXX)) The funding date is before the XXX business day following consummation. The consumer may exercise the right to rescind until XXX of the XXX business day following consummation, delivery of the notice required by XXX §XXX or §XXX, or delivery of all material disclosures, whichever occurs last.; Post CD disbursement date XX/XX/XXXX right to cancel expires XX/XX/XXXX. Borrower did not receive full XXX day rescission period. | Client provided PCCD. | 04/06/2022 | This loan passed the TILA right of rescission test.XXX (XXX §XXX(a) (XXX) , transferred from XXX §XXX(a) (XXX)) , XXX (XXX §XXX(a) (XXX) , transferred from XXX §XXX(a) (XXX)) The funding date is not before the XXX business day following consummation. The consumer may exercise the right to rescind until XXX of the XXX business day following consummation, delivery of the notice required by XXX §XXX, or delivery of all material disclosures, whichever occurs last. | 04/06/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 138637 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Closed | 03/28/2022 | Cleared | Compliance | Reimbursement Amount Test | This loan XXX the reimbursement amount test. (XXX CFR §XXX(f) (XXX) (v)) Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the XXX analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e) (XXX) (i) or (ii) , the creditor complies with §XXX(e) (XXX) (i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f) (XXX) (i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; This loan failed the reimbursement amount test. (XXX CFR §XXX(f) (XXX) (v)) Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the XXX analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e) (XXX) (i) or (ii) , the creditor complies with §XXX(e) (XXX) (i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f) (XXX) (i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; This loan passed the reimbursement amount test. (XXX CFR §XXX(f) (XXX) (v)) Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e) (XXX) (i) or (ii) , the creditor complies with §XXX(e) (XXX) (i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f) (XXX) (i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | Client provided PCCD. |  | This loan passed the reimbursement amount test. (XXX CFR §XXX(f) (XXX) (v)) Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the XXX analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e) (XXX) (i) or (ii) , the creditor complies with §XXX(e) (XXX) (i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f) (XXX) (i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; This loan failed the reimbursement amount test. (XXX CFR §XXX(f) (XXX) (v)) Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the XXX analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e) (XXX) (i) or (ii) , the creditor complies with §XXX(e) (XXX) (i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f) (XXX) (i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 04/06/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 138620 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Closed | 04/12/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 138620 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Closed | 04/12/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 135516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/18/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 135516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/20/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 135516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/20/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Balance** |
| 138650 |  | XXXXX | $XXXXXX A |
| 138566 |  | XXXXX | $XXXXXX A |
| 138592 |  | XXXXX | $XXXXXX A |
| 138477 |  | XXXXX | $XXXXXX A |
| 138468 |  | XXXXX | $XXXXXX A |
| 138637 |  | XXXXX | $XXXXXX A C |
| 138620 |  | XXXXX | $XXXXXX A |
| 135516 |  | XXXXX | $XXXXXX A |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** | **AUS Information** |
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **AVM Provider** | **Report Date** | **Value** | **Variance Amount** | **Confidence Score** | **FSD Score** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **CU Score** | **R&W Eligible** |
| 6000031032 |  | XXXXX | $XXXXXX | $XXX | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2800001983 |  | XXXXX | $XXXXXX | $XXX | $XXX | 68.99% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Not Eligible |
| 6000027056 |  | XXXXX | $XXXXXX | $XXX | $XXX | 34.07% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% | XX/XX/XXXX | $XXX | $XXX | 21.21% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 6000028306 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 1990001575 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 1250006319 |  | XXXXX | $XXXXXX | $XXX | $XXX | 68.68% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% | XX/XX/XXXX | $XXX | $XXX | 11.02% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Not Eligible |
| 6000029774 |  | XXXXX | $XXXXXX | $XXX | $XXX | 34.29% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | Not Eligible |
| 2308095817 |  | XXXXX | $XXXXXX | $XXX | $XXX | 59.94% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Account Number** | **Field ID** | **Original Field Value** | **Audit Value** | **Match** |
| 138592 | Most_Recent_FICO_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 138620 | Months_Reserves | XXX | XXX | FALSE |
| 138592 | Months_Reserves | XXX | XXX | FALSE |
| 138477 | Months_Reserves | XXX | XXX | FALSE |
| 138468 | Months_Reserves | XXX | XXX | FALSE |
| 138566 | Months_Reserves | XXX | XXX | FALSE |
| 138650 | Months_Reserves | XXX | XXX | FALSE |
| 138637 | Months_Reserves | XXX | XXX | FALSE |
| 138592 | Liquid_Cash_Reserves | XXX | XXX | FALSE |
| 138477 | Liquid_Cash_Reserves | XXX | XXX | FALSE |
| 138468 | Liquid_Cash_Reserves | XXX | XXX | FALSE |
| 138637 | Liquid_Cash_Reserves | XXX | XXX | FALSE |
| 138477 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 138566 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 138637 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 138650 | All_Borrower_Total_Income | $XXX | $XXX | FALSE |
| 135516 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 135516 | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |

---

## Exhibit 99.2

**Exhibit 99.2**

![](ex99-2_001.jpg)

**NARRATIVE**

**PRPM 2025-RCF4**

**By Canopy Financial Technology Partners LLC on July 28, 2025**

Canopy Financial Technology Partners LLC

<u>cwheeler@canopytpr.com</u> \| 801-792-2995 \| <u>www.canopytpr.com</u>

Address: 1 Research Court, Suite 450, Rockville, MD 20850

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

![](ex99-2_001.jpg)

 **Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by PRPM 2025-RCF4, LLC (the "Client") or its affiliated company. The Review was conducted from November 2021 to August 2022 via files imaged and provided by the Client for review.

The Review consisted of a population of sixteen (16) Loans with an aggregate principal balance of $17,916,569.

**Loan Sampling**

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

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

**Data Integrity**

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

---

| | |
|:---|:---|
| **Field Label** | **Logic Applied** |
| All Borrower Total Income | Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply<br> Tolerance if DTI >= 43 and AUS = No |
| Amortized Term | No tolerance |
| Application Date | No tolerance |
| Borrower 1 Citizen | No tolerance |
| Borrower 1 Self Employed Flag | No tolerance |
| Borrower 2 Citizen | No tolerance |
| Borrower 2 Self-Employment Flag | No tolerance |
| Business Purpose Flag | No tolerance |
| Cash Disbursement Date | No tolerance |
| Combined LTV | Apply 1% Tolerance if < 80% |
| DSCR | .25% tolerance |
| Escrow Flag | No tolerance |
| Final Reviewed QM Status | No tolerance |
| First Interest Rate Change Date | No tolerance |
| First Payment Date | No tolerance |
| Higher Priced Mortgage Loan (HPML) Flag | No tolerance |

---

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

![](ex99-2_001.jpg)

---

| | |
|:---|:---|
| Index | No tolerance |
| Initial Monthly P&I Or IO Payment | No tolerance |
| Lien Position | No tolerance |
| Loan Program | No tolerance |
| Loan Purpose | No tolerance |
| Margin (ARM Loan) | No tolerance |
| Mortgage Origination Channel | No tolerance |
| Note Interest Only Term | No tolerance |
| Note Date | No tolerance |
| Occupancy Type | No tolerance |
| Original Appraised Value | No tolerance |
| Original Balance | No tolerance |
| Original LTV | Apply 1% Tolerance if < 80% |
| Origination BK Flag | No tolerance |
| Originator QM Status | No tolerance |
| Origination Date | No tolerance |
| Origination Foreclosure Flag | No tolerance |
| Prepayment Penalty Term | No tolerance |
| Property Type | No tolerance |
| Property Zip Code | No tolerance |
| Qualifying FICO | No tolerance |
| Qualifying Total Debt Income Ratio | Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if<br> AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| Sales Price | No tolerance |
| Underwriting Guideline Product Name | No tolerance |

---

**Credit Underwriting**

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

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

· Assets and Reserves;

· DTI (when applicable);

· DSCR (when applicable);

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

![](ex99-2_001.jpg)

· Gross Income (when applicable);

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

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

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

· Borrower(s) employment history ;

· Citizenship and eligibility;

· First time home buyer status ;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

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

· Bankruptcy and foreclosure seasoning;

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

· Installment and revolving payment history;

· Mortgage/rental payment history;

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

· Number of tradelines; and

· Representative Credit Score and Methodology.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Verbal or Written VOE's;

&nbsp;&nbsp;&nbsp;&nbsp;· Paystubs;

&nbsp;&nbsp;&nbsp;&nbsp;· W-2 forms;

&nbsp;&nbsp;&nbsp;&nbsp;· Tax returns;

&nbsp;&nbsp;&nbsp;&nbsp;· Financial statements;

&nbsp;&nbsp;&nbsp;&nbsp;· Award letters;

&nbsp;&nbsp;&nbsp;&nbsp;· IRS Tax Transcripts (compared to Tax Returns provided by Borrower(s)).

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

![](ex99-2_001.jpg)

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

· Borrower identity:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower name variations

· Employment:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Subject property ownership history

· OFAC:

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

· Depository account statements;

· Gift funds;

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

· Stock or security account statements; and/or

· VOD's.

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

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

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

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

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

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

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

![](ex99-2_001.jpg)

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

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

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

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

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

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation (when applicable)**

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

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

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

![](ex99-2_001.jpg)

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

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

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

**Compliance Review**

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

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

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

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

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

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

![](ex99-2_001.jpg)

I. Compliance Documentation Requirements

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

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

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

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

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

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

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

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

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

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

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

II. Anti-Predatory Lending (Assignee Liability)

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

III. Compliance Testing Elements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**i.** **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and
comparison of LEs and CDs with a report outlining any TILA violations, including a re-calculation of disclosed finance charge, principal
and interest calculations, proper completion of the Projected Payments table, total of payments, finance charge, amount financed, recalculation
of disclosed APR and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within
the required timeframes. Testing will be conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review
Scope ("TRID Grid 4.0");

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

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

![](ex99-2_001.jpg)

**Qualified Mortgage and Ability to Repay**. A review to ensure the mortgage loan meets the applicable Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43. QM and ATR testing is detailed below.

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

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

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

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

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

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

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

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· New York Subprime Home Loans, NY Bank. Law § 6-m.

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

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· Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. §
1.63. · Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin.
Rules § 109 4-3-01 et seq.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)**

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

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

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

**Ability to Repay (ATR)**

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

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

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

**Valuation Review**

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

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

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

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**Independent Third-Party Values**

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:**

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

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

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

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

---

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

---

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

---

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

---

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**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 87.50% (14 loans) have an overall grade of "A" and 12.50% (2 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 93.75% or fifteen (15) mortgage loans reviewed, and 6.25% (1 loan) has a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 93.75% or fifteen (15) mortgage loans reviewed, and 6.25% (1 loan) has a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00% or sixteen (16) mortgage loans reviewed, and 0.00% (0 loans) have a Property/Valuation grade of "B".

**FINDINGS TABLE**

&nbsp;&nbsp;**REVIEW TABLES**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;14 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;12.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;15 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.00%** |

---

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;15 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;15 | &nbsp;&nbsp;93.75% | &nbsp;&nbsp;$14768069.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;$3148500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17916569.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$17916569.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17916569.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp; Cash Out: Debt Consolidation— Proceeds used to pay off existing loans<br> other than loans secured by real estate | &nbsp;&nbsp; <br>0 | &nbsp;&nbsp; <br>0.00% | &nbsp;&nbsp; <br>$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi- Purpose/Unknown Purpose | &nbsp;&nbsp;9 | &nbsp;&nbsp;56.25% | &nbsp;&nbsp;$7060000.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |

---

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; Other Than First Time Home<br> Purchase | &nbsp;&nbsp;5 | &nbsp;&nbsp;31.25% | &nbsp;&nbsp;$9651569.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;2 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;$1205000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17916569.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;15 | &nbsp;&nbsp;93.75% | &nbsp;&nbsp;$17356569.00 |
| &nbsp;&nbsp;361 - 420 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;$560000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17916569.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;6 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;$9316569.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;$4000000.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;9 | &nbsp;&nbsp;56.25% | &nbsp;&nbsp;$4600000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17916569.00** |

---

**DATA COMPARISON RESULTS**

Of the sixteen (16) mortgage Loan Files reviewed, three (3) unique loans (18.75% by number) had three (3) tape comparison discrepancies across three (3) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | **%**<br> **Variance** |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance | 1 | 16 | 6.25% |
| &nbsp;&nbsp; Primary Appraised<br> Property Value | &nbsp;&nbsp;No tolerance | 1 | 16 | 6.25% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | 1 | 16 | 6.25% |

---

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

![](ex99-2_001.jpg)

**Disclaimer**

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

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

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

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

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

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

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 233061 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | true | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed | Not Employed | No | No | No |  |
| 222522 | xxx |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | N | Yes | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 222334 | xxx |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 228917 | xxx |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 240144 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | true | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| 231282 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | true | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| 226223 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | N | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| 243622 | xxx |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 239446 | xxx |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 241161 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | N | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| 240827 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | N | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| 225164 | xxx |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 230809 | xxx |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed | Employed | No | No | Yes | Present |
| 242961 | xxx |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 244152 | xxx |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 243538 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | N | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Not Employed | No | No | No |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 233061 |  |  | xxx | LTV | 65.92 | 69.505 |  |
| 222334 |  |  | xxx | Note Date | xxx | xxx |  |
| 244152 |  |  | xxx | Primary Appraised Property Value | xxx | xxx |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 233061 |  | xxx C B A | Closed | FCRE1193 | 2021-11-03 21:49 | 2022-02-24 17:23 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Document Uploaded. Client provided guideline exception allowing the use of the newer xxx guidelines which now allows interest only loans to qualify at the original interest only payment vs the older guidelines which required qualification at the fully amortized payment once the loan becomes fully amortizing. DTI now at 37.45 and under DTI threshold for approval. - Due Diligence Vendor-02/24/2022 <br> Open-Audited DTI of 60.92% exceeds Guideline DTI of 50%. Interest Only loan was qualified with PI of $xxx based on a 360 month amortized payment. Because the loan is Interest Only for 120 months, the loan should have qualified with a PI payment based on the remaining amortized term of 240 months which would be a PI payment of $xxx. - Due Diligence Vendor-01/07/2022 |  | Acknowledged-Document Uploaded. Client provided guideline exception allowing the use of the newer xxx guidelines which now allows interest only loans to qualify at the original interest only payment vs the older guidelines which required qualification at the fully amortized payment once the loan becomes fully amortizing. DTI now at 37.45 and under DTI threshold for approval. - Due Diligence Vendor-02/24/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.51% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.51% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 222522 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 222334 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 228917 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 240144 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 231282 |  | xxx C A | Closed | FCRE1159 | 2022-03-09 18:06 | 2022-03-10 09:40 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Confirmed final Disbursement occurred xxx, thus no true gap in coverage with Policy Effective Date of xxx. - Due Diligence Vendor-03/10/2022 <br> Ready for Review-Document Uploaded. - Seller-03/09/2022 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-03/04/2022 | Ready for Review-Document Uploaded. - Seller-03/09/2022<br>| Resolved-Confirmed final Disbursement occurred xxx, thus no true gap in coverage with Policy Effective Date of xxx. - Due Diligence Vendor-03/10/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.35% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.33% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.35% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 231282 |  | xxx C A | Closed | FCRE1169 | 2022-03-09 18:07 | 2022-03-10 09:40 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-Confirmed final Disbursement occurred xxx, thus no true gap in coverage with Policy Effective Date of xxx. - Due Diligence Vendor-03/10/2022 <br> Ready for Review-Document Uploaded. - Seller-03/09/2022 <br> Open-Flood Insurance Effective Date of xxx is after the Note Date of xxx - Due Diligence Vendor-03/04/2022 | Ready for Review-Document Uploaded. - Seller-03/09/2022<br>| Resolved-Confirmed final Disbursement occurred xxx, thus no true gap in coverage with Policy Effective Date of xxx. - Due Diligence Vendor-03/10/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.35% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.33% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.35% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 231282 |  | xxx C A | Closed | finding-3536 | 2022-03-09 16:32 | 2022-03-10 07:40 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-\*\*\*Received COC and Revised LE. - Due Diligence Vendor-03/10/2022 <br> Ready for Review-Document Uploaded. - Seller-03/09/2022 <br> Open-This loan failed the initial closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i))The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). Missing copy of revised LE dated xxx to confirm lock and adjusted discount points. - Due Diligence Vendor-03/09/2022 | Ready for Review-Document Uploaded. - Seller-03/09/2022<br>| Resolved-\*\*\*Received COC and Revised LE. - Due Diligence Vendor-03/10/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.35% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.33% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.35% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 231282 |  | xxx C A | Closed | finding-3529 | 2022-03-09 16:34 | 2022-03-10 07:39 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | Resolved-\*\*\*Received COC and Revised LE. - Due Diligence Vendor-03/10/2022 <br> Ready for Review-Document Uploaded. - Seller-03/09/2022 <br> Open-\*\*\*COC found in file (pg xxx) for a revised LE dated xxx - MISSING REVISED LE xxx - Due Diligence Vendor-03/07/2022 | Ready for Review-Document Uploaded. - Seller-03/09/2022<br>| Resolved-\*\*\*Received COC and Revised LE. - Due Diligence Vendor-03/10/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.35% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.33% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.35% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 231282 |  | xxx C A | Closed | finding-3631 | 2022-03-09 16:33 | 2022-03-10 07:13 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- \*\*\*Received COC and Revised LE. - Due Diligence Vendor-03/10/2022 <br> Ready for Review-Document Uploaded. - Seller-03/09/2022 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Missing copy of revised LE dated xxx to confirm lock and adjusted discount points. - Due Diligence Vendor-03/09/2022 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/07/2022 | Ready for Review-Document Uploaded. - Seller-03/09/2022<br>| Resolved- \*\*\*Received COC and Revised LE. - Due Diligence Vendor-03/10/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.35% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.33% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.35% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 231282 |  | xxx C A | Closed | finding-3632 | 2022-03-09 16:31 | 2022-03-10 07:13 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved- \*\*\*Received COC and Revised LE. - Due Diligence Vendor-03/10/2022 <br> Ready for Review-Document Uploaded. - Seller-03/09/2022 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Missing copy of revised LE dated xxx to confirm lock and adjusted discount points. - Due Diligence Vendor-03/09/2022 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/07/2022 | Ready for Review-Document Uploaded. - Seller-03/09/2022<br>| Resolved- \*\*\*Received COC and Revised LE. - Due Diligence Vendor-03/10/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.35% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.33% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.35% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 231282 |  | xxx C A | Closed | finding-3634 | 2022-03-09 16:33 | 2022-03-10 07:13 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved- \*\*\*Received COC and Revised LE. - Due Diligence Vendor-03/10/2022 <br> Ready for Review-Document Uploaded. - Seller-03/09/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Missing copy of revised LE dated xxx to confirm lock and adjusted discount points. - Due Diligence Vendor-03/09/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/07/2022 | Ready for Review-Document Uploaded. - Seller-03/09/2022<br>| Resolved- \*\*\*Received COC and Revised LE. - Due Diligence Vendor-03/10/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.35% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.33% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.35% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 226223 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 243622 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 239446 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 241161 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 240827 |  | xxx C A | Closed | finding-47 | 2022-04-07 11:17 | 2022-04-08 10:20 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- Received PCCD - Due Diligence Vendor-04/08/2022 <br> Ready for Review-Document Uploaded. - Seller-04/07/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\* Loan closed on xxx. It appears that as of the final CD the disbursement date is xxx and does not adhere to the 3 day cooling period. Please provide proof of updated disbursement date - Due Diligence Vendor-04/06/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-04/06/2022 | Ready for Review-Document Uploaded. - Seller-04/07/2022<br>| Resolved- Received PCCD - Due Diligence Vendor-04/08/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 240827 |  | xxx C A | Closed | FCOM4227 | 2022-04-07 11:32 | 2022-04-08 09:58 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Received Initial LE and Initial CD - Due Diligence Vendor-04/08/2022 <br> Ready for Review-Document Uploaded. - Seller-04/07/2022 <br> Counter-Received Initial CD. The Disclosure Tracking Summary on page xxx of the file indicates the LE issued xxx is a revised LE and the initial LE was issued xxx. We are missing the initial LE issued xxx, please provide. - Due Diligence Vendor-04/07/2022 <br> Ready for Review-Document Uploaded. - Seller-04/06/2022 <br> Open-\*\*\*\*Initial Closing Disclosure is missing. Needed for accurate compliance review - Due Diligence Vendor-04/06/2022 | Ready for Review-Document Uploaded. - Seller-04/07/2022 <br>Ready for Review-Document Uploaded. - Seller-04/06/2022<br>| Resolved-Received Initial LE and Initial CD - Due Diligence Vendor-04/08/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 240827 |  | xxx C A | Closed | finding-3652 | 2022-04-06 17:09 | 2022-04-07 09:27 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved- Received COC - Due Diligence Vendor-04/07/2022 <br> Ready for Review-Document Uploaded. - Seller-04/06/2022 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/05/2022 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*Loan Discount points decreased (xxx). COC not noted in file - Due Diligence Vendor-04/06/2022 | Ready for Review-Document Uploaded. - Seller-04/06/2022<br>| Resolved- Received COC - Due Diligence Vendor-04/07/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 240827 |  | xxx C A | Closed | finding-3532 | 2022-04-06 17:08 | 2022-04-07 09:27 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved- Received Initial CD - Due Diligence Vendor-04/07/2022 <br>Ready for Review-Document Uploaded. - Seller-04/06/2022 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*\*\*Initial Closing Disclosure is missing. Needed for accurate compliance review - Due Diligence Vendor-04/06/2022 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-04/06/2022 | Ready for Review-Document Uploaded. - Seller-04/06/2022<br>| Resolved- Received Initial CD - Due Diligence Vendor-04/07/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 225164 |  | xxx C A | Closed | FCRE1167 | 2022-06-03 14:12 | 2022-06-06 09:00 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Updated policy provided reflects sufficient Hazard Insurance Coverage is now in evidence. - Due Diligence Vendor-06/06/2022 <br> Ready for Review-Document Uploaded. - Seller-06/03/2022 <br> Counter-No additional information provided- RCE was reviewed previously and reflects an amount to rebuild as $xxx, however coverage is only $xxx per declarations page in file. Please provide proof of sufficient increase or endorsement verifying additional available amount to meet loan amount or estimated cost to reconstruct. - Due Diligence Vendor-05/13/2022 <br> Ready for Review-Document Uploaded. - Seller-05/12/2022 <br> Counter-Insurance coverage as verified in the amount of $xxx is insufficient to meet loan amount of $xxx and insurer's anticipated cost to rebuild of $xxx. Please provide evidence that $xxx coverage is sufficient or document increase in policy amount. - Due Diligence Vendor-05/11/2022 <br> Ready for Review-Document Uploaded. - Seller-05/10/2022 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx Updated xxx Policy from exp. xxx (pg xxx), provides only $xxx in coverage for the structure however the Loan amount is$xxx. - Due Diligence Vendor-04/11/2022 | Ready for Review-Document Uploaded. - Seller-06/03/2022 <br>Ready for Review-Document Uploaded. - Seller-05/12/2022 <br>Ready for Review-Document Uploaded. - Seller-05/10/2022<br>| Resolved-Updated policy provided reflects sufficient Hazard Insurance Coverage is now in evidence. - Due Diligence Vendor-06/06/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 230809 |  | xxx B A | Closed | FCOM1621 | 2022-04-15 15:24 | 2022-04-18 15:05 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-\*\*\*Received Initial Escrow Account Disclosure - Due Diligence Vendor-04/18/2022 <br>Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-04/18/2022 <br>Ready for Review-Document Uploaded. - Seller-04/15/2022 <br>Open-Initial Escrow Account Disclosure is Missing- lender to provide - Due Diligence Vendor-04/13/2022 | Ready for Review-Document Uploaded. - Seller-04/15/2022<br>| Resolved-\*\*\*Received Initial Escrow Account Disclosure - Due Diligence Vendor-04/18/2022 <br>Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-04/18/2022<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.99% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.99% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 242961 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 244152 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 243538 |  | xxx B A | Closed | FCOM1270 | 2022-08-10 16:05 | 2022-08-10 17:17 | Acknowledged | 2 - Non-Material B | Compliance | Disclosures (Federal, State, and Data Dependent) | ARM Disclosure Not Provided Within 3 Days of Application Date | Acknowledged-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-08/10/2022 |  | Acknowledged-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-08/10/2022<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxx |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 233061 |  | xxx | xxx C A B |
| 222522 |  | xxx | xxx A |
| 222334 |  | xxx | xxx A |
| 228917 |  | xxx | xxx A |
| 240144 |  | xxx | xxx A |
| 231282 |  | xxx | xxx C A |
| 226223 |  | xxx | xxx A |
| 243622 |  | xxx | xxx A |
| 239446 |  | xxx | xxx A |
| 241161 |  | xxx | xxx A |
| 240827 |  | xxx | xxx A C |
| 225164 |  | xxx | xxx C A |
| 230809 |  | xxx | xxx A B |
| 242961 |  | xxx | xxx A |
| 244152 |  | xxx | xxx A |
| 243538 |  | xxx | xxx A B |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 233061 |  | xxx | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 69.51 | 69.51 | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 222522 |  | xxx | xxx | xxx |  |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 71.72 | 71.72 | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 222334 |  | xxx | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 24.12 | 24.12 | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 228917 |  | xxx | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 240144 |  | xxx | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 60 | 60 | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  | xxx | xxx | .4025 | xxx | 1004 URAR |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 231282 |  | xxx | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 57.35 | 57.35 | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  | xxx | 0 | .0000 | xxx | 1004 URAR |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 226223 |  | xxx | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 66.67 | 66.67 | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 243622 |  | xxx | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 69.78 | 69.78 | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 239446 |  | xxx | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 241161 |  | xxx | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 59.78 | 59.78 | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 240827 |  | xxx | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 66 | 66 | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225164 |  | xxx | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 230809 |  | xxx | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 69.99 | 69.99 | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 242961 |  | xxx | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 244152 |  | xxx | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 52.77 | 52.77 | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 243538 |  | xxx | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 |  | Enhanced Desk Review |  |  |  |  | xxx | xxx | .0119 | xxx | 1004 URAR |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_002.jpg)

![](ex99-3_001.jpg)

**EXECUTIVE SUMMARY**

**PRPM 2025-RCF4**

**July 8, 2025**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

0 \| P a g e<br>

![](ex99-3_002.jpg)

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| Infinity Biography | 2 |
| Description of the due diligence performed | 3 |
| Summary of findings and conclusions of review | 13 |
| Tape Integrity Review Results Summary | 14 |
| Additional Loan Population Summary | 18 |
| Pay History Review | 19 |
| Methods for Accounting for Delinquencies | 24 |
| Collection Comments Review | 25 |
| Foreclosure | 26 |
| Bankruptcy | 26 |
| Tax and Title | 27 |
| Compliance Review | 28 |

---

 ****

1 \| P a g e<br>

 ****

**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

2 \| P a g e<br>

![](ex99-3_002.jpg)

 ****

**DESCRIPTION OF THE DUE DILIGENCE PERFORMED**

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

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by BM-SC, LLC ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The population reviewed is comprised of five hundred and seventy-seven (577) mortgage loans that were originally reviewed from May 2017 to June 2025.

**(2) Size of the assets reviewed.**

The mortgage loan review was broken down into the following review scopes:

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Compliance Review" 576 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Data Integrity" 577 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Servicing Review" 577 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Title Review" 576 Mortgage Loans

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

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

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

For five hundred and seventy-seven (577) mortgage loans, Infinity compared data fields on the bid tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Fag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Look back Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

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

Not Applicable

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

Not Applicable

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**(7) Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for nine (9) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

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

Infinity completed a Compliance Review on five hundred and seventy-six (576) mortgage loans. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

<u>Qualified Mortgage</u>

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

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

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

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

 

<u>General Ability to Repay</u>

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

Five hundred and seventy-six (576) loans received a Compliance-Only review. This review included a review of the loan file and analysis of the corresponding Seller tape and defect to determine whether the Creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This review also includes, where applicable, a review of third-party records available in the loan file including but not limited to bank statements, tax returns, financial statements, W2s, VOEs, lease agreements, business licenses and appraisals.

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

▪ Underwriting summary / loan
 approval (1008);

▪ Credit report;

▪ Income and employment documentation;

▪ 4506T;

▪ Asset documentation;

▪ Sales contract;

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

▪ Copy of note for any junior
 liens;

▪ Appraisal;

▪ Title/Preliminary Title;

▪ Final 1003;

▪ Changed circumstance documentation;

▪ Right of Rescission Disclosure;

▪ Mortgage/Deed of Trust;

▪ Note;

▪ Mortgage Insurance;

▪ Tangible Net Benefit Disclosure;

▪ Subordination Agreement;

▪ FACTA disclosures;

▪ Notice of Special Flood Hazards;

▪ Initial and final GFE's;

▪ HUD from sale of previous residence;

▪ Final HUD-1;

▪ Initial TIL;

▪ Final TIL;

▪ Loan Estimates;

▪ Closing Disclosures; and

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E, Fitch Ratings, Inc. ("Fitch") and DBRS, Inc. ("DBRS").

**OVERALL RESULTS SUMMARY (576 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements only covers five hundred and seventy-six (576) mortgage loans. Within those mortgage loans, Infinity graded fifty (50) mortgage loans as "A", two hundred and seventy-two (272) mortgage loans as "B", seven (7) mortgage loans as "C" and two hundred and forty-seven (247) mortgage loans as "D".

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;50 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;50 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;272 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;7 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;247 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;247 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;8.68% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;8.68% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;47.22% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;47.22% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1.22% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;1.22% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;42.88% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;42.88% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;50 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;50 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;272 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;7 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;247 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;247 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;8.68% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;8.68% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;47.22% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;47.22% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1.22% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;1.22% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;42.88% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;42.88% |

---

13 \| P a g e<br>

![](ex99-3_002.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan File Review Overall Results** | &nbsp;&nbsp;**Loan File Review Overall Results** | &nbsp;&nbsp;**Loan File Review Overall Results** | &nbsp;&nbsp;**Loan File Review Overall Results** |
| &nbsp;&nbsp;**Event Level** | &nbsp;&nbsp;**Loan Counts** | &nbsp;&nbsp;**% of Total Sample** | &nbsp;&nbsp;**Original Loan Amount** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;50 | &nbsp;&nbsp;8.68% | &nbsp;&nbsp;$10225711.00 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;272 | &nbsp;&nbsp;47.22% | &nbsp;&nbsp;$77549770.64 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.22% | &nbsp;&nbsp;$2565747.00 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;247 | &nbsp;&nbsp;42.88% | &nbsp;&nbsp;$78027048.82 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**576** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$168368277.46** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (577 MORTGAGE LOANS)**

Of the five hundred and seventy-seven (577) mortgage loans reviewed, 561 (97.23%) mortgage loans had tape discrepancies across one hundred and forty-eight (148) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Accrued Interest per Payment History | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Age of Loan | &nbsp;&nbsp;134 | &nbsp;&nbsp;577 | &nbsp;&nbsp;23.22% |
| &nbsp;&nbsp;Amortization Term Months (CE, S&P) | &nbsp;&nbsp;13 | &nbsp;&nbsp;577 | &nbsp;&nbsp;2.25% |
| &nbsp;&nbsp;Amortized Term (Calculated) | &nbsp;&nbsp;2 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Application Date (Baseline script version) | &nbsp;&nbsp;5 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;ARM Index Margin Percent | &nbsp;&nbsp;3 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.52% |
| &nbsp;&nbsp;ARM Index Type | &nbsp;&nbsp;9 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.56% |
| &nbsp;&nbsp;ARM Lifetime Cap Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;ARM Lifetime Floor Percent | &nbsp;&nbsp;3 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.52% |
| &nbsp;&nbsp;B1 Self-Employed? | &nbsp;&nbsp;5 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Balloon Indicator | &nbsp;&nbsp;6 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;Bankruptcy (Post-Loan Origination)? | &nbsp;&nbsp;28 | &nbsp;&nbsp;577 | &nbsp;&nbsp;4.85% |
| &nbsp;&nbsp;Bankruptcy Filing Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.21% |
| &nbsp;&nbsp;Borrower #1 Middle Name | &nbsp;&nbsp;23 | &nbsp;&nbsp;577 | &nbsp;&nbsp;3.99% |
| &nbsp;&nbsp;Borrower #2 First Name | &nbsp;&nbsp;9 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.56% |
| &nbsp;&nbsp;Borrower #2 Last Name | &nbsp;&nbsp;9 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.56% |
| &nbsp;&nbsp;Borrower #2 Middle Name | &nbsp;&nbsp;10 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.73% |
| &nbsp;&nbsp;Borrower DTI Ratio Percent | &nbsp;&nbsp;168 | &nbsp;&nbsp;577 | &nbsp;&nbsp;29.12% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;26 | &nbsp;&nbsp;577 | &nbsp;&nbsp;4.51% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;39 | &nbsp;&nbsp;577 | &nbsp;&nbsp;6.76% |
| &nbsp;&nbsp;Cash To Borrower (HUD-1 Line 303) | &nbsp;&nbsp;6 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;Corporate Advances: Recoverable per Payment History | &nbsp;&nbsp;6 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;Current Bankruptcy Case Number | &nbsp;&nbsp;6 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;Current Bankruptcy Chapter | &nbsp;&nbsp;2 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Current Bankruptcy Post Petition Due Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |

---

14 \| P a g e<br>

![](ex99-3_002.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Current Bankruptcy Proof of Claim (POC) Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Current Bankruptcy Status | &nbsp;&nbsp;8 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.39% |
| &nbsp;&nbsp;Current Foreclosure Doc Locator | &nbsp;&nbsp;14 | &nbsp;&nbsp;577 | &nbsp;&nbsp;2.43% |
| &nbsp;&nbsp;Current Foreclosure Status | &nbsp;&nbsp;10 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.73% |
| &nbsp;&nbsp;Current Legal Status | &nbsp;&nbsp;10 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.73% |
| &nbsp;&nbsp;Current Occupancy | &nbsp;&nbsp;14 | &nbsp;&nbsp;577 | &nbsp;&nbsp;2.43% |
| &nbsp;&nbsp;Current Servicer (Enumerated) | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Current Value | &nbsp;&nbsp;220 | &nbsp;&nbsp;577 | &nbsp;&nbsp;38.13% |
| &nbsp;&nbsp;Currently in Foreclosure? | &nbsp;&nbsp;29 | &nbsp;&nbsp;577 | &nbsp;&nbsp;5.03% |
| &nbsp;&nbsp;Date Application Received by Creditor | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Debt Service Coverage Ratio (DSCR) | &nbsp;&nbsp;2 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Deferred Balance Amount | &nbsp;&nbsp;26 | &nbsp;&nbsp;577 | &nbsp;&nbsp;4.51% |
| &nbsp;&nbsp;Deferred Principal (Modification) per Payment History | &nbsp;&nbsp;5 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Did a Modification Change Note Terms? | &nbsp;&nbsp;24 | &nbsp;&nbsp;577 | &nbsp;&nbsp;4.16% |
| &nbsp;&nbsp;Doc Date of Last Modification | &nbsp;&nbsp;66 | &nbsp;&nbsp;577 | &nbsp;&nbsp;11.44% |
| &nbsp;&nbsp;Does Lender G/L Require MI? | &nbsp;&nbsp;114 | &nbsp;&nbsp;577 | &nbsp;&nbsp;19.76% |
| &nbsp;&nbsp;Escrow Account Indicator | &nbsp;&nbsp;4 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.69% |
| &nbsp;&nbsp;Escrow Advance Balance per Payment History | &nbsp;&nbsp;10 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.73% |
| &nbsp;&nbsp;Escrow Balance per Payment History | &nbsp;&nbsp;15 | &nbsp;&nbsp;577 | &nbsp;&nbsp;2.60% |
| &nbsp;&nbsp;First Pay Change Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.69% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;13 | &nbsp;&nbsp;577 | &nbsp;&nbsp;2.25% |
| &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Foreclosure Delay/Obstruction Start Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Foreclosure Judgment Entered Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.52% |
| &nbsp;&nbsp;Housing Ratio per U/W (Initial Rate) | &nbsp;&nbsp;94 | &nbsp;&nbsp;577 | &nbsp;&nbsp;16.29% |
| &nbsp;&nbsp;Interest Only Period? | &nbsp;&nbsp;15 | &nbsp;&nbsp;577 | &nbsp;&nbsp;2.60% |
| &nbsp;&nbsp;Interest Only Term Months Count | &nbsp;&nbsp;2 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Interest Paid Through Date | &nbsp;&nbsp;33 | &nbsp;&nbsp;577 | &nbsp;&nbsp;5.72% |
| &nbsp;&nbsp;Is REO Active? | &nbsp;&nbsp;23 | &nbsp;&nbsp;577 | &nbsp;&nbsp;3.99% |
| &nbsp;&nbsp;Last Payment Received Date | &nbsp;&nbsp;24 | &nbsp;&nbsp;577 | &nbsp;&nbsp;4.16% |
| &nbsp;&nbsp;Lender Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Lien Priority Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Lifetime Upward Rate Change Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Loan Amortization Type | &nbsp;&nbsp;39 | &nbsp;&nbsp;577 | &nbsp;&nbsp;6.76% |
| &nbsp;&nbsp;Loan Documentation Type | &nbsp;&nbsp;37 | &nbsp;&nbsp;577 | &nbsp;&nbsp;6.41% |
| &nbsp;&nbsp;Loan Original Maturity Term Months | &nbsp;&nbsp;30 | &nbsp;&nbsp;577 | &nbsp;&nbsp;5.20% |
| &nbsp;&nbsp;Mailing Address City | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Mailing Address Street | &nbsp;&nbsp;5 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Mailing Address Zip Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Max Rate At First Adjustment | &nbsp;&nbsp;8 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.39% |

---

15 \| P a g e<br>

![](ex99-3_002.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;MERS MIN Number | &nbsp;&nbsp;32 | &nbsp;&nbsp;577 | &nbsp;&nbsp;5.55% |
| &nbsp;&nbsp;MI And Funding Fee Total Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;MI Company | &nbsp;&nbsp;12 | &nbsp;&nbsp;577 | &nbsp;&nbsp;2.08% |
| &nbsp;&nbsp;MI Coverage Amount | &nbsp;&nbsp;11 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.91% |
| &nbsp;&nbsp;MI Upfront Premium Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Min Rate At First Adjustment | &nbsp;&nbsp;7 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.21% |
| &nbsp;&nbsp;Mod Maturity Date | &nbsp;&nbsp;17 | &nbsp;&nbsp;577 | &nbsp;&nbsp;2.95% |
| &nbsp;&nbsp;Mod Step 1 Date | &nbsp;&nbsp;18 | &nbsp;&nbsp;577 | &nbsp;&nbsp;3.12% |
| &nbsp;&nbsp;Mod Step 1 P&I | &nbsp;&nbsp;6 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;Mod Step 1 Rate | &nbsp;&nbsp;13 | &nbsp;&nbsp;577 | &nbsp;&nbsp;2.25% |
| &nbsp;&nbsp;Mod Step 2 Date | &nbsp;&nbsp;15 | &nbsp;&nbsp;577 | &nbsp;&nbsp;2.60% |
| &nbsp;&nbsp;Mod Step 2 P&I | &nbsp;&nbsp;6 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;Mod Step 2 Rate | &nbsp;&nbsp;12 | &nbsp;&nbsp;577 | &nbsp;&nbsp;2.08% |
| &nbsp;&nbsp;Mod Step 3 Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.39% |
| &nbsp;&nbsp;Mod Step 3 P&I | &nbsp;&nbsp;2 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Mod Step 3 Rate | &nbsp;&nbsp;6 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;Mod Step 4 Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.52% |
| &nbsp;&nbsp;Mod Step 4 Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Mod Step 5 Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Mod Step 5 Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Mod Step Indicator | &nbsp;&nbsp;16 | &nbsp;&nbsp;577 | &nbsp;&nbsp;2.77% |
| &nbsp;&nbsp;Modification Contains Balloon Provision? | &nbsp;&nbsp;7 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.21% |
| &nbsp;&nbsp;Modification First Payment Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.91% |
| &nbsp;&nbsp;Modification Interest Bearing Amount | &nbsp;&nbsp;5 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Modification Original P&I | &nbsp;&nbsp;11 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.91% |
| &nbsp;&nbsp;Modification Original Rate | &nbsp;&nbsp;10 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.73% |
| &nbsp;&nbsp;Modification Stated Term | &nbsp;&nbsp;4 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.69% |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.69% |
| &nbsp;&nbsp;Mos Currently Delinquent | &nbsp;&nbsp;4 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.69% |
| &nbsp;&nbsp;Mos Currently Delinquent per Payment History | &nbsp;&nbsp;5 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Mos to First Payment Change | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Mtg Insurance Doc Status MI Cert in File? | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Neg. Amort Potential? | &nbsp;&nbsp;22 | &nbsp;&nbsp;577 | &nbsp;&nbsp;3.81% |
| &nbsp;&nbsp;Next Pay Change Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.52% |
| &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Number of Mod Rate Steps | &nbsp;&nbsp;4 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.69% |
| &nbsp;&nbsp;Number Of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Occupancy at Origination (Property Usage Type) | &nbsp;&nbsp;2 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;31 | &nbsp;&nbsp;577 | &nbsp;&nbsp;5.37% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;38 | &nbsp;&nbsp;577 | &nbsp;&nbsp;6.59% |
| &nbsp;&nbsp;Original Balance (or Line Amount) | &nbsp;&nbsp;14 | &nbsp;&nbsp;577 | &nbsp;&nbsp;2.43% |

---

16 \| P a g e<br>

![](ex99-3_002.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Original CLTV Ratio Percent | &nbsp;&nbsp;124 | &nbsp;&nbsp;577 | &nbsp;&nbsp;21.49% |
| &nbsp;&nbsp;Original Note Doc Date | &nbsp;&nbsp;125 | &nbsp;&nbsp;577 | &nbsp;&nbsp;21.66% |
| &nbsp;&nbsp;Original Standard LTV (OLTV) | &nbsp;&nbsp;140 | &nbsp;&nbsp;577 | &nbsp;&nbsp;24.26% |
| &nbsp;&nbsp;Original Stated P&I | &nbsp;&nbsp;50 | &nbsp;&nbsp;577 | &nbsp;&nbsp;8.67% |
| &nbsp;&nbsp;Original Stated Rate | &nbsp;&nbsp;34 | &nbsp;&nbsp;577 | &nbsp;&nbsp;5.89% |
| &nbsp;&nbsp;Originator MERS ID | &nbsp;&nbsp;5 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Parsed Street Address Apartment or Unit | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Pay Change Frequency | &nbsp;&nbsp;2 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Payment History String | &nbsp;&nbsp;214 | &nbsp;&nbsp;577 | &nbsp;&nbsp;37.09% |
| &nbsp;&nbsp;Payment History String Reversed | &nbsp;&nbsp;150 | &nbsp;&nbsp;577 | &nbsp;&nbsp;26.00% |
| &nbsp;&nbsp;Periodic Rate Change Cap Down | &nbsp;&nbsp;3 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.52% |
| &nbsp;&nbsp;Post-Close DTI per 1003 | &nbsp;&nbsp;3 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.52% |
| &nbsp;&nbsp;Post-Close Housing Ratio per 1003 | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Post-Close Total Debts per 1003 | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;'Prepayment Penalty End Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Prepayment Penalty Indicator | &nbsp;&nbsp;23 | &nbsp;&nbsp;577 | &nbsp;&nbsp;3.99% |
| &nbsp;&nbsp;Principal Balance Stated in Mod | &nbsp;&nbsp;13 | &nbsp;&nbsp;577 | &nbsp;&nbsp;2.25% |
| &nbsp;&nbsp;Property Address Street | &nbsp;&nbsp;106 | &nbsp;&nbsp;577 | &nbsp;&nbsp;18.37% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;10 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.73% |
| &nbsp;&nbsp;Property Postal Code | &nbsp;&nbsp;2 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Purpose of Refinance Per Application | &nbsp;&nbsp;30 | &nbsp;&nbsp;577 | &nbsp;&nbsp;5.20% |
| &nbsp;&nbsp;Purpose of Refinance Per HUD-1 | &nbsp;&nbsp;23 | &nbsp;&nbsp;577 | &nbsp;&nbsp;3.99% |
| &nbsp;&nbsp;Purpose of Transaction per HUD-1 | &nbsp;&nbsp;43 | &nbsp;&nbsp;577 | &nbsp;&nbsp;7.45% |
| &nbsp;&nbsp;Purpose Per Application | &nbsp;&nbsp;12 | &nbsp;&nbsp;577 | &nbsp;&nbsp;2.08% |
| &nbsp;&nbsp;Rate Adjustment Initial Cap Percent | &nbsp;&nbsp;2 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Rate Adjustment Subsequent Cap Percent | &nbsp;&nbsp;2 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Referral Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.91% |
| &nbsp;&nbsp;S&C Filing Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.39% |
| &nbsp;&nbsp;Sales Price (HUD-1 Line 101) | &nbsp;&nbsp;9 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.56% |
| &nbsp;&nbsp;Stated Maturity Date | &nbsp;&nbsp;58 | &nbsp;&nbsp;577 | &nbsp;&nbsp;10.05% |
| &nbsp;&nbsp;Stated Remaining Term | &nbsp;&nbsp;40 | &nbsp;&nbsp;577 | &nbsp;&nbsp;6.93% |
| &nbsp;&nbsp;Subject Property Detached/Attached | &nbsp;&nbsp;2 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Subject Property Type | &nbsp;&nbsp;69 | &nbsp;&nbsp;577 | &nbsp;&nbsp;11.96% |
| &nbsp;&nbsp;Subsequent Rate Adjustment Frequency | &nbsp;&nbsp;2 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Suspense Balance per Payment History | &nbsp;&nbsp;4 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.69% |
| &nbsp;&nbsp;Total Balance of Junior Lien(s) | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Total Debt / Legal Balance per Payment History | &nbsp;&nbsp;65 | &nbsp;&nbsp;577 | &nbsp;&nbsp;11.27% |
| &nbsp;&nbsp;Total Term Including Mod. Extensions | &nbsp;&nbsp;2 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Trial Modification Agreement in file? | &nbsp;&nbsp;3 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.52% |
| &nbsp;&nbsp;Unpaid Current Principal Balance (UPB) per Payment History | &nbsp;&nbsp;27 | &nbsp;&nbsp;577 | &nbsp;&nbsp;4.68% |
| &nbsp;&nbsp;Value Used By Lender For LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.52% |

---

17 \| P a g e<br>

![](ex99-3_002.jpg)

**ADDITIONAL LOAN POPULATION SUMMARY (577 MORTGAGE LOANS)**

\* Total may not sum to total due to rounding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Original<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;521 | &nbsp;&nbsp;90.29% | &nbsp;&nbsp;$151381360.62 | &nbsp;&nbsp;89.91% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;53 | &nbsp;&nbsp;9.19% | &nbsp;&nbsp;$16029916.84 | &nbsp;&nbsp;9.52% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.35% | &nbsp;&nbsp;$957000.00 | &nbsp;&nbsp;0.57% |
| &nbsp;&nbsp;Blank | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**577** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$168368277.46** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of <br> Original<br> Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;570 | &nbsp;&nbsp;98.79% | &nbsp;&nbsp;$167521847.46 | &nbsp;&nbsp;99.50% |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.04% | &nbsp;&nbsp;$846430.00 | &nbsp;&nbsp;0.50% |
| &nbsp;&nbsp;Blank | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**577** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$168368277.46** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown | &nbsp;&nbsp;99 | &nbsp;&nbsp;17.16% | &nbsp;&nbsp;$22639018.05 | &nbsp;&nbsp;13.45% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;179 | &nbsp;&nbsp;31.02% | &nbsp;&nbsp;$56989847.30 | &nbsp;&nbsp;33.85% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;153 | &nbsp;&nbsp;26.52% | &nbsp;&nbsp;$54520610.00 | &nbsp;&nbsp;32.38% |
| &nbsp;&nbsp;Rate/Term Refinance – Borrower initiated | &nbsp;&nbsp;53 | &nbsp;&nbsp;9.19% | &nbsp;&nbsp;$13904081.93 | &nbsp;&nbsp;8.26% |
| &nbsp;&nbsp;Construction to Permanent | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.69% | &nbsp;&nbsp;$1233945.00 | &nbsp;&nbsp;0.73% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.43% | &nbsp;&nbsp;$3014653.01 | &nbsp;&nbsp;1.79% |
| &nbsp;&nbsp;Blank | &nbsp;&nbsp;75 | &nbsp;&nbsp;13.00% | &nbsp;&nbsp;$16066122.17 | &nbsp;&nbsp;9.54% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**577** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$168368277.46** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Original<br> Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.52% | &nbsp;&nbsp;$33230.00 | &nbsp;&nbsp;0.02% |
| &nbsp;&nbsp;158 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;$295000.00 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;170 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;$70857.01 | &nbsp;&nbsp;0.04% |
| &nbsp;&nbsp;180 Months | &nbsp;&nbsp;17 | &nbsp;&nbsp;2.95% | &nbsp;&nbsp;$4031700.00 | &nbsp;&nbsp;2.39% |
| &nbsp;&nbsp;181 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.35% | &nbsp;&nbsp;$805766.44 | &nbsp;&nbsp;0.48% |
| &nbsp;&nbsp;186 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;$93500.00 | &nbsp;&nbsp;0.06% |
| &nbsp;&nbsp;208 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;$380000.00 | &nbsp;&nbsp;0.23% |

---

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![](ex99-3_002.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;236 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;$230000.00 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;16 | &nbsp;&nbsp;2.77% | &nbsp;&nbsp;$2425953.67 | &nbsp;&nbsp;1.44% |
| &nbsp;&nbsp;290 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;$255000.00 | &nbsp;&nbsp;0.15% |
| &nbsp;&nbsp;300 Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.87% | &nbsp;&nbsp;$452703.11 | &nbsp;&nbsp;0.27% |
| &nbsp;&nbsp;344 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;$76500.00 | &nbsp;&nbsp;0.05% |
| &nbsp;&nbsp;359 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.52% | &nbsp;&nbsp;$290921.82 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;497 | &nbsp;&nbsp;86.14% | &nbsp;&nbsp;$150578549.79 | &nbsp;&nbsp;89.43% |
| &nbsp;&nbsp;361 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.35% | &nbsp;&nbsp;$715831.78 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;480 Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.04% | &nbsp;&nbsp;$1878963.84 | &nbsp;&nbsp;1.12% |
| &nbsp;&nbsp;Blank | &nbsp;&nbsp;19 | &nbsp;&nbsp;3.29% | &nbsp;&nbsp;$5753800.00 | &nbsp;&nbsp;3.42% |
| &nbsp;&nbsp; **Total** | &nbsp;&nbsp;**577** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$168368277.46** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Original<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;498 | &nbsp;&nbsp;86.31% | &nbsp;&nbsp;$149858730.46 | &nbsp;&nbsp;89.01% |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;19 | &nbsp;&nbsp;3.29% | &nbsp;&nbsp;$6023002.00 | &nbsp;&nbsp;3.58% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;59 | &nbsp;&nbsp;10.23% | &nbsp;&nbsp;$12486545.00 | &nbsp;&nbsp;7.42% |
| &nbsp;&nbsp;Blank | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**577** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$168368277.46** | &nbsp;&nbsp;**100.00%** |

---

**PAY HISTORY REVIEW**

Infinity performed a collection comment, pay history, Pacer, and servicing information review on five hundred and seventy-seven (577) loans within this pool. The following is a summary of our conclusions and findings surrounding this analysis. Please keep in mind that this review did not include an operational or gap audit to look for servicing practices and vendor management process governance as it relates to foreclosure and/or bankruptcy.

Infinity reviewed the servicer payment history for each loan to establish a payment activity and history string. Infinity reviewed the payment application and determined how it impacted the contractual due dates on the loans in the portfolio with the primary focus of determining cash flows, last payment received, payment string, and next payment due (not to exclude escrow, late, and servicing charges) information based on the as of dates of the payment histories received.

A breakdown of the loans and as of dates for the review are below:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Pay History** | &nbsp;&nbsp;**Pay History** |
| &nbsp;&nbsp;**As of Date** | &nbsp;&nbsp;**Total Loans** |
| &nbsp;&nbsp;3/13/2017 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;5/10/2017 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;5/12/2017 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;5/17/2017 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;6/29/2017 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;7/6/2017 | &nbsp;&nbsp;2 |

---

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![](ex99-3_002.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;8/25/2017 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/5/2017 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;10/12/2017 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;12/4/2017 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;1/31/2018 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;2/1/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;2/5/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;2/7/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;2/8/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;2/12/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;2/14/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;3/2/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;3/5/2018 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;3/7/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;3/8/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;3/21/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;3/27/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;4/1/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;4/9/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;4/30/2018 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;5/3/2018 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;5/9/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;6/14/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;6/15/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;6/30/2018 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;7/24/2018 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;7/25/2018 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;7/27/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;7/31/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;8/6/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;8/9/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;8/14/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;8/23/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;8/31/2018 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;9/6/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/12/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/16/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/17/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/21/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;10/29/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;12/17/2018 | &nbsp;&nbsp;1 |

---

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![](ex99-3_002.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;12/19/2018 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1/23/2019 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1/30/2019 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;2/7/2019 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;2/22/2019 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;3/7/2019 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;8/29/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;8/31/2024 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;9/5/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/11/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/12/2024 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;9/30/2024 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;10/2/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;10/28/2024 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;10/29/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;11/3/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;11/4/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;11/7/2024 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;11/18/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;11/22/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;11/26/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;12/2/2024 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;12/4/2024 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;12/5/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;12/10/2024 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;12/13/2024 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;12/27/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;12/30/2024 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;12/31/2024 | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;1/1/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1/2/2025 | &nbsp;&nbsp;27 |
| &nbsp;&nbsp;1/3/2025 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;1/5/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;1/6/2025 | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;1/7/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;1/8/2025 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;1/9/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;1/10/2025 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;1/13/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;1/14/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1/15/2025 | &nbsp;&nbsp;4 |

---

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![](ex99-3_002.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;1/16/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;1/17/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;1/19/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;1/21/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1/23/2025 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;1/24/2025 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;1/27/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;1/28/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;1/29/2025 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;1/30/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;1/31/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;2/3/2025 | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;2/4/2025 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;2/5/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;2/6/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;2/7/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;2/10/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;2/11/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;2/13/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;2/14/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;2/18/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;2/20/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;2/21/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;2/26/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;2/27/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;2/28/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;3/3/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;3/4/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;3/5/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;3/6/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;3/7/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;3/10/2025 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;3/12/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;3/13/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;3/14/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;3/16/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;3/17/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;3/18/2025 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;3/20/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;3/21/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;3/22/2025 | &nbsp;&nbsp;1 |

---

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![](ex99-3_002.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;3/24/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;3/25/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;3/26/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;3/28/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;3/30/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;3/31/2025 | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;4/1/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;4/2/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;4/3/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;4/4/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;4/5/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;4/7/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;4/8/2025 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;4/9/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;4/10/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;4/11/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;4/14/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;4/15/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;4/17/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;4/18/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;4/20/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;4/22/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;4/23/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;4/24/2025 | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;4/25/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;4/28/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;4/29/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;4/30/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;5/1/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;5/2/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;5/3/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;5/4/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;5/5/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;5/6/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;5/7/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;5/8/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;5/9/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;5/10/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;5/13/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;5/14/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;5/15/2025 | &nbsp;&nbsp;2 |

---

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![](ex99-3_002.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;5/19/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;5/20/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;5/21/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;5/22/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;5/31/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;6/5/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**577** |

---

Data points surrounding 24 months of payment history (as defined as the most recent 24 months available during the period of March 2017 to June 2025) were also collected to determine loan status and data integrity. Infinity identified minor discrepancies between the servicer's payment string and the audited payment string and determined that Client was able to provide an explanation, when applicable, for any noted discrepancies. Based on our analysis, Infinity determined that the majority of the loans were found to be performing.

**METHODS OF ACCOUNTING FOR DELINQUENCIES**

The client utilizes the MBA method of defining delinquency status, which is typical in the current market. Below is a table that represents the delinquency coding methodology used during our analysis.

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Delinquency <br> String** | &nbsp;&nbsp;**Delinquency Reason** |
| &nbsp;&nbsp;0 | &nbsp;&nbsp;Less than 30 Days |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;30 – 59 Days |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;60 – 89 Days |
| &nbsp;&nbsp;3 | &nbsp;&nbsp;90 – 119 Days |
| &nbsp;&nbsp;4 | &nbsp;&nbsp;120+ Days |

---

**Payment Posting**

During the review, Infinity was able to isolate key payment transaction codes that identified payment receipt and helped to determine whether the transactions were posted with an accurate "effective date". The net payment amount received and applied to the account including principal, interest, and escrow payments represent activity through month end and include payment reversals.

**Partial Payments**

In the event that a payment received from the borrower is less than the contractual amount due, there are two types of processes used by sellers to handle partial payments: 1) the balance of the payment would be "advanced" to the borrower, or 2) the payment was applied directly to unapplied funds / suspense account.

In the second scenario, the funds are applied to the suspense account, and not the account balance, and therefore the amount of such payment is not recorded as an actual payment in the Client system. The funds may then be held in suspense until the full contractual payment was received.

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![](ex99-3_002.jpg)

**Escrow/Corporate Advance Payments**<sup>1</sup>

*Escrow:* The escrow account and/or balance will show funds held in trust to pay taxes and/or insurance. A negative balance indicates that funds have been advanced.

 

*Corporate Advance:* Infinity did not perform a reconciliation of the corporate advances, but did document the total dollar amount of fees advanced by the servicer and made observations in regards to the application of payments made toward the reduction of outstanding balances as represented in the payment history.<sup>2</sup>

**COLLECTION COMMENTS REVIEW**

In addition to analyzing payments made to the loans within this pool, Infinity also reviewed the servicing commentary to determine the reason(s) for any documented underperformance of the asset and to identify any indication of potential re-performance.

Infinity will review the servicing history for evidence of mortgage delinquency and for indicators of potential for future delinquency. The Servicing review will include but not necessarily be limited to:

✔ The source data is generally a pdf, text file, or direct access to the servicer's system.

---

| | |
|:---|:---|
| ✔ | 24 months of Servicing Comments: Infinity reviewed the services account history for evidence of borrower communication, collection efforts, NSF and late notices and indicators of potential for future default. Any references of borrower misrepresentation or distressed property conditions were documented with an exception. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Servicing commentary was analyzed
to determine the reason for the asset's underperformance and to identify clues regarding the potential risk for the loan and their
ability to re-perform in the future. Additionally, distressed property conditions, occupancy issues, origination misrepresentations, etc.
were identified through the review of these servicing/collection comments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Property conditions were reviewed
to determine if there were any risks to the collateral.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The current status of the loan of
Loss Mitigation, Bankruptcy, Foreclosure, and/or SCRA was isolated to show the loan status. We verified the Bankruptcy via Pacer. Infinity
followed the following methodology when assigning a delinquency status:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *Performing:* Current or less than 30 days past due

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *Delinquent in Collection:* At least 30 days past due and
may include loans in bankruptcy or forbearance plans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *In Bankruptcy and may include:* 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o *BK-Current:* Current, but comments indicate an active bankruptcy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o *BK-Delinquent*: Delinquent, comments also indicate active
bankruptcy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For Bankruptcy reviews we reviewed the documents and information
provider by Pacer – we obtained key documents from the PACER system to include (if available) – Document History page, Case
Summary, Motion for Relief from Stay, Granted Motion, Employee Income Records, Order Confirming Chapter 13 Plan, Proof of Claim for subject
loan, and Chapter 13 Plan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *Loss Mitigation*: Delinquent, loan is with loss mitigation
department working on resolutions with borrower such as modification, short sale, refinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *Foreclosure*: Delinquent, foreclosure process is underway

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *REO:* Foreclosure sale has occurred, property is bank owned

<sup>1</sup> Corporate advances may be deferred until the end of the loan and may not be recoverable.

<sup>2</sup> Client noted that some funds were not separately categorized at the time of the review due multiple servicers handing the loans.

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![](ex99-3_002.jpg)

✔ Modification Data: Infinity captured Note data for most recent modification where applicable.

---

| | |
|:---|:---|
| ✔ | Exit Strategy: Infinity reviewed the complete loan file to determine the most effective exit strategy by bucketing loans into various strategic categories. We analyze the current value, income, and the borrower's overall willingness to stay in the home and pay their loan obligations. Those customers who contact the creditor to seek information, explanation of the amount due and/or inquire about or attempt make a payment require customer service. With this information, one will be able to effectively perform a modification, forbearance plan, or select a refinancing and/or cram down option. |

---

---

| | |
|:---|:---|
| ⮚ | Unfortunately, not every borrower showed the willingness and ability to keep the subject property. Those customers who did not respond and attempted to avoid or delay payment for as long as possible require collection enforcement. In cases like this, Infinity reviewed the file for the best course of action is to minimize any more losses by either taking a short sale, Deed in Lieu or by taking the property to liquidation by foreclosure. |

---

Based on the comments reviewed within the collection comments, Infinity has categorized the portfolio as follows:

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Program Status Report** | &nbsp;&nbsp;**Loan Program Status Report** | &nbsp;&nbsp;**Loan Program Status Report** | &nbsp;&nbsp;**Loan Program Status Report** | &nbsp;&nbsp;**Loan Program Status Report** |
| &nbsp;&nbsp;**Servicing Status** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**Percentage of<br> Sample** | &nbsp;&nbsp;**Original Balance (or Line<br> Amount)** | &nbsp;&nbsp;**Percentage of<br> Balance** |
| &nbsp;&nbsp;Bankruptcy | &nbsp;&nbsp;109 | &nbsp;&nbsp;18.89% | &nbsp;&nbsp;$21374449.54 | &nbsp;&nbsp;12.66% |
| &nbsp;&nbsp;Collections | &nbsp;&nbsp;43 | &nbsp;&nbsp;7.45% | &nbsp;&nbsp;$9718963.98 | &nbsp;&nbsp;5.76% |
| &nbsp;&nbsp;Foreclosure | &nbsp;&nbsp;16 | &nbsp;&nbsp;2.77% | &nbsp;&nbsp;$3408026.75 | &nbsp;&nbsp;2.02% |
| &nbsp;&nbsp;3rd Party Sale | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Payment Plan | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Performing | &nbsp;&nbsp;409 | &nbsp;&nbsp;70.88% | &nbsp;&nbsp;$134321337.19 | &nbsp;&nbsp;79.56% |
| &nbsp;&nbsp;REO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Paid in Full | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**577** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$168822777.46** | &nbsp;&nbsp;**100.00%** |

---

**FORECLOSURE**

Client servicing comments indicated multiple items to assist with determining this status either a system generated breach letter was issued, if the loan was referred to a foreclosure review committee, approved to proceed, or if the loan was assigned to outside counsel or the updated title provided details of a Lis Pendens. Based on the collection comments, Infinity determined that there were no loans that indicated some type of Foreclosure action.

**BANKRUPTCY**

Collection comments indicate that the most available action showed loans had bankruptcy at one time. Some loans bankruptcy includes efforts for a motion for relief and proof of claim filings. However, comments that relate to filing the proof of claim, 341 meeting, and motions were not found on all loans, so it was difficult to determine the full action or status as related to the bankruptcy process. Infinity determined that there were one hundred and forty-one (141) loans (24.44%) that indicated some type of Bankruptcy action. Overall, the loans with a bankruptcy status were summarized as follows:

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![](ex99-3_002.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Bankruptcy Status Report** | &nbsp;&nbsp;**Bankruptcy Status Report** | &nbsp;&nbsp;**Bankruptcy Status Report** | &nbsp;&nbsp;**Bankruptcy Status Report** | &nbsp;&nbsp;**Bankruptcy Status Report** |
| &nbsp;&nbsp;**Servicing Status** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage of<br> Sample** | &nbsp;&nbsp;**Original Balance (or Line<br> Amount)** | &nbsp;&nbsp;**Percentage <br> of Balance** |
| &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;436 | &nbsp;&nbsp;75.56% | &nbsp;&nbsp;$140686073.06 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Plan Confirmed | &nbsp;&nbsp;69 | &nbsp;&nbsp;11.96% | &nbsp;&nbsp;$12066020.61 | &nbsp;&nbsp;7.15% |
| &nbsp;&nbsp;Discharged | &nbsp;&nbsp;16 | &nbsp;&nbsp;2.77% | &nbsp;&nbsp;$3243045.86 | &nbsp;&nbsp;1.92% |
| &nbsp;&nbsp;Dismissed | &nbsp;&nbsp;17 | &nbsp;&nbsp;2.95% | &nbsp;&nbsp;$3993759.00 | &nbsp;&nbsp;2.37% |
| &nbsp;&nbsp;Lift Stay | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.35% | &nbsp;&nbsp;$302000.00 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Proof of Claim | &nbsp;&nbsp;19 | &nbsp;&nbsp;3.29% | &nbsp;&nbsp;$4211943.97 | &nbsp;&nbsp;2.49% |
| &nbsp;&nbsp;Petition Filed | &nbsp;&nbsp;18 | &nbsp;&nbsp;3.12% | &nbsp;&nbsp;$4319934.96 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;Stipulated Agreement | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Referred to Attorney | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**577** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$168822777.46** | &nbsp;&nbsp;**100.00%** |

---

**TAX AND TITLE**

Infinity performed a limited-scope review of recent title reports provided by the client's vendor. (reports provided by Pro-Title). Based on the title report, we captured the current lien position, potential assignment chain concerns, concerns with recordation and legal ownership; and any current and delinquent taxes. We noted liens and itemized liens up to 2 Senior and 3 Junior (all others will be summarized in the title findings summary).

We reviewed the subject file as provided by the client/seller and determine if the HUD and Title work performed at origination would indicate coverage and/or lien risk. These documents were used to offset items noted on the current title report which may lower the client's/loan level risk.

If any issue was identified the client was made aware and has made arrangements to assure the curative action has been taken. Based on the review, it was determined that there were no non-curable significant issues on the mortgaged properties.

**<u>Tax/Municipal Portion</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Type of Taxes – Current or Delinquent** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Current with all Taxes | &nbsp;&nbsp;542 |
| &nbsp;&nbsp;Delinquent at the time of the review<sup>3</sup> | &nbsp;&nbsp;33 |
| &nbsp;&nbsp;Tax information unavailable | &nbsp;&nbsp;1 |

---

<sup>3</sup> Any delinquent tax amounts were addressed by the Servicer in accordance with its standard servicing procedures in order to ensure that the senior lien of the related Mortgage is maintained on the related Mortgaged Property. In addition to the Title Review conducted by the Infinity at the time of acquisition, the Servicer is monitoring the Mortgage Loans to check for delinquent taxes on the related Mortgaged Properties.

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![](ex99-3_002.jpg)

**<u>Title/Lien Portion</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Lien Level Review** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;First Lien | &nbsp;&nbsp;504 |
| &nbsp;&nbsp;Second Lien <sup>4</sup> | &nbsp;&nbsp;42 |
| &nbsp;&nbsp;Other Lien <sup>5</sup> | &nbsp;&nbsp;30 |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**576** |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Type of Liens** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;HOA Lien in Super Lien State | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Municipal Lien in Super Lien State | &nbsp;&nbsp;22 |

---

**COMPLIANCE REVIEW<sup>6</sup>** 

Infinity performed a compliance review on all of the loans in the sample in order to verify that each loan was originated in compliance with applicable federal, state and local anti-predatory lending statutes. If a loan was found to exceed applicable thresholds, additional testing was conducted to confirm additional criteria were met, and proper disclosure was provided to the borrower.

To accomplish this, Infinity captured all itemized closing fees as shown on the final HUD-1, or other acceptable settlement statement, as well as other data elements necessary to generate accurate high-cost threshold testing results. Annual Percentage Rates were recalculated based on the actual data in the file.<sup>7</sup>

Each mortgage loan file was tested for compliance with the federal Truth in Lending Act ("TILA"), as well as federal, state and local anti-predatory lending statutes.

The Section 32/HOEPA<sup>8</sup> review included, but was not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;· Rate test

&nbsp;&nbsp;&nbsp;&nbsp;· HPML test, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;· Points and Fees test

&nbsp;&nbsp;&nbsp;&nbsp;· Review of Section 32 disclosure for
accuracy (i.e. payment stream, highest payment scenario; dates disclosed, dates acknowledged)

&nbsp;&nbsp;&nbsp;&nbsp;· Review and confirmation of documentation
type (i.e. full, stated, no ratio)

&nbsp;&nbsp;&nbsp;&nbsp;· Review for evidence of prepayment
penalty

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of Debt-to-Income conformity,
when necessary.

<sup>4</sup> The client has made arrangements to perfect the lien level issues- by corrective recording action, title claims, or lien release actions.

<sup>5</sup> The client has made arrangements to perfect the lien level issues- by corrective recording action, title claims, or lien release actions.

<sup>6</sup> Note that compliance exceptions outside the statute of limitations were considered a non-critical exception for purposes of this review.

<sup>7</sup> Note that loans had rate documentation and those parameters were analyzed for adherence to federal, state and local rate thresholds by utilizing the disclosed APR on the final Truth in Lending Disclosure found in the file.

<sup>8</sup> There is a 3-year statute of limitations for affirmative claims and the position is that assigned liability is quite limited thereafter. That said, many states allow actions in recoupment. This is where the holder institutes foreclosure after 3 years and the SOL is tolled and counterclaims allowed, basically for the life of the loan. If the borrower prevailed damages could be as high as the full amount of the loan.

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![](ex99-3_002.jpg)

The Federal Truth in Lending Act/Regulation Z review includes, but is not necessarily limited to:

&nbsp;&nbsp;&nbsp;&nbsp;· A review of the material compliance
disclosures set forth in the Truth in Lending Disclosure and the Notice of Right to Cancel form, if applicable. A review final TIL with
a report outlining any TILA violations. Re-calculation of disclosed finance charge, proper execution by all required parties, principal
and interest calculations, payment stream(s), recalculation of disclosed APR, and a review to ensure disclosure differences are within
the allowed tolerances. A review of the Notice of Right to Cancel: verification of the transaction date and expiration date, ensures proper
execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission
period was adequately provided to the borrower(s).

Infinity reviewed five hundred and seventy-six (576) loan files and found the loans to be generally compliant with applicable laws or outside any statute of limitation (SOL). There were total of ninety-five (95) loans that were not tested for compliance of which thirty (30) loans that were missing HUD Settlement Statement, fifty-nine (59) loans were Investment Properties or exempted, three (3) loans were originated prior to 1995 and three (3) loans were originated as second lien.

The following is a detailed breakdown of the findings for the loans noted:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Active Compliance Exceptions** | &nbsp;&nbsp;**Active Compliance Exceptions** |
| &nbsp;&nbsp;**Standard Exception** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Prepayment Penalty Rider Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Finance Charge Under Disclosed | &nbsp;&nbsp;34 |
| &nbsp;&nbsp;Missing Final TIL | &nbsp;&nbsp;56 |
| &nbsp;&nbsp;Missing Right to Cancel Form or not properly executed | &nbsp;&nbsp;42 |
| &nbsp;&nbsp;Missing HUD-1/CD<sup>9</sup> | &nbsp;&nbsp;44 |
| &nbsp;&nbsp;Missing documents (unable to test for compliance)<sup>10</sup> | &nbsp;&nbsp;30 |
| &nbsp;&nbsp;Georgia Fair Lending Act - GAFLA<sup>11</sup> | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Ability to Repay<sup>12</sup> | &nbsp;&nbsp;41 |
| &nbsp;&nbsp;Texas Constitution Section 50(a)(6) Home Equity Mortgage | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Texas Constitution Section 50(a)(6) Evidentiary Finding | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State High Cost loans outside SOL | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;State High Cost No Assignee Liability | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State High Cost Not-compliant | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State High Cost (compliant) | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State High Cost inconclusive<sup>13</sup> | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;HOEPA High Cost Not-compliant<sup>14</sup> | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;HOEPA (compliant) | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;HOEPA inconclusive | &nbsp;&nbsp;0 |

---

<sup>9</sup> We had forty-four (44) missing and unexecuted HUDs and were not able to run compliance on thirty (30). For remaining fourteen (14) missing HUDs; seven (7) had run using the TIL itemizations/ Estimated HUDs/ improperly scanned copy, four (4) were investment properties and three (3) were originated prior to 1995.

<sup>10</sup> Loans that could not be tested due to lack of missing documentation.

<sup>11</sup> The Georgia Fair Lending Act (GAFLA) was originally signed into law on April 22, 2002, became effective on October 1, 2002, and was subsequently amended on March 7, 2003. This law had a significant impact on Georgia residential mortgage lending and brokering activities. These passed the APR and Fees and Points Threshold. None loans have been identified in pool that is originated within GAFLA Period.

<sup>12</sup> We are unable to verify code Special Feature Code 147 or determine if it falls under the safe harbor and truly fails ATR.

<sup>13</sup> Each of these were not tested to exceed state APR and/or points and fees thresholds, but rather could not be definitively tested due to lack of documentation in the loan files regarding discount points.

<sup>14</sup> These are included in the pool based on the mitigating factors (namely seasoning and performance).

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![](ex99-3_002.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;RESPA and TILA issues | &nbsp;&nbsp;79 |
| &nbsp;&nbsp;APR Under Disclosed | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;Missing Rate sheet/Discount Point Acknowledgement | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Loan proceeds disbursed prior to the expiration of the rescission period. | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Higher-Priced Mortgage (compliant) | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;Higher-Priced Mortgage Not-compliant | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Higher-Priced Mortgage inconclusive | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Qualified Mortgage DTI exceeds 43% | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State Regulation Fail | &nbsp;&nbsp;61 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**453<sup>15</sup>** |

---

Note that compliance exceptions outside the statute of limitations were considered a non-critical exception for purposes of this review. Infinity identified sixty-three (63) loans with Truth in Lending Act (TILA) related exceptions that fell outside the three (3) year statute of limitations<sup>16</sup> .

Infinity did not identify a significant number of prepayment penalties for nonconformity to state guidelines. Some loans were originated by federally chartered lenders that took advantage of the preemptive authority of DIDMCA and AMTPA. Under these circumstances, the prepayment penalty provision was considered exempt from any state statutory limitations. If a loan was not exempt due to a preemption claim, it was Client practice to lower the prepayment penalty to the statutory limit.

<sup>15</sup> This is the total number of items and not total number of loans.

<sup>16</sup> On the seventy-eight (78) Infinity is noting the TILA violation, itself. These refer to under disclosures and missing TILA documents. Infinity was not referring to the other RESPA related documents, GFE, Mortgage Disclosures, Affiliated Business Disclosure, Initial Escrow Statement, and Servicing Transfer Statement. There were some loans that failed both for Under Disclosed fees and points and APR.

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## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **General Comments** | **General Comments** | **General Comments** | **General Comments** | **Missing Documents** | **Tape Discrepancies** | **Grading and Exceptions** | **Grading and Exceptions** | **Grading and Exceptions** | **Grading and Exceptions** | **Grading and Exceptions** | **ComplianceEase** | **ComplianceEase** | **ComplianceEase** | **ComplianceEase** | **ComplianceEase** | **ComplianceEase** | **ComplianceEase** | **ComplianceEase** | **Current Value Information** | **Current Value Information** | **Current Value Information** | **Current Value Information** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** |
| **Redacted ID** | **Loan #1** | **Loan #2** | **Loan #3** | **Loan #4** | **Project Name** | **Pool** | **Borrower Last Name** | **Borrower First Name** | **Co-Borrower Last Name** | **Co-Borrower First Name** | **Address** | **City** | **State** | **Zip** | **Mailing Address** | **Mailing City** | **Mailing State** | **Mailing Zip** | **Original Lender** | **Loan Modified** | **Property Owner Same As Borrower** | **Chain of Assignment Complete** | **Current Lien Position** | **Judgment** | **Delinquent Tax** | **Total Tax** | **Last Payment** | **Foreclosure Case** | **Contested** | **Foreclosure Delay** | **Bankruptcy Chapter** | **Bankruptcy Case #** | **BK Cramdown** | **BK Reaffirmation** | **Original Loan Amount** | **I/O Interest Payment** | **Payment Amount per Note** | **Original Rate** | **Original Term** | **Amortized Term** | **Settlement Date** | **Disbursement Date** | **Cash Out Amount** | **Loan Type** | **Amortization Type** | **I/O Period** | **Loan Purpose** | **Original LTV** | **Original CLTV** | **ComplianceEase Doc Type** | **Mortgage Insurance Cert in File** | **MI Company** | **MI Cert #** | **MI Coverage Percentage** | **Borrower Monthly Income** | **Co-Borrower Monthly Income** | **Contract Sales Price** | **Property Type** | **Original Appraisal Date** | **Appraised Value** | **Occupancy (stated on 1003)** | **Flood Cert in File?** | **Life of Loan Flood Cert?** | **Property in a Flood Zone?** | **Borrower Original FICO** | **Co-Borrower Original FICO** | **DTI** | **Lien Position at Origination** | **Title Evidence** | **Senior Lien Amount** | **Junior Lien Amount** | **Date of Last MOD** | **Principal Balance Stated in MOD** | **Deferred Balance (Mod)** | **MOD Original Rate** | **MOD Original P&I** | **MOD First Payment Date** | **Reason for MOD** | **Title** | **Payment** | **Servicing** | **Mod Comments** | **Missing Documents** | **Tape Discrepancies** | **Guideline Grade (Non-ComplianceEase)** | **Grade 4 Exceptions (Reject / Non-curable)** | **Grade 3 Exceptions (Conditions / Curable)** | **Grade 2 Exceptions (Warnings)** | **Grade 1 Exceptions (Notices / Informational)** | **Overall Risk Indicator** | **HOEPA** | **TILA** | **RESPA** | **State and Local Predatory** | **State Regs** | **Exceptions** | **TRID Tolerance** | **Additional Valuation #1** | **Additional Valuation #2** | **Unrepaired Property Damage** | **Property Damage Amount $** | **Mortgage Rental History** | **2nd Home/Subject Investment Property** | **Consumer Debt** | **Charge Offs** | **Collections** | **Liens** | **Judgments** | **Bankruptcy (Pre-Origination)** | **Bankruptcy Chapter** | **Bankruptcy Discharge Date** | **Mos Credit Reestablished** | **Mortgage Rental History** | **2nd Home/Subject Investment Property** | **Consumer Debt** | **Charge Offs** | **Collections** | **Liens** | **Judgments** | **Total Payments Revolving Debt** | **Total Payments Installment Debt** | **Borrower Updated FICO** | **Co-Borrower Updated FICO** |
| 80036044 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | Yes | Yes | Not Applicable | Second | xx | ? | ????.? | ??/??/???? | Not Applicable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ??? | ?.???% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 85.000% | 85.000% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No |  | Not Applicable | 75.152% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | Not Applicable | x.xx% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx shows the subject mortgage dated xx.<br> The chain of assignment of mortgage is complete since subject mortgage is currently with xx.<br> There is HOA Lien against xx.<br> xxxx combined annual taxes were paid off in the amount of $x,xxx.xx dated xx/xx/xxxx.<br> No prior years delinquent taxes found. Estimated taxes for the year xxxx will be due in the amount of $x,xxx.xx. | As of xx/xx/xxxx, payments are delinquent for less than xx days and next due for xx/xx/xxxx. The last not was received on xx/xx/xxxx for due date xx/xx/xxxx in the amount of $xxx.xx towards PITI. The UPB is $xx,xxx.xx as per tape data. | Collections Comments:As of xx/xx/xxxx, payments are delinquent for less than xx days and next due for xx/xx/xxxx. The last not was received on xx/xx/xxxx for due date xx/xx/xxxx in the amount of $xxx.xx towards PITI. The UPB is $xx,xxx.xx as per tape data.<br> Available servicing comment and documents in file reveals foreclosure was initialed but FC process delayed due to loss mitigation efforts. FC process currently went on hold. No further details available.<br> Estimated taxes for the year xxxx will be due in the amount of $x,xxx.xx.<br> Foreclosure Comments:Available servicing comment and documents in file reveals foreclosure was initialed but FC process delayed due to loss mitigation efforts. FC process currently went on hold. No further details available.<br> Bankruptcy Comments:Not Applicable | The loan was modified with an effective date of xx/xx/xxxx and a new principal balance of $xx,xxx.xx to a step rate starting at x.xxx% and a P&I payment of $xxx.xx beginning xx/xx/xxxx with a new maturity date of xx/xx/xxxx. The rate is in x steps ending at x.xxx%. | Document Showing a Index Numerical Value | xx | 2: Acceptable with Warnings |  |  | \* DTI > 60% (Lvl 2) "Monthly income and debts are updated as per final application."<br> \* DTI > 60% (Lvl 2) "Monthly income and debts are updated as per final application."<br> \* Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) "Operative index numerical value not available based on lender doc." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 42531345 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 88.000% | 88.000% | Full Documentation | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 35.602% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | As per review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No assignment was found. However, the assignment is with original lender xx.<br> As per pro title report, mortgage foreclosure was recorded on xx/xx/xxxx in the favor of xx. <br> xxxx combined xst installment tax is paid in the amount of $x,xxx.xx with no prior delinquency. xxxx combined xnd installment tax is due on xx/xx/xxxx in the amount of $x,xxx.xx. xxxx estimated taxes are due in the amount of $x,xxx.xx. | As per payment history as of date xx/xx/xxxx, the borrower is delinquent more than xxx days. The last payment was received on xx/xx/xxxx which was applied for xx/xx/xxxx payment in the amount of P&I $xxx.xx and PITI $x,xxx.xx. The next due date is xx/xx/xxxx. The UPB reflects in payment history is $xxx,xxx.xx. | Collections Comments:The loan is currently in bankruptcy and due for xx/xx/xxxx payment. The last payment was received on xx/xx/xxxx which was applied for xx/xx/xxxx payment. The UPB reflects in payment history is $xxx,xxx.xx.<br> As per comment dated xx/xx/xxxx, the primary reason for default is a curtailment in income it was changed to an excessive obligation. The comment states that the borrower intends to keep the property.<br> The loan has been modified since origination. As per modified term, the new principal balance is $xxx,xxx.xx out of this $xx,xxx.xx principal balance shall be deferred and interest bearing amount is $xxx,xxx.xx. The borrower promises to pay $xxx.xx monthly with modified interest rate of x.xxx% beginning on xx/xx/xxxx to a maturity date xx/xx/xxxx.<br> As per comment dated xx/xx/xxxx states that the borrower declined the servicer short sale plan. The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx. However, the foreclosure sale was on hold due to the borrower filed bankruptcy.<br> The borrower filed bankruptcy xx. The plan was confirmed on xx/xx/xxxx. Order on motion for relief from stay was filed on xx/xx/xxxx.<br> As per comment dated xx/xx/xxxx, the subject property is occupied by the owner and the comment dated xx/xx/xxxx, the property had water damage, flooded to the roof line and not feasible to repair. No further details were found. However, as per BPO report dated xx/xx/xxxx, the property occupied by the owner and average condition. No repairs were needed.<br> Foreclosure Comments:As per comment dated xx/xx/xxxx states that the borrower declined the servicer short sale plan. The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx. The Judgment was entered on xx/xx/xxxx. Notice of sale was listed on xx/xx/xxxx. As per comment dated xx/xx/xxxx, the bid was prepared in the amount of xx. The sale was scheduled on xx/xx/xxxx. As per comment dated xx/xx/xxxx, the publication of sale was scheduled on xx/xx/xxxx. However, the foreclosure sale was on hold due to the borrower filed bankruptcy.<br> Bankruptcy Comments:The borrower filed bankruptcy xx. Proof of claim was filed on xx/xx/xxxx. The secured claim amount is xx and the amount to cure the default of the date of the petition is $xx,xxx.xx. The plan was confirmed on xx/xx/xxxx. Under confirmed plan, the debtor shall pay the trustee in the amount of $xxx monthly for xx months. Order on motion for relief from stay was filed on xx/xx/xxxx. | This loan modification agreement was made between the borrower xx. As per modified terms, the new principal balance is $xxx,xxx.xx out of this $xx,xxx.xx principal balance shall be deferred and interest bearing amount is $xxx,xxx.xx. The borrower promises to pay $xxx.xx monthly with modified interest rate of x.xxx% beginning on xx/xx/xxxx to a maturity date xx/xx/xxxx. There is no provision for the balloon payment. | Final Truth in Lending Discl.<br> Good Faith Estimate<br> HUD-x Closing Statement<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "An illegible copy of HUD-1 available in the loan file located at "xx". | \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing in the loan file."<br> \* Good Faith Estimate missing or unexecuted (Lvl 2) "Final GFE is missing in the loan file."<br> \* Initial Good Faith Estimate is Missing (Lvl 2) "Initial GFE is missing in the loan file."<br> \* Initial Truth in Lending Disclosure is Missing (Lvl 2) "Initial TIL is missing in the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing in the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing in the loan file." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 36790294 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Idaho | xx | xx | xx | Idaho | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | ????.?? | ????.?? | ?.???% | 372 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 68.851% | 68.851% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 800 | 793 | 39.042% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx | Not Applicable | x.xxx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active liens or judgments have been found against the borrower or subject property.<br> The first and second installments of county taxes for xxxx were paid in the amount of $xxx.xx.<br> The annual county taxes for xxxx supplemental were paid in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx and the interest rate is x.xxx%.<br> The interest column is missing from the payment history located at "xx".<br>| Collections Comments:The loan is currently performing and the next due date is xx/xx/xxxx.<br> The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx.<br> The loan has been modified. <br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> The occupancy of the subject property is not available.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWRx has xx<br> BWRx has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The subject property is construction to permanent. The modification agreement was made on xx/xx/xxxx between the borrowers "xx." As per the modified terms, the new principal balance is $xxx,xxx.xx. The borrower agreed to pay the P&I of $x,xxx.xx and an interest rate of x.xxx% beginning on xx/xx/xxxx until the maturity date of xx/xx/xxxx. <br>| Hazard Insurance<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "The tape shows the points and fees charged of $11,475.80 exceed the QM-ATR threshold of 3% after the loan was modified with UPB of $293,214. Further details not provided. Infinity compliance results do not fail the QM points and fees test."<br> \* GSE Points and Fees Test Violations (Lvl 3) "This loan failed the amortization test as the loan has a date creditor received application after xx, the loan is not fully amortizing, and the loan contains an interest-only feature."<br> \* Missing proof of hazard insurance (Lvl 3) "Hazard insurance policy is missing from the loan documents." | \* ComplianceEase TILA Test Failed (Lvl 2) "TILA finance charge disclosed on final CD as $585,919.23. Calculated finance charge is $593,024.22 for an under disclosed amount of -$7,104.99. Reason for finance charge under disclosure is unknown as the fee itemization is missing. <br>TRID total of payment disclosed on final CD as $1,236,965.73. Calculated total of payments is $1,244,197.22 for an under disclosed amount of -$7,231.49. Reason for the disclosed total of payments of $1,236,965.73 is not considered accurate because it is understated by more than $100. Subject loan is a refinance, originated on xx/xx/2022 and the 3-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 7066522 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | ???.?? | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 54.068% | 54.068% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 791 | 800 | 29.443% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx | Not Applicable | x.x% | xxxx.xx | xx/xx/xxxx | Financial Hardship | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens found.<br> The xst and xnd installments of county taxes for xxxx-xx were paid in the total amount of $xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> The xst and xnd installments of county taxes for xxxx-xx were due in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> The interest column is missing from the payment history located at "xx". | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner occupied.<br> No comments have been found stating the borrower's income was impacted by xx.<br> BWRx has xx.<br> BWRx has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower and lender with an effective date of xx/xx/xxxx shows the new modified unpaid principal balance is $xxx,xxx.xx, which is the interest-bearing amount. The borrower agreed to pay the modified monthly P&I of $x,xxx.xx with a modified interest rate of x.xxx% starting on xx/xx/xxxx and continuing until the new maturity date of xx/xx/xxxx. There is no deferred balance and principal forgiven amount. | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report in the loan file is subject to completion per plans and specifications. The subject loan is xx, and a xx report is available, but minor touch-up items are still needed, including hanging the interior doors and doing some minor touch-up paint. The cost to cure is not available. Final CD reflect escrow holdback in the amount of xx."<br> \* Compliance Testing (Lvl 3) "The tape shows the points and fees charged of $8,737.50 exceed the QM-ATR threshold of 3% after the loan was modified with UPB of $261,772. Further details not provided. Infinity compliance results do not fail the QM points and fees test."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan failed GSE (Fannie Mae Public Guidelines) amortization test due to the loan contains an interest-only feature.<br>Loan failed qualified mortgage interest only test due to this loan is an interest only loan." | \* ComplianceEase TILA Test Failed (Lvl 2) "Finance charge disclosed on final CD as $283,511.60. Calculated finance charge is $286,180.93 for an under disclosed amount of $2,669.33. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is refinance case, originated on xx/xx/2022 and the SOL is 3 years.<br>TRID total of payment disclosed on final CD as $606,508.50. Calculated total of payments is $609,285.93 for an under disclosed amount of $2,777.43. Reason for the disclosed total of payments of $606,508.50 is not considered accurate because it is understated by more than $100. Subject loan is refinance case, originated on xx/xx/2022 and the SOL is 3 years.<br>Subject loan is a refinance, originated on xx/xx/2022 and the 3-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 96685179 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 786 | Not Applicable | 49.880% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage originated on xx.<br> No active judgments or liens have been found.<br> The first installment of county tax for xxxx has been paid in the amount of $x,xxx.xx.<br> The second installment of county tax for xxxx has been due in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found. | As per the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> As per the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by xx.<br> Borrower has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject was approved at xx.. Tape shows income miscalculation. The revised DTI is 57%. Lender defect. Further details were not provided. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has xx. |  | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 73009595 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oregon | xx | xx | xx | Oregon | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 89.474% | 89.474% | Full Documentation | Yes | xx | xx | 25.000% | Unavailable |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 737 | Not Applicable | 38.347% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens were found. <br> The annual county taxes for xxxx were paid on xx/xx/xxxx in the amount of $xxxx.xx. <br> No prior year's delinquent taxes were found.  | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied to the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx and the interest rate is x.xxx%. The current UPB is $xxx,xxx.xx‬. | Collections Comments:Collection comments are missing from the loan file. <br> The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx‬.<br> No evidence of damage or repair was found. <br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Dicsloures<br> Transmittal (xxxx) |  | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan failed compliance ease delivery and timing test for initial loan estimate dated xx/xx/2024 and hand-signed on xx/xx/2024 of which is greater than 3 days from the initial application date xx/xx/2024. Unable to determine delivery date due to missing document tracker. TRID is failing for timing of initial LE. The subject loan is a purchase case, originated on xx/xx/2024, and the SOL is 1 year."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed initial LE estimate delivery and timing test. Initial LE dated xx/xx/2024 delivered on xx/xx/2024 which is more than 3 business days from initial application date xx/xx/2024. The subject loan is a purchase case, originated on xx/xx/2024, and the SOL is 1 year."<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the subject loan lost AUS approval as a result of updating property type as a xx. The DU report available in the file shows property type incorrectly submitted as xx. FNMA would not allow a manual UW, nor would they allow a principal reduction to bring down LTV to receive an approve/eligible. Further details were not provided."<br> \* Missing Required Disclosures (Lvl 3) "The home loan toolkit is missing from the loan documents."<br> \* Transmittal (1008) is Missing (Lvl 3) "Final transmittal summary is missing from the loan documents." | \* Property is Manufactured Housing (Lvl 2) "Home is affixed. <br> As per appraisal report, the subject property is xx. Affixation affidavit is available at x which states property is permanently affixed to the land and VIN/Serial# xx. |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 37045662 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Connecticut | xx | xx | xx | Connecticut | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 76.364% | 76.364% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 656 | Not Applicable | 38.887% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxx | x.xx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The first installment of town taxes for xxxx is paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The second installment of town taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx.<br> As per the comment dated xx/xx/xxxx, the RFD was excessive obligations. <br> As per the comment dated xx/xx/xxxx, the trial MOD has been approved. Further details were not provided. <br> According to the comment dated xx/xx/xxxx, the FB plan has been approved, and the comment dated xx/xx/xxxx shows that the forbearance plan payment was received. Further details regarding the FB plan were not provided. <br> The comment dated xx/xx/xxxx shows that the loss draft has been ordered, which indicates that there are damages to the subject property. Further details regarding the type of damage, estimated cost of repair, or repair completion were not provided. <br> No foreclosure activity has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> The subject property is owner-occupied. <br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan was modified between the borrower and the lender on xx/xx/xxxx. As per this modification agreement, the new principal balance is $xxx,xxx.xx, and the borrower promised to pay principal and interest in the amount of $x,xxx.xx at a rate of x.xxx%. According to this agreement, the new maturity date will be xx/xx/xxxx. There is a deferred balance in the amount of $x,xxx.xx. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 38.88%. Tape shows lender failed to obtain supporting documents for receipt of child support income and omission of mortgage debt on departure REO property. Revised DTI is 58.13%. Further details not provided. Lender defect. Subject loan originated on xx/xx/2018, and the 3-year SOL is expired. BWR has xx.<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Home loan toolkit is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 63989573 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 750 | 777 | 45.208% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage originated on xx.<br> There is a credit card judgment found against the borrower in favor of xx.<br> There is a state tax lien found against the borrower in favor of the xx.<br> The first and second installments of combined taxes for xxxx have been paid in the total amount of $x,xxx.x on xx/xx/xxxx and xx/xx/xxxx.<br> The first and second installments of school taxes for xxxx have been paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the servicing comment dated xx/xx/xxxx, the reason for default is curtailment of income.<br> The loan was modified on xx/xx/xxxx.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the servicing comment dated xx/xx/xxxx, the subject property is owner-occupied.<br> As per the servicing comment dated xx/xx/xxxx, the borrower's income has been impacted xx.<br> The loan was originated on xx/xx/xxxx, and the xx.<br> BWRx has xx. <br> BWRx has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower xx with an effective date of xx/xx/xxxx shows the new modified unpaid principal balance is $xxx,xxx.xx. The borrower agreed to pay the modified monthly P&I of $x,xxx.xx with a modified interest rate of x.xx% starting on xx/xx/xxxx and continuing until the new maturity date of xx/xx/xxxx. There is no deferred balance or principal forgiven amount. There is an affidavit under xx. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 45.20%. The tape shows the lender failed to establish the BWRs income stability and BWR misrepresented debts. The revised DTI is 103.14%. Further details are not provided. BWR defect. The subject loan originated on xx/xx/2021, and the 3-year SOL is expired. BWR1 has xx.<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "Loan fails qualified mortgage lending policy points and fees test due to fees charged $15,417.95 fees threshold $13,218.50 over by +$2,199.45.<br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $12,271.88<br> Points - Loan Discount Fee paid by Borrower: $3,146.07."<br> \* GSE Points and Fees Test Violations (Lvl 2) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $15,417.95 exceeds fees threshold of $13,218.50 over by +$2,199.45. <br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $12,271.88<br> Points - Loan Discount Fee paid by Borrower: $3,146.07."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 45.20%, as the borrower's income is $6,149.86 and total expenses are in the amount of $2,780.20 and the loan was underwritten by DU (xx) and its recommendation is Approve/Eligible with a DTI of 45.21%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 47236285 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | FHA | Fixed |  | Cash Out | 72.679% | 72.679% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 628 | 793 | 40.145% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> There is a child support lien found against the borrower in favor of xx.<br> The first and second installments of county taxes for the year xxxx-xxxx are due on xx/xx/xxxx and xx/xx/xxxx in the total amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per payment history is $xxx,xxx.xx.<br> As per the comment dated xx/xx/xxxx, the RFD is curtailment of income.<br> The post-closing details regarding the foreclosure and bankruptcy have not been found.<br> No evidence related to the occupancy and current condition of the subject property has been found in the collection comments. CCs do not show any damage.<br> BWRx has xx.<br> BWRx xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 40.14%. Tape shows lender used non occupant BWR2 income to qualify and failed to document credit report for BWR2. The revised DTI is 88.59%. Further details not provided. Lender defect. Subject loan originated on xx/xx/2021, and the 3-year SOL is expired. BWR1 has xx.<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflects Points - Loan Discount Fee at $1,692.67. CD dated 0xx/xx/2021 reflects Points - Loan Discount Fee at $1,866.22. This is an increase in fee of $173.55 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on 0xx/xx/2021 and the 3-year SOL is expired."<br> \* MI, FHA or MIC missing and required (Lvl 2) "Mortgage insurance certificate is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 8869494 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.188% | 98.188% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 664 | Not Applicable | 39.895% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage originated on xx.<br> No active judgments or liens were found.<br> The xxxx combined annual taxes were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found.<br> As per the updated report dated xx/xx/xxxx, the subject mortgage was re-recorded on xx. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> No comments have been found stating the borrower's income was xx.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject loan closed with an LTV of xx is uninsurable as the appraised value of xx is less than the sales price of xx. Further details were not provided. xx search shows an estimated value of xx."<br> \* MI, FHA or MIC missing and required (Lvl 3) "FHA mortgage insurance certificate is missing from loan documents." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2023 reflect Points - Loan Discount Fee $2,731.00. CD dated xx/xx/2023 reflects Points - Loan Discount Fee $2,841.32<br> Loan estimate dated xx/xx/2023 does not reflect Appraisal Re-Inspection Fee. Final CD dated xx/xx/2023reflects Appraisal Re-Inspection Fee at +$200.00.<br> This is a cumulative increase in fee of $310.32 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is Purchase case, originated on xx/xx/2023 and the 1 year SOL is expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property is Manufactured Housing (Lvl 2) "The home is affixed to the land. As per appraisal report located at xx. |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 42468031 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 688 | Not Applicable | 32.626% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage originated on xx.<br> There are two UCC liens found against the subject property xx.<br> The xst and xnd installments of county taxes for xxxx-xx are due in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI) which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx and deferred balance is $xx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx and deferred balance is $xx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> As per comment dated xx/xx/xxxx, borrower is on forbearance plan for x months.<br> No information has been found related to damage or repairs.<br> As per seller's tape data the subject property is owner occupied.<br> As per the deferment agreement dated xx/xx/xxxx, which is located at xx.<br> As per servicing comment dated xx/xx/xxxx, the borrower's income has been impacted xx. <br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 32.62%. Tape shows income and asset misrepresentation. File shows $17K assets; cash to close required $7K. Revised DTI is 93.54%. Further details were not provided. BWR defect. The subject loan originated on xx/xx/2017, and the 3-year SOL is expired. BWR has xx.<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "TRID violation due to decrease in lender credit on CD dated xx/xx/2027. Initial CD dated xx/xx/2017 reflects lender credit at $1,089.00. Final CD dated xx/xx/2017 reflects lender credit at $992.94. This is a decrease of $96.06 for fee which has 0% tolerance test. A valid COC for the decrease in NSLC is missing from the loan documents. The subject loan is purchase case, originated on xx/xx/2017, and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 99800375 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 52.941% | 52.941% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 707 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/xxxx, the subject mortgage originated on xx.<br> No active judgment or lien has been found.<br> The first installment of county taxes for xxxx-xxxx is due on xx/xx/xxxx in the amount of $x,xxx.xx.<br> The second installment of county taxes for xxxx-xxxx is due on xx/xx/xxxx in the amount of $x,xxx.xx.<br> No prior year's tax details have been found. | The latest payment history is missing from the loan file. According to payment history tape data as of xx/xx/xxxx, the borrower has been delinquent with the loan for x months, and the next due date is xx/xx/xxxx. The P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The latest collection comments are missing from the loan file. The current status of the loan is collection.<br> According to payment history tape data as of xx/xx/xxxx, the borrower has been delinquent with the loan for x months, and the next due date is xx/xx/xxxx. The P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No foreclosure activity has been initiated.<br> No bankruptcy-related details have been found.<br> The appraisal report dated xx/xx/xxxx in the loan file is as is, but the photo addendum reflects some repairs at chipping paint in the pan of the primary bath shower, a hole in stucco at the rear, trim at the front and rear, and wear/age is showing on the entry door and trim. CCs do not show any damage.<br> BWR x income details are not available.<br> BWR x has xx.<br> BWR x xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Hazard Insurance<br> Missing or error on the Rate Lock<br> Transmittal (xxxx) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report is as is, and the photo addendum reflects some repairs at for chipping paint in the pan of the primary bath shower, a hole in stucco at the rear, trim at the front and rear, and wear/age is showing on the entry door and trim. The appraisal report does not reflect the cost of completing the work. 1004D report is missing from the loan documents. Also, the final CD does not reflect any holdbacks."<br> \* Compliance Testing (Lvl 3) "Loan failed qualified mortgage lending policy points and fees test due to fees charged $7,788.75 exceeds fees threshold of $6,451.96 over by +$1,336.79.<br> The below fees were included in the test:<br> Lender Fee paid by Borrower: $1,050.00<br> Mortgage Broker Fee paid by Borrower: $4,500.00<br> Points - Loan Discount Fee paid by Borrower: $2,238.75."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan failed GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged $7,788.75 exceeds fees threshold of $6,451.96 over by +$1,336.79.<br> The below fees were included in the test:<br> Lender Fee paid by Borrower: $1,050.00<br> Mortgage Broker Fee paid by Borrower: $4,500.00<br> Points - Loan Discount Fee paid by Borrower: $2,238.75."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the BWR did not complete homeownership counseling prior to closing. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from loan documents."<br> \* Missing proof of hazard insurance (Lvl 3) "Valid proof of hazard insurance doc is missing from loan file."<br> \* Transmittal (1008) is Missing (Lvl 3) "Transmittal summary is missing from the loan documents." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 90923872 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | ????.?? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 643 | Not Applicable | 34.275% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> There is a junior mortgage that was originated on xx/xx/xxxx and recorded on xx.<br> The first installment of county taxes for xxxx was paid in the amount of $x,xxx.xx.<br> The first and second installments of county taxes for xxxx were paid in the amount of $x,xxx.xx.<br> The annual county taxes for xxxx are delinquent in the amount of $x,xxx.xx, which are good through xx/xx/xxxx.<br> The annual utilities/MUD taxes for xxxx are delinquent in the amount of $xxx.xx, which are good through xx/xx/xxxx. | According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx and the interest rate is x.xxx%. | Collections Comments:The loan is currently performing and the next due date is xx/xx/xxxx.<br> The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> As per the collection comment dated xx/xx/xxxx, the roof of the subject property was damaged due to the hail on xx/xx/xxxx. Unable to determine the actual cost of repairs. The borrower received the loss draft check in the amount of $xx,xxx.xx. As per the collection comment dated xx/xx/xxxx, there is another loss draft check received in the amount of $xx,xxx.xx on xx/xx/xxxx. Unable to determine the current condition and status of the repairs.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing DU/GUS/AUS<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows loan fail QM eligibility requirements. Mavent report in file shows points and fees charged at closing exceeded QM points and fees threshold. The lender provided post-consumption CD with lender credit of $1,674.74 as cure for QM points and fees test failure. Further details not provided."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) "TRID tolerance test is incomplete due to initial CD is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/2022 and the 3-year SOL is active."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) "LP report is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3) "As per the document tracker located at xx, the initial CD dated xx/xx/2021 is missing from the loan documents." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 50808189 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 60.000% | 60.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | Yes | 801 | Not Applicable | 49.137% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage originated on xx. <br> No active judgments or liens have been found.<br> The annual county tax for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx and was applied to the due date of xx/xx/xxxx. The monthly P&I is $x,xxx.xx, and the interest rate is x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR receives xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial LE<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at xx. The tape shows xx. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR receives xx.<br> \* Property Marketability Issues (Lvl 4) "Tape shows supporting documents for complete details on the special assessment of xx approved for the condo project and litigation judgment in favor of xx referred in the xx are missing from the loan documents. Further details not provided. xx shows an estimated value of xx. Current UPB xx." | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) "ComplianceEase TRID tolerance test is incomplete due to the initial LE missing from the loan documents."<br> \* Missing Initial LE (Lvl 3) "Document tracker located at xx. Initial LE is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 41513455 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Mississippi | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | 100.000% | 100.000% | Full Documentation | Not Applicable | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 805 | Not Applicable | 44.926% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/xxxx, the subject mortgage originated on xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. <br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy state. <br> BWR was xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial LE<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) "Compliance ease TRID tolerance test is incomplete due to initial loan estimate is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the subject loan is uninsured by the VA as the BWR does not have any entitlement remaining. Further details not provided."<br> \* Missing Initial LE (Lvl 3) "Initial loan estimate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from loan documents." | \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed TILA finance charge test. Finance charge disclosed on final CD as $177,743.53. Calculated finance charge is $178,093.53 for an under disclosed amount of -$350.00. The subject loan originated on xx/xx/2024, and the 1-year TILA SOL is active.<br>Subject loan is a purchase, originated on xx/xx/2024 and the 1-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 89140020 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | FHA | Fixed |  | Cash Out | 81.400% | 81.400% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 621 | 669 | 49.987% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The tax status is to follow. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is in performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> The loan has not been modified since origination.<br> No foreclosure activity has been initiated.<br> No bankruptcy-related details have been found.<br> No evidence related to occupancy and current condition of the subject property has been found in the collection comments. CCs do not show any damage. <br> BWRx has xx.<br> BWR x has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "This loan failed the Pennsylvania license validation test."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the loan is uninsured. Further details were not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "FHA mortgage insurance certificate is missing from loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 23020572 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 74.648% | 74.648% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 693 | Not Applicable | 44.957% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. <br> No active judgments or liens have been found.<br> The third and fourth installments of county taxes for xxxx are due in the total amount of $xxx.xx on xx/xx/xxxx and xx/xx/xxxx respectively. <br> No prior year's delinquent taxes have been found.  | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx and the interest rate is x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing. <br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> The loan has not been modified since origination.<br> No bankruptcy and foreclosure evidence has been found.<br> No evidence related to occupancy and current condition of the subject property has been found in the collection comments. The appraisal report is subject to repairs for missing water heater dual seismic straps that need to be installed. Estimated cost to cure is $xxx.xx. CCs do not show damages. <br> BWRx has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report is subject to repairs for missing water heater dual seismic straps that need to be installed. Estimated cost to cure is $350.00. The 1004D/Completion report is missing from the loan documents, and the final CD does not reflect escrow holdback."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "Loan failed compliance ease delivery and timing test for revised closing disclosure dated xx/xx/2023. Document tracker is missing, and 3 business days were added to get the receipt date xx/xx/2023, which is after the consummation date xx/xx/2023."<br> \* Loan does not conform to program guidelines (Lvl 3) "Subject loan was approved at 44.95%. Tape shows rental income miscalculation. Revised DTI is 48.88%. BWR1 has xx.<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $350.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 84591906 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 73.576% | 93.364% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 802 | 819 | 28.169% | First | Final policy | Not Applicable | xxxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> There is a junior mortgage originated on xx/xx/xxxx xx.<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx. <br> The annual combined taxes for xxxx were due in the amount of $xx,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No foreclosure activity has been initiated.<br> No bankruptcy-related details have been found.<br> No evidence related to occupancy and current condition of the subject property has been found in the latest servicing comments. <br> BWRx was xx.<br> BWRx was xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the terms of the subordinate financing loan are missing from the loan package. The subject loan closed with a subordinate financing loan of $195K and note, mortgage with loan terms, and final CD of the subordinate loan is available in the loan package. Further details not provided."<br> \* Property Marketability Issues (Lvl 3) "The tape shows that the appraiser failed to provide sufficient analysis and market data to support that the appraisal sales were in competitive neighborhoods. The comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of xx. Compxx, is closest to the subject property. Zillow search shows an estimated value of xx. Current UPB is $716K." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 33261579 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 25.000% | Unavailable |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | Yes | 768 | 802 | 42.952% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage originated on xx.<br> No active judgments or liens found.<br> The annual county taxes for xxxx were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The annual school taxes for xxxx were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/xxxx with the first payment date xx/xx/xxxx. According to the payment history as of xx/xx/xxxx, the first payment of the loan has not started yet. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the payment history as of xx/xx/xxxx, the first payment of the loan has not started yet. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No foreclosure activity has been initiated.<br> No bankruptcy-related details have been found.<br> No evidence related to occupancy or the current condition of the subject property has been found in the loan file. <br> BWR has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Transmittal (xxxx) | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "The tape shows the subject condo is a non-warrantable project. Further details not provided. Zillow search shows an estimated value of xx. Current UPB xx."<br> \* Transmittal (1008) is Missing (Lvl 3) "Transmittal summary at the time of closing is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 16869309 | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Kentucky | xx | xx | xx | Unavailable | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 11 | xx | ?????.?? | No | xx | Not Applicable | ???.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 75.129% | 75.129% | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Investor | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of Pro Title Report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> The chain of the assignment is complete as the subject mortgage is currently with xx.<br>There is an active Junior Mortgage in the amount of $xx,xxx.xx in favor of xx.<br>x. There is a Notice of Federal Tax Lien in favor of xx.<br> x. There is a Notice of Judgment lien in favor of xx.<br> x. There is a Notice of Judgment lien in favor of xx.<br> x. There is a Notice of Judgment lien in favor of xx.<br> x. There is a Notice of Judgment lien in favor of xx.<br> x. There is a Notice of Judgment lien in favor of xx.<br> Annual County taxes for the year xxxx are paid in the amount of $xxx.xx. No prior years delinquent taxes found. | Review of updated payment history shows the subject loan is currently delinquent for +xxx days. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx with a rate of interest of x.xxx% for the due date of xx/xx/xxxx and the next due date is xx/xx/xxxx. The UPB as of the date is in the amount $xx,xxx.xx. | Collections Comments:The loan is in active bankruptcy and is due for xx/xx/xxxx. The borrower is delinquent with the loan for more than xxx+ days and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx. which was applied to the due date of xx/xx/xxxx. The current UPB is reflecting in the amount of $xx,xxx.xx.<br>As per the review of servicing comments, foreclosure was initiated. The file was referred to an attorney on xx/xx/xxxx. As per the Notice of Lis Pendens xx, the foreclosure complaint was filed with xx. No, any further information is available. Currently, the foreclosure is on hold due to the borrower filed bankruptcy under xx. <br> As per servicing comment dated xx/xx/xxxx, this loan is in a litigation and file was sent to review the litigation matter, however, there is no such comment available in the file that confirms the reason of litigation. As per comment dated xx/xx/xxxx, the litigation is still pending.<br>As per the bankruptcy plan document, the POC in the amount of xx and the property value cram down to xx. Hence, unsecured claim amount of xx, considered as cram down amount. The secured portion will be paid over xx years at the rate of x.xx% at the amount of $xxx.xx per month. As per comment available on xx/xx/xxxx, the Roland have abandoned their plan to surrender the properties by Deed in Lieu of foreclosure. The debtors are now back with amended xx & disclosure statement seeking to cram down the loans to their secured values.<br> As per latest BPO in the file dated xx/xx/xxxx, the subject property is occupied by an unknown party and is in average condition.<br> As per the review of PACER report, the borrower filed bankruptcy under xx. The motion for relief from stay was filed on xx/xx/xxxx. <br> The POC was filed on xx/xx/xxxx with a secured claim amount of xx with an arrearage of arrearage is $xx,xxx.xx. The date of the last filing is xx/xx/xxxx.<br> As per chapter xx plan, the subject property value is xx (Secured claim) out of POC amount of xx and unsecured claim amount xx. The secured portion will be paid over xx years with rate of x.xx% at the amount of $xxx.xx per month however, there are no comments available in the file that confirms the property value is crammed down <br> The Chapter xx Amended Plan was filed on xx/xx/xxxx and reflects the subject property listed xx. <br> The US trustee has filed a motion to dismiss or convert to Chapter-x and the hearing is set for xx/xx/xxxx.<br> Motion was filed to convert case from xx.<br> Borrower disputes loss mitigation workout results per available comment on xx/xx/xxxx.<br> Servicing comment dated xx/xx/xxxx reflects the loan was recently service released from xx. The file was on hold with Chase due to ongoing Litigation and the Bankruptcy filing of borrower. Comment dated xx/xx/xxxx reflects Litigation is due to objecting to the Amended xx and Disclosure Statement seeking to Cram Down the loans to their secured values and restructuring their loans. The service is proceeding to advocate xx surrender the properties to xx by means of a court approved Bankruptcy Sale conducted under xx. Creditor is waiving its interest in any unsecured deficiency claims in exchange for the transfer of title free and clear of liens to the properties securing the loans. Per servicing comments as of xx/xx/xxxx, a new Plan Confirmation Hearing Date had not yet been scheduled. As per latest comment on xx/xx/xxxx, the litigation on file is still pending.<br>Foreclosure Comments:As per the review of servicing comments, foreclosure was initiated. The file was referred to an attorney on xx/xx/xxxx. As per the Notice of Lis Pendens xx, the foreclosure complaint was filed with xx. No, any further information is available. Currently, the foreclosure is on hold due to the borrower filed bankruptcy under xx. <br> Bankruptcy Comments:As per the review of PACER report, the borrower filed bankruptcy under xx. <br>Creditor xx for reference (Locator: xx)-<br>The POC was filed on xx/xx/xxxx with a secured claim amount of xx with an arrearage of arrearage is $xx,xxx.xx. The date of the last filing is xx/xx/xxxx.<br> As per xx(Secured claim) out of POC amount of xx and unsecured claim amount $xx,xxx.xx. The secured portion will be paid over xx years with rate of x.xx% at the amount of $xxx.xx per month however, there are no comments available in the file that confirms the property value is crammed down <br> The xx and reflects the subject property listed under xx. <br> The US trustee has filed a motion to dismiss or convert to Chapter-x and the hearing is set for xx/xx/xxxx.<br> Motion was filed to convert case from xx.<br> Borrower disputes loss mitigation workout results per available comment on xx/xx/xxxx.<br> Servicing comment dated xx/xx/xxxx reflects the loan was recently service released from Chase. The file was on hold with Chase due to ongoing Litigation and the Bankruptcy filing of borrower. Comment dated xx/xx/xxxx reflects Litigation is due to objecting to the Amended Cxx. The service is proceeding to advocate confirmation of the xx by means of a court approved Bankruptcy xx. Creditor is waiving its interest in any unsecured deficiency claims in exchange for the transfer of title free and clear of liens to the properties securing the loans. Per servicing comments as of xx/xx/xxxx, a new Plan Confirmation Hearing Date had not yet been scheduled. As per latest comment on xx/xx/xxxx, the litigation on file is still pending.<br>| Not Applicable | Credit Application<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 and an estimated HUD-1/Fee itemization are not available from the file." | \* Application Missing (Lvl 2) "Final 1003 is missing from the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report at the time of origination of the loan is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 3363862 | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Kentucky | xx | xx | xx | Unavailable | xx | xx | No | Yes | Not Applicable | Second |  | ? | ???.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 11 | xx | ????? | No | xx | Not Applicable | ???.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 75.652% | 75.652% | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Investor | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of Pro Title Report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> The chain of the assignment is complete. Latest assignment is xx.<br> There is a Certificate of Delinquency in the title report in the amount of $x,xxx.xx in favor of xx .<br>x. There is an open active junior mortgage in favor of xx.<br>x. There is a Notice of Federal Tax Lien in favor of xx.<br> x. There is a Notice of Judgment lien in favor of xx.<br> x. There is a Notice of Judgment lien in favor of xx.<br> x. There is a Notice of Judgment lien in favor of xx.<br> x. There is a Notice of Judgment lien in favor of xx.<br> x. There is a Notice of Judgment lien in favor of xx.<br> Annual County taxes for the year xxxx is paid in the amount of $xxx.xx.<br> No prior years delinquent taxes found.<br>| As per the review of updated payment history as of xx/xx/xxxx, the borrower is delinquent with the loan for more than xxx+ days and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied for the due date of xx/xx/xxxx. The current UPB is reflecting in the updated payment history is in the amount of $xx,xxx.xx. | Collections Comments:The loan is in active bankruptcy and is due for xx/xx/xxxx. The borrower is delinquent with the loan for more than xxx+ days. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied for the due date of xx/xx/xxxx. The current UPB is reflecting in the amount of $xx,xxx.xx. <br> As per the review of servicing comments foreclosure was initiated. The file was referred to an attorney on xx/xx/xxxx. As per Notice of Lis Pendens found at xx the foreclosure complaint was filed with xx. No, any further information is available. Currently, the foreclosure is put on hold due to the borrower filed bankruptcy under chapter xx with case#xx-xxxxx on xx/xx/xxxx. The foreclosure is still on hold. <br> As per servicing comment dated xx/xx/xxxx, says the property value has been crammed down under xx and unsecured claim amount of $xx,xxx.xx. The secured portion will be paid over xx years at x.xx% at the amount of $xxx.xx. <br> As per comment dated xx/xx/xxxx, the borrower has now abandoned their plan to surrender the properties to xx. <br> As per latest BPO dated xx/xx/xxxx, the subject property is occupied by owner and is in average condition & no visible damages noted and minimal maintenance is apparent. <br>Foreclosure Comments:As per the review of servicing comments foreclosure was initiated. The file was referred to an attorney on xx/xx/xxxx. As per Notice of Lis Pendens found at xx the foreclosure complaint was filed with xx. No, any further information is available. Currently, the foreclosure is put on hold due to the borrower filed bankruptcy under chapter xx with xx. <br> Bankruptcy Comments:As per the review of PACER report, the borrower filed bankruptcy under xx. <br>Creditor xx for reference (Locator: xx)-<br>The POC with claim xx and the amount of arrearage is $xx,xxx.xx. The motion for relief from stay was filed on xx/xx/xxxx. The date of the last filing is xx/xx/xxxx. The property value is crammed down under xx and unsecured claim amount of $xx,xxx.xx. The secured portion will be paid over xx years with rate of x.xx% at the amount of $xxx.xx per month however, there are no comments available in the file that confirms the property value is crammed down but comment dated xx/xx/xxxx states the proposed secured value xx and unsecured claim amount would be in the amount of xx. As per comment available on xx/xx/xxxx, the xx have abandoned their plan to surrender the properties by Deed in Lieu of foreclosure. The debtors are now back with amended chapter xx cram down plan & disclosure statement seeking to cram down the loans to their secured values. For  | Not Applicable | Credit Application<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1 (Settlement Statement) is missing from the loan file however, the estimated HUD-1 or fee itemization not found in the loan file." | \* Application Missing (Lvl 2) "Final 1003 is missing from the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 13803860 | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Kentucky | xx | xx | xx | Unavailable | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 11 | xx | ?????.?? | No | xx | Not Applicable | ???.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 81.311% | 81.311% | Unavailable | Unavailable |  | Unavailable | Unavailable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Investor | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of Pro Title Report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> The chain of the assignment is complete. Latest assignment is xx.<br>x. There is a Notice of Federal Tax Lien in favor of xx.<br> x. There is a Notice of Judgment lien in favor of xx.<br> x. There is a Notice of Judgment lien in favor of xx.<br> x. There is a Notice of Judgment lien in favor of xx.<br> x. There is a Notice of Judgment lien in favor of xx.<br> x. There is a Notice of Judgment lien in favor of xx.<br> Annual County taxes for the year xxxx were paid off in the amount of $xxx.xx.<br> No prior years delinquent taxes found. | As per review of the payment history, the subject loan is delinquent for +xxx days. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied to xx/xx/xxxx & the next due date is xx/xx/xxxx. The current UPB as of the date is in the amount of $xx,xxx.xx. | Collections Comments:The subject property is in active Bankruptcy and as per review of the payment history, the subject loan is delinquent for +xxx days. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied to xx/xx/xxxx & the next due date is xx/xx/xxxx. The current UPB as of the date is in the amount of $xx,xxx.xx.<br> As per the BPO report dated xx/xx/xxxx, the property is occupied by an unknown party. No repair or damage was found. The property is in good condition.<br> Foreclosure was placed on hold when Borrower filed Bankruptcy xx.<br> Borrower filed bankruptcy xx. POC was filed on xx/xx/xxxx with a xx with an arrearage of $xx,xxx.xx.<br>xx for reference-<br> As per chapter xx plan, the subject property value is xx out of POC amount of xx and unsecured claim amount $xx,xxx.xx. The secured portion will be paid over xx years with rate of x.xx% at the amount of $xxx.xx per month however, there are no comments available in the file that confirms the property value is crammed down but comment dated xx/xx/xxxx states the proposed secured value xx. As per comment available on xx/xx/xxxx, the xx have abandoned their plan to surrender the properties by Deed in Lieu of foreclosure. The debtors are now back with amended chapter xx cram down plan & disclosure statement seeking to cram down the loans to their secured values.<br> As per commented on xx/xx/xxxx, the file was litigated and litigation is still pending per xx/xx/xxxx comment however, comments are not enough to confirm for what reason was litigated.<br>As per commented on xx/xx/xxxx, the plan confirmation hearing has not been scheduled. Motion was filed to convert case xx<br>As per commented on xx/xx/xxxx, Attorney will proceed to advocate confirmation of the chapter xx bankruptcy plan to surrender the properties to xx. Creditor is waiving its interest in any unsecured deficiency claims in exchange for the transfer of title free and clear of liens to the retained counsel to defend it with respect to the debtors' objections to claims that are still pending with the court. Fay will need to retain counsel for in that matter. Attorney firm had been representing chase with respect to the claim objections.<br> The debtors expressed interest in xx agreement allow their loans to be restructured or modified to allow them to retain the properties. The debtors feel that chase and xx strongly opposed to that course of action.<br>Foreclosure Comments:Foreclosure was initiated against the subject mortgage and was placed on hold when Borrower xx. POC was filed on xx/xx/xxxx with a secured claim of xx.<br>Creditor xx-<br> As per chapter xx plan, the subject property value is xx and unsecured claim amount $xx,xxx.xx. The secured portion will be paid over xx years with rate of x.xx% at the amount of $xxx.xx per month however, there are no comments available in the file that confirms the property value is crammed down but comment dated xx/xx/xxxx states the proposed secured value would be of $xx,xxx.xx and unsecured claim amount would be in the amount of $xx,xxx.xx. As per comment available on xx/xx/xxxx, the xx have abandoned their plan to surrender the properties by Deed in Lieu of foreclosure. The debtors are now back with amended chapter xx cram down plan & disclosure statement seeking to cram down the loans to their secured values.<br> As per commented on xx/xx/xxxx, the file was litigated BK account litigated and litigation is still pending however, comments are not enough to confirm for what reason was litigated.<br>As per commented on xx/xx/xxxx, the plan confirmation hearing has not been scheduled. Motion was filed to convert xx.<br>As per commented on xx/xx/xxxx, Attorney will proceed to advocate confirmation of the chapter xx bankruptcy plan to surrender the properties to xx. Creditor is waiving its interest in any unsecured deficiency claims in exchange for the transfer of title free and clear of liens to the retained counsel to defend it with respect to the debtors' objections to claims that are still pending with the court. xx will need to retain counsel for in that matter. Attorney firm had been representing xx with respect to the claim objections.<br>The debtors expressed interest in asking xx to perhaps enter into agreement allow their loans to be restructured or modified to allow them to retain the properties. The debtors feel that xx forced them into the situation. xx were strongly opposed to that course of action. | Not Applicable | Credit Application<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 and an estimated HUD-1/Fee itemization are not available from the file." | \* Application Missing (Lvl 2) "Final 1003 is missing from the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report at the time of origination of the loan is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 81191707 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Missouri | xx | xx | xx | Texas | xx | xx | No | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 742 | Not Applicable | 23.031% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx the subject mortgage was originated on xx.<br> No active liens and judgments have been found against the borrower and subject property.<br> The annual county taxes for xxxx are due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> Unable to determine the current condition and occupancy of the subject property.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "Tape shows Fannie Mae did not agree with the use of comparables. Appraisal report shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of xx. Comp #xx, is closest to the subject property. xx search shows an estimated value of xx. Current UPB is xx" |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 45892773 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 57.913% | 57.913% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Mid Rise Condo (5-8 Stories) | xx | xx | Primary | Yes | Yes | Yes | 795 | Not Applicable | 33.797% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/xxxx shows that the subject mortgage originated on xx.<br> No active judgments or liens have been found.<br> The annual county taxes for xxxx are paid in the amount of $xx,xxx.xx on xx/xx/xxxx.<br> The annual county taxes for xxxx are due in the amount of $xx,xxx.xx on xx/xx/xxxx.<br> No prior year delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI) which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:Currently, the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock |  | 3: Curable |  | \* Compliance Testing (Lvl 3) "The tape shows the CD dated xx/xx/2024 reflecting a change in the loan product from ARM to fixed rate, and the change in APR was not delivered 3 business days prior to the consummation date. Infinity compliance report fails delivery and timing test due to APR disclosed was inaccurate and requires a new 3-day waiting period to be satisfied prior to the consummation date. Further details not provided."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable | Unavailable | Unavailable | Unavailable |
| 28856272 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to the payment history as of xx/xx/xxxx, the loan is current and the next due date for payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The P&I is $x,xxx.xx with an interest rate of xx.xxx% and PITI is $x,xxx.xx. The UPB is $xxx,xxx.xx. | Collections Comments:According to servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> Unable to determine the current occupancy and condition of the subject property.<br> Unable to determine the reason for default.<br> No information has been found regarding the foreclosure and bankruptcy.<br> No damage and repairs have been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 14371676 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 770 | Not Applicable | 41.817% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The xst installment of county taxes for xxxx is due in the total amount of $x.xx.<br> The xnd installment of county taxes for xxxx was paid in the amount of $xx,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/xxxx and the first payment date is xx/xx/xxxx. The next due date is xx/xx/xxxx. Details of the last payment received are not available. As per tape, the current P&I is $x,xxx.xx and interest rate is x.xx%. The UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> The loan was originated on xx/xx/xxxx and the first payment date is xx/xx/xxxx. The next due date is xx/xx/xxxx. The UPB is $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> As per tape data, the subject property is closed as primary.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 41.81%. Tape shows rental income miscalculation as the lender considered rental income from departure REO based on the lease agreement, and the REO was listed for rent shortly after closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has xx.<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 96069572 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Delaware | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 722 | Not Applicable | 43.692% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for the year xxxx have been paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The annual combined taxes for the year xxxx are due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> Recent servicing comments do not reflect any damage pertaining to the subject property.<br> As per tape data, the property is owner-occupied.<br> No comments have been found stating the borrower's income was xx.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 43.69%. Tape shows lender used BWR departing residence lease in DTI calculations. BWR listed prior residence for sale prior to closing. <br> Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has xx. |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 70682549 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 805 | Not Applicable | 49.644% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active liens and judgments have been found.<br> Annual combined taxes for the year of xxxx have been paid in the amount of $xxxx.xx on xx/xx/xxxx.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. Current P&I is $xxxx.xx, and the interest rate is x.xxx%. The new UPB is reflected in the amount of $xxx,xxx.xx. | Collections Comments:The loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The new UPB is reflected in the amount of $xxx,xxx.xx.<br> As per the tape data the subject property is non-owner occupied.<br> No damage and repairs have been found.<br> No evidence has been found for foreclosure and bankruptcy. <br> BWR xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan is NOO and was approved at 49.64%. Tape shows BWR was qualified based on a new employment offer and never started the new job. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR xx. |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 79125576 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 767 | 745 | 47.151% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active liens or judgments have been found against the borrower or subject property.<br> The first and second installments of county taxes for xxxx were paid in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWRx has xx. <br> BWRx has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2024 does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $3,974.86. This is an increase in fee of +$3,974.86 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2024 and the 1-year SOL is active." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 47.15%. Tape shows BWR2 did not return to work from leave. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has been xx.<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 71008660 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 739 | 747 | 48.725% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The annual combined taxes of the year for xxxx are paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> The reason for default is not available.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> No comments have been found stating the borrower's income was xx.<br> BWR has xx.<br> BWRx has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 48.73%. Tape shows BWR2 was not employed prior to closing. The revised DTI is 88%. Further details not provided. BWR defect. The subject loan was originated on xx/xx/2023, and the 3-year SOL is active. BWR has xx.<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 52188812 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 70.000% | 70.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 768 | Not Applicable | 30.575% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> There is a UCC lien against the property in favor of xx.<br> The annual combined taxes for xxxx are due in the amount of $xxx.xx on xx/xx/xxxx.<br> The annual combined taxes for xxxx were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> The occupancy of the subject property is not available.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows a gift by donor who is BWR's spouse is not acceptable on NOO loan as the gift donor is not included as co buyer on the purchase agreement. Bank statement in file shows xx. |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 15109141 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | No | Not Applicable | First |  | ? | ??? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 749 | 756 | 48.856% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for xxxx is paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx is due in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | The loan originated on xx/xx/xxxx and the first payment date is xx/xx/xxxx. As per the payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%. The UPB is $xxx,xxx.xx. | Collections Comments:The current status is performing. <br> The loan originated on xx/xx/xxxx and the first payment date is xx/xx/xxxx. As per the payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%. The UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWRx has xx. <br> BWRx has xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 48.85%. Tape shows rental income from ADU of subject property is not supported by agency guideline. Further details not provided. Lender defect. Subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has xx. |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 6868872 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 714 | Not Applicable | 41.584% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The xxxx county annual taxes were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual water charges for xxxx have been due in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> No information about the current occupancy of the subject property has been found in CC. <br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "Subject approved as xx. Tape shows BWR listed the subject property xx after closing. Review treating as xx. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 41.58%. Tape shows BWR listed the subject property for sale after closing. Review treating as NOO causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has xx.<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 6184699 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 103.869% | 103.869% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 698 | Not Applicable | 30.130% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | As per the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> As per the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per payment history is $xxx,xxx.xx.<br> The post-closing details regarding the foreclosure and bankruptcy have not been found.<br> The occupancy of the subject property is unable to be determined.<br> No information has been found regarding the forbearance plan.<br> The tape defect shows a home style that has aged out as a result of incomplete repairs.There is no evidence to confirm the exact cost and current status of repairs. CCs do not show damages.<br> BWR has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "Tape and appraisal report show subject to repairs for all interior walls and ceilings, the exterior roof, a hole in the kitchen wall, and the septic system that needs to be installed. xx is missing from the loan documents. The final CD reflects the escrow holdback in the amount of xx."<br> \* Loan has escrow holdback. No proof it was released (Lvl 4) "Final CD reflects escrow holdback in the amount of xx. Proof for release of escrow holdback is missing from the loan documents." |  | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2022 delivered on xx/xx/2022 which is more than 3 business days from initial application date xx/xx/2022.<br>This loan failed the TRID Rate Lock Disclosure Delivery Date Test. <br>The subject loan is a purchase, originated on xx/xx/2022 and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 32087966 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Hampshire | xx | xx | xx | Massachusetts | xx | xx | No | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 777 | 773 | 32.399% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens found.<br> The xst and xnd installments of city taxes for xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI) which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br>| Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> No comments have been found stating the borrower's income was xx.<br> BWRx has xx.<br> BWRx has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "The subject was approved as OO. Tape shows unable to verify occupancy. Review treating as NOO. Further details not provided. Elevated for client review." | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 32.39%. Tape shows lender was unable to verify occupancy. Review is treating as NOO causing lender to omit BWR primary housing expense. <br> Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has xx. |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 99016557 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | ? | ? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 63.063% | 63.063% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 780 | Not Applicable | 48.687% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> No prior year's delinquent taxes have been found.<br> Taxes are exempt.<br>| According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected is $xxx,xxx.xx.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> The xx.<br> BWR receives xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Dicsloures<br> Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 48.68%. The tape shows undisclosed debt, and the revised DTI is 66.62%. BWR defect. The subject loan was originated on xx/xx/2020, and the 3-year SOL is expired. BWR receives xx.<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Compliance failing for state regulations. PA license validation test. In the state of PA, lender is licensed under state ID#xx as per NMLS web site."<br> \* Intent to Proceed Missing (Lvl 2) "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Settlement services provider list is missing from loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 48.68%, as the borrower's income is $1,844.89 and total expenses are in the amount of $898.23 and the loan was underwritten by LP (xx) and its recommendation is Accept with a DTI of 49.00%." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 61593178 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Connecticut | xx | xx | xx | Connecticut | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 769 | 782 | 49.448% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. No active judgments or liens have been found. The xnd installment of county taxes for the year xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The loan is currently performing. According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx. As per the tape data, the subject property is owner-occupied. The post-closing details regarding the foreclosure and bankruptcy have not been found. No details pertaining to the damage to the subject property have been observed.<br> BWRx has xx.<br> BWRx xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "Subject approved as xx. Tape shows BWR listed the subject property xx the day after closing. Review treating as xx. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 49.44%. Tape shows BWR listed the subject property for sale the day after closing. Review treating as NOO causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has xx. |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 83890119 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | No | Not Applicable | First |  | ? | ??? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 708 | 821 | 21.607% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> There is an active junior mortgage against the subject property in favor of xx.<br> The annual county taxes for xxxx are due in the amount of $xxx.xx on xx/xx/xxxx.<br> The annual county taxes for xxxx were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> The reason for the default is unable to be determined.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> Unable to determine the occupancy of the subject property.<br> The xx<br> BWRx has xx.<br> BWRx has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Dicsloures<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "Tape shows appraisal report has deficiencies, and the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of xx. Comp xx, is closest to the subject property. xx search shows an estimated value of xx. Further details not provided." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 21.60%. The tape reflects an increased DTI of 34.09%. Further details were not provided. The subject loan originated on xx/xx/2020, and the 3-year SOL is expired. BWR has xx.<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx/xx/2020 reflects the sum of Section C fees and Recording fee at $1,222.00. Final CD dated xx/xx/2020 reflects the sum of Section C and Recording fee at $1,422.00. This is a cumulative increase of $77.80 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents."<br> \* Intent to Proceed Missing (Lvl 2) "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Settlement services provider list is missing from loan documents." |  | Moderate | Not Covered | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 64507511 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Delaware | xx | xx | xx | Delaware | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 99.910% | Full Documentation | Yes | xx | xx | 18.000% |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 774 | Not Applicable | 49.125% | First | Final policy | Not Applicable | xxxx.x | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> There is an active junior mortgage against the subject property in favor of xx.<br> The xxxx county annual taxes were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The xxxx city annual taxes were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | The loan is originated on xx/xx/xxxx and first payment date is xx/xx/xxxx. According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. As per tape the current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> The loan is originated on xx/xx/xxxx, and the first payment date is xx/xx/xxxx. According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges than in total cannot increase more than 10% tolerance test. Initial CD dated xx/xx/2024 reflects the sum of Section C fees and Recording fee at $537.00. Final CD dated xx/xx/2024 reflects the sum of Section C and Recording fee at $590.72. This is a cumulative increase of $53.72 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.<br> Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject loan closed with an LTV of xx that exceeds the LTV threshold of Freddie Mac for xx. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Property is Manufactured Housing (Lvl 2) "The home is affixed to the land. As per appraisal report located at xx. The affidavit of affixation document available in loan files at xx." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 79161369 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | Yes | 715 | Not Applicable | 49.554% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active liens or judgments have been found against the borrower or subject property.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx.<br> The annual county taxes for xxxx are due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%.<br>| Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx.<br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows the subject loan failed the QM points and fees test. Further details not provided. Infinity compliance result shows the loan failed QM points and fees test."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails qualified mortgage lending policy points and fees test due to fees charged $19,073.13 fees threshold $12,939.14 over by +$6,133.99.<br> The below fees were included in the test:<br> Document Preparation Fee paid by Borrower: $100.00 <br> Mortgage Insurance Premium paid by Borrower: $15,207.13 <br> Points - Loan Discount Fee paid by Borrower: $2,256.00 <br> Processing Fee paid by Borrower: $495.00 <br> Tax Monitoring Service Fee paid by Borrower: $70.00 <br> Underwriting Fee paid by Borrower: $945.00."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $19,073.13 exceeds fees threshold of $12,939.14 over by +$6,133.99. <br> The below fees were included in the test:<br> Document Preparation Fee paid by Borrower: $100.00 <br> Mortgage Insurance Premium paid by Borrower: $15,207.13 <br> Points - Loan Discount Fee paid by Borrower: $2,256.00 <br> Processing Fee paid by Borrower: $495.00 <br> Tax Monitoring Service Fee paid by Borrower: $70.00 <br> Underwriting Fee paid by Borrower: $945.00."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ComplianceEase TILA Test Failed (Lvl 2) "Finance charge disclosed on final CD as $367,748.34. Calculated finance charge is $367,851.14 for an under disclosed amount of -$102.80. Reason for finance charge under disclosure is unknown as the fee itemization is missing. The subject loan is a purchase, originated on xx/xx/2022 and the 1-year SOL is expired."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 49.55%, as the borrower's income is $7,006.00 and total expenses are in the amount of $3,471.76 and the loan was underwritten by DU (xx) and its recommendation is Approve/Eligible with a DTI of 49.55%." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 55246385 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 683 | Not Applicable | 29.410% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> There are two prior state tax liens against the BWR "xx.<br> There is a credit card judgment against the BWR "xx.<br> The first and second installments of county taxes for xxxx were paid in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx.<br> The RFD is not available in the collection comments. <br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape data, the subject property is owner-occupied. <br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Application<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "Tape shows appraisal report has deficiencies, and the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of xx. Comp xx, is closest to the subject property. xx search shows an estimated value of xx. Current UPB is $141K. Further details not provided." | \* Application Missing (Lvl 2) "Final application is missing from the loan document."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2021. LE dated xx/xx/2021 reflects Lender Credit at $633.00, Final CD dated xx/xx/2021 reflects Lender Credit at $567.45. This is decrease of $65.55 for fee which has 0% tolerance test. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | No Result | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 48021088 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 802 | 675 | 46.716% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens found.<br> The first installment of taxes for xxxx was paid on xx/xx/xxxx in the amount of $x,xxx.xx.<br> The second installment of taxes for xxxx was paid on xx/xx/xxxx in the amount of $x,xxx.xx.<br> As per the updated title report, no prior year taxes are delinquent. | According to the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date of payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which applied for xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date of payment is xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> As per the comment dated xx/xx/xxxx, the reason for default is medical issues.<br> As per the comment dated xx/xx/xxxx, the subject property is owner-occupied.<br> According to the servicing comment dated xx/xx/xxxx, the verbal dispute is identified in which the borrower disputed delinquent reporting. Further details not available.<br> Information regarding the damage and repair is not available in the latest servicing comments.<br> BWRx has xx.<br> BWRx has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock |  | 3: Curable |  | \* Compliance Testing (Lvl 3) "The tape shows the subject loan failed the QM and HPML test. Further details not provided. Infinity compliance result shows that the loan failed QM safe harbor and HPML tests."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan failed GSE (Fannie Mae public guidelines) QM APR test due to APR calculated 7.496% exceeds APR threshold of 7.450% over by +0.046%.<br>Loan failed qualified mortgage APR threshold test due to APR calculated 7.496% exceeds APR threshold of 7.450% over by +0.046%." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "Loan failed qualified mortgage safe harbor threshold test due to APR calculated 7.496% exceeds APR threshold of 6.700% over by +0.796%. Subject loan is escrowed."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.501% exceeds APR threshold of 6.700% over by +0.801%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed the MA 209 CMR 32.35 higher-priced mortgage loan test (MA 209 CMR 32.35) due to an APR calculated at 7.501% exceeds APR threshold of 6.700% over by +0.801%. The subject loan is escrowed."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 46.716%, as the borrower's income is $13,523.75 and total expenses are in the amount of $6,317.69 and the loan was underwritten by DU (xx) and its recommendation is approve/eligible with a DTI of 46.72%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 86355997 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 31.969% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xxx.<br> No active judgments or liens have been found.<br> Annual combined taxes for the year xxxx were paid on xx/xx/xxxx in the amount of $x,xxx.xx.<br> Annual school taxes for the year xxxx were paid on xx/xx/xxxx in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per payment history is $xxx,xxx.xx. | Collections Comments:According to servicing comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per payment history is $xxx,xxx.xx.<br> As per the comment dated xx/xx/xxxx, the reason for default is curtailment of income.<br> As per the comment dated xx/xx/xxxx, the subject property is owner-occupied.<br> The post-closing details regarding the foreclosure and bankruptcy have not been found.<br> As per tape data, the subject property is owner occupied. CCs do not show any damage.<br> The xx.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Report | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "Tape shows appraisal report has deficiencies, and the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of xx. Comp xx, is closest to the subject property. xx search shows an estimated value of xx. Current UPB is $242K. Further details not provided." | \* Missing credit report (Lvl 2) "The credit report is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 32100677 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Delaware | xx | xx | xx | Delaware | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 91.728% | 91.728% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 733 | Not Applicable | 45.778% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xxx.<br> No active judgments or liens have been found.<br> Annual utility, combined, and city taxes for xxxx were paid in the amount of $x,xxx.xx.<br>| According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx, and the rate of interest is x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> The loan has not been modified since origination.<br> No bankruptcy-related details have been found.<br> No foreclosure activity has been found.<br>BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing Initial LE<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report in the loan file is as-is. Photo addendum of the appraisal report shows the basement has missing false ceiling blocks and noted water stains and dampness and unsecured steps at the enclosed porch. The estimated cost to cure is not available in the loan file. xx is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails QM lending policy points and fees test due to fees charged $12,250.00 exceeds fees threshold of $11,297.72 over by +$952.28. <br> The below fees were included in the test:<br> Mortgage Insurance Premium $7,344.00<br> Points - Loan Discount Fee paid by Borrower: $3,411.00<br> Processing Fee paid by Borrower: $745.00<br> Underwriting Fee paid by Borrower: $750.00"<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $12,250.00 exceeds fees threshold of $11,297.72 over by +$952.28. <br> The below fees were included in the test:<br> Mortgage Insurance Premium $7,344.00<br> Points - Loan Discount Fee paid by Borrower: $3,411.00<br> Processing Fee paid by Borrower: $745.00<br> Underwriting Fee paid by Borrower: $750.00"<br> \* Intent to Proceed Missing (Lvl 3) "Intent to proceed is missing from the loan documents."<br> \* Missing Initial LE (Lvl 3) "Initial loan estimate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "List of service providers disclosure is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 45.77%. Tape shows tax returns are missing, and the lender omitted debt without supporting documents. Further details not provided. Lender defect. Subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has xx.<br> \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed TILA finance charge test. Finance charge disclosed on final CD as $376,560.16. Calculated finance charge is $376,804.07 for an under disclosed amount of -$243.91. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is purchase case, originated on xx/xx/2022 and the 1 year SOL is expired."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "ComplianceEase TRID tolerance test is incomplete due to the initial LE missing from the loan documents. Subject loan is purchase case, originated on 0xx/xx/2022 and 1-year SOL has expired."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 47.38%, as the borrower's income is $6,463.00 and total expenses are in the amount of $3,062.40. The loan was underwritten by DU (xx) and its recommendation is approve/eligible with a DTI of 47.38%." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 81492744 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.??% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 786 | Not Applicable | 45.298% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens were found. <br> The annual county taxes for xxxx are due in the amount of $x,xxx.xx on xx/xx/xxxx. <br> The annual city taxes for xxxx were paid in the amount of $ x,xxx.xx on xx/xx/xxxx.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx. <br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br>According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> The reason for default is not available.<br>No evidence has been found regarding the current/prior foreclosure proceedings.<br>As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br>The current occupancy status is not available in the collection comments. <br> BWR has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan is NOO and was approved at 45.30%. Tape shows undisclosed debt with a monthly payment of $879 and there were paystub inconsistencies. Revised DTI is 46.40%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has xx. |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 80231632 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | South Carolina | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 658 | Not Applicable | 42.751% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for xxxx are due in the amount of $xxx.xx on xx/xx/xxxx.<br> The annual combined taxes for xxxx have been paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx and the interest rate is x.xxx%. The current UPB is $xx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx and the interest rate is x.xxx%. The current UPB is $xx,xxx.xx. <br> No bankruptcy and foreclosure evidence has been found.<br> Unable to confirm the current occupancy of the subject property. <br> No damage or repairs have been found. <br> BWR has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Missing Required Disclosures | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows a loan incorrectly reported to xx as a PIF. As per tape, the loan is performing. Further details not provided. According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2025." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase case, originated on xx/xx/2020, and the 1-year SOL has expired."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2019 does not reflect Appraisal Re-Inspection Fee. Final CD dated xx/xx/2020 reflects Appraisal Re-Inspection Fee at $175.00. This is an increase in fee of +$175.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/2020, and the 1-year SOL has expired.<br>Loan failed charges that in total cannot increase more than 10% tolerance test due to LE dated xx/xx/2019, which reflects the sum of Section C fees and Recording fee at $1,300.00. Final CD dated xx/xx/2020 reflects the sum of Section C and Recording fee at $1,616.00. This is a cumulative increase of +$186.00 for charges that in total cannot increase more than 10% test. Valid COC for the increase in fee is not available. The subject loan is a purchase case, originated on xx/xx/2020, and the 1-year SOL has expired."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 5.568% exceeds APR threshold of 5.160% over by +0.408%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.568% exceeds APR threshold of 5.160% over by +0.408%. The subject loan is escrowed."<br> \* Intent to Proceed Missing (Lvl 2) "Intent to proceed is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Settlement service providers disclosure is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 15042960 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | No | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 100.000% | 102.890% | Full Documentation | Yes | xx | xx | 26.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 709 | 723 | 37.704% | First | Final policy | Not Applicable | xxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> There is an active junior mortgage against the subject property in favor of xx.<br> There is a credit card judgment against xx.<br> The xst and xnd installments of combined taxes for xxxx were paid in the total amount of $xxx.xx on xx/xx/xxxx.<br> The xst installment of school taxes for xxxx was paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The xnd installment of school taxes for xxxx is due in the total amount of $x,xxx.xx on xx/xx/xxxx.<br> The xst and xnd installments of village taxes for xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the tape data, the property is owner-occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWRx has xx.<br> BWRx has xx.<br> BWRx has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report is as-is. The photo addendum of the subject shows the xx, and the shed requires painting. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect any escrow holdback amount."<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape shows income used for qualifying has exceeded the xx. Further details not provided." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 69382893 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | xx | xx | Rhode Island | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 67.778% | 67.778% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 730 | 725 | 46.309% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The xst and xnd installments of county taxes for xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%.The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected is $xxx,xxx.xx.<br> As per the comment dated xx/xx/xxxx, the reason for default is excessive obligations.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape data as of xx/xx/xxxx, the subject property occupancy is non-owner occupied.<br> BWRx has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of xx. Comp xx, is closest to the subject property. xx search shows an estimated value of xx." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan is NOO and was approved at 46.30%. Tape shows income was not properly documented and debts were not paid off at closing. Revised DTI is 95%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR1 has xx.<br>Downgrade to LVL2 based on PH." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 87432226 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Arkansas | xx | xx | xx | Arkansas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 88.000% | 88.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 782 | 756 | 37.049% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The annual installments of county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx, and the rate of interest is x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the RFD.<br> No bankruptcy-related details have been found.<br> No foreclosure activity has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br> BWR has xx.<br> BWRx has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "Tape appraisal report shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of xx. Comp xx, is closest to the subject property. xx search shows an estimated value of xx." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 75166833 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 783 | 801 | 36.295% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> There is a junior mortgage that was originated on xx.<br> The first and second installments of county taxes for xxxx were paid in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%.<br>| Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> The reason for the default is unable to be determined.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWRx has xx. <br> BWRx has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value ofxx. Comp xx, is closest to the subject property. xx search shows an estimated value of xx. | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflect points - loan discount fee. Final CD dated xx/xx/2021 reflects points - loan discount fee at $797.34. This is an increase in fee of $797.34 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2021 and the 1-year SOL is expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 27203434 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 76.923% | 76.923% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | No | 791 | Not Applicable | 43.251% | First | Final policy | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens found.<br> The first installment of borough taxes for xxxx was paid on xx/xx/xxxx in the amount of $x,xxx.xx.<br> The second installment of borough taxes for xxxx was paid on xx/xx/xxxx in the amount of $x,xxx.xx.<br> The third installment of borough taxes for xxxx is due on xx/xx/xxxx in the amount of $x,xxx.xx.<br> The fourth installment of borough taxes for xxxx is due on xx/xx/xxxx in the amount of $x,xxx.xx.<br> As per the updated title report, no prior year taxes are delinquent. | According to the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date of payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which applied for xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The UPB is $xxx,xxx.xx. | Collections Comments:According to servicing comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx. <br> The post-closing details regarding the foreclosure and bankruptcy have not been found.<br> No evidence related to the occupancy of the subject property has been found in the collection comments. CCs do not show any damage.<br>BWR has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  | Missing or error on the Rate Lock |  | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject was approved at 43.25%. The tape shows borrower income documentation is not acceptable by lender. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL will expire on xx/xx/2025. BWR has xx.<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 43.25%, the borrower's income is $8,333.33 and total expenses are in the amount of $3,604.28. Loan closed as manual underwriting." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 23356581 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 68.817% | 68.817% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 724 | Not Applicable | 49.318% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is currently xx month delinquent with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is collection.<br> According to the payment history as of xx/xx/xxxx, the borrower is currently xx month delinquent with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the servicing comment dated xx/xx/xxxx, the reason for default is unemployment.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> As per the comment dated xx/xx/xxxx, the forbearance plan began on xx/xx/xxxx and ended on xx/xx/xxxx.<br> According to servicing comments dated xx/xx/xxxx, the subject property was damaged, and the borrower intends to repair the property. The subject property was affected by a natural disaster. Further details are not provided.<br> As per servicing comment dated xx/xx/xxxx, the property is owner-occupied.<br> As per servicing comment dated xx/xx/xxxx, the subject property has been affected by natural disaster.<br> BWR xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows TRID violation due to LE issued after initial CD was issued. Further details not provided." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a purchase, originated on xx/xx/2023 and the 1 year SOL has expired."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx/xx/2023 reflects the sum of Section C fees and Recording fee at $2,257.00. CD dated xx/xx/2023 reflects the sum of Section C and Recording fee at $2,583.00. This is a cumulative increase of $100.30 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/2023 and the 1 year SOL has expired."<br> \* Missing Required Disclosures (Lvl 2) "Settlement service provider list is missing from the loan documents."<br> \* Property is Manufactured Housing (Lvl 2) "The home is affixed to the land. As per appraisal report located at xx. The affidavit of affixation document available in loan files at xx." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 12922378 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | No | Not Applicable | Not Applicable | 756 | 733 | 32.701% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The xst and xnd installments of county taxes for xxxx/xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is owner-occupied.<br> No information has been found stating the borrower's income was xx.<br> BWRx has xx.<br> BWRx has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Flood Certificate<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Tape shows incorrect appraisal was ordered. The lender documented an exterior-only inspection report with an appraised value ofxx. The appraisal report with the interior and exterior inspection of the property is missing from the loan file."<br> \* Missing Initial Closing Disclosure (Lvl 3) "Initial closing disclosure is missing from the loan documents." | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "Compliance ease TRID tolerance test is incomplete due to Initial CD is missing from loan documents. Subject loan is refinance case, originated on xx/xx/2020 and the 3-year SOL has expired."<br> \* Missing flood cert (Lvl 2) "Flood certification document is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 60506044 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | Second |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 86.487% | 86.487% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 630 | Not Applicable | 40.484% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> There is an active prior mortgage against the subject property in favor of xx.<br> There is an active junior mortgage against the subject property in favor of xx.<br> There is a civil judgment found against the borrower in favor of xx.<br> For Parcel xx<br> The xxxx county annual taxes are due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> For Parcel xx<br> The xxxx county annual taxes are due in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date of payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which applied for xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date of payment is xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> As per the seller's tape, the subject property is owner-occupied.<br> As per the comment dated xx/xx/xxxx, the subject property was damaged and a claim was filed. As per the comment dated xx/xx/xxxx, the check for the loss draft was received in the amount of $xx,xxx.xx. As per the comment dated xx/xx/xxxx, the check for the loss draft was received in the amount of $xx,xxx.xx. The estimated cost of repair is not available. As per the comment dated xx/xx/xxxx, the repairs had been completed.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock<br> Mortgage Insurance |  | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows loan is uninsurable due to multiple case numbers. The subject loan closed with case #xx. Further details not provided." | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "The TRID tolerance test is incomplete as the initial CD is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2021, and the SOL is 1 year."<br> \* MI, FHA or MIC missing and required (Lvl 2) "FHA mortgage insurance certificate is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 2) "Initial closing disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 40907398 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 100.000% | 100.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 675 | Not Applicable | 45.650% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | Not Applicable | x.xx% | xxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for xxxx is paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower has been one month delinquent with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB is $xx,xxx.xx. | Collections Comments:The current status of the loan is collections.<br> According to the payment history as of xx/xx/xxxx, the borrower has been one month delinquent with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xx,xxx.xx. <br> As per the comment dated xx/xx/xxxx, the RFD was loss of income. <br> No foreclosure activity has been found in the loan files.<br> No evidence of damage or repair has been found in the loan files.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the lender and borrower on xx/xx/xxxx. As per the modified term, the new principal balance was $xx,xxx.xx. The monthly P&I was $xxx.xx with an interest rate of x.xxx% beginning on xx/xx/xxxx and a maturity date of xx/xx/xxxx. There is no deferred or forgiven amount. |  | xx | 2: Acceptable with Warnings |  |  | \* TIL not hand dated (Lvl 2) "Final TIL is not hand dated by the borrower." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 94608144 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 701 | Not Applicable | 49.334% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active liens and judgments have been found.<br> The annual school and combined taxes for xxxx were paid in the amount of $xx,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> The annual school and combined taxes for xxxx were due in the amount of $x,xxx.xx on xx/xx/xxxx. <br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> The RFD is unable to be determined. <br> No foreclosure activity has been found in the loan files. <br> No evidence of damage or repair has been found in the loan files.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows PMI was cancelled due to nonpayment. Further details not provided." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 49.33%, as the borrower's income is $16,466.67 and total expenses are in the amount of $8,123.68 and the loan was underwritten by DU (xx) and its recommendation is Approve/Eligible with a DTI of 49.33%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 14474555 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 85.096% | 85.096% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 638 | 637 | 28.259% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The second installment of county taxes for xxxx is due in the amount of $xxx.xx on xx/xx/xxxx.<br> The first installment of county taxes for xxxx is paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower has been delinquent for one month, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx (PITI) and was applied to the due date of xx/xx/xxxx. The monthly P&I is $xxx.xx, and the interest rate is x.xxx%. The current UPB is $xx,xxx.xx. | Collections Comments:The current status is collection. <br> According to the payment history as of xx/xx/xxxx, the borrower has been delinquent for one month, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx (PITI) and was applied to the due date of xx/xx/xxxx. The monthly P&I is $xxx.xx, and the interest rate is x.xxx%. The current UPB is $xx,xxx.xx.<br> As per the comment dated xx/xx/xxxx, the RFD was curtailment of income. <br> No foreclosure activity has been found in the loan files. <br> No evidence of damage or repair has been found in the loan files.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the comment dated xx/xx/xxxx, the subject property is occupied by the unknown party. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows no inspection before closing. An appraisal report with an appraised value xx is available in the loan file. Further details not provided." | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) "The appraisal report reflects as-is conditions. The improvement section shows a roof leak over the rear foyer. Estimated cost to cure is $500.00. The updated 1004D/completion report is missing from the loan documents, and the final HUD-1 does not reflect the escrow holdback amount." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 91389706 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.188% | 98.188% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 748 | Not Applicable | 35.507% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens found.<br> The annual county taxes for xxxx are due on xx/xx/xxxx in the amount of $x,xxx.xx.<br> The annual city taxes for xxxx are due on xx/xx/xxxx in the amount of $x,xxx.xx.<br> As per the updated title report, no prior year taxes are delinquent. | According to the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date of payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which applied for xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date of payment is xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> As per the seller's tape, the subject property is owner-occupied.<br> The reason for default has not been mentioned in the latest collection comments.<br> BWR has xx.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure<br> Mortgage Insurance |  | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows loan is uninsured by FHA. Further details not provided." | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "TRID tolerance test is incomplete as the initial CD is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2020 and the 1-year SOL is expired."<br> \* MI, FHA or MIC missing and required (Lvl 2) "The mortgage insurance certificate is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 2) "The initial closing disclosure is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 27514862 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | ? | ? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 98.189% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 722 | Unavailable | 37.393% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The taxes are to follow.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the current occupancy status from CC.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> BWRx has xx.<br> BWRx has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the loan is uninsurable by FHA due to CU. Further details not provided." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "The xx requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "TRID tolerance test is incomplete due to initial CD is missing from the loan documents."<br> \* MI, FHA or MIC missing and required (Lvl 2) "FHA MI certificate is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 2) "Initial CD is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 33396894 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 54.545% | 54.545% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 737 | 759 | 48.967% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The annual county taxes for xxxx were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> No comments have been found stating the borrower's income xx.<br> BWRx has xx.<br> BWRx has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The appraisal report was subject to completion, and xx confirms that the subject property has been completed. Review of xx and the other sites shows land only with an estimated value of xx.<br>Tape shows subject loan does not meet seasoning period requirement for cash-out refinance. Further details not provided."<br> \* Property is xx(Lvl 3) "The home is affixed to the land. As per the appraisal report dated xx/xx/2024 located at xx. The updated title report dated xx/xx/2024 shows the subject property is a xx. The affidavit of xx, reflecting that the home is xx. The VIN/serial number mentioned on the affidavit is redacted. Downgraded to LVL3 based on overall affidavit." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 20657382 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Utah | xx | xx | xx | Utah | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 78.324% | 78.324% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | No | Not Applicable | No | 677 | 703 | 49.697% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active liens or judgments have been found against the borrower or subject property.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%.<br>| Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. <br> The loan has been modified on xx/xx/xxxx.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the comment dated xx/xx/xxxx, there is a credit dispute. <br> As per the comment dated xx/xx/xxxx, the reason for default is unemployment. <br> As per the comment dated xx/xx/xxxx, the subject property is owner occupied. <br> No comment pertaining to the damage to the subject property has been observed.<br> BWRx has xx. <br> BWRx has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made on xx/xx/xxxx between the borrower, "xx" and the lender, "xx" on xx/xx/xxxx. As per the modified terms, the new principal balance is $xxx,xxx.xx. The borrower agreed to pay the P&I of $x,xxx.xx and an interest rate of x.xxx% beginning on xx/xx/xxxx until the maturity date of xx/xx/xxxx.<br>| Flood Certificate<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing flood cert (Lvl 3) "Flood certificate is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject was approved at 49.69%. Tape shows BWR2 commission income miscalculation as the BWR does xx, and BWR1 has student loan debt omitted from the DTI calculation. The revised DTI is 72%. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has xx.<br>SOL expired; downgraded to LVL2."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is purchase case, originated on xx/xx/2022 and the 1-year SOL has expired."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 reflects Points - Loan Discount Fee at $6,356.00. CD dated xx/xx/2022 reflects Points - Loan Discount Fee at $8,910.00. This is an increase in fee of +$2,554.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2022 and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 49.697%, as the borrower's income is $9,667.00 and total expenses are in the amount of $4,804.21 and the loan was underwritten by LP (xx) and its recommendation is Accept with a DTI of 49.697%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 39714037 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ????.?? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 57.692% | 57.692% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 661 | Not Applicable | 30.131% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> There are six real estate tax liens in favor of xx.<br> There are three credit card judgments, xx.<br> The first installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual installments of county taxes for the xxxx supplemental have been delinquent in the total amount of $x,xxx.xx, which are good through xx/xx/xxxx. | According to the review of payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date of payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which applied for xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the review of payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date of payment is xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> The reason for default is unable to be determined from the latest collection comments.<br> As per the seller's tape, the subject property is owner-occupied.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock |  | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 30.13%. Tape shows undisclosed debt opened prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2021, and the 3-year SOL is expired. BWR has xx.<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 68629084 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 56.667% | 56.667% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 668 | Not Applicable | 49.170% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens found.<br> The first installment of county taxes for xxxx-xxxx was paid on xx/xx/xxxx in the amount of $x,xxx.xx.<br> The second installment of county taxes for xxxx-xxxx is due on xx/xx/xxxx in the amount of $x,xxx.xx.<br> As per the updated title report, no prior year taxes are delinquent. | According to the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date of payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which applied for xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The UPB is $xxx,xxx.xx. As per the comment dated xx/xx/xxxx, the borrower has made the payment of $xx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date of payment is xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> According to comment dated xx/xx/xxxx, the reason for default is excessive obligation.<br> According to comment dated xx/xx/xxxx, the subject property is owner occupied.<br> Borrower has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock |  | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject was approved at 49.17%. Tape shows lender did not update VOE as BWR switched jobs prior to closing. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has xx.<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 49.17%, as the borrower's income is $7,623.20 and total expenses are in the amount of $3,748.36 and the loan was underwritten by LP (xx) and its recommendation is Accept with a DTI of 49.17%." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 37910080 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | FHA | Fixed |  | Cash Out | 76.725% | 76.725% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 724 | 681 | 46.306% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/xxxx shows that the subject mortgage originated on xx.<br> There is a prior state tax lien against the borrower, in favor of the xx.<br> The xst and xnd installments of county taxes for xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.  | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No bankruptcy-related details have been found.<br> No foreclosure activity has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage. <br> BWRx has xx.<br> BWRx has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject loan is uninsurable as it was refinanced within 12 months, and the lender did not use the acquisition cost/price of prior transfer of xx. Lender used appraised value of xx and closed the subject loan at LTV/CLTV of xx. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "FHA mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Property is Manufactured Housing (Lvl 2) "Home is affixed to the land.<br> According to the appraisal report located at xx.<br> The ALTA 7 Endorsement is attached with the final title policy located at xx.<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 46.306%, as the borrower's income is $12,811.44 and total expenses are in the amount of $5,932.46, and the loan was underwritten by DU (xx), and its recommendation is Approve/Eligible with a DTI of 46.31%." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 63725350 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 691 | 726 | 39.788% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xxx.<br> There is prior civil judgment open against the borrower with xx. <br> The first and second installments of county taxes for xxxx are due in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx, respectively.<br> As per the updated title report, no prior year taxes are delinquent. | According to the review of payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date of payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which applied for xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is in collection.<br> According to the review of payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date of payment is xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> The tape defect shows covid forbearance. Further details not available.<br> As per the seller's tape, the subject property is owner-occupied.<br> The appraisal report is as conditions and photos addendum show the subject laundry room needs to be repainted. Estimate cost to cure is not available in the loan file. CC does not show damage.<br> BWRx has xx.<br> BWRx has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing Dicsloures<br> Missing or error on the Rate Lock |  | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report is as conditions and photos addendum show the subject laundry room needs to be repainted. Estimate cost to cure is not available in the loan file. The updated xx report is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* Loan does not conform to program guidelines (Lvl 3) "Seller tape shows xx." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a purchase case, originated on xx/xx/2020 and the 1-year SOL has expired."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2019 reflects appraisal fee at $900.00. Final CD dated xx/xx/2020 reflects appraisal fee at $1,125.00. This is an increase in fee of $225.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2020 and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "The home loan toolkit is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 70640905 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 50.000% | 50.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | PUD | Not Applicable | xx | Secondary | Yes | Yes | No | 791 | 801 | 39.306% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The xst installment of county taxes for xxxx has been paid in the amount of $xxxx.xx on xx/xx/xxxx.<br> The xnd installment of county taxes for xxxx is due in the amount of $xxxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per tape data is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per tape data is $xxx,xxx.xx.<br> The reason for the default is not available.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No modification or forbearance details are available in recent collection comments.<br> No information has been found related to damage or repairs.<br> Unable to determine the occupancy of the subject property. <br> BWR has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial xxxx_Application<br> Missing Required Disclosures<br> Origination Appraisal<br> Transmittal (xxxx) | xx | 3: Curable |  | \* Missing Appraisal (Lvl 3) "The appraisal report is missing from the loan documents. Realtor search shows an estimated value xx. Current UPB is xx. Elevated for client review."<br> \* Missing Initial 1003_Application (Lvl 3) "Initial application signed by loan originator is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Home loan toolkit is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "The tape shows the loan is unsalable due to unfinished pool and landscaping. Seller notes shows this has been cured. Further details not provided. Realtor search shows an estimated value at xx."<br> \* Transmittal (1008) is Missing (Lvl 3) "Final transmittal summary is missing from the loan documents. Available 1008 is post close." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 39.306%. The tape shows P&L used is unacceptable, and the revised DTI is over 40%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has been xx.<br>Downgrade to LVL2 based on PH."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a purchase, originated on xx/xx/2022 and the SOL 1 year has expired."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflects Points - Loan Discount Fee $4,875.00 and Appraisal Fee $700.00. Final CD dated xx/xx/2022 reflects Points - Loan Discount Fee $6,650.00 and Appraisal Fee $725.00. This is an increase in fee of $1,800.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/2022 and the SOL 1 year has expired." |  | Moderate | Not Covered | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 8776094 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 633 | Not Applicable | 32.584% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> There are two UCC financing statements open against the borrower in favor of xx. <br> The first installment of county taxes for xxxx was paid on xx/xx/xxxx in the amount of $x,xxx.xx.<br> The second installment of county taxes for xxxx is due on xx/xx/xxxx in the amount of $x,xxx.xx.<br> As per the updated title report, no prior year taxes are delinquent. | According to the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date of payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which applied for xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date of payment is xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> As per the seller's tape, the subject property is owner-occupied.<br> BWRx has xx.<br> BWRx has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock |  | 3: Curable |  | \* Compliance Testing (Lvl 3) "The tape shows the loan has failed the QM price-based limit test. Infinity compliance results show that the loan failed the higher-priced mortgage loan test. Further details not provided." | \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.115% exceeds APR threshold of 6.570% over by +0.545%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed the CA AB 260 higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.115% exceeds APR threshold of 6.570% over by +0.545%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 39230663 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Virginia | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.535% | 85.535% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 683 | Not Applicable | 31.449% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> There is a UCC lien found against the subject property in favor of xx.<br> The xst and xnd installments of county taxes for xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property has been occupied by the owner.<br> Loan was not modified since origination.<br> BWR has xx. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Missing Required Disclosures | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "Loan failed ComplianceEase delivery and timing test for Initial CD dated xx/xx/2022. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2022 and the initial closing disclosure receipt date is less than three business days before the consummation date xx/xx/2022."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counseling organizations disclosure is missing from loan documents."<br> \* Intent to Proceed Missing (Lvl 3) "Intent to proceed is missing from loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows missing or incorrect information in the loan documentation. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "List of service providers disclosures is missing from loan documents." |  |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 52734717 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 790 | 747 | 49.990% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for xxxx-xxxx is paid on xx/xx/xxxx in the amount of $xxx.xx.<br> The second installment of county taxes for xxxx-xxxx is due on xx/xx/xxxx in the amount of $xxx.xx.<br> No prior year's delinquent taxes have been found.  | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI) and was applied to the due date of xx/xx/xxxx. The monthly P&I is $x,xxx.xx, and the interest rate is x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status is performing. <br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI) and was applied to the due date of xx/xx/xxxx. The monthly P&I is $x,xxx.xx, and the interest rate is x.xxx%. The current UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br>BWR has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing DU/GUS/AUS<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at xx. Tape shows miscalculation of student loan debt and the revised DTI is 51.33%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR has xx. | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) "AUS report is missing from the loan documents. Post close AUS is available in the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 75447857 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 64.833% | 64.833% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 770 | 766 | 41.317% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for xxxx was paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx is due in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx‬.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed initial LE estimate delivery and timing test. Initial LE dated xx/xx/2024 delivered on xx/xx/2024 which is more than 3 business days from initial application date xx/xx/2024."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 41.31%. Tape shows BWR was not employed at the time of closing. Further details not provided. BWR defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR has xx. |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 11136951 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 42.593% | 42.593% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 723 | 795 | 46.907% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx.<br> No active liens and judgments have been found against borrower and property.<br> The second installment of town taxes for xxxx is due in the amount of $x,xxx.xx.<br> The first installment of town taxes for xxxx was paid in the amount of $x,xxx.xx.<br> Annual town taxes for the year xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The last payment was received on xx/xx/xxxx, which was applied for the due date of xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is $x,xxx.xx and PITI is $x,xxx.xx. The UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The last payment was received on xx/xx/xxxx, which was applied for the due date of xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is $x,xxx.xx and PITI is $x,xxx.xx. The UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per seller's tape data the subject property is owner occupied.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding damage. <br> BWRx has xx.<br> BWRx has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure<br> Missing Dicsloures<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock |  | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 46.90%. Tape shows income miscalculation as lender did not include xx loss. Further details not provided. Review shows the revised DTI is over 100%. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has xx. | \* ComplianceEase State Regulations Test Failed (Lvl 3) "The loan failed the state regulation for the prohibited fees test. The following fees were included in the test:<br> Attorney's Fees paid by Seller: $1,410.00<br> Condo dues paid by Borrower: $2,935.00<br> Real Estate Commission paid by Seller: $21,600.00<br> Real Estate Transaction fee paid by Seller: $500.00<br> Title - Flood determination fee paid by Borrower: $15.00<br> Title - Tax Cert Fee paid by Borrower: $45.00<br> Title CPL paid by Borrower: $75.00."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) "The TRID tolerance test is incomplete as the initial CD is missing from loan documents. The subject loan is a purchase, originated on xx/xx/2024, and the SOL is 1 year."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counseling organizations disclosure is missing from loan documents."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) "Initial escrow disclosure is missing from the loan documents."<br> \* Intent to Proceed Missing (Lvl 3) "Intent to proceed is missing from loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3) "Initial closing disclosure is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from loan documents."<br> \* Missing Required Disclosures (Lvl 3) "List of service providers disclosure is missing from loan documents." |  |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 69264384 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 773 | 773 | 36.337% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active liens and judgments have been found.<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual city taxes for xxxx were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> The reason for the default is not available.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br>BWRx has xx. <br> BWRx has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "The tape shows the subject xx project became unwarrantable. Subject is a unit in the xx. Further details not provided. xx search shows an estimated value of xx." |  |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 56453026 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Missouri | xx | xx | xx | Missouri | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 721 | 798 | 49.882% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens were found. <br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx. <br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx. <br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination. <br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "Appraisal report is as is, and the photos addendum shows missing siding at the rear of the subject property and repairs done for the settlement cracks. The estimated cost to cure is not available in the loan file. xx is missing from the loan documents for missing siding, and the final CD does not reflect any escrow holdback amount. Engineer's certificate by a licensed professional verifying the structural integrity of the subject property is missing from the loan documents."<br> \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 49.88%. Tape shows income miscalculation due to inconsistent and fluctuating hours. Revised DTI is 55%. Further details not provided. Lender defect. Subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has xx. | \* ComplianceEase State Regulations Test Failed (Lvl 3) "Loan failed state regulations prohibited fees test due to the inclusion of the below fees charged to the borrower;<br>Administration Fee paid by Borrower: $495.00<br> Fixed Loan Fee paid by Borrower: $795.00<br> Verification Fee paid by Borrower: $74.00" |  |  | Moderate | Pass | Pass | Pass | Not Covered | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 3681984 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 810 | 811 | 49.639% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> There are x active IRS liens against xx.<br> The xnd installment of county taxes for the year xxxx is due in the amount of $x,xxx.xx.<br> No prior year's taxes have been found delinquent. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br>| Collections Comments:The loan is currently performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> The post-closing details regarding the foreclosure and bankruptcy have not been found.<br> No details pertaining to the damage to the subject property have been observed. <br> BWRx xx. <br> BWRx xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2024 reflects Points - Loan Discount Fee at $7,016.00. Final CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $7,701.46. This is an increase in fee of +$685.46 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2024 and the 1-year SOL is active." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan approved at xx used asset depletion on xx assets in order to qualify the BWR. Revised DTI without the asset depletion is xx. Lender defect. Subject originated 11/4/24 and the 3 year SOL is active. BWRs receive xx.<br>Downgrade to LVL2 based on PH." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 15925711 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Dakota | xx | xx | xx | North Dakota | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 70.000% | 70.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 19.680% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. No active liens or judgments have been found against the borrower or subject property. The first and second installments of county taxes for xxxx/xxxx are due in the amount of $xxx.xx on xx/xx/xxxx and xx/xx/xxxx. The water/sewer charges are due in the amount of $xxx.xx on xx/xx/xxxx. No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx and the interest rate is x.xxx%.<br>| Collections Comments:The loan is currently performing. According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The loan has not been modified. The foreclosure was not initiated. The borrower did not file bankruptcy. As per the seller's tape, the subject property is owner occupied. The appraisal report in the loan file is "xx". As per the seller's tape and the subject photo addendum shows the property needs repairs for flooring replacement and needs to paint the small bed. Appraisal report shows that the subject has excessive amounts of animal feces in the interior and garage. CCs do not show damage. Unable to determine whether the repairs have been completed.<br>BWR has xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Credit Report<br> Missing Initial Closing Disclosure | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "The appraisal report is as is, and the photo addendum shows the need for repairs for replacement of flooring and heating system, and an excessive amount of animal feces was noticed, posing a health and safety issue. An inspection report, or xx, is missing from the loan documents. The estimated cost of a cure for the flooring is xx."<br> \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan approved at 19%. Tape and file show BWR was approved with no credit history and no xx. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has xx. | \* Compliance Testing (Lvl 3) "Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $4,731.52 Exceed Fees threshold of $3,910.01 Over by +$821.51. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $3,086.52<br> Processing Fee paid by Borrower: $825.00<br> Underwriting Fee paid by Borrower: $770.00<br> Verification Fee paid by Borrower: $50.00"<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "ND Money Broker License Validation Test - <br> The ability to perform residential real estate lending activities under this license was repealed by SB 2090 (2023), with mandatory transition to the new Residential Mortgage Lender License by December 31, 2023."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) "TRID tolerance test is incomplete due to initial CD is missing from loan documents."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (xx) QM points and fees test due to Fees charged $4,731.52 Exceeds Fees threshold of $3,910.01 Over by +$821.51. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $3,086.52<br> Processing Fee paid by Borrower: $825.00<br> Underwriting Fee paid by Borrower: $770.00<br> Verification Fee paid by Borrower: $50.00"<br> \* Missing credit report (Lvl 3) "Credit report is missing from the loan document."<br> \* Missing Initial Closing Disclosure (Lvl 3) "Initial closing disclosure is missing from the loan documents." | \* ComplianceEase TILA Test Failed (Lvl 2) "TILA Finance charge disclosed on Final CD as $82,894.28. Calculated finance charge is $83,014.28 for an under disclosed amount of -$120.00.<br>Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year.<br>Subject loan is a purchase, originated on xx/xx/2024 and the 1-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 10104614 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Nevada | xx | xx | xx | Rhode Island | xx | xx | No | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 757 | 739 | 49.861% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. <br> No active liens or judgments have been found against the borrower or subject property.<br> The first and second installments of county taxes for xxxx were paid in the amount of $x,xxx.xx.<br> The fourth installment of county taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br>BWR was xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject was approved as xx. Tape shows lender did not verify BWR rental income on 3 other properties. Further details not provided. Lender defect. The subject originated on xx/xx/2024, and the 3-year SOL is active. BWR was xx. |  |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 44502892 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ??? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 790 | Not Applicable | 28.794% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. No active judgments or liens were found. The xxxx combined annual taxes were paid in the amount of $xxx.xx on xx/xx/xxxx. No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx. Unable to determine the occupancy of the subject property. No evidence has been found regarding the foreclosure proceedings. As per the PACER report, the borrower has not filed bankruptcy since loan origination. No information has been found related to damage or repairs. <br> BWR xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at xx. Tape shows insufficient assets. Bank statements in the file show xx. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. Post closing, BWR made xx." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 68959586 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | ?????.?? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 74.786% | 74.786% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 728 | Not Applicable | 48.544% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The combined & village taxes for xxxx-xxxx are delinquent in the amount of $xx,xxx.xx and are good through the dates of xx/xx/xxxx and xx/xx/xxxx.<br> The annual installment of town taxes for xxxx is paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual installment of village taxes for xxxx is paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual installment of town taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> Unable to determine the current condition and occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report reflects the as is condition, and the photo addendum shows chipping paint on the rear exterior wall of the subject property. Estimated cost to cure is not available in the loan file. Updated xx is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* Assets do not meet guidelines (Lvl 3) "Tape shows use of business asset towards closing is not acceptable as BWR only owned xx." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan is NOO and was approved at xx. Tape shows SE income miscalculation, and lender omitted monthly debt of $1,211 without supporting documents. Revised DTI is 56.05%. Further details not provided. BWR defect. Subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has been xx. |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 45235771 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Wyoming | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 765 | Not Applicable | 45.398% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The first installment of combined taxes for xxxx is paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The second installment of combined taxes for xxxx is due in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status is performing. <br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status.<br> BWR has xx.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report is as is, and the photo addendum shows vinyl floor damage. The estimated cost to repair is not available. The 1004D is missing from the loan file."<br> \* Assets do not meet guidelines (Lvl 3) "Tape shows a large deposit of xx Further details not provided. The subject loan originated on xx/xx/2024. BWR has xx."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Settlement date is different from note date (Lvl 2) "Final CD reflects closing date as xx/xx/2024. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2024. Note date is xx/xx/2024." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 7899777 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 706 | Not Applicable | 42.512% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx.<br> No active liens and judgments have been found against borrower and property.<br> The first installment of county taxes for xxxx was paid in the amount of $x,xxx.xx.<br> The second installment of county taxes for xxxx is due in the amount of $x,xxx.xx.<br> The water charges for xxxx have been delinquent in the amount of $xxx.xx which is due on xx/xx/xxxx. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The last payment was received on xx/xx/xxxx, which was applied for the due date of xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is $x,xxx.xx and PITI is $x,xxx.xx. The UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The last payment was received on xx/xx/xxxx, which was applied for the due date of xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is $x,xxx.xx and PITI is $x,xxx.xx. The UPB reflected as per the payment history is $xxx,xxx.xx. <br> As per comment dated xx/xx/xxxx, the RFD is excessive obligation.<br> As per comment dated xx/xx/xxxx, the subject property is owner occupied.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding damage.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape and review of the final CD show ixx on the loan exceeded the closing cost of xx, and reducing the sales price by the exact amount of exceeded IPC causes the LTV to increase to xx. Further details not provided." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2023 does not reflect Points - Loan Discount Fee. CD dated xx/xx/2023 reflects Points - Loan Discount Fee at $11,960.00. This is an increase in fee of $11,960.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase, originated on xx/xx/2023 and the 1-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 25549319 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | South Carolina | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 85.333% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | No | No | 741 | Not Applicable | 20.891% | First | Final policy | Not Applicable | xxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. <br> There is a junior mortgage against the subject property that was originated on xx. <br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx.<br> The water/sewer charges for xxxx are due in the amount of $xx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $xxx.xx and the interest rate is x.xxx%.<br>| Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the comment dated xx/xx/xxxx, the subject property is occupied by unknown.<br> No comment pertaining to the damage to the subject property has been observed.<br>BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock |  | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "The subject was approved as xx. Tape shows the subject is xx, as the BWR does not occupy the subject property. Further details not provided. Elevated for client review." | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "Subject purchase and sale was not an arms length transaction. xx. Appraisal shows xx. xx. BWR loan xx with a second lien of xx. Appears reasonable." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at xx. The tape shows the subject is NOO, as the BWR does not occupy the subject property, causing the lender to omit BWR primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has xx. |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 89891120 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nevada | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 4 Family | xx | xx | Investor | Yes | Yes | No | 696 | Not Applicable | 45.894% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The first, second, and third installments of county taxes for the year xxxx were paid on xx/xx/xxxx, xx/xx/xxxx, and xx/xx/xxxx in the total amount of $x,xxx.xx.<br> The fourth installment of county taxes for the year xxxx is due on xx/xx/xxxx in the amount of $xxx.xx.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per payment history is $xxx,xxx.xx. | Collections Comments:According to servicing comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> No information has been found related to damage or repairs.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> As per the tape data, the subject property is owner-occupied.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows that xx is not recognizing the xx in the initial submission. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 97181887 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 798 | Not Applicable | 39.495% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. <br> No active liens or judgments have been found against the borrower or subject property.<br> The first installment of town taxes for xxxx was paid in the amount of $x,xxx.xx.<br> The second installment of town taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx and the interest rate is x.xxx%.<br>| Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "The loan failed the state regulation for the prohibited fees test. <br> The following fees were included in the test:<br> HOA Initiation Fee paid by Borrower: $1,009.00<br> HOA Prorated Dues paid by Borrower: $506.00<br> HOA Transfer Fee paid by Borrower: $300.00<br> Real Estate Commission FEE paid by Seller: $13,530.00<br> Real Estate Commission Fee paid by Seller: $8,520.00<br> Title - Closing Protection Letter Fee paid by Borrower: $75.00<br> Title - Tax Cert Fee paid by Borrower: $53.00."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2024 reflects Points - Loan Discount Fee at $6,035.00. Final CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $7,818.69. This is an increase in fee of +$1,783.69 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/2024, and the 1-year SOL is active."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from loan documents."<br> \* Property Marketability Issues (Lvl 3) "Tape shows the subject loan is not salable to agencies as the subject condo project does not meet the budget reserves requirement for a full xx review. Further details not provided in xx. |  |  | Moderate | Pass | Pass | Pass | Pass | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 64346046 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | 76.498% | 76.498% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 625 | Not Applicable | 27.733% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. <br> No active liens or judgments have been found against the borrower or subject property.<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $xxx.xx and the interest rate is x.xxx%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "Loan failed compliance ease delivery and timing test for closing disclosure dated xx/xx/2024. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2024 which is after the consummation date xx/xx/2024."<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the subject loan does not meet HUD's adjusted value requirements, and BWR was xx.<br> \* MI, FHA or MIC missing and required (Lvl 3) "The mortgage insurance certificate is missing from the loan documents." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 39822507 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 61.702% | 61.702% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 809 | 809 | 36.846% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The first and second installments of city and county taxes for xxxx have been paid in the total amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/xxxx and the first payment is due on xx/xx/xxxx. According to payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to servicing comments, the current status of the loan is performing.<br> The loan was originated on xx/xx/xxxx and the first payment is due on xx/xx/xxxx. According to payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWRx xx.<br> BWRx has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows homebuyers education certification is missing from the loan documents. Further details not provided." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 97933610 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | Oregon | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 806 | 808 | 46.922% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for xxxx-xxxx was paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx-xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx, in the amount of $x,xxx.xx, which was applied to the due date of xx/xx/xxxx. The current interest rate is x.xxx%, and P&I is $x,xxx.xx. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No evidence has been found regarding the foreclosure proceedings.<br> CCs do not show damages.<br> According to a comment dated xx/xx/xxxx, the subject property is owner-occupied.<br> BWRx xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at xx. Tape shows debt miscalculation. The revised DTI is 59%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 receives social security, notes receivable installment, and pension income. BWR2 receives xx. |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 61778906 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 698 | 799 | 49.700% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> There is a UCC lien against the subject property in favor of xx. <br> The first and second installments of county taxes for the year xxxx/xxxx were paid on xx/xx/xxxx and xx/xx/xxxx in the total amount of $x,xxx.xx.<br> The first installment of county taxes for xxxx/xxxx is due on xx/xx/xxxx in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to servicing comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current P&I is $x,xxx.xx, and the current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the tape data, the subject property is owner-occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> No information has been found related to damage or repairs.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br>BWR has xx. <br> BWRx has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject was approved at xx. Tape shows declining xx and xx property. Revised DTI is 57.16%. Lender defect. The subject originated on xx/xx/2024, and the 3-year SOL is active. BWR has xx. | \* GSE Points and Fees Test Violations (Lvl 3) "Loan failed GSE (Freddie Mac public guidelines) points and fees test due to fees charged $10,678.00 exceed fees threshold of $9,676.78 over by +$1,001.22. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $9,183.00<br> Processing Fee paid by Borrower: $600.00<br> Underwriting Fee paid by Borrower: $895.00<br>Loan failed Qualified Mortgage Lending Policy points and fees test due to fees charged $10,678.00 exceed fees threshold of $9,676.78 over by +$1,001.22. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $9,183.00<br> Processing Fee paid by Borrower: $600.00<br> Underwriting Fee paid by Borrower: $895.00"<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 47799957 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 749 | Not Applicable | 49.696% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. <br> There is a UCC judgment against the borrower in favor of xx.<br> The first and second installments of county taxes for xxxx are due in the amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> The first and second installments of county taxes for xxxx were paid in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx and the interest rate is x.xxx%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at xx. Tape shows income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has 1 xx.<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by borrower is missing from loan documents." |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 2749149 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 757 | Not Applicable | 49.511% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> Annual combined taxes for the year xxxx were paid on xx/xx/xxxx in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per payment history is $xxx,xxx.xx. | Collections Comments:According to servicing comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per payment history is $xxx,xxx.xx.<br> As per the tape data, the subject property is owner-occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> No information has been found related to damage or repairs.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at xx. Tape shows there are xx. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has xx. | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 26832236 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | Second |  | ? | ????.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.188% | 98.188% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 727 | 703 | 23.370% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. <br> There is a prior mortgage against the subject property that was originated on xx. <br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx. <br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/xxxx with the first payment date of xx/xx/xxxx. According to the latest payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx and the interest rate is x.xxx%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. <br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWRx has xx.<br> BWRx has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject was approved at xx. Tape shows xx and acceptable (xx). Further details not provided. Removing the cannabis income the revised DTI is 74.02%. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has xx. | \* MI, FHA or MIC missing and required (Lvl 3) "FHA MI certificate is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 28488966 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 747 | 738 | 46.472% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.x% | xxxx.xx | xx/xx/xxxx | Financial Hardship | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> There is a UCC financing statement open against the borrower in favor of xx.<br> The first installment of county taxes for xxxx was paid on xx/xx/xxxx in the amount of $x,xxx.xx.<br> The second installment of county taxes for xxxx is due on xx/xx/xxxx in the amount of $x,xxx.xx.<br> No prior year taxes are delinquent. | According to the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date of payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which applied for xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date of payment is xx/xx/xxxx. The UPB is $xxx,xxx.xx.<br> The loan modification agreement was made on xx/xx/xxxx.<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> As per the comment dated xx/xx/xxxx, the reason for default was excessive obligations.<br> As per the seller's tape, the subject property is owner-occupied.<br> No evidence has been found for damage or repairs.<br> BWRx has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan modification agreement was made between the borrower and lender on xx/xx/xxxx. The new modified rate is x.xxx%, and the borrower promises to pay the P&I of $x,xxx.xx, which began on xx/xx/xxxx. The new principal balance is $xxx,xxx.xx. The maturity date is xx/xx/xxxx. | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The sellers tape data shows the loan was modified to 40 years with terms changing from due xx/xx/2023 with a maturity date of xx/xx/2050 to due 8/4/204 with a maturity of xx/xx/2064. The loan was modified on xx/xx/2024 with a maturity date of xx/xx/2064." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 46.47%. Tape shows undisclosed debt. The revised DTI is 54%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2020, and the 3-year SOL is expired. BWR1 has xx.<br> \* Compliance Testing (Lvl 2) "Loan failed Compliance Ease delivery and timing test for initial closing disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years which is expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 46.472%, as the borrower's income is $7,936.00 and total expenses are in the amount of $3,688.01 and the loan was underwritten by LP (xx) and its recommendation is 'Accept/eligible' with a DTI of 46.00%. The subject loan was originated on xx/xx/2020, and the 3-year SOL is expired." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 33837192 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 731 | Not Applicable | 39.513% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The xst and xnd installments of county taxes for xxxx were paid in the total amount of $xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows loan estimate and CD issued on the same day. Further details not provided. Infinity compliance result shows the loan failed the revised loan estimate delivery date test due to the revised loan estimate delivery dated xx/xx/2024, which is on the initial closing disclosure delivery dated xx/xx/2024."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx/xx/2024 does not reflect Appraisal Re-Inspection Fee. Final CD dated xx/xx/2024 reflects Appraisal Re-Inspection Fee at $200.00. This is an increase fee in the amount of +$200.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2024, and the 1-year SOL is active."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 64784696 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 61.165% | 61.165% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 724 | Not Applicable | 50.061% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. No active liens and judgments have been found. Annual county taxes for the year of xxxx were paid in the amount of $xxxx.xx. No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx. No evidence has been found regarding the current/prior foreclosure proceedings. As per the PACER report, the borrower has not filed for bankruptcy since loan origination. No information has been found regarding the forbearance plan. No information has been found related to damage or repairs. The occupancy of the subject property is unable to be determined. <br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan is NOO and was approved at 48.81%. Tape shows income misrepresentation as earnings on tax returns do not match with tax transcripts. Further details not provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has xx.<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 30230350 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | Yes | Yes | Not Applicable | Other |  | ?? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% | Unavailable |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 765 | Not Applicable | 49.120% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x.xxx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> There are multiple ECB liens found against the subject property in xx. <br> There is a state tax lien against the subject borrower in favor of xx.<br> The xst installment of county taxes for xxxx and xxxx charges is delinquent in the total amount of $xx.xx which was due on xx/xx/xxxx, xx/xx/xxxx and good through xx/xx/xxxx.<br> The xst, xnd, and xrd installments of combined taxes for xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx, xx/xx/xxxx and xx/xx/xxxx.<br> The xth installment of combined taxes for xxxx is due in the total amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual utilities/mud charges for xxxx have been delinquent in the amount of $x,xxx.xx which were due on xx/xx/xxxx and good through xx/xx/xxxx. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx and the deferred balance is $xx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> The loan was modified on xx/xx/xxxx.<br> As per the servicing comment dated xx/xx/xxxx, the reason for default is unemployment.<br> As per servicing comment dated xx/xx/xxxx, the subject property is owner occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per servicing comment dated xx/xx/xxxx, the borrower's income has xx.<br>Borrower has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower Chandra Khanna and lender PHH Mortgage Corporation with an effective date of xx/xx/xxxx shows the new modified unpaid principal balance is $xxx,xxx.xx. The deferred balance is $xx,xxx.xx and the interest bearing amount is $xxx,xxx.xx. The borrower agreed to pay the modified monthly P&I of $x,xxx.xx with a modified interest rate of x.xxx% starting on xx/xx/xxxx and continuing until the new maturity date of xx/xx/xxxx. There is no principal forgiven amount. | Missing or error on the Rate Lock<br> Transmittal (xxxx) | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "Subject was approved as OO. Tape indicates that the property is NOO due to misrepresentation as BWR never occupied the subject property. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 49.12%. Tape shows subject is NOO due to misrepresentation as BWR never occupied the subject property, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/2019, and the 3-year SOL is expired. Borrower has xx.<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2019 does not reflect the document preparation fee. The CD dated xx/xx/2019 reflects a document Preparation Fee at $995.00. The loan estimate dated xx/xx/2019 reflects points—loan discount fee at $8,064.00. CD dated xx/xx/2019 reflects points - loan discount fee at $12,117.94.<br> The loan estimate dated xx/xx/2019 reflects transfer taxes at $10,319.00. The CD dated xx/xx/2019 reflects transfer taxes at $11,633.58. This is a cumulative increase in fees of $6,363.52 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. A valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase. The subject loan was originated on xx/xx/2019 and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Home loan toolkit is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 49.120%, as the borrower income is $8,674.17 and total expenses are in the amount of $4,260.75 and the loan was underwritten by DU (xx) and its recommendation is "Approve/Eligible" with a DTI of 49.120%."<br> \* Transmittal (1008) is Missing (Lvl 2) "Final transmittal summary is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 43667522 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Wisconsin | xx | xx | xx | Wisconsin | xx | xx | No | Yes | Not Applicable | First |  | ????.?? | ????.? | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Commercial | Fixed |  | Cash Out | 68.627% | 68.627% | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 763 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. <br> No active liens or judgments have been found against the borrower or subject property.<br> The first and second installments of county taxes for xxxx were paid in the amount of $x,xxx.xx.<br> The first installment of county taxes for xxxx is delinquent in the amount of $x,xxx.xx, which is good through xx/xx/xxxx. | The loan was originated on xx/xx/xxxx with the first payment date of xx/xx/xxxx. According to the latest payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $xxx.xx and interest rate is x.xxxxx%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. <br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> The occupancy of the subject property is not available.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR xx. The subject loan was approved using xx. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance | xx | 3: Curable |  | \* DSCR is less than 1.00 (Lvl 3) "Net operating income is $13,440.00, annual payments are $17,554.92, and the debt service cover ratio (DSCR) is 0.77."<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the subject loan does not meet 6 month seasoning period requirements. Further details not provided."<br> \* Missing proof of hazard insurance (Lvl 3) "Hazard insurance policy is missing from the loan documents."<br> \* Required Documentation Missing or Incomplete (Lvl 3) "The subject loan approved using DSCR. Loan approval document is missing from the loan documents." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 71172870 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 753 | Not Applicable | 27.334% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The xxxx county annual taxes were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows internal QC of the subject loan revealed red flag findings. Further details not provided. Subject originated 7/26/22. Income recalculation is confirmed. xx."<br> \* Property is xx(Lvl 3) "The home is xx. As per the appraisal report located at xx, the subject property is a manufactured home. The affidavit of xx. The final title policy schedule B, located at xx." | \* Cash out purchase (Lvl 2) "The subject loan is a purchase case. The final CD dated xx/xx/2022 reflects cash to the borrower in the amount of $1,271.06."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the interest rate test due to the loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located.<br>This loan failed the brokerage/finder fee test due to the mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 7.791% exceeding the APR threshold of 7.380% over +0.411%. The subject loan is not escrowed.<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 7.777% exceeds APR threshold of 7.380% over by +0.397%."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 92103140 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 93.087% | 93.087% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 672 | 747 | 48.314% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The combined annual taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The UPB is $xxx,xxx.xx.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br>BWRx has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows the loan fails the QM points and fees test. Infinity compliance result shows that the loan failed the QM points and fees test." | \* GSE Points and Fees Test Violations (Lvl 2) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $13,503.00 exceeds fees threshold of $10,720.74 over by +$2,782.26. <br> The following fees were included in the test:<br> Mortgage Insurance Premium $12,348.00<br> Processing Fee paid by Borrower: $460.00<br> Underwriting Fee paid by Borrower: $695.00<br>Loan fails QM lending policy points and fees test due to fees charged $13,503.00 exceeds fees threshold of $10,720.74 over by +$2,782.26. <br> The following fees were included in the test:<br> Mortgage Insurance Premium $12,348.00<br> Processing Fee paid by Borrower: $460.00<br> Underwriting Fee paid by Borrower: $695.00"<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 48.314%, as the borrower income is $4,035.45 and total expenses are in the amount of $1,949.67 and the loan was underwritten by DU (xx) and its recommendation is approve/eligible with a DTI of 48.314%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 61403181 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 68.313% | 68.313% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 664 | 666 | 38.959% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual city taxes for xxxx were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> As per the tape data, the subject property is owner occupied.<br> No information has been found related to damage or repairs.<br>BWR has xx. <br> BWRx has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3) "Loan fails Brokerage/Finder fee test due to fees charged $6,895.20 exceeds fees threshold of $5,605.20 over by +$1,290.00. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $5,620.20<br> Processing Fee paid by Borrower: $580.00<br> Underwriting Fee paid by Borrower: $695.00"<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows internal QC of the subject loan revealed red flag findings. Further details not provided. Subject originated 11/27/22. ATR confirmed. BWR has been xx."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 96669807 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 60.000% | 60.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 734 | Not Applicable | 45.033% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments: The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The UPB is $xxx,xxx.xx.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> No comment pertaining to damage to the subject property has been observed.<br> According to the seller's tape data, the subject property is owner-occupied.<br> BWR has xx. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 45.03%. Tape shows lender omitted auto loan debt paid by business without supporting documents. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR has xx.<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2021 reflects Points - Loan Discount Fee at $192.00. CD dated xx/xx/2021 reflects Points - Loan Discount Fee at 502.83.<br> Loan estimate dated xx/xx/2021 reflects Transfer Taxes fee at $2074.00. CD dated xx/xx/2021 reflects Transfer Taxes fee at 2491.50<br> This is a cumulative increase in fee of 728.33 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 45.033%, as the borrower income is $6,063.54 and total expenses are in the amount of $2,730.59 and the loan was underwritten by DU (xx) and its recommendation is "Approve/Eligible" with a DTI of 45.033%%." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 14855989 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Missouri | xx | xx | xx | Missouri | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 88.160% | 88.160% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 635 | Not Applicable | 22.747% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. <br> No active liens or judgments have been found against the borrower or subject property.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xx,xxx.xx. The current P&I is $xxx.xx, and the interest rate is x.xxx%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The unpaid principal balance is $xx,xxx.xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Good Faith Estimate<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "Tape shows property value is not supported. Appraisal report shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of xx. xx search shows an estimated value of xx. | \* ComplianceEase State Regulations Test Failed (Lvl 2) "Loan fails Origination Fee First Lien Test due to fee charged $1,945.00 exceeds fee threshold of $1,102.00 over by +$843.00.<br> The below fee was included in this test:<br> Loan Origination Fee paid by Borrower: $1,945.00."<br> \* Good Faith Estimate missing or unexecuted (Lvl 2) "Final GFE is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 988077 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | No | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 93.750% | 93.750% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 690 | Not Applicable | 44.139% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for xxxx-xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx, respectively.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied to the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xx,xxx.xx.<br> The loan has not been modified since origination. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br> BWR has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report is as is, and the photo addendum shows the outbuilding is rusted, posing a safety issue and flaking paint on the exterior side of the subject property." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 44.13%. The tape shows the file is missing supporting documents to omit HELOC debt with a balance remaining of $1,822 as required in the AUS. Further details not provided. Lender defect. The subject loan originated on xx/xx/2016, and the 3-year SOL has expired. BWR has xx.<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2016. Initial LE dated xx/xx/2016 reflects Lender Credit at $2,488.00, post CD dated xx/xx/2016 reflects Lender Credit at 1,645.50. This is decrease of $842.50 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan originated on xx/xx/2016 and 3 year SOL is active."<br> \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 5.464% exceeds APR threshold of 5.130% over by +0.334%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.464% Exceeds APR threshold of 5.130% Over By +0.334%. Subject loan is escrowed."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 44.139%, as the borrower's income is $2,091.00, and total expenses are in the amount of $922.95. The loan was underwritten by DU (xx) and its recommendation is "Approve/Eligible" with a DTI of 44.14%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 64144580 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 69.683% | 69.683% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 670 | Not Applicable | 41.342% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The xst and xnd installments of county taxes for xxxx are due in the total amount of $x,xxx.xx on xx/xx/xxxx & xx/xx/xxxx.<br> The xnd installment of county taxes for xxxx was paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the servicing comment dated xx/xx/xxxx, the servicer deferred payments in the amount of $xx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> The borrower filed for bankruptcy under xx. The bankruptcy was discharged on xx/xx/xxxx and terminated on xx/xx/xxxx.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape, the subject property is owner-occupied.<br> BWR has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower xx. As per voluntary petition schedule D (xx), the amount of the claim without deducting the value of the collateral is xx. The unsecured portion is $x.xx. The POC (xx) was filed by the creditor xx. The approved xx plan was filed on xx/xx/xxxx and confirmed on xx/xx/xxxx. The borrower has promised to make a monthly mortgage payment of $xxx.xx for xx months to the trustee under the chapter xx plan. The bankruptcy was discharged on xx/xx/xxxx and terminated on xx/xx/xxxx. | Not Applicable | Initial xxxx_Application<br> Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 41.34%. Tape shows BWR's capacity to repay the subject mortgage, and all other obligations were not established. Revised DTI is 104%. Further details not provided. Lender defect. Subject loan originated on xx/xx/2017, and the 3-year SOL is expired. BWR has xx.<br> \* Missing Initial 1003_Application (Lvl 2) "Initial 1003 signed by loan originator is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 71184043 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | 88.430% | 88.430% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 687 | 677 | 34.958% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> There is an active junior mortgage against the subject property in favor of xx.<br> The combined annual taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xx%.The current UPB reflected as per the payment history is $xxx,xxx.xx.<br>| Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br>BWRx has xx. <br> BWRx has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial xxxx_Application<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject loan is uninsurable as it closed incorrectly as a refinance, and it should have closed as a purchase transaction as the subject property was xx. Further details not provided." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "Loan failed FHA QM Safe Harbor threshold test due to APR calculated 4.982% exceeds APR threshold of 6.503% under by -1.521%. Subject loan is escrowed."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the brokerage/finder fee test due to the mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. The initial LE dated xx/xx/2018 does not reflect Points - Loan Discount Fee. The final CD dated xx/xx/2018 reflects Points - Loan Discount Fee at $943.55. This is an increase in fee of +$943.55 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/2018 and the 3 years SOL is expired."<br> \* GSE Points and Fees Test Violations (Lvl 2) "Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $7,516.05 exceeds fees threshold of $6,934.99 over by +$581.06. The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $6,572.50<br> Points - Loan Discount Fee paid by Borrower: $943.55.<br>Loan fails Qualified Mortgage Lending Policy Points and Fees test due to fees charged $7,516.05 exceeds fees threshold of $6,934.99 over by +$581.06.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $6,572.50<br> Points - Loan Discount Fee paid by Borrower: $943.55."<br> \* MI, FHA or MIC missing and required (Lvl 2) "FHA mortgage insurance certificate is missing from the loan documents."<br> \* Missing Initial 1003_Application (Lvl 2) "Initial application signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Rebuttable Presumption - defined by loan findings (Lvl 2) "Loan failed FHA QM Rebuttable Presumption test due to fees charged $7,516.05 exceeds fees threshold of $6,934.99 over by +$581.06.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $6,572.50<br> Points - Loan Discount Fee paid by Borrower: $943.55." |  | Moderate | Pass | Pass | Pass | Pass | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 38116687 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 688 | 758 | 42.666% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> Annual county taxes for xxxx are paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year delinquent taxes have been found. | As per the payment history as of xx/xx/xxxx, the borrower is current, and the next payment is due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for xx/xx/xxxx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%. The UPB is $xxx,xxx.xx. | Collections Comments:The present status of the loan is performing.<br> As per the payment history as of xx/xx/xxxx, the borrower is current, and the next payment is due for xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per the seller tape, the subject property is owner-occupied.<br> No evidence for foreclosure and bankruptcy has been found.<br> No repairs and damages have been found.<br> BWRx has xx.<br> BWRx has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "Tape shows property value of xx is not supported as the xx, and the field review report and xx estimated the value at xx and , respectively. The appraisal report shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value xx. xx with a sales price of xx, is closest to the subject property. xx search shows an estimated value of xx. | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 75606622 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Not Applicable | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 91.513% | 91.513% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 800 | Not Applicable | 47.421% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. <br> No active liens or judgments have been found against the borrower or subject property.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%.<br> PH shows an additional payment in the total amount of $xx,xxx.xx in Jan-xx, Nov-xx, Dec-xx, Aug-xx, Oct-xx, and Nov-xx. CC shows the same amount paid by BWR. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR was xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject BWR was approved for a xx, which is not eligible. The BWR's work authorization permit card will expire on xx/xx/2023, and the subject loan closed on xx/xx/2022. Further details not provided. Subject originated 7/27/22. ATR confirmed. BWR has xx. | \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed TILA Finance Charge Test due to finance charge disclosed on Final CD as $4421,466.85. Calculated Finance charge is $423,889.63 for an under disclosed amount of $2,422.78. <br>This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))<br> The total of payments is $775,935.03. The disclosed total of payments of $773,712.25 is not considered accurate because it is<br> understated by more than $100 and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy.<br> Loan data is 773,712.25 and allowed $775,935.3. The variance is -$2,22.78.<br>Subject loan is a purchase, originated on xx/xx/2022 and the SOL is 1 year." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 67403414 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 810 | 804 | 32.252% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> For Parcel xx<br> The xxxx county annual taxes were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The xxxx city annual taxes were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> For Parcel xx<br> The xxxx county annual taxes were paid in the amount of $xx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the current status of occupancy.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "Tape shows property value is not supported. Appraisal report shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of xx. xx with a sales price of xx, is closest to the subject property. The realtor.com search shows an estimated value of xx." | \* ComplianceEase TILA Test Failed (Lvl 2) "Finance charge disclosed on Final TIL as $216,326.30. Calculated finance charge is $216,626.30 for an under disclosed amount of -$300.00."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Not Covered | Fail | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 1665308 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 76.178% | 76.178% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 748 | 748 | 44.127% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xxx.<br> No active judgments or liens were found.<br> The xxxx combined annual taxes were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape, the subject property is owner-occupied.<br> As per the servicing comment dated xx/xx/xxxx, the borrower's income has been impacted due to the Covid-xx pandemic.<br>BWRx has xx. <br> BWRx xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing DU/GUS/AUS | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 44.12%. Tape shows income miscalculation. Revised DTI is 60.61%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2014, and the 3-year SOL has expired. BWR1 has xx.<br> \* Intent to Proceed Missing (Lvl 2) "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 2) "AUS at closing is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 44.127%, as the borrower's income is $4,845.89, and total expenses are in the amount of $2,138.35. AUS at closing is missing from the loan documents. The subject loan originated on xx/xx/2014, and the 3-year SOL has expired." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 16766881 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 94.980% | 94.980% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 731 | Not Applicable | 47.465% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual city taxes for xxxx were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per tape data, the subject property is owner occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 47.46%. Tape shows BWR was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR has xx.<br> \* Cash out purchase (Lvl 2) "The subject loan is a purchase case. The final CD dated xx/xx/2021 reflects cash to the borrower in the amount of $2,610.97."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 47.46% as the borrower's income is $2,726.69 and total expenses are in the amount of $1,294.21 and the loan was underwritten by DU xx. |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 3736510 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Unavailable |  | Unavailable |  |  | Unavailable |  | Not Applicable | Single Family | Not Applicable | xx | Secondary | No | Not Applicable | Unavailable | Unavailable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The annual county taxes for xxxx were paid in the total amount of $xxx.xx on xx/xx/xxxx.<br> The annual city taxes for xxxx were paid in the total amount of $xx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br>| Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the occupancy of subject property.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR has xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Report<br> Flood Certificate<br> Hazard Insurance<br> Initial xxxx_Application<br> Initial Escrow Acct Disclosure<br> Missing Dicsloures<br> Missing DU/GUS/AUS<br> Missing Initial Closing Disclosure<br> Missing Initial LE<br> Missing or error on the Rate Lock<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Transmittal (xxxx) | xx | 3: Curable |  | \* Missing Appraisal (Lvl 3) "Appraisal report is missing from the loan documents.xx search shows an estimated value of xx. Current UPB is xx. | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Tape shows BWR was not employed at closing. Further details not provided. BWR defect. ATR could not be determined as 1008, AUS, and loan approval are missing from the loan documents. The subject loan originated on xx/xx/2020, and the 3-year SOL has expired. BWR has xx.<br> \* ComplianceEase TILA Test Failed (Lvl 2) "The loan failed the TRID total payment test as the calculated value of $284,603.33 exceeds the disclosed value of $284,328.33 by $275. The subject loan is a purchase transaction that originated on xx/xx/2020, and the 1-year TRID SOL has expired."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "The loan failed TRID tolerance test in incomplete as initial LE and CD are missing from the loan documents."<br> \* Homeowner's Counseling disclosure is missing. (Lvl 2) "Homeownership counseling disclosure is missing from the loan documents."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure signed by borrower is missing from the loan documents."<br> \* Intent to Proceed Missing (Lvl 2) "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing credit report (Lvl 2) "Credit report is missing from the loan file."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 2) "AUS/DU report is missing from the loan document."<br> \* Missing flood cert (Lvl 2) "Flood certificate is missing from the loan documents."<br> \* Missing Initial 1003_Application (Lvl 2) "Initial 1003 signed by loan originator is missing from the loan files."<br> \* Missing Initial Closing Disclosure (Lvl 2) "Initial CD is missing from the loan file."<br> \* Missing Initial LE (Lvl 2) "Initial LE is missing from the loan file."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing proof of hazard insurance (Lvl 2) "Hazard insurance policy is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Settlement services provider list is missing from loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer disclosure is missing from the loan documents."<br> \* Transmittal (1008) is Missing (Lvl 2) "Final transmittal summary is missing from the loan documents." |  | Moderate | Not Covered | Fail | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 76225032 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 776 | Not Applicable | 32.590% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active liens and judgments have been found.<br> Combined annual taxes for the year of xxxx were paid in the amount of $xxxx.xx on xx/xx/xxxx.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> BWR has xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "Subject approved as second home. Tape and file show subject is NOO. Elevated for client review." |  | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Not Covered | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 18155342 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 73.093% | 73.093% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Secondary | Yes | Yes | No | 770 | Not Applicable | 37.778% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The annual county taxes for xxxx are paid in the amount of $x,xxx.xx‬ on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%.The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> Unable to determine the occupancy of the subject property.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) "The tape shows the subject xx does not meet the xx, and the xx is currently doing xx. The review of the xx questionnaire does not reflect reserve budget information or any ongoing repairs of the project. xx search shows an estimated value of xx. Current UPB is xx. |  | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "TRID Violation due to decrease in lender credit on CD dated xx/xx/2022. Initial LE dated xx/xx/2022 reflects lender credit at 1260. Revised CD dated xx/xx/2022 reflects Lender Credit at 493.35. This is decrease of $766.6 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan document. Subject loan is refinance case, originated on xx/xx/2022 and the 3 year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Not Covered | Pass | Pass | Not Covered | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 59569001 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 240 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 49.526% | 49.526% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Investor | Yes | Yes | No | 798 | 813 | 41.653% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage originated on xx.<br> No active liens and judgments have been found.<br> The annual combined and city taxes for xxxx were paid on different dates in the total amount of $x,xxx.xx. No delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied to the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xx,xxx.xx. No foreclosure activity has been found. No post-close bankruptcy record has been found. As per the seller's tape data, the subject property was occupied by the tenant. CCs do not show any damage. BWRx has xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the subject loan closed with the same loan ID on the AUS submission that was reused from a prior loan. Further details not provided." | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) "Subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at xx. |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 23668793 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 764 | Not Applicable | 31.993% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. <br> No active liens or judgments have been found against the borrower or subject property.<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows homebuyer education certificate is not completed before closing. Further details not provided." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 35229657 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Mexico | xx | xx | xx | New Mexico | xx | xx | No | No | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 677 | Not Applicable | 39.416% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. <br> No active liens and judgments have been found against the borrower and subject property.<br> The xst installment of county taxes for xxxx-xxxx was paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The xnd installment of county taxes for xxxx-xxxx is due in the total amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found.<br>| According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx.The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%.The current UPB reflected as per the payment history is $xxx,xxx.xx.<br>| Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner occupied.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* Compliance Testing (Lvl 2) "Tape shows the loan fails the QM APR threshold test. Infinity compliance result shows that the loan failed the QM APR threshold test. The subject loan is escrowed."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "Loan failed Qualified Mortgage APR Threshold Test due to APR calculated 5.742% exceeds APR threshold of 5.100% over by +0.642%. Subject loan is escrowed. <br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $4,492.19 exceeds fees threshold of $4,374.24 over by +$117.95. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $995.00<br> Mortgage Broker Fee (Indirect) $3,497.19."<br> \* GSE Points and Fees Test Violations (Lvl 2) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $4,492.19 exceeds fees threshold of $4,374.24 over by +$117.95. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $995.00<br> Mortgage Broker Fee (Indirect) $3,497.19.<br>Loan fails GSE (Fannie Mae public guidelines) QM APR Test due to APR charged 5.742% exceeds APR threshold of 5.100% over by +0.642%."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 5.983% exceeds APR threshold of 4.350% over by +1.633%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.742% exceeds APR threshold of 4.350% over by +1.392%. Subject loan is escrowed."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property is Manufactured Housing (Lvl 2) "The home is affixed. As per the appraisal report located at xx. |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 33895961 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 789 | 811 | 48.515% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> Annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied to the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br> BWRx has xx.<br> BWRx has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Tape shows Fannie Mae requires asset depletion accounts to be in retirement accounts. Bank statements in the file show xx in checking and savings accounts and xx submitted in non-liquid liquid assets. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL will expire on xx/xx/2025. BWR1 has xx.<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is purchase case, originated on 0xx/xx/2022 and the 1 year SOL has expired."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 does not reflect Loan Origination Fee. CD dated xx/xx/2022 reflects Loan Origination Fee at +$5,002.00. This is an increase in fee of +$5,002.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on 0xx/xx/2022 and the 1 year SOL has expired."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 48.515%, as the borrower's income is $7,223.67 and total expenses are in the amount of $3,504.53 and the loan was underwritten by AUS/DU (xx) and its recommendation is Approve/Eligible with a DTI of 48.58%." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 30670129 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | 85.196% | 85.196% | Full Documentation | Yes | xx | xx | 25.000% | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 711 | 700 | 29.318% | First | Final policy | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> Annual county taxes for xxxx are due on xx/xx/xxxx in the amount of $xxx.xx.<br> Annual county taxes for xxxx were paid on xx/xx/xxxx in the amount of $xxx.xx.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> No information has been found related to damage or repairs.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> As per the tape, the subject property is occupied by the owner.<br> BWRx receives VA benefits, SSI, and pension income. BWRx receives SSI income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the loan does not meet VA seasoning period requirements. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 39227046 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Nebraska | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | DSCR | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 799 | 790 | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated onxx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for xxxx are due in the amounts of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied to the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the tenant. CCs do not show any damage.<br> Subject loan is NOO. BWR was qualified using the DSCR of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The subject loan is NOO and the tape shows the subject loan closed at an LTV of 80%, exceeding the guideline limit of LTV 75%. Further details not provided. Zillow search shows an estimated value of $200K. Current UPB $159K." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 11449265 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 706 | Not Applicable | 31.596% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied to the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the RFD.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br>BWR has been SE for x.xx years at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx/xx/2024 reflects recording fee at $60.00. Final CD dated xx/xx/2024 reflects recording fee at $335.00. This is a cumulative increase of $269.00 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2024 and the SOL is 1 year."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 31.59%. Tape shows SE income miscalculation. The revised DTI is 46.55%. Further details not provided. Lender defect. The subject loan was originated xx<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "Loan failed qualified mortgage safe harbor threshold test due to APR calculated 8.903% exceeds APR threshold of 8.260% over by 0.643%. Subject loan is escrowed."<br> \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.978% exceeds APR threshold of 8.260% over by 0.718%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). (HPML)."<br> \* Property is Manufactured Housing (Lvl 2) "As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "xx |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 47185490 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arkansas | xx | xx | xx | Arkansas | xx | xx | No | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 64.542% | 64.542% | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 628 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active liens or judgments have been found against the borrower or subject property.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx(PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> The occupancy of the subject property is not available.<br> No comment pertaining to the damage to the subject property has been observed.<br> Subject loan is NOO and was approved using DSCR.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Dicsloures | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject loan does not satisfy 6 months of PITI reserves as the subject loan closed with PITI reserves of 3.67. Tape and final CD reflect state tax lien of $1960 is paid off through subject transaction. Further details not provided."<br> \* Missing Required Disclosures (Lvl 3) "Loan approval is missing from loan documents." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 39781543 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | South Carolina | xx | xx | No | Yes | Not Applicable | First |  | ? | ? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | PUD | xx | xx | Primary | No | Not Applicable | No | 794 | Not Applicable | 32.686% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> No prior year's delinquent taxes have been found.<br> The taxes are to follow. | The loan was originated on xx/xx/xxxx, and the first payment date is xx/xx/xxxx. As per the payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx, and the current UPB is $xxx,xxx.xx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%. | Collections Comments:According to the servicing comments, the present status of the loan is performing.<br> The loan was originated on xx/xx/xxxx, and the first payment date is xx/xx/xxxx. As per the payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx, and the current UPB is $xxx,xxx.xx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%.<br> Unable to determine the current occupancy.<br> No evidence for foreclosure and bankruptcy has been found. <br> No evidence has been found for damage or repairs.<br> BWR has x years on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Flood Certificate<br> Missing Dicsloures<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock |  | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows TRID violation as the subject loan closed a day earlier than allowed and did not satisfy the 4-day waiting period from the delivery of LE and consummation date. Further details not provided. Infinity compliance result did not perform delivery and timing tests for LE as revised LE is missing from the loan documents."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) "TRID tolerance test is incomplete due to initial CD is missing from loan documents."<br> \* Missing flood cert (Lvl 3) "Flood certificate is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3) "Initial closing disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "List of service providers disclosure is missing from the loan documents."<br> \* Revised Loan Estimate is missing (Lvl 3) "Revised LE is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 96703207 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 70.000% | 70.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | Unavailable | xx | Investor | Yes | Yes | No | 769 | 807 | 43.669% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br>| Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> As per the notice of commencement located at xx. Further details are not provided.<br> As per tape data, the property is owner-occupied.<br>BWRx receives retirement income.<br> BWRx has x.x years on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The copy of the appraisal report is illegible as the pages of the appraisal are cut out at the edges. Zillow search shows an estimated value at $254K. Current UPB is $168K."<br> \* Compliance Testing (Lvl 3) "Tape shows the subject loan failed the QM points and fees test. The subject loan is NOO, and Infinity did not perform a regulatory compliance test." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 74439960 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 62.037% | 62.037% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 644 | 691 | 49.756% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The xst installment of county taxes for xxxx was paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The xnd installment of county taxes for xxxx is due in the total amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x.xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the occupancy of subject property.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br>BWRx has been SE for x.xx years at xx. <br> BWRx has been SE for x.xx years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance | xx | 3: Curable |  | \* Missing proof of hazard insurance (Lvl 3) "Hazard insurance policy is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved at 49.756%. Tape shows income miscalculation and the revised DTI is 55.1%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR1 has 5 years xx |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 98630584 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Yes | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 84.874% | 84.874% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | PUD | Not Applicable | xx | Primary | Yes | Yes | No | 814 | Not Applicable | 34.717% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx | x.xxx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There are two prior abstract judgments (civil judgments) against xx<br> There is a prior civil judgment against xx, in the amount of $x,xxx.xx, which was recorded on xx/xx/xxxx. The middle name mentioned in the supporting document is inconsistent with the subject borrower's middle name.<br> There are three HOA liens in favor of the xx, in the total amount of $x,xxx.xx, which were recorded on xx/xx/xxxx, xx/xx/xxxx, and xx/xx/xxxx. The property address and middle name mentioned in the supporting document does not match with the subject property address and borrower's middle name.<br> There is a prior UCC lien in favor of xx, which was recorded on xx/xx/xxxx. The situs address mentioned in the supporting document does not match with the subject property address.<br> The first and second installments of county taxes for the year xxxx were paid on xx/xx/xxxx and xx/xx/xxxx in the total amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was made on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied to the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the reason for the default of the borrower.<br> The loan was modified on xx/xx/xxxx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show damage.<br> BWR has x.xx years on the job as a xx<br> Foreclosure Comments:No foreclosure activity has been found. <br> Bankruptcy Comments:Not Applicable | The loan modification agreement was signed between the borrowers, "xx" with an effective date of xx/xx/xxxx. The modified UPB is $xxx,xxx.xx. The deferred balance is $xx,xxx.xx, and the interest-bearing principal balance is $xxx,xxx.xx. The borrower promised to pay the P&I in the amount of $x,xxx.xx with an interest rate of x.xxx% beginning from xx/xx/xxxx until the maturity date of xx/xx/xxxx. | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "Subject was approved as OO. The tape indicates that the subject is NOO, as BWR does not occupy the subject. Further details were not provided. Elevated for client review." |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) "The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at $512K. Current UPB: $311K."<br> \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan is OO and was approved at 34.71%. Tape shows BWR was not employed at closing and the subject is NOO as BWR does not occupy the subject, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/2020, and the 3-year SOL has expired. BWR has 2.75 years on the xx<br> \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed TILA finance charge test. Finance charge disclosed on final CD as $154,236.99. Calculated finance charge is $154,756.42 for an under disclosed amount of -$519.43. <br>Loan failed TILA Foreclosure Rescission Finance Charge test. Finance charge disclosed on final CD as $154,236.99. Calculated finance charge is $154,721.42 for an under disclosed amount of -$484.43."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 88964286 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ??????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 685 | Not Applicable | 44.886% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active liens and judgments have been found against the borrower and subject property. <br> The combined taxes for xxxx were paid in the amount of $xxx,xxx.xx on xx/xx/xxxx. <br> No prior year's delinquent taxes have been found. | As per the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI) which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> As per the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI) which was applied for the due date of xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination. <br> No information has been found related to damage or repairs. <br> As per the tape data, the subject property is owner-occupied. <br>BWR has x.xx years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 44.89%. The tape shows an issue with the stability of bonus income. Lender defect. Review agrees with lender calculations. Downgrading to LVL2. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 3.91 years on the xx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 80157634 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | Second |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ??.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 75.753% | 75.753% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 734 | Not Applicable | 44.788% | Second | Final policy | xxxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated on xx/xx/xxxx and recorded on xx/xx/xxxx in the amount of $xxx,xxx.xx with xx<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xx,xxx.xx. The current P&I is $xxx.xx, and the interest rate is xx.xxx%. | Collections Comments: The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The unpaid principal balance is $xx,xxx.xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner-occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has x.xx years on the job as a xx <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails compliance delivery and timing test for revised CD dated xx/xx/2024 and delivered on xx/xx/2024 which is after the consummation date xx/xx/2024."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "Loan fails Prohibited fees test due to fees charged $1,222.00 exceeds fees threshold of $0.00 over by $1,222.00. The below fees were included in the test Document Preparation Fee paid by Borrower: $225.00 Processing Fee paid by Lender: $995.00 Title Texas Guaranty Fee paid by Borrower: $2.00"<br> \* ComplianceEase TILA Test Failed (Lvl 3) "Finance charge disclosed on Final TIL as $135,396.54. Calculated finance charge is $135,501.54 for an under disclosed amount of -$105.00. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. <br>TILA Foreclosure Rescission Finance Charge Test due to finance charge disclosed on Final TIL as $135,396.54. Calculated finance charge is $135,466.54 for an under disclosed amount of $70.00. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. <br> Subject loan is refinance case, originated on xx/xx/2024 and the SOL is 3 years."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2024. Initial CD dated xx/xx/2024 reflects Lender Credit at $1,440.50, Final CD dated xx/xx/2024 reflects Lender Credit at $1,265.50 This is decrease of +175.00 for fee which has 0% tolerance test. Valid COC is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/2024 and the SOL is 3 years."<br> \* Home Equity Loan Copies of Documents is missing from the loan file (Lvl 3) "Home equity loan copies of documents is missing from the loan file."<br> \* Home Equity Loan Interest and Fees Pre-closing Disclosure is missing from the loan file (Lvl 3) "Home equity loan interest and fees pre-closing disclosure is missing from the loan file."<br> \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3) "Home equity loan notice of address for borrower notification of violation is missing from the loan file."<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the lender did not provide the appraisal valuation report within 3 business days prior to the consummation date. Further details are not provided. Subject loan was approved at 44.78%. Tape shows increased DTI of 45.82%. Review shows ATR confirmed."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Subject loan is a second lien and not escrowed. Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 10.651% exceeds APR threshold of 9.900% over by +0.751%. This loan is compliant with regulation 1026.35(b), (c) and (d). The first lien loan is escrowed. Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 10.651% exceeds APR threshold of 9.900% over by +0.751%. The first lien loan is escrowed." |  | Moderate | Pass | Fail | Pass | Pass | Fail | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 47458590 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 68.769% | 102.803% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 740 | 658 | 36.145% | First | Final policy | Not Applicable | xxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a junior mortgage active in favor of the xx<br> There is a junior mortgage active in favor of xx<br> There is a junior mortgage active in favor of the xx<br> County annual taxes for xxxx have been paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's taxes were found delinquent. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWRx receives social security and pension income.<br> BWRx receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Notice of Servicing Transfer | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3) "This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) "Compliance ease TRID tolerance test is incomplete due to Initial LE is missing from loan documents. Subject loan is a purchase case, originated on xx/xx/2024 and the SOL is 1 year."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject loan was repurchased as the loan was aged at 76 days which exceeded the investor deadline of 71 days. Further details not provided."<br> \* LTV / CLTV > 100% (Lvl 3) "Collateral value used for underwriting: $249,750.00. Amount of secondary lien(s): $85,000.00. Loan amount: $171,750.00. LTV / CLTV = 102.803%."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 3) "Notice of servicing transfer disclosure is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 31097065 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arkansas | xx | xx | xx | Arkansas | xx | xx | No | Yes | Not Applicable | Second |  | ? | ???.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.? | ?.?% | 120 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 113.280% | 113.280% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | No | 738 | Not Applicable | 33.483% | Second | Unavailable | xxxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a prior mortgage against the subject property in favor of xx<br> The annual county taxes for xxxx have been paid in the amount of $xxx.xx.<br> The annual county taxes for xxxx are due in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $x,xxx.xx. | Collections Comments:According to servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $x,xxx.xx.<br> As per the tape data, the subject property is owner-occupied.<br> No evidence has been found for foreclosure and bankruptcy.<br> No evidence has been found for damage or repairs.<br> BWR has x months on the job as an xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the loan was repurchased as the subject mortgage was aged more than 106 days, and all conditions were not cleared. All items are in the file. Further details are not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 35142105 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arkansas | xx | xx | xx | Arkansas | xx | xx | No | Yes | Not Applicable | Second |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.?% | 120 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 103.958% | 103.958% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | 721 | Not Applicable | 45.436% | Second | Unavailable | xxxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a prior mortgage against the subject property that originated on xx<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB is $xx,xxx.xx. | Collections Comments:The current status is performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xx,xxx.xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br>BWR has x.xx years on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject loan was repurchased as the investor did not receive the closing package within the required timeframe, and the loan is aged. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 31059726 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 754 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The combined annual taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> The appraisal report is subject to. As per the photo addendum located at xx, the subject property needs multiple repairs. The xxxxD located at xx. The tape defect shows the HOA has not repaired the damaged window at the property. There is no evidence to confirm the exact cost and current status of repairs. CCs do not show damages.<br> The occupancy of the subject property is unable to be determined.<br>The subject loan is NOO. BWR was qualified using the xx <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal shows damage to flooring, drywall and windows. Tape shows HOA did not fix damaged window. Final CD does not reflect the escrow holdback amount. Zillow search shows an estimated value of $150K. Current UPB $111K." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 26370143 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 717 | 734 | 48.558% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual school taxes for xxxx were paid in the amount of $x,xxx on xx/xx/xxxx.<br> The annual utilities/mud taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the servicing comment dated xx/xx/xxxx, the reason for default is excessive obligation.<br> As per servicing comment dated xx/xx/xxxx, the subject property is owner-occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> As per servicing comment dated xx/xx/xxxx, the subject property is located in disaster area. CCs do not show damage.<br> BWRx has x.xx years on the job as xx.<br> BWRx has x year on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows IPC (interested party contribution) of $22,500 exceeded the closing cost of $21,914.10, and reducing the sales price by the amount of overage, the LTV increases to 90.14%, which requires MI coverage that was not obtained at closing. Further details not provided." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 51351759 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Colorado | xx | xx | xx | Colorado | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 771 | Not Applicable | 12.473% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x.xx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a credit card judgment found against the borrower in xx<br> There are x civil judgment found against the borrower in favor of xx<br> The xnd installment of combined taxes for xxxx is due in the total amount of $xxx.xx on xx/xx/xxxx.<br> The xst installment of combined taxes for xxxx was paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the modification dated xx/xx/xxxx, the deferred amount is $xx,xxx.xx.<br>| Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the servicing comment dated xx/xx/xxxx, the reason for default is unemployment.<br> The loan was modified on xx/xx/xxxx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No evidence has been found regarding litigation and contested matters.<br> No information has been found related to damage or repairs.<br> As per the servicing comment dated xx/xx/xxxx, the subject property is owner-occupied.<br> As per servicing comment dated xx/xx/xxxx, the borrower accepts trial modification for the period of xx/xx/xxxx to xx/xx/xxxx.<br> As per servicing comment dated xx/xx/xxxx, the borrower's income is impacted by Covid-xx. FB plan was approved in the loan that began on xx/xx/xxxx and ends on xx/xx/xxxx.<br> BWR has x.xx years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower, xx, with an effective date of xx/xx/xxxx, shows the new modified unpaid principal balance is $xxx,xxx.xx and the deferred amount is $xx,xxx.xx. The interest-bearing amount is $xxx,xxx.xx. The borrower agreed to pay the modified monthly P&I of $x,xxx.xx with a modified interest rate of x.xx% starting on xx/xx/xxxx and continuing until the new maturity date of xx/xx/xxxx. There is no principal forgiven amount. |  | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3) "Tape and bank statement show the source of the large deposit of $6,323 could not be verified. Gift funds of $13,400 satisfy the cash-to-close requirement of $12,686. Further details not provided."<br> \* Loan does not conform to program guidelines (Lvl 3) "As per the seller tape, repurchased loan due to first payment default misrepresentation. Forbearance for the period of 3/2022 to 8/2022 and 11/2022 to 4/2023 and COVID asset modification trial plan for May to July. MOD's first payment date is xx/xx/2023 with the rate of 2.750%, and the maturity is xx/xx/2053 with a deferred balance of 13,595.57." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 12.47%. Tape shows undisclosed auto loan debt and two student loan debts opened prior to closing. Tape shows income and employment misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR has 2.58 years on the job as xx<br> \* Cash out purchase (Lvl 2) "The subject loan is a purchase case. The final CD dated xx/xx/2021 reflects cash to the borrower in the amount of $737.11." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 11724356 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 76.500% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 689 | Not Applicable | 49.491% | First | Final policy | Not Applicable | xxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated onxx<br> There is an active junior mortgage against the subject property in favor of 'xx<br> The combined annual taxes for xxxx are paid in the amount of $x,xxx.xx on xx/xx/xxxx. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied on xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx. <br> Unable to determine the occupancy of the subject property. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found. <br> No information has been found related to damage or repairs.<br> BWR has x month on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 49.49%. Tape shows income miscalculation over including OT that is not supported by a 12 month history. The revised DTI is 58.77%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has xx. Additionally, BWR has a xx | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase RESPA Test Failed (Lvl 3) "The loan failed the RESPA homeownership counseling organizations disclosure date test due to the homeownership counseling organizations disclosure date of xx/xx/2024 being more than 3 business days from the initial application date of xx/xx/2024."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "The initial loan estimate delivery date test failed due to the initial LE dated xx/xx/2024 and delivered on xx/xx/2024, which is more than 3 business days from the initial application date of 0xx/xx/2024. The written list of service providers disclosure date test fails due to the written list of service providers disclosure dated xx/xx/2024, which is more than 3 business days from the initial application date"<br> \* ComplianceEase TILA Test Failed (Lvl 3) "This loan failed the TILA finance charge test due to the finance charge disclosed on the final CD as $219,697.07. The calculated finance charge is $219,802.07 for an under-disclosed amount of -$105.00. The reason for the finance charge under disclosure is unknown as the fee itemization is missing. The subject loan is a purchase case, originated on xx/xx/2024, and the SOL is 1 year active."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed initial LE estimate delivery and timing test. The initial LE dated xx/xx/2024 was delivered on xx/xx/2024, which is more than 3 business days from the initial application date of xx/xx/2024."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Fail | Fail | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 75495172 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | Not Applicable | xx | Primary | Yes | Yes | No | 696 | 803 | 49.079% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The xst, xnd, and xrd installments of town taxes for xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx, xx/xx/xxxx, and xx/xx/xxxx.<br> The xth installment of town taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The xnd installment of utilities/MUD charges for xxxx is delinquent in the amount of $xxx.xx and good through xx/xx/xxxx.<br> The first installment of utilities/MUD charges for xxxx has been paid in the amount of $xxx.xx on xx/xx/xxxx. | According to the payment history as of xx/xx/xxxx, the borrower is currently xx month delinquent with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is collection.<br> According to the payment history as of xx/xx/xxxx, the borrower is currently xx month delinquent with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the servicing comment dated xx/xx/xxxx, the reason for default is unemployment.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No evidence has been found regarding the foreclosure proceedings.<br> The loan was modified on xx/xx/xxxx.<br> As per the servicing comment dated xx/xx/xxxx, the subject property is owner-occupied.<br> As per the servicing comment dated xx/xx/xxxx, the borrower's income is impacted by covid. As per the tape, the forbearance plan started from xx/xx/xxxx to xx/xx/xxxx.<br> BWRx has x years on the job as axx<br> BWRx has xx years on the job as an xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower and lender with an effective date of xx/xx/xxxx shows the new modified unpaid principal balance is $xxx,xxx.xx. The borrower agreed to pay the modified monthly P&I of $x,xxx.xx with a modified interest rate of x.xxx% starting on xx/xx/xxxx and continuing until the new maturity date of xx/xx/xxxx. |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 49.07%. Tape shows child support income used for qualification is not supported. Revised DTI is 52%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2020, and the 3-year SOL has expired. BWR1 has 6 years on the job as a xx<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 49.07%, as the borrower's income is $10,029.59 and total expenses are in the amount of $4,922.43. The loan was underwritten by LP (xx) and its recommendation is Accept with a DTI of 49.00%" |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 96088177 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Montana | xx | xx | xx | Montana | xx | xx | Not Applicable | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.? | ?.?% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 94.444% | 94.444% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 666 | Not Applicable | 42.732% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The xst installment of county taxes for xxxx was paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The xnd installment of county taxes for xxxx is due in the amount of $xxx.xx on xx/xx/xxxx.<br> For Parcel xx<br> The xst installment of county taxes for xxxx was paid in the amount of $xx.xx on xx/xx/xxxx.<br> The xnd installment of county taxes for xxxx is due in the amount of $xx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xx,xxx.xx‬.<br> Unable to determine the occupancy of subject property.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR has xx.xx years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 reflects Points - Loan Discount Fee at $952.00. CD dated 0xx/xx/2024 reflects Points - Loan Discount Fee at $1,051.88. This is an increase in fee of +$99.88 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows seller credit exceeded 3% allowed limit, and final CD reflects seller credit of $3,779, which is more than 3% of sales price. Further details not provided." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 55457130 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | Other |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | 76.038% | 76.038% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 583 | Not Applicable | 31.373% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There are xx fieri facias real estate tax liens found against the subject property in the total amount of $xxx.xx filed by xx<br> The annual combined taxes for xxxx were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The annual town taxes for xxxx are due in the amount of $x.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the servicing comment dated xx/xx/xxxx, the reason for default is casualty loss.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No modification or forbearance details are available in recent collection comments.<br> As per the servicing comment dated xx/xx/xxxx, there is a casualty loss on property. No comment has been found on date of loss, the estimated cost to repair the damages, and the completion of the repair.<br> As per tape data, the property is owner-occupied.<br> As per the servicing comment dated xx/xx/xxxx, the property is located in a FEMA disaster area.<br> BWR has x.xx years on the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 4: Unacceptable | \* Loan does not conform to program guidelines (Lvl 4) "Tape shows subject is a construction to permanent loan and is not modified to the permanent terms. Further details not provided. Elevated for client review." | \* MI, FHA or MIC missing and required (Lvl 3) "FHA mortgage insurance certificate is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 8.659% exceeding the APR threshold of 8.200% over +0.459%. The subject loan is escrowed.<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.369% exceeds APR threshold of 8.200% over by +0.169%. The subject loan is escrowed."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property is Manufactured Housing (Lvl 2) "The home is affixed to the land. As per the appraisal report located at xx, the subject property is a manufactured home. As per the updated title report dated xx/xx/2025, the certificate of permanent location for a manufactured home is located at xx |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 57515347 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | Second |  | ? | ???.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 715 | Not Applicable | 45.655% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a prior mortgage in favor of xx<br> County annual taxes for xxxx have been paid in the amount of $xxx.xx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xx,xxx.xx‬. | Collections Comments:According to the servicing comments, the present status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xx,xxx.xx‬.<br> As per the seller tape, the property is owner occupied. <br> No evidence for foreclosure and bankruptcy has been found. <br> As per the servicing comment dated xx/xx/xxxx, the property is located in FEMA disaster area. CCs do not show damage to the subject property."<br> BWR receives xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3) "Tape shows reserves were short to close by $2K. Bank statements in the file show $2K, and the final CD reflects BWR received cash in the amount of $11K. Further details not provided."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan failed. Qualified Mortgage Safe Harbor threshold test due to APR calculated at 8.701%. Exceeds APR threshold of 8.450% over by +0.251%. The subject loan is escrowed.<br>Loan failed. Qualified Mortgage Qualified Mortgage Lending Policy Points and Fees Test due to the fee calculated at $4,851.16, exceeding the fee threshold of $3,914.00 over by +$937.16. The below fees were included in the test: Lender Fee paid by Borrower: $1,629.00 Points—Loan Discount Fee paid by Borrower: $3,222.16"<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2024 reflects Points - Loan Discount Fee at $2,177.00. CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $3,222.16. This is an increase in fee of +$1,045.16 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a refinance, originated on xx/xx/2024 and the SOL is 3 years."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged $4,851.16 exceeds the fees threshold of $3,914.00 over by +$937.16. The below fees were included in the test: Lender Fee paid by Borrower: $1,629.00 Points—Loan Discount Fee paid by Borrower: $3,222.16"<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan is a second home and was approved at 45.65%. Tape shows lease agreement provided for primary residence was altered and there was undisclosed debt. The revised DTI is 55%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR receives xx |  | Moderate | Not Covered | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 24031746 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Second |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ??.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 84.727% | 84.727% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 701 | Not Applicable | 44.935% | Second | Short Form Policy | xxxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is an active prior mortgage against the subject property in favor of xx<br> The xst installment of county taxes for xxxx/xxxx was paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The xnd installment of county taxes for xxxx/xxxx is due in the total amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of xx.xxx%. The current UPB reflected as per the payment history is $xx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xx,xxx.xx.<br> As per the tape, the subject property is owner-occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br>BWR has x year on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows the subject loan was failing the high-cost test that has since been corrected and not within the allotted investor time. Post CD dated xx/xx/2024 was issued with a lender credit of $2,894.11. Infinity compliance result shows that the loan has passed the high-cost tests. Further details not provided."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 does not reflect HOA doc fees 2. Final CD dated xx/xx/2024 reflects HOA doc fees 2 at $529.95. This is an increase in fee of $529.95 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br> Subject loan is refinance case, originated on xx/xx/2024 and the SOL is 3 years.<br>Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx/xx/2024 reflects the sum of section C fees and recording fee at $115.00. Final CD dated xx/xx/2024 reflects the sum of section C and recording fee at $410.00. This is a cumulative increase of $283.50 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/2024 and the SOL is 3 years."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan failed GSE (Fannie Mae public guidelines) QM APR test due to APR calculated 11.538% exceeds APR threshold of 10.460% over by 1.078%." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 44.94%. The Lender did not include an auto payment in the DTI and the full 1st mortgage payment; recalculation results in a DTI of 55.74%. Further details not provided. Lender defect. Subject loan originated on 7/15/24, and the 3-year SOL is active. Borrower has been xx<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "Loan failed qualified mortgage APR threshold test due to APR calculated 11.538% exceeds APR threshold of 10.460% over by 1.078%.<br>Loan failed qualified mortgage safe harbor threshold test due to APR calculated 11.538% exceeds APR threshold of 10.460% over by +1.078%. Subject is second lien loan and is not escrowed."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 11.620% exceeds APR threshold of 10.460% over by +1.160%. The subject is second lien loan and is not escrowed.<br>Loan failed the CA AB 260 higher-priced mortgage loan test (CA AB 260, California Financial Code Division 1.9 4995(a)) due to an APR calculated at 11.620% exceeds APR threshold of 10.460% over by +1.160%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 73985725 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | No | Yes | Not Applicable | Second |  | ???.?? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 696 | Not Applicable | 48.111% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is an active prior mortgage against the subject property in favor of xx<br> The xst and xnd installments of town taxes for xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx & xx/xx/xxxx.<br> The xrd installment of town taxes for xxxx is delinquent in the total amount of $xxx.xx, which is good through xx/xx/xxxx.<br> The xth installment of town taxes for xxxx is due in the total amount of $x,xxx.xx on xx/xx/xxxx. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape, the subject property is owner-occupied.<br> BWR has x.xx years on the job as xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 48.11%. Tape and file show rental income and student debt miscalculations. Revised DTI is 78.28%. Further details not provided. Lender defect. Subject loan originated on 12/31/24, and the 3-year SOL is active. Borrower has been xx | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "Revised loan estimate delivery date and changed circumstances date test due to the fact that the creditor receives information sufficient to establish that a changed circumstance has occurred."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $16,494.50 exceeding the fees threshold of $14,314.48, over by +$2,180.02.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $14,800.50<br> Processing Fee paid by Borrower: $845.00<br> Underwriting Fee paid by Borrower: $849.00<br>Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged $16,494.50 exceeds the fees threshold of $14,314.48 over by +$2,180.02. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $14,800.50<br> Processing Fee paid by Borrower: $845.00<br> Underwriting Fee paid by Borrower: $849.00" |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 35599750 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | ????.?? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 98.189% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 694 | 628 | 49.695% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found. <br> The xst installment of county taxes for xxxx was paid in the amount of $x,xxx.xx on xx/xx/xxxx. <br> The xnd installment of county taxes for xxxx is delinquent in the total amount of $x,xxx.xx, which was due on xx/xx/xxxx and good through xx/xx/xxxx. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The loan is performing. According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx. As per the tape data, the subject property is owner-occupied. No evidence has been found regarding the current/prior foreclosure proceedings. As per the PACER report, the borrower has not filed for bankruptcy since loan origination. No evidence has been found for damage or repairs.<br>BWRx has x year on the job as axx BWRx has prior employment experience as axx<br> BWRx has x months on the job as xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows BWR's income exceeds the limit for DPA grant approval, and the loan is not eligible for the FHA as the lender of the DPA loan is not an approved lender. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "Mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 63990653 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.???% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | 91.473% | 91.473% | Full Documentation | Yes | xx | xx | 25.000% | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 741 | Not Applicable | 43.089% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xxNo active judgments or liens were found. The xxxx combined annual taxes were paid in the amount of $x,xxx.xx on xx/xx/xxxx. No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/xxxx, and the first payment date is xx/xx/xxxx. As per the review of the seller's tape data as of xx/xx/xxxx, the next due date is xx/xx/xxxx. As per the tape, the current P&I is $x,xxx.xx, and the interest rate is x.xxx%. The UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. The loan was originated on xx/xx/xxxx, and the first payment date is xx/xx/xxxx. As per the review of the seller's tape data as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The UPB is $xxx,xxx.xx. No evidence has been found regarding the current/prior foreclosure proceedings. As per PACER report, the borrower has not filed bankruptcy since loan origination. No information has been found regarding the forbearance plan. No information has been found related to damage or repairs. As per tape data, the property is owner-occupied.<br> BWR has x months on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject loan does not meet the seasoning period requirement of 210 days. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Not Applicable | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 2208067 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | 26.601% | 26.601% | Full Documentation | No | xx | xx | Unavailable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 637 | Not Applicable | 36.407% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated onxx<br> There is a prior civil judgment found against the subject borrower in favor of xx<br> The annual combined taxes for xxxx were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/xxxx, and the first pay date is xx/xx/xxxx. As per the seller's tape as of xx/xx/xxxx, the next due date is xx/xx/xxxx. As per the tape, the current P&I is $xxx.xx, and the interest rate is x.xx%. The UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> The loan was originated on xx/xx/xxxx, and the first pay date is xx/xx/xxxx. As per the seller's tape as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The UPB is $xxx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> BWR receives xx <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails Loan Origination Fee Test due to fees charged $2,131.51 exceeds fees threshold of $1,350.00 over by +$781.51. <br> The below fees were included in the test:<br> Document Preparation Fee paid by Borrower: $190.00<br> HOA Capitalization Fee paid by Borrower: $320.00<br> HOA Prepaid Assessments paid by Borrower: $423.51<br> HOA Transfer Fee paid by Borrower: $395.00<br> Settlement or Closing Fee paid by Borrower: $600.00<br> Tax Service Fee paid by Borrower: $69.00<br> Title Document Preparation Fee paid by Borrower: $85.00<br> Title Guaranty Fee paid by Borrower: $4.00<br> Title-Title Tax Cert Fee paid by Borrower: $45.00"<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2024 reflects the sum of Section C fees and Recording fee at $150.00. CD dated xx/xx/2024 reflects the sum of Section C and Recording fee at $184.00. This is a cumulative increase of +$19.00 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject loan is uninsured as bonus entitlement is available for loans greater than $144K and the subject loan amount is $135K. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "VA guaranty certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 47839814 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 788 | 766 | 49.092% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The xxxx combined annual taxes are exempted. No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx. As per tape data, the subject property is owner-occupied. As per the PACER report, the borrower has not filed for bankruptcy since loan origination. No evidence has been found for foreclosure. No evidence has been found for damage or repairs.<br> BWRx had x months on the job xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial xxxx_Application | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $12,561.83 Exceeds Fees threshold of $10,521.84 Over by +$2,039.99. The below fees were included in the test Closing Fee paid by Borrower: $300.00 Funding, Wire, or Disbursement Fee paid by Borrower: $175.00 Points - Loan Discount Fee paid by Borrower: $10,496.83 Processing Fee paid by Borrower: $795.00 Underwriting Fee paid by Borrower: $795.00"<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $12,561.83 Exceeds Fees threshold of $10,521.84 Over by +$2,039.99. The below fees were included in the test Closing Fee paid by Borrower: $300.00 Funding, Wire, or Disbursement Fee paid by Borrower: $175.00 Points - Loan Discount Fee paid by Borrower: $10,496.83 Processing Fee paid by Borrower: $795.00 Underwriting Fee paid by Borrower: $795.00"<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counseling disclosure is missing from loan documents."<br> \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "The subject loan was approved at 49.09%. File shows BWR was employed at closing. ATR at closing confirmed. Tape shows BWR was not employed after closing. The tape shows the post-closing DTI is 77.76%. At the time of closing, BWR1 xx<br> \* Missing Initial 1003_Application (Lvl 3) "Initial 1003 signed by loan originator is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Settlement services provider list is missing from loan documents." |  |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Not Applicable | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 41558848 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 670 | Not Applicable | 42.097% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active liens or judgments have been found against the borrower or subject property.<br> The annual county taxes for xxxx were paid in the amount of $xxx.xx.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx.<br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has been xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 42.097%. Tape shows amended tax returns reflect increased earnings that are not supported due to depreciation adjustment. Revised DTI is over 100%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been xx | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.222% exceeds APR threshold of 7.540% over by +0.682%.The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.184% Exceeds APR threshold of 7.540% Over By +0.644%. Subject loan is escrowed." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 58437871 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington D.C. | xx | xx | xx | Unavailable | xx | xx | No | Yes | Not Applicable | Second |  | ? | ? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 711 | Not Applicable | 46.582% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a water sewer lien against the subject property in the amount of $x,xxx.xx in favor of xx<br> The xnd installment of combined taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> There is are x expired city permits with permit # xx against the subject property.<br> No prior years taxes have been found delinquent. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x years on the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape and review of the file show the loan failed the TRID tolerance test and did not meet the 3-day delivery and timing test for the closing disclosure issued on xx/xx/2021, and the subject loan closed on xx/xx/2021. Infinity did not perform a regulatory compliance test as the subject loan is NOO. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 78938505 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Alaska | xx | xx | xx | Alaska | xx | xx | No | Yes | Not Applicable | Second |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 744 | Not Applicable | 48.989% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is an active prior mortgage against the subject property in favor of xx<br> The first and second installments of county taxes for the year xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> BWR has xx.xx years on the xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Right of Rescission | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "Tape shows expired appraisal and escrow holdback of $8K approved for exterior painting, which will not be completed until next May or June due to weather. 1004D dated xx/xx/2022 shows painting work completed. The subject loan originated on xx/xx/2022 was too aged for sale."<br> \* Loan has escrow holdback. No proof it was released (Lvl 4) "Final CD dated xx/xx/2022 reflects escrow holdback in the amount of $8,799.00. Proof for release of escrow holdback is missing from the loan documents." |  | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 does not reflect Points - Loan Discount fee, Appraisal Re-Inspection Fee . CD dated xx/xx/2022 reflects Points - Loan Discount fee at $2,146.90 , Appraisal Re-Inspection Fee at $165.00. This is cumulative increase in fee of $2,311.90 for charges that cannot increase. <br> Valid COC for the increase in fee is missing from the loan documents. <br>Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2022 reflects the recording fee at $125. CD dated xx/xx/2022 reflects recording fee at $202.00. This is a cumulative increase of $65.00 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.<br> Subject loan is a refinance, originated on xx/xx/2022 and the SOL is 3-year."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan file." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 26507839 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 3 Family | xx | xx | Investor | Yes | Yes | No | 783 | Not Applicable | 38.376% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The xst installment of county taxes for xxxx was paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The xnd installment of county taxes for xxxx is due in the total amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br>The borrower has xx.xx years on the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | HUD-x Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final closing disclosure is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows Hughes Capital/Guardian/HomePartners loan. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 1093204 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | ? | ? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 793 | Not Applicable | 15.322% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The taxes are to follow. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xx,xxx.xx. The PH shows a large principal curtailment in the total amount of $x,xxx.xx on xx/xx/xxxx. As per the collection comment dated xx/xx/xxxx, this is BWR made payments. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br> BWR has x.xx years on the job xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "This loan failed the Pennsylvania license validation test."<br> \* Property Marketability Issues (Lvl 3) "Tape shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $135K. Comp #1 with a sales price of $135K, is closest to the subject property. Zillow search shows an estimated value at $135K. Current UPB is $98K." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase, originated on xx/xx/2023 and the 1-year SOL has expired."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2023 reflects the sum of Section C fees and Recording fee at $321.00. CD dated xx/xx/2023 reflects the sum of Section C and Recording fee at $363.50. This is a cumulative increase of $10.40 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/2023 and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 70327949 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.??% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 102.116% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 681 | Not Applicable | 31.201% | First | Final policy | Not Applicable | xxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There are two active junior mortgages against the subject property. The first mortgage was originated on xx<br> The first installment combined taxes for xxxx was paid in the amount of $x,xxx.xx on xx/xx/xxxx, and the second installment is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI) which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br> BWR has x.xx years on the job asxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the subject loan is uninsured and unable to obtain the new construction documents. The appraisal report is as is, and the subject property is built up. Further details not provided." | \* Cash out purchase (Lvl 2) "The subject loan is purchase case. Final CD dated xx/xx/2021 reflects cash to in the amount of $832.01."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 4.367% exceeds APR threshold of 4.320% over by +0.047%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 4.367% exceeds APR threshold of 4.320% over by +0.047%. The subject loan is escrowed."<br> \* MI, FHA or MIC missing and required (Lvl 2) "Mortgage insurance certificate is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 19589047 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Georgia | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 732 | Not Applicable | 45.848% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx | x.xxx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx and the deferred balance is $xx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is bankruptcy.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx and the deferred balance is $xx,xxx.xx.<br> As per the collection comment dated xx/xx/xxxx, the RFD was curtailment of income. <br> The loan was modified on xx/xx/xxxx.<br> As per the collection comment dated xx/xx/xxxx, the borrower was on the FB plan that was started on xx/xx/xxxx and ended on xx/xx/xxxx.<br> According to the PACER, the borrower xx<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br> BWR has x.xx years on the job as a sxx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower xx | This modification agreement signed between the borrowers, xx, with an effective date of xx/xx/xxxx, shows the modified principal balance is $xxx,xxx.xx, out of which $xxx,xxx.xx is an interest-bearing amount. The deferred balance is $xx,xxx.xx. The borrower agreed to pay the modified monthly P&I of $x,xxx.xx with a modified interest rate of x.xxx% starting on xx/xx/xxxx and continuing until the new maturity date of xx/xx/xxxx. |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 45.48%. Tape shows student loan debt miscalculation, omitted debts without supporting documents, and incorrect income used for qualification. The revised DTI is 48%. Review confirmed ATR at revised DTI. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has xx<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 45.84%, as the borrower's income is $15,950.23 and total expenses are in the amount of $7,312.80 and the loan was underwritten by LP xx |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 23210895 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | Second |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 68.864% | 68.864% | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 743 | 741 | 24.151% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is an active mortgage against the subject property, which was recorded on xx<br> The first installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has been SE for x.xx years at xx<br> BWRx has x.xx years on the job as an xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 reflects appraisal fee at $750.00. CD dated xx/xx/2024 reflects appraisal fee at $815.00. This is an increase in fee of $65.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br>This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure delivery date is less than six business days before the consummation date.<br>Subject loan is a refinance, originated on xx/xx/2024 and the 3-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows ineligible condominium project. Further details not provided. Zillow search shows an estimated value of $1.2M. Current UPB $960K."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 44288882 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 98.189% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 653 | Not Applicable | 56.380% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual city taxes for xxxx are due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual city taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the seller's tape, the subject property was occupied by the owner. CCs do not show any damage.<br> BWR has x.xx years on the job as a xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Compliance is failing for state regulations. PA license validation test."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject loan is not insurable by the FHA as the final AUS was run with an incorrect interest rate of 6.50% and the actual interest is 6.625%. AUS is invalidated after resubmitting the AUS with the correct interest rate as the loan fails to meet additional reserve requirements. Bank statements in the file show $12K, and the cash-to-close requirement is $10K. Further details are not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "Mortgage insurance certificate is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 11709207 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 4 Family | xx | xx | Investor | Yes | Yes | No | 793 | Not Applicable | 18.178% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR has xx.xx years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "The tape shows the subject property is not salable to Freddie Mac as the property condition is rated poor. The appraisal report is as is, and the photo addendum shows the entire floor covering for unit 1 is removed, and the estimated cost for coverings is $3K. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback." |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $3000.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 19097220 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | Oregon | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 71.772% | 71.772% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 759 | Not Applicable | 47.920% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a junior mortgage against the subject property that was originated on xx<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx.<br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the comment dated xx/xx/xxxx, the subject property is impacted by disaster.<br> As per the comment dated xx/xx/xxxx, the subject property is owner occupied. <br> The reason for the default is unable to be determined.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has x month on the job as an xx. BWR has prior employment experience as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $334K. Market value of the subject property ($334K) is closest to the adjusted sales price ($337K) of comparable #2. Zillow search shows an estimated value of $496K. Current UPB is $227K." | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 47.92%, as the borrower income is $7,083.34 and total expenses are in the amount of $3,394.31 and the loan was underwritten by DU (Locator#xx) and its recommendation is Approve/Eligible with a DTI of 47.92%." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 30846398 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 69.000% | 69.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | Yes | Yes | 745 | Not Applicable | 40.323% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx No active liens or judgments have been found against the borrower or subject property. The first installment of town taxes for xxxx was paid in the amount of $xxx.xx. The second installment of town taxes for xxxx is due in the amount of $xxx.xx on xx/xx/xxxx. No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%. | Collections Comments:The loan is currently performing. According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The loan has not been modified. The foreclosure was not initiated. The borrower did not file bankruptcy. The occupancy of the subject property is not available. No comment pertaining to the damage to the subject property has been observed.<br> BWR has x.xx years on the job as a loan officer at Movement Mortgage. BWR is employed by the lender. Previously, BWR had x year on the job as a mortgage loan officer at Citizens Bank. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "The tape shows issues with the values used. Further details not provided. Review of the appraisal report shows, comp #1 with a sales price of $355K is closest to the subject property valued at $365K. Zillow search shows an estimated value of $304K. Current UPB is $232K." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 43782795 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 94.531% | 94.531% | Full Documentation | Yes | xx | xx | 30.000% | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 806 | 777 | 28.718% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active liens or judgments have been found against the borrower or subject property.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> As per the comment dated xx/xx/xxxx, the subject property is impacted by disaster.<br> The reason for the default is unable to be determined.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWRx has x.xx years on the job xx<br> BWR x has been xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Transmittal (xxxx) | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "The tape shows the appraised value is not supported and was flagged as overvalued with an SSR score of 4.6. The appraiser used large adjustments to arrive at an appraised value of $320K. Comp #3 with a sales price of $350K, is closest to the subject property. Zillow search shows an estimated value of $332K. Current UPB is $287K. Further details not provided."<br> \* Transmittal (1008) is Missing (Lvl 3) "Final transmittal summary is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 28.45%. The tape reflects an increased DTI of 44.61%. Further details not provided. The subject loan originated on xx/xx/2022, and the 3-year SOL will expire on xx/xx/2025. BWR1 has 1.91 years on the job as a xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. 3-year TRID SOL has expired."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 does not reflect Points - Loan Discount Fee. CD dated xx/xx/2022 reflects Points - Loan Discount Fee at $544.50. This is an increase in fee of $544.50 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. 3-year TRID SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 56869766 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | ? | ? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 240 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 65.263% | 65.263% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 713 | Not Applicable | 37.395% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active liens and judgments have been found.<br> The xxxx school annual taxes were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The xxxx combined annual taxes were due in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | As per the payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied on xx/xx/xxxx. The current P&I is $x,xxx.xx and interest rate is x.xxx%. The UPB is reflected in the amount of $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> As per the payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The UPB is reflected in the amount of $xxx,xxx.xx.<br> As per the comment dated xx/xx/xxxx, the subject property was damaged due to wind/hail, and the DOL is xx/xx/xxxx. The borrower filed an xx No comments have been found regarding the completion of the repairs.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> As per the tape data, the subject property is owner occupied.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Tape and file show the loan is closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan file. Zillow search shows an estimated value of $240K. Current UPB is $113K."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "This loan failed the Pennsylvania license validation test.<br>Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date of xx/xx/2022, which is less than three business days before the consummation date of xx/xx/2022."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx/xx/2022 does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/2022 reflects Points - Loan Discount Fee at $155.00. This is an increase fee in the amount of +$155.00 for charges that cannot increase. Valid COC for the increase in fee is available. COC is not getting tested due to loan failing TRID delivery and timing test. Subject loan is a refinance case, originated on xx/xx/2022 and the 3-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows BWR was not on the mortgage getting refinanced, and the lender did not document 12 months of verification of pay history of the existing mortgage. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $4234.68 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 8344106 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | No | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 682 | Not Applicable | 39.715% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a prior civil against the borrower in favor of xx<br> The first and second installments of county taxes for the year xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB, reflected as per payment history, is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB, reflected as per payment history, is $xxx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> As per the comment dated xx/xx/xxxx, the borrower disputes regarding PMI. No comment has been found for dispute resolved.<br> BWR has x months on the job as a xx. Additionally, BWR has x year on the second job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 39.71%. Tape shows BWR does not have a 2-year history for second employment, and the lender omitted debt without verification of less than 10 payments remaining. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR has 4 months on the job as xx<br> \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 4.533% exceed APR threshold of 4.320% over by +0.213%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 4.498% exceeds APR threshold of 4.320% over by 0.178%. Subject loan is escrowed." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 97942943 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | Yes | 740 | Not Applicable | 45.845% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual city taxes for xxxx were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br>BWR has been xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 45.84%. Tape shows income and debt miscalculation. Further details not provided. The revised DTI exceeds 50%. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL has expired. BWR has been xx |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 63156292 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 802 | 795 | 49.724% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI) which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br> BWRx has xx<br> BWRx receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "The subject was approved as OO. Tape shows property is NOO due to misrepresentation. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 49.72%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL will expire on xx/xx/2025. BWR1 has 2.58 years on the job as a xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2022 does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/2022 reflects Points - Loan Discount Fee at $165.60. This is an increase in fee of +$165.60 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2022 and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock provided expired on xx/xx/2022, and the loan closed on xx/xx/2022. No lock extension found." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 30782055 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Virginia | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 770 | Not Applicable | 26.867% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The xst and xnd installments of county taxes for xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx & xx/xx/xxxx.<br> No prior year's delinquent taxes have been found | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> BWR has x months on the job xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $325K. Comp #2 with a sales price of $310K, is closest to the subject property. Zillow search shows an estimated value of $325K. Current UPB is $295K. Further details not provided." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 64789089 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 662 | Not Applicable | 41.808% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The combined annual taxes for xxxx were paid in the amount of $xx,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per the servicing comment dated xx/xx/xxxx, the reason for default is excessive obligations.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> As per the tape data, the borrower was on a forbearance plan from xx/xx/xxxx to xx/xx/xxxx.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br> BWR has x months on the xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 41.81%. The tape shows BWR was not employed at closing. Further details not provided. BWR defect. The subject loan was originated on xx/xx/2021, and the 3-year SOL is expired. BWR has 2 months on the xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflects points - loan discount fee at $2,611.00. Final CD dated xx/xx/2021 reflects points - loan discount fee at $2,762.60. This is an increase in fee of $151.60 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2021 and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the loan originator is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 38653527 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 787 | 742 | 40.923% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xx% | xxxx.x | xx/xx/xxxx | Financial Hardship | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. No active judgments or liens were found. The xst installment of combined taxes for xxxx was paid in the amount of $x,xxx.xx on xx/xx/xxxx. The xnd installment of combined taxes for xxxx is due in the total amount of $x,xxx.xx on xx/xx/xxxx. No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx. The loan was modified on xx/xx/xxxx. Unable to determine the occupancy of the subject property. No evidence has been found regarding the current/prior foreclosure proceedings. As per PACER report, the borrower has not filed bankruptcy since loan origination. As per tape data, the forbearance plan began on xx/xx/xxxx. As per servicing comment dated xx/xx/xxxx, the property was impacted by disaster. <br> BWR was qualified using a post-close offer letter as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrowers xx with an effective date of xx/xx/xxxx shows the new modified unpaid principal balance is $xxx,xxx.xx. The borrower agreed to pay the modified monthly P&I of $x,xxx.xx with a modified interest rate of x.xx% starting on xx/xx/xxxx and continuing until the new maturity date of xx/xx/xxxx. There is no deferred balance and principal forgiven amount. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 40.92%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/2019, and the 3-year SOL is expired. BWR was qualified using a post-close offer letter as a xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount and consummation or reimbursement date validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2019 does not reflect the counseling fee and tax service fee. CD dated xx/xx/2019 reflects a counseling fee at $75.00 and a tax service fee at $64.00. This is an increase in fee of $139.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2019, and the 1-year SOL is expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 6295501 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Mid Rise Condo (5-8 Stories) | xx | xx | Secondary | Yes | Yes | No | 785 | Not Applicable | 41.530% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI) which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br> BWR has been xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "Subject is a second home. Zillow shows the subject property was listed for rent on xx/xx/2024. Elevated for client review." | \* Property Marketability Issues (Lvl 3) "Tape shows ineligible condo project, and condo questionnaire shows special assessment of $300K for roof repairs of condo project was planned. The inspection report for the completion repairs is missing from the loan documents. Further details not provided. Subject originated 3/2/22. BWR has been 0X30 last 24 months. Comments do not show any further info on assessment." | \* ComplianceEase TILA Test Failed (Lvl 2) "TILA finance charge test due to finance charge disclosed on final CD as $320,787.81. The calculated finance charge is $321,262.52 for an under-disclosed amount of -$474.71. Subject loan is purchase case, originated on xx/xx/2022 and the SOL is 1 year expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Not Covered | Fail | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 98375588 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 663 | Not Applicable | 39.374% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner CCs do not show any damage.<br> BWR has xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows issue with other closing, title, application, and processing documentation. Further details not provided." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 92903049 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Missouri | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 74.999% | 74.999% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 804 | Not Applicable | 40.899% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows Hughes Capital/Guardian/Home Partners loan. Further details are not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 95510256 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ?????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 798 | 793 | 34.632% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The utilities/mud taxes for xxxx were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The first installment of town taxes for xxxx is paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The second installment of town taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xx,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xx,xxx.xx with an interest rate of x.xxx%. The current UPB is $x,xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $x,xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWRx has xx<br> BWRx has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3) "Loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. The below fees were included in the test:<br> Adjustable Rate Endorsement paid by Borrower: $25.00<br> Buyers or Borrower Attorney Fee paid by Borrower: $2,400.00<br> Investor Review Fee paid by Borrower: $750.00<br> Note Fee paid by Borrower: $250.00<br> Real Estate Commission paid by Seller: $110,900.00<br> Seller Attorney Fee paid by Seller: $2,075.00<br> Survey Fee H paid by Borrower: $1,600.00<br> Title Closing Protection Letter paid by Borrower: $75.00<br> Title-Copy Fee paid by Borrower: $25.00<br> Title-Deed Preparation paid by Borrower: $45.00<br> Title-Simplilife Service Fee paid by Borrower: $10.00<br> Title-Tax & Assessments Fee paid by Borrower: $55.00<br> Title-Transaction Management paid by Borrower: $60.00."<br> \* Property Marketability Issues (Lvl 3) "Tape shows ineligible condominium project. Further details not provided. Zillow search shows an estimated value of $2.2M. Current UPB $1.7M." |  |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 19599441 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 89.638% | 89.638% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 781 | Not Applicable | 49.802% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual county taxes for xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI) which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence of foreclosure activity has been found.<br> No evidence of bankruptcy has been found.<br> As per the servicing comment date xx/xx/xxxx, the subject property is impacted by disaster. CCs do not show damages.<br> As per tape data, the subject property is owner occupied.<br> BWR has been xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "Loan failed TILA post-consummation revised closing disclosure finance charge test. Finance charge disclosed on Post CD as $1,095,425.28. The calculated finance charge is $1,095,593.36 for an under-disclosed amount of -$168.08. The subject loan is a purchase, originated on xx/xx/2024, and the SOL is 1 year."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows ineligible condominium project. Further details not provided. The appraisal report shows the subject is a detached SFR and not a condominium. Zillow search shows an estimated value of $865K. Current UPB $772K."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Elevated | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 75443374 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 93.000% | 93.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 752 | Not Applicable | 37.890% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active liens or judgments have been found against the borrower or subject property.<br> The annual county taxes for xxxx-xxxx were paid in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> The occupancy of the subject property is not available.<br> No comment pertaining to the damage to the subject property has been observed.<br>BWR has xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "Tape shows the appraised value is not supported and was flagged as overvalued with an SSR score of 4.6. The appraiser used large adjustments to arrive at an appraised value of $367K. Comp #3 with a sales price of $360K, is closest to the subject property. Zillow search shows an estimated value of $365K. Current UPB is $321K. Further details not provided." | \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 21199405 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | Second |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 91.000% | 91.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 646 | 648 | 34.886% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is an active junior mortgage against the subject property in favor of xx<br> There is a prior IRS lien on the subject borrower in favor of xx<br> There is a fieri facias real estate tax lien on the subject property in favor of xx<br> The xxxx combined annual taxes were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the tape, the property is owner-occupied.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWRx has been xx<br> BWRx has been xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $500K. Market value of the subject property ($500K) is closest to the adjusted sales price ($525K) of comparable #1. Zillow search shows an estimated value of $603K. Current UPB is $424K." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflect Points - Loan Discount Fee. CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $364.00. This is an increase in fee of +$364.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 67797513 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maine | xx | xx | xx | Maine | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 688 | Not Applicable | 41.613% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a junior mortgage against the subject property that was originated on xx<br> The first installment of town taxes for xxxx was paid in the amount of $x,xxx.xx.<br> The second installment of town taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $xxx.xx, and the interest rate is x.xxx%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> CCs do not show damage.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing Dicsloures | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "Tape and appraisal show multiple repairs needed to bulkhead steps, furnace, broken pipes and fencing, flaking paint, utilities, and mold inspection. The estimated cost to cure is $7k. 1004D, or the final inspection report by a licensed professional confirming the status of the repairs, is missing from the loan documents. Zillow shows an estimated value of the subject is $440K. Current UPB is $171K." |  | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the tax service fee test."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflects Credit Report Fee at $80.00. CD dated xx/xx/2022 reflects Credit Report fee at $92.07. This is an increase in fee of $12.07 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/2022 and the SOL is 1 year."<br> \* Missing Required Disclosures (Lvl 2) "Home loan toolkit is missing from the loan file." |  | Moderate | Pass | Fail | Pass | Not Covered | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 61933111 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 776 | 647 | 41.648% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The water charges for xxxx have been delinquent in the amount of $xx.xx, which is good through xx/xx/xxxx. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> The occupancy of the subject property is unable to be determined.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Tape shows verified assets of $53K do not satisfy cash-to-close and reserves requirements of $56K and fall short by $3K. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL has expired. BWR has 14.33 years on the job as axx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Not Covered | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 67046589 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 74.074% | 74.074% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 778 | Not Applicable | 44.757% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active liens or judgments have been found against the borrower or subject property.<br> The annual combined taxes for xxxx were paid in the amount of $xxx.xx.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the sellers tape, the subject property is owner occupied.<br> CCs do not show damage.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock<br> Transmittal (xxxx) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Tape and file show an escrow holdback of $4.5K for repairs to the flooring, and the initial 1004D shows repairs were not completed yet and BWR had removed kitchen cabinets, and the final 1004D available in the file shows repairs are completed. Proof of release for escrow holdback is missing from the loan documents."<br> \* Loan has escrow holdback. No proof it was released (Lvl 3) "Final CD dated xx/xx/2024 reflects escrow holdback in the amount of $4,564.19. Proof for release of escrow holdback is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by borrower is missing from the loan documents."<br> \* Transmittal (1008) is Missing (Lvl 3) "Final transmittal summary is missing from the loan documents." | \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed TILA finance charge test. Finance charge disclosed on final CD as $266,102.87. Calculated finance charge is $266,651.35 for an under disclosed amount of -$548.48. The subject loan originated on xx/xx/2024 and the 1 year SOL is active<br>Subject loan is a purchase, originated on xx/xx/2024 and the 1-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 96005222 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 649 | 747 | 44.335% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found. <br> Annual county taxes for xxxx were paid on xx/xx/xxxx in the amount of $xxx.xx.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No evidence has been found regarding foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> As per tape data, the subject property is occupied by the owner.<br> CCs do not show damages.<br> BWR has xx<br> BWRx has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Tape shows repairs to the rotting fascia were not required by Freddie Mac, and the appraiser in the revised appraisal report required those repairs to be completed along with other items listed. 1004D in the file shows completion of repairs of other items listed except the rotting fascia. The estimated amount to cure the fascia board is $300. The final inspection report is missing from the loan documents."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate."<br> \* Property is Manufactured Housing (Lvl 3) "Home is affixed. As per the appraisal report, the subject property type is a manufactured home. The manufactured home rider attached to the recorded mortgage located at "xx" and the affidavit of affixation "xx | \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.884% exceeds APR threshold of 8.360% over by +0.524%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)." |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 14031271 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | Texas | xx | xx | No | No | Not Applicable | First |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 763 | Not Applicable | 47.045% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active liens and judgments have been found against borrower and property.<br> Annual city/county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The last payment was received on xx/xx/xxxx, which was applied for the due date of xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is $x,xxx.xx and PITI is $x,xxx.xx. The UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The last payment was received on xx/xx/xxxx, which was applied for the due date of xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is $x,xxx.xx and PITI is $x,xxx.xx. The UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine current occupancy of the subject property. <br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding damage.<br> BWR has been xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan is NOO and was approved at 47.04%. Tape shows SE and rental income miscalculation, and verification of SE business was not obtained. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2022, and the 3-year SOL will expire on xx/xx/2025. BWR has been xx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 47.04%, as the borrower income is $18,614.37 and total expenses are in the amount of $8,757.10 and the loan was underwritten by DUxx |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 25946824 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Louisiana | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | Yes | No | 767 | Not Applicable | 49.173% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The combined annual taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br>BWR has started a new job on xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject loan does not meet FNMA guidelines for NOO property as BWR was approved using an offer letter and will receive a salary post-closing. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 32374480 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Secondary | Yes | Yes | Yes | 770 | 773 | 47.805% | First | Final policy | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active liens and judgments have been found against borrower and property.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The last payment was received on xx/xx/xxxx, which was applied for the due date of xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is $x,xxx.xx and PITI is $x,xxx.xx. The UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The last payment was received on xx/xx/xxxx, which was applied for the due date of xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is $x,xxx.xx and PITI is $x,xxx.xx. The UPB reflected as per the payment history is $xxx,xxx.xx. <br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding damage.<br> BWRx has xx<br> BWRx has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "The subject was approved as a second home. The tape shows the subject is NOO due to misrepresentation. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject was approved at 47.80%. The tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL has expired. BWR1 has 26 years on the job as a xx<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the late fees test due to the loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 47.80%, the borrower income is $13,260.67 and total expenses are in the amount of $6,339.31 and the loan was underwritten by LP xx) and its recommendation is Accept with a DTI of 48%." |  | Moderate | Not Covered | Pass | Pass | Not Covered | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 75578199 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 726 | Not Applicable | 45.337% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject is a second home and was approved at 45.33%. Tape shows rental income miscalculation as lease and supporting documents for REO are missing, and BWR is purchasing 4 rental properties financed through the subject lender. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL has expired. BWR has 4.5 years on the job as xx"<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 45.33%, as the borrower's income is $10,886.72 and total expenses are in the amount of $4,935.70, and the loan was underwritten by DU (xx), and its recommendation is Approve/ineligible with a DTI of 45.33%." |  | Minimal | Not Covered | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 13508918 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Commercial Prop | xx | xx | Investor | Yes | Yes | No | 768 | Not Applicable | 47.133% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The xxxx county annual taxes were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br>BWR has been xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Property is Commercial Prop (Lvl 3) "Tape shows BWR uses subject NOO property as AirBNB." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan is NOO and was approved at 47.13%. Tape shows rental income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL has expired. BWR has been xx<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Subject loan approved as NOO. Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 47.13% as the borrower's income is $10,771.34 and total expenses are in the amount of $5,076.89 and the loan was underwritten by DU (xx) and its recommendation is Approve/Eligible with a DTI of 47.13%." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 81655152 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 782 | Not Applicable | 28.733% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The tax status is to follow.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx.<br> The PH shows a large principal-only payment in the month of June xxxx and July xxxx in the amount of $xx,xxx.xx. As per the comments dated xx/xx/xxxx, xx/xx/xxxx, xx/xx/xxxx, xx/xx/xxxx, and xx/xx/xxxx, these are the BWR made payments. | Collections Comments:The current status is performing. <br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied.<br> BWR has xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "This loan failed the Pennsylvania license validation test."<br> \* Property Marketability Issues (Lvl 3) "Tape shows condo project does not meet Fannie Mae hazard insurance requirements as the deductible coverage exceeded the 5% limit. Further details not provided. Zillow search shows an estimated value of $392K. Current UPB is $268K." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 42201238 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | Not Applicable | xx | Primary | Yes | Yes | No | 790 | Not Applicable | 30.287% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is an active junior mortgage against the subject property in favor of x<br> There is a UCC lien found against the subject property in favor of xx<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx.The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br>| Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx.The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the tape data, the subject property is owner occupied.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No evidence has been found regarding the foreclosure proceedings.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br>BWR has been xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Subject originated xx/xx/2022 at $359K with the prior sale 1/17/22 at $300K. Original transaction appears to be a flip. Zillow shows estimated value at $416K." | \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed TILA Finance Charge test due to Calculated Finance charge of $209,558.96 exceeds Disclosed Finance charge of $210,103.96 over by -$545.00. The subject loan is a purchase, originated on xx/xx/2022 and the SOL is 1 year." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 12623465 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | South Carolina | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | 100.379% | 100.379% | Streamline Refinance | Yes | xx | xx | 25.000% | Not Applicable |  | Not Applicable | PUD | Not Applicable | xx | Primary | Yes | Yes | No | 703 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There are eight prior state tax liens in favor of the xx<br> There is a credit card judgment against the borrower in favor of xx<br> The annual county taxes for the year xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Subject loan is VA streamline refinance.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "Loan failed prohibited fees test.<br> The below fees were included in the test:<br> Attorney's Fee (Closing Agent Only) paid by Borrower: $50.00"<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the loan does not meet VA seasoning period requirements. Further details not provided." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 15778929 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 61.765% | 61.765% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 655 | 729 | 49.938% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The county's annual taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br>| Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> BWRx has xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 49.93%. Tape shows undisclosed mortgage debt with a monthly payment of $1,231 opened prior to closing. Revised DTI is 54%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL has expired. BWR2 has 23.66 years as an xx"<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2) "Homeownership counseling organizations disclosure is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 49.93% as the borrower's income is $19,805.67 and total expenses are in the amount of $9,890.50 and the loan was underwritten byxx |  | Minimal | Pass | Pass | No Result | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 80688425 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 756 | Not Applicable | 38.685% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens found.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | As per the payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied on xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> As per the payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> The reason for default is unable to be determined.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $420K. Comp #3 with a sales price of $430K, is closest to the subject property. Zillow search shows an estimated value at $420K. Current UPB is $377K." | \* Cash out purchase (Lvl 2) "The subject loan is purchase case. Final CD dated xx/xx/2022 reflects cash to in the amount of $3,358.60." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 36396010 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 661 | Not Applicable | 33.709% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The xxxx county annual taxes were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> The loan was modified on xx/xx/xxxx.<br> As per the servicing comment dated xx/xx/xxxx, the reason for default is excessive obligations.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> As per the servicing comment dated xx/xx/xxxx, the subject property was damaged due to the hurricane. No details are available regarding the estimated repair cost. There is no evidence to confirm the current status of repairs in the latest collection comments.<br> According to a comment dated xx/xx/xxxx, the subject property is owner-occupied.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower and lender with an effective date of xx/xx/xxxx shows the new modified unpaid principal balance is $xxx,xxx.xx. The borrower agreed to pay the modified monthly P&I of $x,xxx.xx with a modified interest rate of x.xxx% starting on xx/xx/xxxx and continuing until the new maturity date of xx/xx/xxxx. There is no deferred balance and principal forgiven amount. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved at 32.55%. Tape shows lender did not document 12 month pay history on departing REO. Further details not provided. Lender defect. Subject originated 8/8/19 and the 3 year SOL has expired. BWR has 4 years on the job as a xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2019 reflects points - loan discount fee at $2,835.00. CD dated xx/xx/2018 reflects points - loan discount fee at $3,302.78. This is an increase in fee of +$467.78 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/2019 and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 24180614 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 60.000% | 60.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 754 | Not Applicable | 49.847% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx No active judgments or liens were found. The xst and xnd installments of county taxes for xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx. Annual water charges for xxxx are due on xx/xx/xxxx in the amount of $xxx.xx. No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing. <br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> As per the collection comment dated xx/xx/xxxx, the subject property was occupied by the owner. CCs do not show any damage.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 49.85%. Tape shows fluctuating income from the new job is not supported. Further details not provided. Lender defect. The subject originated on xx/xx/2024, and the 3-year SOL is active. BWR has xx | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The subject loan closed without an appraisal report. PIW disclosure is missing from the loan documents. Zillow search shows an estimated value of $310K. Current UPB is $186K."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 2497079 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Alabama | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | Second | xx | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 788 | 792 | 23.753% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is an active HOA lien against the subject property in favor of xx<br> Combined annual taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx, in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current interest rate is x.xxx%, and P&I is $x,xxx.xx. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination. <br> No evidence has been found regarding the foreclosure proceedings.<br> No information regarding damage/repair to the subject property has been found.<br> The occupancy of the subject property is unable to be determined.<br>BWR has been xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows Hughes Capital/Guardian/HomePartners Loan. Further details are not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 90784868 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Missouri | xx | xx | xx | Nevada | xx | xx | No | No | Not Applicable | Second |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 808 | Not Applicable | 38.024% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a sewer lien on the subject property in favor ofxx<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xx,xxx.xx.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows Hughes Capital/Guardian/HomePartners loan. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 28063788 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Alabama | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 804 | Not Applicable | 42.261% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> Annual county taxes for xxxx have been paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xxx/xx/xxxx, in the amount of $xxx.xx, which was applied for the due date of xx/xx/xxxx. The current interest rate is x.xxx%, and P&I is $xxx.xx. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No evidence has been found regarding the foreclosure proceedings.<br> No information regarding damage/repair to the subject property has been found.<br> The occupancy of the subject property is unable to be determined.<br> BWR has xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows Hughes Capital/Guardian/HomePartners loan. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 12468453 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Alabama | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 796 | Not Applicable | 43.123% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the tenant. CCs do not show any damage.<br> BWR has xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows Hughes Capital/Guardian/HomePartners loan. Further details are not provided." |  | \* Settlement date is different from note date (Lvl 1) "The final CD reflects the closing date as 5/2/2022. The notary's signature date on the mortgage/deed of trust is 4/14/2022. Note: date is 4/14/2022." |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 38617903 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Alabama | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 804 | Not Applicable | 42.586% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows Hughes Capital/Guardian/HomePartners loan. Further details not provided."<br> \* Missing proof of hazard insurance (Lvl 3) "Hazard insurance certificate is missing from the loan documents." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 67512387 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 57.143% | 57.143% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 746 | 738 | 43.655% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The first installment of county taxes for xxxx-xxxx was paid on xx/xx/xxxx in the amount of $x,xxx.xx.<br> The second installment of county taxes for xxxx-xxxx is due on xx/xx/xxxx in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date of payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which applied for xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date of payment is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> BWR has been xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the subject loan does not meet the requirements of delayed financing as the loan amount exceeds the documented amount of the borrower's initial investment in purchasing the property plus the financing of closing costs, prepaid fees, and points on the new mortgage loan. As per appraisal report dated xx/xx/2022, the subject prior sale/transfer on xx/xx/2022 in all cash for $735K via a grant deed. The subject loan was originated on xx/xx/2022 (within 2 months from the prior sale). Appraisal value is $910K and loan amount is $520k. BWRs equity in subject property is $415K. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 54854613 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Rhode Island | xx | xx | xx | Massachusetts | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 753 | Not Applicable | 32.913% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxxx.xx | x.xxx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The xst, xnd, and xrd installments of county taxes for xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx,xx/xx/xxxx and xx/xx/xxxx.<br> The xth installment of county taxes for xxxx is due in the total amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the servicing comment dated xx/xx/xxxx, the reason for default is excessive obligation.<br> As per the servicing comment dated xx/xx/xxxx, the property occupancy is stated as vacant.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> As per the servicing comment dated xx/xx/xxxx, the borrower's income has been impacted due to the Covid-xx pandemic, and as per tape data, the forbearance plan started on xx/xx/xxxx.<br> The loan was modified on xx/xx/xxxx.<br> As per tape data, the forbearance plan started on xx/xx/xxxx.<br> No information has been found related to damage or repairs.<br> The subject property is located in the xx<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower and lender with an effective date of xx/xx/xxxx shows the new modified unpaid principal balance is $xxx,xxx.xx, out of which $xxx,xxx.xx is an interest-bearing amount and the deferred amount is $xxx,xxx.xx. The borrower agreed to pay the modified monthly P&I of $x,xxx.xx with a modified interest rate of x.xxx% starting on xx/xx/xxxx and continuing until the new maturity date of xx/xx/xxxx. There is no principal forgiven amount. | Appraisal (Incomplete)<br> Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "Tape and file show the appraisal report was subject to the completion of renovation. The estimated amount of repairs is $342K. The final CD reflects an escrow holdback of $394K. The 1004D report is missing from the loan documents. Zillow search shows an estimated value at $669K. Current UPB $395K."<br> \* Loan has escrow holdback. No proof it was released (Lvl 4) "The final CD dated xx/xx/2020 reflects an escrow holdback in the amount of $394K. Proof for the release of the escrow holdback is missing from the loan documents." |  | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2020 reflect Appraisal Re-Inspection Fee at $750.00. Final CD dated xx/xx/2020 reflects Appraisal Re-Inspection Fee at $2,000.00. This is an increase in fee of +$1,250.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br> The subject loan is a purchase case, originated on xx/xx/2020, and the 1-year SOL is expired."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 99451946 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Alabama | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 760 | Not Applicable | 31.731% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The combined annual taxes for xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br>| Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial xxxx_Application | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows Hughes Capital/Guardian/HomePartners loan. Further details not provided." | \* Missing Initial 1003_Application (Lvl 2) "Initial application signed by loan originator is missing from the loan files." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 14639191 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | Second |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 657 | 656 | 34.760% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a sewer lien on the subject property in favor of xx<br> The xst and xnd installments of county taxes for xxxx are due in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the servicing comment dated xx/xx/xxxx, the reason for default is excessive obligation.<br> As per the servicing comment dated xx/xx/xxxx, the subject property is non-owner occupied.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWRx has been xx<br> BWRx has xx<br> BWRx rxx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial xxxx_Application | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan is NOO and was approved at 34.76%. Tape shows foster care income is not supported and BWR2 income miscalculation. Revised DTI is 46.78%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL has expired. BWR1 has been SE for 7.91 years at xx<br> \* Missing Initial 1003_Application (Lvl 2) "Initial application signed by loan originator is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 95029036 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 707 | Not Applicable | 44.889% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The xxxx combined annual taxes were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br> BWR has xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3) "Loan failed state regulations for the brokerage/finder fee test due to fees charged $5,154.38 exceed fees threshold of $4,750.00 over by +$404.38.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $3,859.38<br> Processing Fee paid by Borrower: $345.00<br> Underwriting Fee paid by Borrower: $950.00."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows ineligible condominium project. Further details not provided. The appraisal report shows the subject is a detached SFR and not a condominium. Zillow search shows an estimated value of $275K. Current UPB $230K." | \* Cash out purchase (Lvl 2) "The subject loan is a purchase case. The final CD dated xx/xx/2022 reflects cash to in the amount of $3,893.22."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 44.88%, as the borrower's income is $5,466.61 and total expenses are in the amount of $2,453.89, and the loan was underwritten by AUS xx), and its recommendation is approve/eligible with a DTI of 44.89%." |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 39534506 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 94.458% | 103.904% | Full Documentation | Yes | xx | xx | 16.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 657 | Not Applicable | 33.553% | First | Final policy | Not Applicable | xxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is an active junior mortgage against the subject property in favor of xx<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx. <br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination. <br> No information has been found related to damage or repairs. <br> As per tape data, the subject property is occupied by the owner. <br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject loan was rejected by US Bank due to a revised FICO score of 627, and the minimum required FICO score was 640. Further details not provided." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 5.756% exceeds APR threshold of 5.590% over by +0.166%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.756% Exceeds APR threshold of 5.590% Over By +0.166%."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 63422904 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 786 | Not Applicable | 48.310% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI) which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 48.31%. Tape shows rental income miscalculation. The revised DTI is 53.30%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2022, and the 3-year SOL will expire on xx/xx/2025. BWR has 2.91 years on the job as xx."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 48.31% as the borrower's income is $6,491.86 and total expenses are in the amount of $3,136.23, and the loan was underwritten by LP xx |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 3278802 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 681 | 717 | 49.901% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There are two prior civil judgments against the borrower in favor of xx<br> There is a criminal civil judgment against the borrower in favor of the xx<br> The combined annual taxes for xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI) which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxxxx%. The current UPB reflected as per the payment history $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br> BWRx xx<br> BWRx has been xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2024 reflects Points - Loan Discount Fee at $3,437.00. CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $6,286.72.<br> Loan estimate dated xx/xx/2024 reflects Appraisal Fee at $500.00. CD dated xx/xx/2024 reflects Appraisal Fee at $650.00.<br> This is a cumulative increase in fee of $2,999.72 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year.<br>Loan failed TRID Total of Payments Test due to Calculated Finance charge of $854,653.23 exceeds Disclosed Finance charge of $854,820.42 over by -$167.19."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the loan is aged due to delay in property inspection and lender need to refinance the loan or sell it as S&D. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ComplianceEase TILA Test Failed (Lvl 2) "TILA Finance charge disclosed on Final CD as $518,850.38. Calculated finance charge is $519,027.57 for an under disclosed amount of -$177.19.<br>Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year.<br>Subject loan is a purchase, originated on xx/xx/2024 and the 1-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 11224340 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ???.?? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 70.000% | 70.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 690 | 686 | 49.436% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx There is one UCC lien against the property, which was recorded on xx/xx/xxxx. The amount of the lien is not available on the supporting document. The second installment of supplemental county taxes for the year xxxx/xxxx has been delinquent in the amount of $xxx.xx, which is payable on good through xx/xx/xxxx. The first installment of county taxes for the year xxxx/xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx. The second installment of county taxes for the year xxxx/xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx. The first installment of supplemental county taxes for the year xxxx/xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx. The second installment of supplemental county taxes for the year xxxx/xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWRx has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at $720K. Current UPB: $499K."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 49.43%. Tape shows BWR was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 6 months on the job as a xx. Additionally, the BWR1 has been xx |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 15351240 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Mid Rise Condo (5-8 Stories) | xx | xx | Primary | Yes | Yes | No | 798 | Not Applicable | 42.159% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx<br> No active liens and judgments have been found against borrower and property.<br> The first and second installments of county/other taxes for xxxx/xxxx were paid in the total amount of $xx,xxx.xx.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The last payment was received on xx/xx/xxxx, which was applied for the due date of xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is $x,xxx.xx and PITI is $xx,xxx.xx. The UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The last payment was received on xx/xx/xxxx, which was applied for the due date of xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is $x,xxx.xx and PITI is $xx,xxx.xx. The UPB reflected as per the payment history is $xxx,xxx.xx. <br> As per seller's tape data the subject property is owner occupied.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding damage.<br>BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) "Tape shows the subject condo project is involved in active litigation and is not on the FNMA list of approved condo projects. Loan file is missing condo questionnaire. Further details not provided. Subject closed 8/27/24. Appraised value $1.38M. UPB $998K. Elevated for client review" | \* LE/CD Issue date test Fail (Lvl 3) "Loan fails compliance delivery and timing test for CD dated xx/xx/2024. The document tracker is missing, and 3 business days were added to get the receipt date of xx/xx/2024, which is after the consummation date of xx/xx/2024."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 82382193 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Commercial | Fixed |  | Refinance | 69.300% | 69.300% | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Investor | Yes | Yes | No | 750 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual county taxes for xxxx are paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The last payment was received on xx/xx/xxxx, which was applied for the due date of xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is $x,xxx.xx and PITI is $x,xxx.xx. The UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The last payment was received on xx/xx/xxxx, which was applied for the due date of xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is $x,xxx.xx and PITI is $x,xxx.xx. The UPB reflected as per the payment history is $xxx,xxx.xx. <br> As per seller's tape data the subject property is owner occupied.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding damage.<br> The subject loan is NOO. BWR was qualified using the DSCR of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* DSCR is less than 1.00 (Lvl 3) "Net operating income is $27,360.00 and annual payments (Debt Service) are $46,985.64 and the debt service cover ratio (DSCR) is 0.58."<br> \* Property Marketability Issues (Lvl 3) "Tape shows the subject is a unit at the Gables Terrace condo project in Miami, FL, that is older than 25 years and is located within xxx. A structural inspection of the project was not provided by the HOA. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 57547016 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 673 | Not Applicable | 42.511% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape, the subject property is owner-occupied.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 42.51%. Tape shows lender miscalculation of BWR SE income and BWR has limited credit history. The revised DTI is 58.94%. Lender defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR has xx | \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counseling organizations disclosure is missing from the loan documents." |  |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 39717554 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 742 | 739 | 48.923% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.The reason for the default is not available.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> No information has been found regarding the forbearance plan.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Intent to Proceed Missing (Lvl 3) "Intent to proceed is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $278K. Comp #1 with a sales price of $285K, is closest to the subject property, valued at $278K. Zillow search shows an estimated value of $285K. Current UPB is $259K." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Not Applicable | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 96571614 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | PUD | xx | xx | Primary | No | Not Applicable | Unavailable | 737 | Not Applicable | 49.859% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xxx<br> There is a UCC lien found against the subject property in favor of xx<br> The xst, xnd, xrd, and xth installments of county taxes for xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx, xx/xx/xxxx, xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br>BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Flood Certificate<br> Initial xxxx_Application<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing flood cert (Lvl 3) "The flood certificate is missing from the loan documents."<br> \* Missing Initial 1003_Application (Lvl 3) "The initial application signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject was approved at 49.85%. Tape shows undisclosed debt. Revised DTI is 54.54%. Further details not provided. BWR defect. Subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has 1.41 years on the job as a xx |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 42272613 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 88.556% | 88.556% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 805 | Not Applicable | 38.430% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. No active judgments or liens have been found. The annual installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br>| Collections Comments:The loan is currently performing. According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx. As per the tape data, the subject property is owner-occupied. The loan has not been modified since origination. No details pertaining to the damage to the subject property have been observed. The post-closing details regarding the foreclosure and bankruptcy have not been found. BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "The subject was approved as OO. Tape shows property is NOO due to BWR misrepresentation as they remained in departure residence. Further details were not provided. Elevated for client review."<br> \* Property Marketability Issues (Lvl 4) "The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $427K. Comp #2, with a sales price of $433K, is closest to the subject property. Zillow search shows an estimated value of $427K. Current UPB is $370K." | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report in the loan file is as-is. The photo addendum and improvement section show the notable cracks in the bedroom wall and ceiling. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject was approved as OO at 38.43%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR departing housing expense. Further details were not provided. BWR defect. The subject originated on xx/xx/2023, and the 3-year SOL is active. BWR has 1.16 years on the job as a xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2023 reflects points - loan discount fee at $6,089.00. CD dated xx/xx/2023 reflects points - loan discount fee at $6,413.64. This is an increase in fee of +$324.64 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/2023 and the 1-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 15517971 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 77.208% | 77.208% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 666 | Not Applicable | 37.347% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xxx<br> No active judgments or liens have been found.<br> The xst annual installment of combined taxes for xxxx was paid in the amount of $xxx.xx on xx/xx/xxxx. <br> The xnd annual installment of combined taxes for xxxx was paid in the amount of $xxx.xx on xx/xx/xxxx. <br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The UPB reflected in the payment history is $xxx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The UPB reflected in the payment history is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage. <br> BWR has xx<br> BWR has xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial xxxx_Application<br> Missing DU/GUS/AUS<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2024. Initial LE dated xx/xx/2024 reflects Lender Credit at $1,604. Final CD dated xx/xx/2024 reflects Lender Credit at $0.00. This is decrease of +$1,604 for fee which has 0% tolerance test.<br>Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2024 does not reflect Points - Loan Discount Fee. CD dated 0xx/xx/2024 reflects Points - Loan Discount Fee at $2,222.20.<br> Loan estimate dated xx/xx/2024 does not reflect Hybrid E Closing Fee. CD dated 0xx/xx/2024 reflects Hybrid E Closing Fee at $65.00.<br> Loan estimate dated xx/xx/2024 reflects Transfer Taxes at $327.00. CD dated 0xx/xx/2024 reflects Transfer Taxes at $472.56.<br> This is a cumulative increase in fee of +$2,432.76 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a refinance, originated on xx/xx/2024 and the SOL is 3 years."<br> \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the AUS was invalidated due to the incorrect appraised value of $270K and revised appraised value of $255K, increasing the LTV from 73% to 78%. Further details not provided. Zillow search shows an estimated value of $261K. Current UPB $195K."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) "AUS from the time of closing is missing from the loan documents. Post-close AUS is available and its risk recommendation is Approve/Eligible at 37.35% DTI."<br> \* Missing Initial 1003_Application (Lvl 3) "Missing initial application dated xx/xx/2024 signed by the loan originator."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 71489390 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% | Unavailable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 786 | 754 | 35.384% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active liens or judgments have been found against the borrower or subject property.<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx.<br> The annual utilities/MUD taxes for xxxx were paid in the amount of $xxx.xx.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx(PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the seller's tape, the subject property is owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Transmittal (xxxx) | xx | 3: Curable |  | \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows BWR approved on the subject loan with J1 category VISA is not acceptable as per FNMA guidelines. VISA expiration date is xx/xx/2024. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Transmittal (1008) is Missing (Lvl 3) "Final transmittal summary is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 52854461 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 94.878% | 94.878% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 767 | Not Applicable | 22.894% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xxx<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), and was applied to the due date of xx/xx/xxxx. The monthly P&I is $x,xxx.xx, and the interest rate is x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), and was applied to the due date of xx/xx/xxxx. The monthly P&I is $x,xxx.xx, and the interest rate is x.xxx%. The current UPB is $xxx,xxx.xx.<br> The RFD is unable to be determined. <br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 22.89%. Tape shows lender was not able to verify the BWR's employer. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL has expired. BWR has 6.08 years on the job as an xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. LE dated xx/xx/2022 does not reflect points - loan discount fee. CD dated 0xx/xx/2022 reflects points - loan discount fee at $1,622.00. This is an increase in fee of +$1,622.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2022 and the 1 year SOL has expired.<br>TRID violation due to decrease in lender credit on CD dated xx/xx/2022. Initial LE dated xx/xx/2022 reflects lender credit at $3,481. CD dated xx/xx/2022 reflects lender credit at $0.00. This is decrease of -$3,481 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan document. The subject loan is a purchase case, originated on xx/xx/2022, and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 69527793 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 91.525% | 91.525% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 688 | Not Applicable | 42.297% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xxx<br> No active judgments or liens were found.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> Unable to determine the current occupancy. <br>BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "Subject approved as OO. Tape shows the subject is NOO due to misrepresentation as BWR listed the subject property for rent after closing. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 42.29%. Tape shows subject is NOO due to misrepresentation as BWR listed the subject property for rent after closing, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR has 5 months on the job as a xx<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2) "Homeownership counseling disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 88098992 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Colorado | xx | xx | xx | Texas | xx | xx | Not Applicable | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 797 | Not Applicable | 44.821% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xxx<br> No active judgments or liens were found.<br> The xst installment of combined taxes for xxxx was paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The xnd installment of county taxes for xxxx is due in the total amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br>BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $18,354.99 exceeds fees threshold of $16,888.36 over by +$1,466.63. <br> The below fee was included in the test:<br> Points - Loan Discount Fee paid by Borrower: $18,354.99 <br>This loan failed the TRID Rate Lock Disclosure Delivery Date Test due to a disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xx/xx/2024, xx/xx/2024 and xx/xx/2024."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $18,354.99 exceeds fees threshold of $16,888.36 over by +$1,466.63. <br> The below fee was included in the test:<br> Points - Loan Discount Fee paid by Borrower: $18,354.99" | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 44.82%. Tape shows BWR was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 9 months on the job as xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase, originated on xx/xx/2024 and the 1-year SOL has expired."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2024 reflects the sum of Section C fees and Recording fee at $1,187.00. CD dated xx/xx/2024 reflects the sum of Section C and Recording fee at +$1,330.00. This is a cumulative increase of $24.30 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/2024 and the 1-year SOL has expired."<br> \* Intent to Proceed Missing (Lvl 2) "The borrower's intent to proceed is missing from loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 33503278 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Colorado | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 807 | Not Applicable | 27.878% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xxx<br> The first installment of county taxes for xxxx is paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx is due in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), and was applied to the due date of xx/xx/xxxx. The monthly P&I is $xxx.xx, and the interest rate is x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), and was applied to the due date of xx/xx/xxxx. The monthly P&I is $xxx.xx, and the interest rate is x.xxx%. The current UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "The appraisal report is as-is, and the photo addendum shows water damage to the ceiling. A property inspection performed on the subject property revealed multiple issues that pose health and safety hazards and structural integrity issues. 1004D verifying the completion of suggested repairs and final inspection report verifying the structural integrity of the property by a licensed professional is missing from the loan documents. The estimated amount of repairs is not available, and the final CD does not reflect the escrow holdback amount." | \* Intent to Proceed Missing (Lvl 3) "The intent to proceed disclosure is missing from loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 75156663 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arkansas | xx | xx | xx | Arkansas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 96.179% | 96.179% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 777 | Not Applicable | 40.655% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx There is a junior mortgage against the subject property that was originated on xx The annual county taxes for xxxx were paid in the amount of $x.xx. The annual county taxes for xxxx are due in the amount of $x,xxx.xx. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx(PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the seller's tape, the subject property is owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Borrower has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase the 0% tolerance test. Initial LE dated xx/xx/2024 reflects points—loan discount fee at $2,026.00. The final CD dated xx/xx/2024 reflects points—a loan discount fee at $5,577.00. This is an increase of +$3,551.00 for charges that cannot increase 0% tolerance tests. A valid COC for an increase in fee is missing from the loan documents.The subject loan is a purchase, originated on xx/xx/2024, and the SOL is 1 year active."<br> \* Intent to Proceed Missing (Lvl 3) "Intent to proceed is missing from loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows DU was invalidated due to an increase in LTV from an appraisal obtained post-close. MI coverage obtained was 30% instead of 35% as required. Post-close appraisal is missing from the loan file. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 8869439 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 60.021% | 60.021% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 770 | 730 | 48.646% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active liens or judgments have been found against the borrower or subject property.<br> The first and second installments of county taxes for xxxx/xxxx were paid in the amount of $x,xxx.xx. <br> No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied to the due date of xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> The occupancy of the subject property is not available.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWRx has xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows closing documents signed on xx/xx/2024 is one day earlier than it was supposed to be signed. Further details not provided. Infinity compliance result failed delivery and timing test for LE and CD."<br> \* LE/CD Issue date test Fail (Lvl 3) "The loan failed the compliance ease of delivery and timing tests for the revised loan estimate dated xx/xx/2024 electronically signed on xx/xx/2024, which is less than 7 business days before the consummation date of xx/xx/2024.<br>Loan failed compliance Ease delivery and timing tests for the initial CD dated xx/xx/2024; the initial closing disclosure delivery date is less than six business days before the consummation date." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 34222673 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Missouri | xx | xx | xx | Missouri | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | 108.250% | 108.250% | Streamline Refinance | No | xx | xx | Unavailable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 614 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active liens and judgments have been found.<br> The annual county taxes for the year of xxxx were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year delinquent taxes have been found. | As per the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied on xx/xx/xxxx. The current P&I is $x,xxx.xx and the interest rate is x.xxx%. The UPB is $xxx,xxx.xx. | Collections Comments:The current status of loan is performing,<br> As per the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The UPB is $xxx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the seller's tape data, the subject property is owner-occupied.<br> The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject loan is uninsured by VA as the seasoning requirement was not met. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "The VA guaranty certificate is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 65736753 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | 96.956% | 96.956% | Streamline Refinance | No | xx | xx | Unavailable | Not Applicable |  | Not Applicable | PUD | Not Applicable | xx | Primary | Yes | Yes | No | 627 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is one prior UCC lien found against the subject property in favor of xx<br> Combined annual taxes for the year of xxxx were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx, in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the latest payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br>The subject loan is a VA streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject loan is uninsured by VA as the GNMA seasoning requirement was not met. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "VA loan guaranty certificate is missing from the loan documents." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "The loan failed the prohibited fees test. The following fees were included in the test:<br> Attorney's Fee (Closing Agent Only) paid by Borrower: $450.00" |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 13151485 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Colorado | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | 101.452% | 101.452% | Streamline Refinance | No | xx | xx | Unavailable | Not Applicable |  | Not Applicable | PUD | Not Applicable | xx | Primary | Yes | Yes | No | 762 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first installment of county annual taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The second installment of county annual taxes for xxxx has been due in the total amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br> Subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase TILA Test Failed (Lvl 3) "Loan failed TILA Foreclosure Rescission Finance Charge test. Finance charge disclosed on final CD as $487,091.69. Calculated finance charge is $487,132.01 for an under disclosed amount of -$40.32. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is a refinance, originated on xx/xx/2024 and the SOL is 3 years.<br>Loan failed TILA Post-Consummation Revised Closing Disclosure Foreclosure Rescission Finance Charge test. Finance charge disclosed on post CD as $486,833.81. Calculated finance charge is $486,908.81 for an under disclosed amount of -$75.00. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is a refinance, originated on xx/xx/2024 and the SOL is 3 years."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject loan should have closed as a VA assumption loan as the entitlement used on the subject loan was from BWR's ex-spouse. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "VA loan guaranty certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 83137599 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 37.107% | 37.107% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | Yes | 806 | Not Applicable | 39.333% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx No active judgments or liens have been found. The combined annual taxes for the year xxxx have been paid in the amount of $xxxx.xx. The school annual taxes for the year xxxx have been paid in the amount of $xxxx.xx. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx. <br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found. <br> No evidence has been found for damage or repairs.<br> BWR receives xx <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 39.33%. The tape shows the lender did not establish three years of continuous retirement distribution income. Review shows lender also miscalculated rental income and the revised DTI is 67.40%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR rxx | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) "Compliance ease TRID tolerance test incomplete due to initial closing disclosure is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2024 and the SOL is 1 year."<br> \* Missing Initial Closing Disclosure (Lvl 3) "Initial CD is missing from loan file." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 53571136 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | ???.?? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 53.103% | 53.103% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 703 | 712 | 49.650% | First | Short Form Policy | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The annual city & county taxes for xxxx (Parcel xx) were paid in the total amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual city & county taxes for xxxx (parcel xx are delinquent in the total amount of $xxx.xx, which was due on xx/xx/xxxx and which are payable through xx/xx/xxxx. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape data, the property is owner-occupied.<br> The comment dated xx/xx/xxxx shows that the recast MOD was received. The comment dated xx/xx/xxxx shows that the recast was completed. <br>BWRx has x.x years xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Transmittal (xxxx) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report is as is, and the photo addendum shows the repairs or improvements to the bathroom were not fully completed. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate."<br> \* Transmittal (1008) is Missing (Lvl 3) "Final transmittal summary is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject was approved at 49.65%. The tape shows rental income miscalculation by the lender. The revised DTI is 57%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR1 has 1.5 years on the job as a xx |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 87625069 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | 3 Family | xx | xx | Primary | Yes | Yes | No | 754 | Not Applicable | 49.840% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No bankruptcy details have been found.<br> Unable to determine the current occupancy of the subject property.<br> No damage or repairs have been found.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject was approved at 49.84%. Tape shows undisclosed auto debt with a monthly payment of $427. The revised DTI is 51.58%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 2.75 years on the job as a design strategist at xx |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 26310222 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 721 | Not Applicable | 49.044% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. No active judgments or liens have been found. The combined annual taxes for the year xxxx were paid in the amount of $xxxx.xx on xx/xx/xxxx. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI) which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found. <br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "Subject was approved as OO. Tape indicates that the property is NOO as BWR never occupied the subject property. Further details not provided. Elevated for client review." | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase case that originated on xx/xx/2024, and the 1-year SOL is active."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails Compliance Ease delivery and timing test for Revised Closing Disclosure dated xx/xx/2024. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2024 which is after the consummation date xx/xx/2024."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2023 does not reflect Survey Fee. CD dated xx/xx/2024 reflects Survey Fee at $450.00. This is an increase in fee of +$450.00 for charges that cannot increase. Valid COC is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/2024, and the 1-year SOL is active."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 49.04%. Tape shows an income miscalculation over the BWR bonus and the subject is NOO as BWR never occupied the subject property causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 3 years on the job as a xx |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 57706992 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 68.254% | 68.254% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 766 | 783 | 48.520% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The combined annual taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner occupied.<br> BWRx has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan failed Compliance Ease delivery and timing test for revised closing disclosure dated xx/xx/2024. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2024 which is on the Consummation date xx/xx/2024."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "This loan failed the late fees test.<br> Late fee calculated at $141.24 exceeds the threshold of $100.00 by $41.24."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows lock fallout. Further details are not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 20500393 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 781 | 819 | 49.728% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The combined annual taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner occupied.<br> BWRx has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "ComplianceEase exception failed the reimbursement amount validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. The initial loan estimate dated xx/xx/2024 reflects verification fee of $145.00. The final CD dated xx/xx/2024 reflects verification fee of $278.00. This is an increase in fee of +$133.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case that originated on xx/xx/2024; the SOL is 1 year active."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the loan is unsalable as the BWR intended to sell the property, and the property was never sold. Further details not provided." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 85842799 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 79.212% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 700 | Not Applicable | 33.919% | First | Final policy | Not Applicable | xxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a junior active mortgage against the subject property in favor of xx<br> Annual county taxes for the year xxxx are due on xx/xx/xxxx in the amount of $x,xxx.xx.<br> Annual county taxes for the year xxxx were paid on xx/xx/xxxx in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. <br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "The tape shows the condo project is not accepted. Further details not provided. The condo questionnaire in the file reflects a special assessment of roof replacement, totaling an amount of $42K, and the HOA is involved in active litigation and the total claim amount is $30K. Zillow search shows an estimated value of $237K. Current UPB is $177K." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 33.91%. The tape reflects an increased DTI of 36.00%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 6 months on the job as a xx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 8702064 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Wisconsin | xx | xx | xx | Wisconsin | xx | xx | No | Yes | Not Applicable | Second |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 120 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 104.189% | 104.189% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 37.963% | Second | Unavailable | xxxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is an active prior mortgage against the subject property in favor of xx<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows income used for qualification exceeded the maximum compliance income allowed by WHEDA. Further details not provided." |  | \* LTV / CLTV > 100% (Lvl 1) "Collateral value used for underwriting is $210,000.00. Amount of secondary lien is $12,600.00. Superior loan amount is $206,196.00. LTV is 6.00% and CLTV is 104.189%. Current UPB is $10K." |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 81358413 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Minnesota | xx | xx | xx | Minnesota | xx | xx | No | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 742 | 740 | 43.998% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The xst and xnd installments of county taxes for xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> The reason for default is unable to determine.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape, the subject property is owner occupied.<br> BWRx has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "Tape shows appraised value of $420K at closing is not supported as field review report reflected a lower value of $375K. The appraisal report shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $420K. Comp #3, with a sales price of $392K, is closest to the subject property. Zillow search shows an estimated value of $419K. Current UPB is $384K. Further details not provided." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 does not reflect Points - Loan Discount Fee. CD dated xx/xx/2022 reflects Points - Loan Discount Fee at $1,619.55. This is an increase in fee of +$1,619.55 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br>The subject loan is a purchase, originated on xx/xx/2022 and the 1-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 3478009 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 74.855% | 74.855% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 776 | 710 | 49.979% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual school taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWRx has xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) "TRID tolerance test is incomplete as the initial CD is missing from loan documents. The subject loan is a purchase case, originated on xx/xx/2024, and the SOL is 1 year."<br> \* Missing Initial Closing Disclosure (Lvl 3) "The initial closing disclosure is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 50.16%. Tape shows undisclosed debt with a monthly payment of $1,440. Further details not provided. BWR defect. The subject originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 4.66 years on the job as a xx |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 50869863 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Kansas | xx | xx | xx | Kansas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 778 | Not Applicable | 41.551% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The xst installment of county taxes for xxxx was paid in the total amount of $xxx.xx on xx/xx/xxxx.<br> The xnd installment of county taxes for xxxx is due in the total amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed for bankruptcy since loan origination.<br> As per tape, the subject property is owner-occupied.<br> BWR has xx <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "This loan failed the Kansas license validation test."<br> \* Property Marketability Issues (Lvl 3) "Tape and the appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $150K. Comp #3, with a sales price of $147K, is closest to the subject property. Zillow search shows an estimated value of $167K. Current UPB is $141K. Further details not provided." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Not Covered | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 47266896 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Missouri | xx | xx | xx | Missouri | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 50.012% | 50.012% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 761 | 745 | 47.989% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active liens and judgments have been found.<br> The annual county taxes for xxxx were paid in the amount of $xxx.xx.<br> No prior year's delinquent taxes have been found. | As per the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> As per the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy from collection comments. <br> BWRx and BWRx xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 47.98%. Tape shows rental income miscalculation as the lender did not obtain supporting documents. Revised DTI 55.11%. Lender defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR1 and BWR2 have been xx | \* ComplianceEase State Regulations Test Failed (Lvl 3) "The loan failed the state regulation for the first lien prohibited fees test. <br> The following fees were included in the test:<br> Processing Fee paid by Borrower: $350.00<br> Underwriting Fee paid by Borrower: $565.00." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 96750535 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 756 | 759 | 30.125% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The xst and xnd installments of county taxes for xxxx were paid in the total amount of $xx,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br>BWRx has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "As per the tape and appraisal, the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $710K. Market value of the subject property ($710K) is closest to the adjusted sales price ($690K) of comparable #1. Zillow search shows an estimated value of $781K. Current UPB is $561K." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved at 30.13%. Review of files shows BWRs were on leave at the time of closing and there was no return to work docs in file. Further details not provided. Lender defect. Subject originated 11/3/23 and the 3 year SOL is active. BWR1 has 2 years as a xx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 84323873 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Missouri | xx | xx | xx | Missouri | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 97.375% | 97.375% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 806 | Not Applicable | 36.555% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> The annual installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI) which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. <br>| Collections Comments:The loan is currently performing. According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx. The post-closing details regarding the foreclosure and bankruptcy have not been found. No details pertaining to the damage to the subject property have been observed.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Right of Rescission | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3) "The loan failed the state regulation for the first lien prohibited fees test. The following fees were included in the test:<br> Processing Fee paid by Borrower: $400.00<br> Underwriting Fee paid by Borrower: $595.00."<br> \* Property Marketability Issues (Lvl 3) "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $320K. Market value of the subject property ($320K) is closest to the adjusted sales price ($325K) of comparable #1. Zillow search shows an estimated value of $336K. Current UPB is $311K."<br> \* Right of Rescission missing or unexecuted (Lvl 3) "Right of rescission is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 15492106 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 50.617% | 50.617% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 761 | 729 | 49.670% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx/xx/xxxx and recorded on xx/xx/xxxx in the amount of $xxx,xxx.xx with xx<br> No active judgments or liens have been found.<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. xx<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage. <br> BWR has x.xx years on the xx<br> BWRx has x.xx years on the job as a fxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails QM lending policy points and fees test due to fees charged $8,559.65 exceeds fees threshold of $5,847.76 over by +$2,711.89<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $906.00<br> Points - Loan Discount Fee paid by Borrower: $5,963.65<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $995.00"<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $8,559.65 exceeds fees threshold of $5,847.76 over by +$2,711.89. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $906.00<br> Points - Loan Discount Fee paid by Borrower: $5,963.65<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $995.00" | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 49.67%. The tape shows income miscalculation as the lender did not average variable income. Review shows the revised DTI is 57.88.%. Lender defect. Further details not provided. The subject originated on xx/xx/2024, and the 3-year SOL is active. xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 does not reflect points - loan discount fee. CD dated xx/xx/2024 reflects points - loan discount fee at $5,963.65. This is an increase in fee of +$5,963.65 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/2024 axx |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 3744603 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | ????.? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 636 | Not Applicable | 36.845% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for xxxx was paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx has been delinquent in the amount of $x,xxx.xx, which is good through date xx/xx/xxxx. | As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. As per the tape data UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. As per the tape data UPB is $xxx,xxx.xx. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. No details pertaining to the damage to the subject property have been observed.<br> BWR has xx.xx years on the job as axx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial xxxx_Application<br> Missing DU/GUS/AUS<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "Loan failed qualified mortgage APR threshold test due to APR calculated 9.164% exceeds APR threshold of 9.130% over by +0.034%."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan failed GSE (Fannie Mae public guidelines) QM APR test due to APR calculated 9.164% exceeds APR threshold of 9.130% over by +0.034%."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape and Infinity compliance report shows the loan failed the HPML test. The subject loan is escrowed. Further details not provided."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) "The AUS report is missing from the loan documents."<br> \* Missing Initial 1003_Application (Lvl 3) "Initial application signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Home loan toolkit is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.198% exceeds APR threshold of 8.380% over by +0.818%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed qualified mortgage safe harbor threshold test due to APR calculated 9.164% exceeds APR threshold of 8.380% over by +0.784%. Subject loan is escrowed." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 66766463 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 38.462% | 38.462% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 696 | 690 | 22.680% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was xx<br> No active judgments or liens were found.<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx% and the UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The UPB is $xxx,xxx.xx.<br> Unable to determine the reason for default. <br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the foreclosure proceedings. <br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR has x.xx years on the job as a supervisor xx<br> BWRx has x.xx years on the job as a surgical assistant at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | ARM Rider<br> Initial xxxx_Application<br> Missing DU/GUS/AUS<br> Note<br> Transmittal (xxxx) | xx | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4) "Tape and file show subject note is defective. Subject loan closed as an ARM. Note is fixed. Reaching out to counsel for remediation." | \* ComplianceEase Exceptions Test Failed (Lvl 3) "The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan failed delivery date test for revised CD dated xx/xx/2023. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2023 which is after the consummation date xx/xx/2023."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2023 reflects appraisal fee at $550.00. CD dated xx/xx/2023 reflects appraisal fee at $685.00.<br> Loan estimate dated xx/xx/2023 reflects credit report fee at $100.00. CD dated xx/xx/2023 reflects credit report fee at $184.00.<br> This is a cumulative increase in fee of $219.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject is a purchase case originated on xx/xx/2023, and the 1-year SOL is active."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) "AUS report is missing from the loan documents."<br> \* Missing Initial 1003_Application (Lvl 3) "Initial application signed by the loan originator is missing from the loan documents."<br> \* Mortgage - Missing required ARM Rider (Lvl 3) "ARM rider is missing from the loan file."<br> \* Transmittal (1008) is Missing (Lvl 3) "Final 1008 is missing from the loan documents. Post-close 1008 with different loxx |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 89610076 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.188% | 98.188% | Full Documentation | No | xx | xx | Not Applicable | Unavailable |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 627 | 598 | 48.649% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx/xx/xxxx and recorded on xx/xx/xxxx in the amount of xx The subject mortgage was re-recorded on xx/xx/xxxx to correct the FHA case number. <br> There is a xx lien against the xx recorded on xx/xx/xxxx. SSN and property address are not provided in the supporting document. The defendant's name mentioned on the supporting document is consistent with borrower's name.<br> There are three credit card judgments and one civil judgment against the BWR "xx<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> The RFD is unable to be determined. <br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWRx has x months on the job as a transportation IxU with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance<br> Transmittal (xxxx) | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject was approved at 48.64%. Tape shows miscalculation of gift funds. Review of the file shows bank statements, a gift letter missing from the loan documents, and a cash-to-close requirement is $11K. Further details not provided. Lender defect. The subject loan originated on xx/xx/2019, and the 3-xxths on the job as a transportation specialist at xxK equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "Loan failed FHA QM Safe Harbor threshold test due to APR calculated 6.890% exceeds APR threshold of 6.664% over by +0.226%. <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 6.890% exceeds APR threshold of 6.170% over by +0.720%."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2018 does not reflect Rate Lock Fee. Final CD dated xx/xx/2019 reflects Rate Lock Fee at $1,994.00. This is an increase in fee of +$1,994.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/2019, axx<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 6.890% exceeds APR threshold of 6.170% over by +0.720%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed the MD COMAR higher-priced mortgage loan test due to an APR calculated at 6.890% exceeds APR threshold of 6.170% over by +0.720%. <br>."<br> \* MI, FHA or MIC missing and required (Lvl 2) "FHA mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 48.64% as the borrower's income is $9,868.66 and total expenses are in the amount of $4,801.03 and the loan was underwritten by Dxx<br> \* Transmittal (1008) is Missing (Lvl 2) "Final transmittal summary is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 78987039 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 74.215% | 74.215% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 757 | 755 | 49.944% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx<br> No active judgments or liens have been found.<br> The annual combined taxes for xxxx were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI) and was applied to the due date of xx/xx/xxxx. The monthly P&I is $x,xxx.xx, and the interest rate is x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br>BWRx has x.xx years on the job as a firefighter with thexx<br> BWRx has been SE for x.x years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 49.94%. Tape shows lender missed the undisclosed student loan debt with a monthly payment of $125 that was opened prior to closing. Revised DTI is 51.31%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, a xxWR1 has 4.58 yearsxx BWRxx |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 80469061 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | ? | ??? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 810 | 691 | 49.909% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual combined taxes for xxxx were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> As per the tape data, the subject property is owner-occupied.<br> No information has been found related to damage or repairs.<br>BWRx has been SE for x.xx years at xx<br> BWRx has been SE for x.xx years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 49.90%. Tape shows an undisclosed HOA debt of REO with a monthly payment of $85. Revised DTI is 50.18%. Further details not provided. BWR defect. The subject loan orixxor 3.41 yeaxx |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 90363091 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 710 | 706 | 41.186% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.x% | xxxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for xxxx were paid in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied on xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing loan files, the current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The comment dated xx/xx/xxxx shows that the RFD is death in the borrower's family.<br> The comment dated xx/xx/xxxx shows that the subject property is occupied by the owner. <br> The loan was modified on xx/xx/xxxx. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWRx has x months on the job as a xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower and the lender on xx/xx/xxxx. As per the modified term, the new principal balance is $xxx,xxx.xx. The monthly P&I is $x,xxx.xx with an interest rate of x.xx% beginning on xx/xx/xxxx and a maturity date of xx/xx/xxxx. There is no deferred balance and principal forgiven amount. |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 39.77%. Tape shows BWxx<br> \* Cash out purchase (Lvl 2) "The subject loan is a purchase case. Final CD dated xx/xx/2022 reflects cash to in the amount of $109.33." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 85840727 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ??? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 47.619% | 47.619% | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 753 | Not Applicable | 48.419% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The combined annual taxes for xxxx were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xx,xxx.xx.<br> The reason for the default is not available.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the current condition and occupancy of the subject property.<br> BWR has been SE for x years atxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report is as is, and the tape and appraisal report show the property needs repairs to the rotten wood on the exterior of the home. The estimated cost to cure is not available in the loan file. The 1004D completion report is missing from the loan documents, and the final CD does not reflect the escrow holdback amount." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 71017599 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Not Applicable | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 55.000% | 55.000% | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was xx<br> No active judgments or liens were found.<br> The xxxx county annual taxes were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> The occupancy of the subject property is unable to be determined. <br> No information has been found related to damage or repairs.<br>BWR is a legal entity, and the subject loan was xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Subject loan closed with BWR as an xx |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 44503647 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | ? | ?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.?% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 805 | Not Applicable | 43.396% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a prior credit card judgment against the borrower in xx<br> The first and second installments of county taxes for xxxx/xxxx are due in the amount of $xx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx(PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history tape data is $xxx,xxx.xx.<br> As per the seller's tape, the subject property is owner occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> Unable to determine the reason for the default.<br> No post-close bankruptcy record has been found.<br> BWRx has xx.xx years on the job as xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 43.39%. Tape and file show miscalculation as lender treated mortgage as monthly when it should be bi-weekly. The revised DTI is 59.35%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-yxx BWR1 has 19.41 years on the joxx th xx | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 82048849 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 65.000% | 65.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 744 | 762 | 38.334% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for xxxx has been paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per payment history is $xx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xx,xxx.xx.<br> As per the tape data the subject property is owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.xx years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject loan is not eligible for cash-out refinance as the subject property is a single wide MH. Further details not provided." | \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.550% exceeds APR threshold of 7.900% over by +0.650%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed Qualified Mortgxx lculated 8.376% exceeds APR threshold of 7.900% over by +0.476%."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property is Manufactured Housing (Lvl 2) "Home is affixed. As per the appraisal report, which is located at "xx subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "xx home with serial #xx |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 18910160 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Minnesota | xx | xx | xx | Minnesota | xx | xx | No | Yes | Not Applicable | First |  | ? | ??? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 102.692% | Full Documentation | Yes | xx | xx | 16.000% |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 728 | Not Applicable | 39.209% | First | Final policy | Not Applicable | xxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a junior mortgage against the subject property that was originated on xx<br> The first and second installments of county taxes for xxxx are due in the amount of $xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/xxxx, and the first payment is due on xx/xx/xxxx. According to payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current P&I is $x,xxx.xx and the interest rate is x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> PH shows the principal adjustment on xx/xx/xxxx in the amount of $x,xxx.xx. | Collections Comments:The loan was originated on xx/xx/xxxx, and the first payment is due on xx/xx/xxxx. According to payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per the seller's tape, the subject property is owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.xx years on the job as axxr at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The subject loan approved at a CLTV of 102.692% exceeds the CLTV threshold of 95% for manufactured housing. Further details not prxx<br> \* Property is Manufactured Housing (Lvl 3) "As per the appraisal report, which is located at "xx" state that the manufactured home with serial # xx. TPOL schedule B shows an exception for prior affidavit of affixation recorded on xx/xx/2019." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 12524526 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 747 | 768 | 39.751% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a UCC judgment against the borrower in favor of xx<br> The first installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual utilities/MUD charges for xxxx were paid in the amount of $xx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx(PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the seller's tape, the subject property is owner occupied.<br> As per the comment dated xx/xx/xxxx, the reason for default is excessive obligation. <br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWRx has x years on the job as a quality control computer operator with US Pharma Lab. <br> BWRx has x months on the job as a database axx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3) "This loan failed the state regulations for the prohibited fees test. The below fees were included in the test: Courier Fee paid by Seller: $50.00 xx 75.00 Seller Attorneys Fee paid by Seller: $2,358.90 Sewer BILL paid by Borrower: $99.82 Sewer Bill paid by Seller: $99.82 Title - Tax Report paid by Borrower: $40.00 Title Closing Protection Letter paid by Borrower: $75.00 Title Transaction Management paid by Borrower: $40.00 Warehousing Fee paid by Borrower: $40.00."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 39.75%. Tape shows BWR2 was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-yearxx |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 30740647 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 734 | 734 | 38.387% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The combined annual taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> The occupancy of the subject property is unable to be determined.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWRx has x months on the job as an IR tech at xx<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan is NOO and was approved at 38.38%. Tape shows BWR was not employed at the time of closing. BWR defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. Bxx |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 30274828 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ????.?? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.600% | 90.600% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 724 | 712 | 49.556% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The annual combined taxes for xxxx have been delinquent in the amount of $x,xxx.xx which were due on xx/xx/xxxx and good through xx/xx/xxxx.<br> The annual combined taxes for xxxx and xxxx were paid in the total amount of $xx,xxx.xx on xx/xx/xxxx and xx/xx/xxxx. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWRx has x months on the job as an xx<br> BWRx has x months on the job as a xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 49.55%. Tape shows undisclosed debt with monthly payments of $628. Revised DTI is 55.38%. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. Bxx<br> \* Cash out purchase (Lvl 2) "The subject loan is a purchase case. The final CD dated 0xx/xx/2023 reflects cash to the borrower in the amount of $248.17."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "TRID violation due to decrease in lender credit on Closing Disclosure dated xx/xx/2023. Initial LE dated xx/xx/2023 reflects lender credit at $8,430. Final CD dated 0xx/xx/2023 reflects lender credit at $7,724.10. This is decrease of +$705.90 for fee which has 0% tolerance test. Valid COC for the decreasxx<br> The subject loan is a purchase case, originatexx |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 45707348 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | 93.177% | 93.177% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 617 | 735 | 49.402% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> Annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year delinquent taxes have been found.<br>| According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. No details pertaining to the damage to the subject property have been observed.<br>BWRx has x.xx years on the job as a xx<br> BWRx has x.xx years on the job as axx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject loan closed with 91.57% LTV using an appraised value of $235K does not meet FHA guidelines as the subject loan is being refinanced within a year. Using the purchase price of $215K LTV increases from 91.57% to 100%."<br> \* MI, FHA or MIC missing and required (Lvl 3) "FHA mortgage insurance certificate is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 37380914 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 670 | 673 | 49.942% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual utility/MUD charges for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual utility/MUD charges for xxxx are delinquent in the amount of $x,xxx.xx, with the good-through date of xx/xx/xxxx. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx. <br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWRx has xx.xx years on the job xx<br> BWRx has xx.xx years on the job xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) "TRID tolerance test is incomplete due to the initial CD missing from loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject loan shared an AUS/LP key with another file that closed simultaneously for the same borrower, different property. Review shows BWR was refinancing departing residence at same time of subject mortgage. Lender properly included PITI and rental income from departing residence."<br> \* Missing Initial Closing Disclosure (Lvl 3) "Initial closing disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 74938097 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Louisiana | xx | xx | xx | Alabama | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | 99.991% | 99.991% | Full Documentation | Yes | xx | xx | 25.000% | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 771 | 772 | 47.897% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx/xx/xxxx in favor o fxx The annual county taxes for xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx. No foreclosure activity has been found. No post-close bankruptcy record has been found. No information has been found regarding the forbearance plan. No information has been found regarding damages. As per the tape data, the property is owner-occupied. BWRx receives pension xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase TILA Test Failed (Lvl 3) "Loan failed TILA finance charge test. Finance charge disclosed on final CD as $443,722.64. Calculated finance charge is $443,872.64 for an under disclosed amount of -$150.00. Subject loan is a refinance case, originated on xx/xx/2024 and the 3-year SOL is active. Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final CD as $443,722.64. Calculated finance charge isxx<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject loan does not meet VA net tangible benefit requirements for a refinance loan. Purpose of loan was to avoid the prior default. Further details not provided."<br> \* Revised Loan Estimate is missing (Lvl 3) "Revised LE dated xx/xx/2024 and xx/xx/2024 are missing from the loan documents." |  |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 24577866 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 93.548% | 93.548% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 814 | Not Applicable | 49.466% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The first installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per the comment dated xx/xx/xxxx, the reason for default is servicing problems.<br> As per the comment dated xx/xx/xxxx, the subject property is owner-occupied.<br> No comments have been found for damage or repairs.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR started a new job on xx/xx/xxxx as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 49.46%. Tape shows income not supported as the BWR qualified witxxd. Revised DTI is 98.48%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR started a new job on xx/xx/2023 as a rxxption and $34K equity in the subject.<br>Downgrade to LVL2 based on PH." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 32313554 | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 78.679% | 78.679% | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | No | No | 632 | 714 | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxxx.x | xx/xx/xxxx | Financial Hardship | As per review of Pro Title Report dated xx/xx/xxxx, the subject mortgage was originated on x/xx//xxxx in favor of xx<br> Chain of the assignment is incomplete. Currently, it is the lender xx<br> The subject mortgage is in first lien position.<br> No active judgment or liens found against the borrower.<br> Combined xst & xnd installment taxes for the year xxxx is paid in the amount of $ xxxx.xx.<br> Combined xst installment taxes for the year xxxx is due until xx/xx/xxxx in the amount of $xxxx.xx.<br> Combined xnd installment taxes for the year xxxx is due until xx/xx/xxxx in the amount of $xxxx.xx.<br> No prior years delinquent taxes found. | Review of updated payment history as of xx/xx/xxxx, the borrower is current with the loan and next due is for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount $xxxx.xx, which was applied to xx/xx/xxxx. The current UPB is reflecting in the amount of $xxxxxx.xx | Collections Comments:The current legal status of the loan is performing and is due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount $xxxx.xx, which was applied to xx/xx/xxxx. The current UPB is reflecting in the amount of $xxxxxx.xx <br> The loan has been modified only once since origination time on xx/xx/xxxx. <br> The reason for default is excessive obligations. <br> Borrower ability seems Good as struggling to make payments since but it could get to better if an affordable restructure plan to put in place. And borrower wants to keep the property and willing to do some workout plan like modification or forbearance to make the loan current. Borrower contact is established.<br> Servicing comments and loan filed doesn't reflect any Foreclosure activity.<br> PACER report also doesn't show bankruptcy record for the said borrower.<br> No comments pertaining damage to the property were observed.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan modification agreement was made between the borrower xx or servicer xxhe new modified principal balance is $xxx,xxx.xx. This modification agreement has three steps starting at the rate is x.xxx % and with the P&I of $xxxx.xx. Payments begin from xx/xx/xxxx and the stated maturity date is xx/xx/xxxx. <br> The agreement does not consist the provision for the balloon payment. | Credit Application | xx | 3: Curable |  | \* Lost Note Affidavit (Lvl 3) "A Lost Note affidavit located in the loan file at "xx wever copy of Note also found in the loan file." | \* Application Missing (Lvl 2) "Final 1003 application is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 48819550 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 89.080% | 89.080% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 713 | 732 | 49.410% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a State of xx<br> The annual county taxes for xxxx were paid in the amount of $xx,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. <br> BWRx has x years on the job as a general manager xx<br> BWRx has x months on the job as a sales manager xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock |  | 3: Curable |  | \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counseling disclosure is missing from loan documents."<br> \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3) "Initial closing disclosure is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Settlement services provider list is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 49.41%. Tape shows income miscalculation as dividend income was declining. Review shows DTI 64.90%. Lender defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWxxty in the subject."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "TRID tolerance test is incomplete as the initial CD is missing from loan documents. Subject loan is purchase case, originated on xx/xx/2023 and the 1-year SOL is expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 20295823 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.??% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 48.980% | 48.980% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 804 | 807 | 49.851% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a prior IRS lien against the borrower in favor of xx<br> The xst and xnd installments of county taxes for xxxx-xxxx have been paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/xxxx, and the first payment date is xx/xx/xxxx. According to payment history tape data as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%. The UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. The loan was originated on xx/xx/xxxx, and the first payment date is xx/xx/xxxx. According to payment history tape data as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current P&I is $x,xxx.xx, and the interest rate is x.xxx%. The UPB is $xxx,xxx.xx. No post-close bankruptcy record has been found. No details pertaining to the damage to the subject property have been observed. As per the tape data, the property is owner-occupied. BWRx has x.xx years on the job as a xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 49.85%. Tape shows variable income is not supported by 2 years of history. Further details not provided. Lender defect. The subject loan originated on xx/xx/2025, and the 3-yeaxx |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 92014440 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | Yes | 740 | Not Applicable | 48.998% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx(PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history tape data is $xxx,xxx.xx.<br> As per the seller's tape, the subject property is owner occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.xx years on the job as a xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows wind coverage on master insurance is insufficient since it does say "replacement cost." The master policy does not reflect replacement cost or wind coverage information. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 15241506 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 80.769% | 80.769% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 637 | 720 | 42.242% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for xxxx was paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWRx has x.xx years on the job xx<br> BWRx has x months on the job xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows compliance violation. Further details are not provided. Infinity compliance results show that this loan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "This loan failed the TRID initial closing disclosure date and the date the creditor received the application validation test due to this loan containing an initial closing disclosure receipt date of xx/xx/2024 that is before the date the creditor received the application date of xx/xx/2024."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "This loan failed the brokerage/finder fee test due to the mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Fail | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 17161484 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | Not Applicable | xx | Primary | Yes | Yes | No | 778 | Not Applicable | 39.263% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The xst and xnd installments of county taxes for the xxxx supplemental were paid in the total amount of $xxx.xx on xx/xx/xxxx.<br> The xst installment of county taxes for xxxx was paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The xnd installment of county taxes for xxxx is due in the total amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.xx years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock<br> Missing Required Disclosures | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The subject loan closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated vxx<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counseling disclosure is missing from loan documents."<br> \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3) "The initial CD is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "The settlement services provider list is missing from the loan documents.<br> Home loan toolkit is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "Tape shows an ineligible condo project. Review of the condo questionnaire shows a deferred maintenance schedule for wood siding replacement and full building fumigations for termites scheduled for 2024. The estimated amount for repair is $3,850 per unit. 1004D or the inspection report for the completion of pest inspection treatment is missing from the loan documents. Further details not provided." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 39.26%. The tape reflects an increased DTI of 42.10%. Further details are not provided. The subject loan originated on xx/xx/2024, and the 3-yxx<br> \* Cash out purchase (Lvl 2) "The subject loan is a purchase case. The final CD dated xx/xx/2024 reflects cash to in the amount of $1,389.41."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "TRID tolerance test is incomplete as the initial CD is missing from loan documents. Subject loan is purchase case, originated on xx/xx/2024 and the 1-year SOL is expired." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 5629975 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 17.937% | 17.937% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | No | Not Applicable | Unavailable | 786 | 778 | 17.332% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the reason for default.<br> As per tape data, the subject property is owner occupied.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWRx has x.xx years xx<br> BWRx has x years xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Flood Certificate<br> HUD-x Closing Statement<br> Initial Escrow Acct Disclosure<br> Missing Initial Closing Disclosure<br> Missing Initial LE<br> Missing or error on the Rate Lock<br> Missing Required Disclosures<br> Notice of Servicing Transfer |  | 3: Curable |  | \* Closing_Disclosure violations (Lvl 3) "Revised CD dated xx/xx/2024 is missing from the loan documents. Post-CD dated xx/xx/2025 is missing from the loan documents."<br> \* Compliance Testing (Lvl 3) "Tape shows exceeds QM points and fees 3% limit by roughly $922.00. Infinity did not test CE on this loan as LE and CD are missing from loan documents."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counseling disclosure is missing from loan documents."<br> \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final closing disclosure is missing from the loan documents."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) "Initial escrow account disclosure signed by the borrower is missing from the loan documents."<br> \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing flood cert (Lvl 3) "Flood certificate is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3) "Initial CD dated xx/xx/2024 is missing from the loan documents."<br> \* Missing Initial LE (Lvl 3) "Initial LE dated xx/xx/2024 is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Settlement services provider list is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 3) "Servicing transfer disclosure is missing from the loan documents." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 18701833 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 802 | 694 | 40.555% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a prior state tax lien against the borrower in favor of xx<br> There are x prior credit card judgments and x civil judgments against the borrower xx<br> The annual installment of city taxes for xxxx has been paid in the amount of $x,xxx.xx.<br> xst installment of city tax for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> xnd installment of city tax for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the tape data, the subject property is owner-occupied. <br> No bankruptcy details have been found. <br> No damage or repairs have been found. <br> BWRx receivesxx<br> BWRx has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "The subject was approved as OO. Tape shows there are issues with occupancy. Further details not provided. Elevated for client review." | \* ComplianceEase State Regulations Test Failed (Lvl 3) "Loan failed the state regulations for the prohibited fees test. The following fees were included in the test: Attorney's Fee paid by Seller: $1,800.00 xx ,500.00 xx paid by Se xx paid by Borrower: $75.00 Wire Transfer Fee paid by Seller: $60.00." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 40.55%. Tape shows there are issues with occupancy causing lender to omit BWR primary hoxxuity in the subject." |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 22254666 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 18.648% | 18.648% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 796 | 592 | 40.566% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> xst installment of county taxes for xxxx/xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> xnd installment of county taxes for xxxx/xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per tape data, the subject property is owner occupied.<br> No foreclosure activity has been found.<br> No bankruptcy details have been found.<br> No damage or repairs have been found.<br> BWRx has x.xx yearsxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* GSE Points and Fees Test Violations (Lvl 3) "Loan failed the GSE xx<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $2,308.80<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $1,095.00.<br>Lxx s test due to fees charged $4,098.80 exceed fees threshold of $3,914.00 over by +$184.80.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $2,308.80<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $1,095.00."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing proof of hazard insurance (Lvl 3) "Hazard insurance policy is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 40.56%. Tape shows BWR2 was not employed at the time of closing. BWR1 income notxxthe subject." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 75169659 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Commercial | Fixed |  | Cash Out | 70.000% | 70.000% | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 732 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/xxxx with the first payment date of xx/xx/xxxx. As per the payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx, and the current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> The loan was originated on xx/xx/xxxx with the first payment date of xx/xx/xxxx. As per the payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx, and the current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found in the loan files. <br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR is anxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report is as-is. The supplemental and the photo addendum show cracks on the interior of the home, which indicate foundation settlement. The estimated cost to cure is $500.00. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* Loan does not conform to program guidelines (Lvl 3) "Subject approved as NOO. Tape shows the property was listed for sale within 6 months of closing and has been delisted now. Further details not provided. Zillow search shows an estimated value of $173K. Current UPB is $119K." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $500.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 61190697 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 98.189% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 745 | Not Applicable | 56.369% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for xxxx/xxxx are paid in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found. | The loan originated on xx/xx/xxxx, and the first payment date is xx/xx/xxxx. According to payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB as per payment history is $xxx,xxx.xx. | Collections Comments:The loan is currently performing.<br> The loan originated on xx/xx/xxxx, and the first payment date is xx/xx/xxxx. According to payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB as per payment history is $xxx,xxx.xx. <br> No post-close bankruptcy record has been found.<br> No details pertaining the damage to the subject property have been observed.<br> As per seller tape, the subject property is owner occupied.<br> BWR has x.xx years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 56.36%. Tape shows the omission of mortgage debt by the lender. Revised DTI is 66.98%. Further details not provided. Lender defect. Subject loan originated on xx/xx/2025, and the 3-year SOL is active. BWxx ity in the subject and $3xx | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2025 reflects Points - Loan Discount Fee at $194.00. Final CD dated xx/xx/2025 reflects Points - Loan Discount Fee at $4,230.00. This is an increase in fee of +$4,036.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan ixx<br> TRID violation due to decrease in lender credit on Closing Disclosure dated xx/xx/2025. Initial CD dated xx/xx/2025 reflects lender credit at $465.41. Final CD dated xx/xx/2025 reflects lender credit at $0.00. This is decrease of +$465.41 for fee which has 0% tolerance test. Valid COC for the decrease in xx<br> \* MI, FHA or MIC missing and required (Lvl 3) "FHA mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 21685947 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 94.000% | 94.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 741 | 772 | 39.530% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for xxxx was paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | The subject mortgage originated on xx/xx/xxxx, and the first payment date is xx/xx/xxxx. As per the payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current P&I is $x,xxx.xx and interest rate is x.xxx%. The UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> The subject mortgage originated on xx/xx/xxxx, and the first payment date is xx/xx/xxxx. As per the payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current P&I is $x,xxx.xx and interest rate is x.xxx%. The UPB is $xxx,xxx.xx.<br> No post-close bankruptcy record has been found.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> BWRx has been SE for x.xx years with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 39.53%. Tape shows SE income miscalculation, as the lender used only a 1-year tax return. Revised DTI 68.27%. Lender defect. The subject loan originated on xx/xx/2025, and the 3-year SOL is active. BWR1 has beenxx | \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSExx<br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $1,075.00<br> Mortgage Broker Fee (Indirect) $10,791.20<br> Points - Loan Discount Fee paid by Borrower: $10,062.79<br>Loan failed qualified mortgage lending policy points and fees test due to fxx<br> Administration Fee paid by Borrower: $1,075.00<br> Mortgage Broker Fee (Indirect) $10,791.20<br> Points - Loan Discount Fee paid by Borrower: xx |  |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 25954116 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 797 | Not Applicable | 38.770% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. Details of the last payment received are not available. As per the tape, the current P&I is $x,xxx.xx and interest rate is x.xxx%. The UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The UPB is $xxx,xxx.xx.<br> As per tape data, the subject property is owner-occupied.<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.x years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 38.77%. Tape shows overtime income miscalculation. Revised DTI is 68.10%. Further details not provided. Lender defect. Subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has xx | \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSExx<br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $10,737.38<br> Points - Loan Discount Fee paid by Borrower: $2,467.64<br>Lxx<br> The following fees were included in the test:<br> Mortgage Broker Fee (Indirect) $10,737.38<br> Points - Loan Discount Fee paid by Borrower: $xx |  |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 81421778 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 102.116% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 691 | Not Applicable | 43.855% | First | Final policy | Not Applicable | xxxxx | Not Applicable |  |  |  |  |  |  | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a junior mortgage against the subject property that was originated on xx<br> The first, second, third, and fourth installments of county taxes for xxxx were paid in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/xxxx with the first payment date of xx/xx/xxxx. As per the tape as of xx/xx/xxxx, the next due date is xx/xx/xxxx, and the current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> The loan was originated on xx/xx/xxxx with the first payment date of xx/xx/xxxx. As per the tape as of xx/xx/xxxx, the next due date is xx/xx/xxxx, and the current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx.<br> No evidence of damage or repair has been found in the loan files. <br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR has been xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  | Affiliated Business Disclosure<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges in total cannot increase more than 10% in the tolerance test. The LE dated xx/xx/2025 reflects the sum of Section C fees and recording fees at $92.40. CD dated xx/xx/2025 reflects the sum of Section C and the recording fee at $126.00. This is a cumulative increase of +$33.60 for charges that in total cannot increase more than 10% in the test. COC for the increase in fee is missing from the loan documents. The subject loan ixx<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counseling disclosure is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the subject property was flipped and was not seasoned for 91 days. The review of the appraisal report shows the date of prior sales or transfers is xx/xx/2024, and the price of the prior sale or transfer was $357K. The current sale price is $475K. No major renovations were done to the property.xx<br> \* MI, FHA or MIC missing and required (Lvl 3) "The mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) "The affiliated business disclosure is missing from the loan documents." |  |  | Moderate | Pass | Pass | No Result | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 35115211 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Unavailable | xx | xx | Yes | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ??.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | Not Applicable | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Not Applicable | x.xx% | xxxx | Unavailable | Unavailable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a credit card judgment found against the borrower in favor of xx<br> The annual utilities/mud charges are due in the total amount of $xx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. As per the tape data, there is a deferred amount of $xx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the reason for the default.<br> Unable to determine the occupancy of the subject property.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No information has been found regarding the forbearance plan.<br> No details pertaining to the damage to the subject property have been observed.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a conventional fixed-rate mortgage with a P&I of $x,xxx.xx, a rate of interest of xx.xxx%, and a maturity date of xx/xx/xxxx. The P&I, as per payment history tape data, is $x,xxx.xx, and the rate of interest is x.xxx%. As per the seller's tape data, the deferred balance is $xx,xxx.xx. The modification agreement is missing from the loan file. | Credit Report<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Lost Note Affidavit (Lvl 3) "The seller's tape data showsxx not available in the file. The copy of the note is available in the loan documents at xx rther details are not provided." | \* ComplianceEase TILA Test Failed (Lvl 2) "Finance charge disclosed on Final TIL as xx The calculated finance charge is xx for an undisclosed amount of -$236.86. TILA Foreclosure Rescission Finance Charge Test due to finance charge disclosed on Final TILxx<br> \* Missing credit report (Lvl 2) "The credit report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 62341034 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | New York | xx | xx | No | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 804 | 731 | 46.536% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWRx has xx years on the job as xx<br> BWRx has been an SE for x.xx xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows the subject loan is nxx Further details not provided." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject was approved at 46.53%. Tape shows employment misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWxx, and $54K equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2022 does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/2022, reflects Points - Loan Discount Fee at $13,061.25. This is an increase in fees of +$13,061.25 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case originated on xx/xx/2022, and the 1-year SOL has expired." |  | Moderate | Not Covered | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 8177316 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Unavailable | xx | xx | Yes | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.? | ??.??% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 70.000% | 70.000% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Not Applicable | Not Applicable | Not Applicable | 517 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | Not Applicable | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xx,xxx.xx. As per the tape, the deferred amount is $x,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xx,xxx.xx.<br> The loan was modified on xx/xx/xxxx.<br> As per the servicing comment dated xx/xx/xxxx, the reason for default is illness of the borrower.<br> As per the servicing comment dated xx/xx/xxxx, the subject property is vacant.<br> No foreclosure activity has been found.<br> The borrower filed for bankruptcy under xx<br> No details pertaining to the damage to the subject property have been observed.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the xx | The step modification agreement made between thexx , shows the new modified unpaid principal balance is $xx,xxx.xx. The modified monthly P&I of $xxx.xx with a modified interest rate of x.xxx% starting on xx/xx/xxxx, which will be changed in xx steps until the new maturity date of xx/xx/xxxx. The rate will change in xx steps, which ends with x.xxx%. There is no deferred balance and principal forgiven amount. | Final Truth in Lending Discl.<br> Loan Program Info Disclosure<br> Missing or error on the Rate Lock<br> Origination Appraisal | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows HUD-1 is missing. Review of the loan file shows HUD-1 is available and CE was tested."<br> \* Not all borrowers signed HUD (Lvl 3) "Final settlement statement not hand-dated by the borrower." | \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA APR test as the final TIL is missing from the loan documents."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan documents."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "ARM loan program disclosure is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2) "The appraisal report is missing from the loan documents. Zillow search shows an xx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Not Covered | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 93252911 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 70.000% | 115.716% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 704 | Not Applicable | 49.679% | First | Final policy | Not Applicable | xxxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is one active junior mortgage against the subject property, which was originated on xx/xx/xxxx in favor of xx<br> The first installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the current condition & occupancy of the subject property.<br> BWR receives pension, xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* LTV or CLTV exceeds 104% (Lvl 4) "Collateral value used for underwriting is xx The amount of the secondary lien is $xx |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 49.67%. Tape shows a SBA loan of $322,515 was not recognized dxx Further details not provided. Lender defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWxx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2022 does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/2023 reflects Points - Loan Discount Fee at $4,313.19. This is an increase in fee of +$4,313.19 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2023 and the 1-year SOL has expired.<br>Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx/xx/2022 reflects the sum of Section C fees and Recording fee at $4,083.00. CD dated xx/xx/2023 reflects the sum of Section C and Recording fee at $4,859.00. This is a cumulative increase of +$367.70 for charges that in total cannot increase more than 10% testxx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 63149668 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.188% | 98.188% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 740 | Not Applicable | 41.484% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for xxxx has been paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx is due in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the occupancy of the subject property.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x months on the job as a xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3) "The tape shows a minimum reserve requirement short of $313.26. Total available assets as per review of the bank statement are $16,207.53 with EMD, satisfying the cash-to-close requirement of $7,695.76. Further details not provided. The subject loan originated on xx/xx/2022. BWR has 3 months on the job as a worker at P4P Construction, xx<br> \* Compliance Testing (Lvl 3) "The tape shows the subject ixx pliant loan. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "Mortgage insurance certificate is missing from the loan documents." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 28810295 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Maine | xx | xx | xx | Maine | xx | xx | Yes | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | 68.966% | 68.966% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 705 | 762 | 40.740% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx No active judgments or liens found. The annual installment of county taxes for xxxx is paid in the amount of $x,xxx.xx on xx/xx/xxxx. No prior years' taxes have been found delinquent. | According to payment history as of xx/xx/xxxx, the borrower has been current with the loan and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxxx%. The current UPB reflected as per the payment history is $xx,xxx.xx. | Collections Comments:The present status of the loan is performing. According to payment history as of xx/xx/xxxx, the borrower has been current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xx,xxx.xx. As per the tape data, the subject property is owner-occupied. No details pertaining to the damage to the subject property have been observed. No foreclosure activity has been found. No post-close bankruptcy record has been found. BWRx rxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a FHA fixed-rate mortgage with a P&I of $xxx.xx, a rate of interest of x.xxxxx%, and a maturity date of xx/xx/xxxx. The P&I as per payment history tape data is $xxx.xx, and the rate of interest is x.xxx%. There is a difference in P&I and rate of interest with respect to the note. The modification agreement is missing from the loan file. | Appraisal (Incomplete)<br> Good Faith Estimate<br> Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "The tape shows the subject is a nonxx . Further details not provided." | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) "The appraisal report is subject to the completion of construction. 1004D is missing from the loan documents. Subject originated in 2015. Current UPB $80K."<br> \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 40.74%. The tape shows ATR risk. Further details not provided. The subject loan originated on xx/xx/2015, and the 3-year SOL has expired. BWR1 receives social security incomexx<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA finance charge test as the calculated finance charge is $131,188.54. The disclosed finance charge of $120,515.44 is not considered accurate because it is understated by more than -$10,673.10. Loaxx<br> \* Good Faith Estimate missing or unexecuted (Lvl 2) "Final GFE is missing from the loan documents."<br> \* GSE Points and Fees Test Violations (Lvl 2) "Loan failed FHA QM Safe Harbor Test threshold test due to APR calculated 6.463% exceeds APR threshold of 5.590% over by +0.873%."<br> \* Higher Price Mortgage Loan (Lvl 2) "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 6.463% exceeds APR threshold of 5.590% over by +0.873%. The subject loan is escrowed. This loan is compliant with regulations 1026.35(b), (c), and (d)."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure signed by borrower is missing from loan documents."<br> \* MI, FHA or MIC missing and required (Lvl 2) "FHA mortgage insurance certificate is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property is Manufactured Housing (Lvl 2) "Home is affixed. As per the appraisal report, which is located at xx<br> \* Subject property is a multi-family (Lvl 2) "Tape shows SF. Appraisal in file is subject to construction. Zillow and Redfin show subject may be a multi family or an apartment building. Assessor report confirms subject is doublewide on a concrete slab. Elevated for client review." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 33411757 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 699 | Not Applicable | 40.654% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for xxxx have been paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xxx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per tape data, the property is owner-occupied.<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been an SE for xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "The tape shows the subject is axx oan. Further details not provided." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 40.65%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. xx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 51527259 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 785 | Not Applicable | 46.436% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The xst and xnd installments of county taxes for xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx & xx/xx/xxxx.<br> The xst and xnd installments of town taxes for xxxx were paid in the total amount of $xxx.xx on xx/xx/xxxx & xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the comment dated xx/xx/xxxx, the reason for default is a payment dispute.<br> The occupancy of the subject property is unable to be determined.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.xx years on the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows the subject loaxxurther details not provided." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject was approved at 46.53%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has xx |  | Minimal | Not Covered | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 57709570 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 808 | 760 | 48.827% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWRx has x months on the job as an xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "The subject was approved as OO. Tape shows subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 48.82%. Tape shows the subject is NOO due to misrepresentation causing the lender to omit primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR1 has 2 months on the job as an assistant technician with Communications Test Design Inc. BWR2 has xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2022 does not reflect Points - Loan Discount fee. The CD dated xx/xx/2023 reflects Points - Loan Discount fee at $3,442.50. This is an increase in fees of +$3,442.50 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase originated on xx/xx/2023, and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 43261438 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 69.778% | 69.778% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | Not Applicable | xx | Primary | Yes | Yes | No | 736 | 678 | 44.600% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> No information has been found regarding the forbearance plan.<br> The occupancy of the subject property is unable to be determined.<br> BWR has x months on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "The subject was approved as OO. Tape shows subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review." | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The subject loan closed without appraisal. PIW disclosure signed by the borrower is missing from the loan documents. A Zillow search shows an estimated valuxx<br> \* Compliance Testing (Lvl 3) "The tape shows the subject is a non-QM/ATR non-compliant loan. Further details not provided."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "The loan fails the Qualified Mortgage Lending Policy points and fees test because the fees charged, $9,951.58, exceed the fees threshold oxxx low fees were included in the test: Administration Fee paid by Borrower: $95.00 Points—Loan Discount Fee paid by Borrower: $8,311.58 Processing Fee paid by Borrower: $650.00 Underwriting Fee paid by Borrower: $895.00"<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $9,951.58. Exceeds fees threshold of $9,084.21 by $867.37. The below fees were included in the test: Administration Fee paid by Borrower: $xx | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 44.60. Tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit primary housing expenses. Further details not provided. xxs on the job as a xx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 90054483 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.188% | 98.188% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 642 | Not Applicable | 54.552% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> Unable to determine the RFD.<br> Unable to determine the occupancy of the subject property. <br> No foreclosure activity has been found.<br> According to the PACER, the xx<br> BWR has x.xx years on the job as an xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the xx. As per voluntary petition schedule D (xx, the amount of the claim without deducting the value of the collateral is xx and the value of the collateral is xx The unsecured portion is $xx,xxx.xx. The POC was filed by the creditor, xx. The Chapter xx x plan was filed on xx/xx/xxxx and was confirmed on xx/xx/xxxx. The BK was discharged on xx/xx/xxxx and terminated on xx/xx/xxxx. | Not Applicable | Appraisal (Incomplete)<br> Mortgage Insurance | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report is as is, and the comment addendum shows that the concrete drive needs repair and the front stoop has started to settle. The estimated cost of repairs is $2K. 1004D, or an inspection report verifying the structural integrity of the subject is missing from the loan document. The final CD does not reflect the escrow holdback."<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape shows that the loan is uninsured, as the property was flipped and does not meet the seasoning period requirement. The date of the prior sale or transfer was xx/xx/2015 for a sales price of $105K. The subject loan closed with a sales price of $181K. The kitchen and bathroom were remodeled less than a year ago. Further details not provided." | \* MI, FHA or MIC missing and required (Lvl 2) "The mortgage insurance certificate is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 57168596 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 69.948% | 69.948% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 721 | Not Applicable | 38.766% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for xxxx has been paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx has been paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The annual installment of water charges for xxxx is due in the total amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per the servicing comments, the foreclosure was initiated on the loan. No comments have been found regarding the complaint filing, judgment entered, or hearing dates. As per the comment dated xx/xx/xxxx, it shows the loan is active in FC. As per the comment dated xx/xx/xxxx, the FC was closed as the loan was reinstated.<br> Unable to determine the reason for the default.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> BWR has x.xx years on the job as a xx<br> Foreclosure Comments:As per the servicing comments, the foreclosure was initiated on the loan. No comments have been found regarding the complaint filing, judgment entered, or hearing dates. As per the comment dated xx/xx/xxxx, it shows the loan is active in FC. As per the comment dated xx/xx/xxxx, the FC was closed as the loan was xx<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "The tape shows the subjectxx asoned more than 3 years. Further details not provided." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 38.76%. Tape shows BWR working hours on the paystub did not match with hours on VOE. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, xx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 85328634 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Wisconsin | xx | xx | xx | Wisconsin | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | 78.267% | 78.267% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 718 | Not Applicable | 10.875% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a junior mortgage against the subject property that was originated on xx<br> The annual installment of county taxes for xxxx has been paid in the amount of $xx,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the occupancy of the subject property.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been an xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing DU/GUS/AUS<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows CD not provided to spouse 3 days prior to closing. Further details not provided. Infinity compliance report does not fail the TRID delivery and timing test." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 10.87%. The tape shows ATR risk. Further details not provided. The subject loan originated on xx/xx/2019, and the 3-year SOL has expired. BWR1 receives social security income. xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2019 does not reflect Appraisal Re-Inspection Fee. Final CD dated xx/xx/2019, reflects Appraisal Re-Inspection Fee at $125.00. This is an increase in fee of +$125.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan originated on xx/xx/2019, anxx<br> \* Intent to Proceed Missing (Lvl 2) "Intent to proceed is missing from the loan documents."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 2) "AUS report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 19172309 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | ????.?? | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 80.000% | 95.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | 639 | 624 | 37.937% | First | Short Form Policy | Not Applicable | xxxxx | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found.  | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The comment dated xx/xx/xxxx shows that the RFD is illness of the borrower.<br> Unable to determine the occupancy of the property. <br> No foreclosure activity has been found.<br> According to the PACER, the borrowers, xx<br> BWR has xx years on the jxx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the xx. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral isxx on xx/xx/xxxx, with the secured claim amount of $xxx,xxx.xx and the arrearage amount of $x,xxx.xx. The Chapter xx plan filed on xx/xx/xxxx was confirmed on xx/xx/xxxx. The borrower will pay $x,xxx.xx monthly to the xx | The step modification agreement was signed xx and the new modified unpaid principal balance is $xxx,xxx.xx. The modified monthly P&I of $x,xxx.xx with an interest rate of x.xxx% starting on xx/xx/xxxx, which will be changed in six steps until the new maturity date of xx/xx/xxxx. The rate will change in six steps, which ends with x.xxx%. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. |  | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2) "Loan failed state regulations for the brokerage/finder fee test due to fees charged of $9,174.00 exceed fees threshold of $6,400.00 over by +$2,774.00.<br> The following fees were included in the test:<br> Loan Origination Fee paid by Borrower: $3,200.00<br> Loan Discount Fee paid by Borrower: $5,200.00<br> Processing Fee paid by Borrower: $250.00<br> Underwriting Fee paid by Borrower: $450.00<br> Tax Related Service Fee paid by Borrower: $74.00." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 35450316 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 677 | 662 | 44.388% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per the comment dated xx/xx/xxxx, the RFD of the borrower is inability to sell property.<br> The comment dated xx/xx/xxxx shows that the subject property was damaged due to hail on xx/xx/xxxx and states the roof, fence and lights were damaged. The same comment reflects the loss amount is $xx,xxx.xx. Unable to determine whether repairs are completed or not.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWRx has x.xx years onxx<br> BWRx has x.x years on txx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 44%. Tape shows undisclosed debt. Further details not provided. BWR defect. The subject loan was originated on xxhe job as a xx<br> \* Compliance Testing (Lvl 2) "The tape shows thxxr details not provided."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase case originated on xx/xx/2023 and the 1-year SOL has expired."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "The loan failed the TILA finance charge test. Finance charge disclosed on final CD as $565,301.44. The calculated finance charge is $565,426.44 for an undisclosed amount of -$125.00. The reason for the finance charge under disclosure is unknown as the fee itemization is missing. The subject loan is a purchase case originated on xx/xx/202xx<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. The initial loan estimate dated xx/xx/2022 does not reflect points - loan discount fee. The final CD dated xx/xx/2023 reflects points - loan discount fee at $3,795.61. This is an increase in fees of $3,795.61 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2023, and the 1-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 57116423 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Mexico | xx | xx | xx | Unavailable | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.?% | 360 |  | xx | xx |  | FHA | Fixed |  | Cash Out | Unavailable | Unavailable | Unavailable | No | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | Unavailable | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | <br> According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The xst and xnd installments of county taxes for xxxx were paid in the total amount of $x,xxx.x on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xx,xxx.xx.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per tape, the property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Report<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Initial xxxx_Application<br> Missing or error on the Rate Lock<br> Mortgage Insurance<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1, along with estimated HUD-1 and fee itemization, is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows missing HUD-1. Review of the loan file shows HUD-1 is missing from the loan documents." | \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan documents."<br> \* MI, FHA or MIC missing and required (Lvl 2) "FHA mortgage insurance certificate is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2) "The appraisal report is missing from the loan documents. Zillow search shows an estimated value at $254K. Current UPB is $36K."<br> \* Missing credit report (Lvl 2) "Credit report is missing from the loan documents."<br> \* Missing Initial 1003_Application (Lvl 2) "Initial application signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 62105179 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | Unavailable | Unavailable | Unavailable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | Unavailable | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.x | Not Applicable | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The xst and xnd installments of annual combined taxes for xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $x,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $x,xxx.xx.<br> The loan was modified on xx/xx/xxxx.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the updated title report dated xx/xx/xxxx, the foreclosure was initiated in xxxx. The complaint was filed on xx/xx/xxxx. Thereafter, the notice of lis pendens was filed multiple times on xx/xx/xxxx, xx/xx/xxxx, xx/xx/xxxx and xx/xx/xxxx. The foreclosure complaint was previously filed on xxx/xx/xxxx with cxx<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:As per the updated title report dated xx/xx/xxxx, the foreclosure was initiated in xxxx. The complaint was filed on xx/xx/xxxx. Thereafter, the notice of lis pendens was filed multiple times on xx/xx/xxxx, xx/xx/xxxx, xx/xx/xxxx and xx/xx/xxxx. The foreclosure complaint was xx<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the xx . The monthly P&I is $xxx.xx with an interest rate of x.xxx% beginning on xx/xx/xxxx and a maturity date of xx/xx/xxxx. There is no deferred balance and principal forgiven amount. The loan has been modified for the first time since origination. | Credit Report<br> Final Truth in Lending Discl.<br> Loan Program Info Disclosure<br> Missing or error on the Rate Lock<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Prepayment Penalty Rider<br> Right of Rescission | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The seller's tape data shows an AOM break. Further details not provided."<br> \* Lost Note Affidavit (Lvl 3) "The lost note affidavit available in the file located at xx | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the prepayment term test due to the loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property<br> is located."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed TILA APR test due to calculated APR of 0.000% exceeds Disclosed APR of 9.651% under disclosed by 9.651%. Final TIL is missing from the loan documents."<br> \* Final TIL Missing or Not Executed (Lvl 2) "The final truth in lending is missing from the loan documents."<br> \* GSE Points and Fees Test Violations (Lvl 2) "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2) "Appraisal is missing from the loan documents. A Zillow search shows an estimated value of $112K. Current UPB $8K."<br> \* Missing credit report (Lvl 2) "Credit report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan documents."<br> \* Prepayment Rider Missing (Lvl 2) "The prepayment rider is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan documents." |  | Moderate | Pass | Fail | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 50855013 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 781 | 790 | 49.878% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for xxxx have been paid in the amount of $xx,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the occupancy of the subject property.<br> BWRx has xx.xx years on the job as axx<br> BWRx has x.xx years on the job xx<br> BWRx has xx.xx years on the jobxx <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The tape shows appraisal report subject to and completion cert does not address all subject to issues. Appraisal report shows subject to the gas being turned on and approval of the legality of the ADU with legal permits for residential use. The main house was measured to be approxx ublic records indicate that the home was built in 1936 with sq.ft.684 (1 bedroom and 1 bathroom). The intended user approving the legality of the guest house and the extra sq.ft., bedrooms and bath for the main house. Available 1004D shows the gas was turned for the both units of subject property and does not provide any information about approval of the legality of the ADU with legal permits for residential use. Further details notxx<br> \* Compliance Testing (Lvl 3) "The tape shows the suxx liant loan. Further details not provided." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 49.87%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2022 does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/2022, reflects Points - Loan Discount Fee at $23,116.25. This is an increased fee in the amount of +$23,116.25 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2022, and the 1-year SOL is expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 7390293 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Connecticut | xx | xx | xx | Connecticut | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 56.604% | 56.604% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 722 | 743 | 49.998% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first and second installments of city taxes for xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx.xx years on the job xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "The tape shows the subject is a non-QM/ATR non-compliant loan. Further details not provided." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 49.99%. Tape shows rental income from ADU used for qualification is not acceptable as per Freddie Mac guidelines. Further details not provided. Lender defect. xx years xx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 66828233 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 84.222% | 84.222% | Full Documentation | Yes | xx | xx | 6.000% |  |  | Not Applicable | Mixed Use | xx | xx | Primary | Yes | Yes | No | 689 | 728 | 39.821% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The taxes are to follow. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the current condition and occupancy of the subject property.<br> BWRx has xx months on the job as a program manager atxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report is as is, and the photo addendum shows broken lights, a screen door, and missing trim or paint. The cost to cure is not available. The 1004D report is missing from the loan documents. The final CD does not reflect escrow holdback."<br> \* Compliance Testing (Lvl 3) "The tape shows the subject ixx ed more than 3 years. Further details not provided."<br> \* Property is Mixed Use (Lvl 3) "The tape and appraisal report show the subject is a mixed-use property as the subject is a working farm and the subject property has a recorded agreement in place for a 3rd party to harvest existing Christmas trees planted on the subject property. Further details not provided. Elevated for client review." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations..<br>This loan failed the Pennsylvania license validation test."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2019 does not reflect lock extension. Final CD dated xx/xx/2020 reflects lock extension at $379.00. Loan estimate dated xx/xx/2019 reflects points - loan discount fee at $2,573.00. Final CD dated xx/xx/2020 reflects points - loan discount fee at $3,079.38. This is a cumulative increase in fees of $885.38 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/2020, and the 3-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 70290718 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | Unavailable | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | Unavailable | Unavailable | Unavailable | Yes | xx | xx | 40.000% | Not Applicable |  | Not Applicable | Single Family | Not Applicable | Unavailable | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a junior mortgage against the subject in the amount of $x,xxx.xx that originated on xx. The collector report shows the lien was redeemed on xx/xx/xxxx.<br> The xst, xnd, xrd, and xth installments of city taxes for xxxx have been paid in the amount of $x,xxx.xx.<br> The xst installment of city taxes for xxxx was paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The xnd installment of city taxes for xxxx is due in the amount of $xxx.xx on xx/xx/xxxx.<br> The xst installment of utility charges for xxxx (water/sewer) was paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The xnd, xrd, and xth installments of utility charges for xxxx (water/solid) are due in the amount of $xxx.xx.<br> The xnd installment of utility charges for xxxx (water/sewer) is delinquent in the amount of $xxx.xx, which is payable through xx/xx/xxxx. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower has been current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xx,xxx.xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the comment dated xx/xx/xxxx, the RFD is curtailment of income.<br> Unable to determine the occupancy of the property. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Origination Appraisal | xx | 4: Unacceptable | \* The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance (Lvl 4) "The property is located in axx<br> Per statute, the 6 year SOL has expired." | \* Compliance Testing (Lvl 3) "The tape and review of the loan file show the final HUD-1 is missing from the loan documents."<br> \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents."<br> \* Lost Note Affidavit (Lvl 3) "The lost note affidavit available in the file located at "xx shows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at xx | \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2) "Appraisal is missing from the loan documents. Xx |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 51766258 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ??.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 92.033% | 92.033% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual combined taxes for xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of xx.xxx%. The current UPB reflected as per payment history is $xx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> As per the comment dated xx/xx/xxxx, the reason for default is curtailment of income.<br> As per the comment dated xx/xx/xxxx, the subject property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows non-critical issue for AOM. Further details were not provided." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the grace period test due to the loan has a grace period of 9 days that does not conform to the requirements for the lender's license type in the state where the property is located."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from loan documents."<br> \* TIL not hand dated (Lvl 2) "The final TIL is not hand-dated by the borrower." |  | Moderate | Not Covered | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 68832141 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 93.000% | 93.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 680 | Not Applicable | 44.963% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual installment of city taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual installment of school taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.xx years on thexx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "The tape shows the subject is a non-QM/ATR non-compliant loan. Further details not provided."<br> \* Loan does not conform to program guidelines (Lvl 3) "The subject loan does not meet the 7-year seasoning period requirement for BWR's xx | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2023 does not reflect the rate lock extension. The CD dated xx/xx/2023 reflects a rate lock extension of $524.06. This is an increase in fees of $524.06 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase originated on xx/xx/2023, and txx |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 98527136 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Massachusetts | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | ????.?? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | Unavailable | Unavailable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | Unavailable | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxx.x | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There are two UCC liens found against the subject property in favor of "xx<br> The first and second installments of town taxes for xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> The third installment of town taxes for xxxx is delinquent in the amount of $x,xxx.xx and good through xx/xx/xxxx.<br> The third installment of town taxes for xxxx has been partially paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The fourth installment of town taxes for xxxx is due on xx/xx/xxxx in the amount of $xxx.xx.<br> The water charges for xxxx were delinquent in the amount of $x,xxx.xx and good through xx/xx/xxxx. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xx,xxx.xx.<br> The loan was modified on xx/xx/xxxx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> The occupancy of the subject property is unable to be determined.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower and the lender on xx/xx/xxxx. As per the modified term, the new principal balance is xx out of which $xxx,xxx.xx is the interest-bearing amount and the deferred amount is $x,xxx.xx. The monthly P&I is $xxx.xx with an interest rate of x.xxx% beginning on xx/xx/xxxx and a maturity date of xx/xx/xxxx. There is no deferred balance. As per the modification agreement, the lender has forgiven principal in the amount of $xx.xx. | Credit Report<br> Missing or error on the Rate Lock<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape data shows notary is missing on SECI. The subject mortgage was originated on xx/xx/2003 and recorded on xx/xx/2003. The notary is missing on SECI."<br> \* Lost Note Affidavit (Lvl 3) "The lost note affidavit available in the file located at "xx " The tape data shows the lost note affidavit is available with a copy of the note." | \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan documents. xx<br> \* Missing credit report (Lvl 2) "Credit report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 59308503 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ??.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ??.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 60.000% | 60.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 37.410% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx | Not Applicable | xx% | xxx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a civil judgment against the borrower in favor of xx<br> The annual installment of combined taxes for xxxx has been paid in the amount of $xx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx (PITI) and was applied to the due date of xx/xx/xxxx. The monthly P&I is $xxx.xx, and the interest rate is xx.xxx%. The current UPB is $x,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $x,xxx.xx.<br> According to the PACER, the borrower Alice Selina Martinez, filed the bankruptcy under chapter xx on xx/xx/xxxx with case #xx-xxxxx. The BK was discharged on xx/xx/xxxx and terminated on xx/xx/xxxx.<br> As per the comment dated xx/xx/xxxx, the RFD was curtailment of income.<br> As per the seller's tape data, the subject property is vacant land. Further details are not provided.<br> No foreclosure activity has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower, xx , and the value of the collateral is $xx,xxx.xx. The unsecured portion is $x.xx. The POC was not filed. The Chapter xx plan was confirmed on xx/xx/xxxx. There is no comment indicating a cramdown. The BK was discharged on xx/xx/xxxx and terminated on xx/xx/xxxx. | The modification agreement was made between the borrower, xx on xx/xx/xxxx. As per the modified term, the new principal balance is $xx,xxx.xx. The monthly P&I is $xxx.xx with an interest rate of xx.xxx% beginning on xx/xx/xxxx and a maturity date of xx/xx/xxxx. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Lost Note Affidavit (Lvl 3) "Tape shows lost not affidavit with note documents. The LNA is not available in the loan file and a copy of the note xx | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing fr 430xxan and the home is affixed to the land. The Alta 7 endorsement is attached to the final title policy."<br> \* ROR not hand dated by borrower(s) (Lvl 2) "ROR is not hand-dated by the borrower."<br> \* TIL not hand dated (Lvl 2) "Final TIL is not hand-dated by the borrower." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 78589583 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | Yes | Yes | Not Applicable | Second |  | ? | ????.?? | Unavailable | xx | No | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 93.210% | 93.210% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 36.737% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.x% | xxxx | xx/xx/xxxx | Financial Hardship | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a junior UCC mortgage against the subject property in favor of xx<br> There is a real estate tax lien found against the subject property in favor of the xx<br> There are x judgments found against the borrower in the total amount of $xx,xxx.xx filed by the xx<br> The xst, xnd, xrd, and xth installments of combined taxes for xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual utilities/MUD charges for xxxx have been delinquent in the amount of $x,xxx.xx, which was due on xx/xx/xxxx and good through xx/xx/xxxx.<br> The annual utilities/MUD charges for xxxx have been due in the amount of $xx.xx on xx/xx/xxxx. | As per the seller's tape data as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. Unable to determine the last payment received. The current P&I is $x,xxx.xx and interest rate is x.xx%. The UPB as per tape is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> As per the seller's tape data as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The UPB as per tape is $xxx,xxx.xx.<br> Unable to determine the reason for the default.<br> The foreclosure was initiated on this loan in xxxx, and as per the notice of pendency located at xx, the foreclosure case is canceled on xx/xx/xxxx. Further details were not provided.<br> According to the PACER, the borrower filed bankruptcy under Chapter xx<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the occupancy of the subject property.<br> Foreclosure Comments:The foreclosure was initiated on this loan in xxxx, and as per the notice of pendency located at (xx, the foreclosure case is canceled on xx/xx/xxxx. Further details were not provided.<br> Bankruptcy Comments:According to the PACER, the borrower,xx he unsecured portion is $x.xx. The POC was filed by the creditor, Jxx. The xx and not confirmed. The borrower has promised to make a monthly mortgage payment of $xxx.xx for x months and $x,xxx.xx for xx months to the trustee under the chapter xx plan. The bankruptcy was dismissed on xx/xx/xxxx and terminated on xx/xx/xxxx. | &nbsp;&nbsp;&nbsp;&nbsp;The modification agreement was made between the borrower and the lender on xx/xx/xxxx. As per the modified term, the new principal balance is $xxx,xxx.xx. The monthly P&I is $x,xxx.xx with an interest rate of x.xxx% beginning on xx/xx/xxxx and a maturity date of xx/xx/xxxx. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Initial xxxx_Application<br> Missing or error on the Rate Lock<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD reflects some of the points and fees are handwritten." | \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed TILA APR test due to calculated APR of 0.000% exceeds disclosed APR of 5.797% under disclosed by 5.797%. Final TIL is missing from the loan documents."<br> \* Final TIL Missing or Not Executed (Lvl 2) "The final truth in lending is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2) "The appraisal report is missing from the loan file. Zxx<br> \* Missing Initial 1003_Application (Lvl 2) "Initial 1003 signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Not Covered | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 72846554 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 760 | Not Applicable | 47.015% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx No active judgments or liens have been found. The first installment of county taxes for xxxx was paid in the amount of $x,xxx.xx on xx/xx/xxxx. The second installment of county taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx. No prior year's delinquent taxes have been found. | According to the payment history of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received in the amount of PITI $x,xxx.xx, which was applied to the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx, and the current rate of interest is x.xxx%. The current UPB is reflected in the payment history as $xxx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing. According to the payment history of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is reflected in the payment history as xx No foreclosure activity has been found. No post-close bankruptcy record has been found. As per the seller's tape data, the subject property was occupied by the owner. As per the collection comment dated xx/xx/xxxx, the borrower inquired about filing a claim for water damage in his property. Further details are not provided. Unable to determine the estimated cost of repairs and the current status of repairs. BWR has been an xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance<br> Initial Escrow Acct Disclosure<br> Missing Initial Closing Disclosure | xx | 3: Curable |  | \* Missing Initial Closing Disclosure (Lvl 3) "Initial CD is missing from the loan documents."<br> \* Missing proof of hazard insurance (Lvl 3) "Evidence of hazard insurance is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 47.01%. Tape shows undisclosed auto loan debt. Revised DTI is 52.2%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL xx<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "TRID tolerance test is incomplete due to initial CD is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2023 and the 1-year SOL has expired."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 26585682 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 79.947% | 79.947% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 765 | 738 | 44.854% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for xxxx was paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx is due in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> The occupancy of the subject property is unable to be determined.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWRx has x.xx years on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 44.85%. Tape shows BWR was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. xx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 85806167 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 726 | 727 | 39.175% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. No active judgments or liens have been found. Annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx. No prior year's delinquent taxes have been found. | According to the payment history of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received in the amount of PITI $x,xxx.xx on xx/xx/xxxx, which was applied to the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx, and the current rate of interest is x.xxx%. The current UPB reflected in the payment history is $xxx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing. According to the payment history of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected in the payment history is $xxx,xxx.xx. Unable to determine the RFD. No foreclosure activity has been found. No post-close bankruptcy record has been found. As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage. BWR x has xx.xx yeaxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan is NOO and was approved at 39.17%. Tape shows qualifying rental income is not supported, as the lease agreement was fabricated. Revised DTI is 59%. Further details not provided. BWR defect. The subject loan originatexx applications systems specialist with NCDIT, FICO 726, 1X60 since inception, $125K equity in the subject and $7,357 residual income." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 23916715 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ????.?? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 73.000% | 73.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 811 | 774 | 26.622% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active liens and judgments have been found.<br> The first installment of county taxes for xxxx-xxxx is paid in the amount of $x,xxx.xx.<br> The second installment of county taxes for xxxx-xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The first installment of county supplemental taxes for xxxx-xxxx is delinquent in the amount of $x,xxx.xx, with the good-through date of xx/xx/xxxx.<br> The second installment of county supplemental taxes for xxxx-xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI) and was applied to the due date of xx/xx/xxxx. The monthly P&I is $x,xxx.xx, and the interest rate is x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> The RFD is unable to be determined. <br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR has x.xx years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows the closing documents were signed without a sufficient waiting period after the post-closing disclosure delivery date. Further details not provided."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "The initial closing disclosure receipt date is provided, and the initial closing disclosure receipt date is less than three business days before the consummation date of xx/xx/2024."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 46758967 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nevada | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 706 | Not Applicable | 46.370% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a UCC lien found against the subject property in favor of xx<br> The xst, xnd, xrd, and xth installments of county taxes for xxxx and xxxx were paid in the total amount of $x,xxx.xx on different dates.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx<br>| Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is xx<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No information has been found regarding the forbearance plan.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner occupied.<br> BWR has been SE for x.xx years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "Subject approved as OO. Tape shows the subject is NOO, as BWR listed the subject property for rent shortly after closing. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 46.37%. Tape shows the subject is NOO as BWR listed the subject property for rent shortly after closing, causing the lender to omit BWR's primary housing expense. Revised DTI is 69.69%. BWR defect. Subject loan originated on xx/xx/2022, and the 3-yxx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 53587794 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 58.744% | 58.744% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 758 | Not Applicable | 49.590% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. There is a UCC lien found against the subject property in favor ofxx . The xst, xnd, xrd, and xth installments of county taxes for xxxx were paid in the total amount of $x,xxx.xx on different dates. No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is xx No foreclosure activity has been found. No post-close bankruptcy record has been found. No details pertaining to the damage to the subject property have been observed. As per the tape data, the subject property is owner occupied. BWR has xx.xx xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 49.58%. Tape shows rental income miscalculation. RxxK equity in the subject." | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2023 reflects Appraisal Fee at $450.00, Credit Report Fee at $124.00, Transfer Taxes at $3,323.00. CD dated xx/xx/2024 reflects Appraisal Fee at $575.00, Credit Report Fee at $125.25, Transfer Taxes at $3,710.25. This is an increase in fee of $513.50 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2023 does not reflect txx ee at $2,040.90. CD dated xx/xx/2024 reflects the sum of Section C axx r charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2024 and the 1 year SOL is active."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 91529896 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 739 | Not Applicable | 49.007% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual combined taxes for xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual school taxes for xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is xx<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the current condition and occupancy of the subject property.<br> BWR has x.xx years on xx<br> BWR has prior xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 49%. Review shows the lender miscalculated income. Revised DTI is 51.13% Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR haxx | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/2024. The initial LE dated xx/xx/2024 reflects a lender credit of $82.00; the final CD dated xx/xx/2024 reflects a lender credit of $0.00. This is a decrease of +$82.00 for the fee, which has a 0% tolerance test. The subject loan is a purchase originated on xx/xx/2024, and the SOL is 1 year."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the loan has become seasoned, and the BWR did not respond to completing a new homeowners insurance application, which was necessary to secure a lower insurance premium. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 66667755 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 66.667% | 66.667% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 749 | Not Applicable | 49.807% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The xst and xnd installments of county taxes for xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is xx<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br> BWR has x.xx years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 49.80%. Tape and review show BWR has only been on the job for 1.25 years and the commission income was not stable. Further details not provided. Lender defect. The subject originated on xx/xx/2024, and the 3-year SOL is active. BWR has 1.25 years on the job as a xx | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by borrower is missing from loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 81397443 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 759 | Not Applicable | 48.356% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is xx<br> As per tape data, the property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR is self-employed and hasxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 48.36%. The Lender did not include an IRS monthly obligation; revised DTI 60.46%. Further details not provided. Lender defect. The subject loan originated on 9/25/24, and the 3-year SOL is active. The BWR is xx | \* ComplianceEase TILA Test Failed (Lvl 3) "Loan failed TILA finance charge test. Finance charge disclosed on final CD as $520,029.90. Calculated finance charge is $520,209.64 for an under disclosed amount of -$179.74. Subject loan is a purchase case, originated on xx/xx/2024 and the 1-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows provided seller credit is over the allowable limit per guidelines. The final CD reflects a seller credit of $15K. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Not Applicable | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 65930364 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 29.300% | 29.300% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | Not Applicable | xx | Primary | Yes | Yes | No | 813 | 816 | 45.913% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found.<br>| The loan was originated on xx/xx/xxxx, and the first payment is due on xx/xx/xxxx. According to payment history tape data as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current interest rate is x.xxx%, and the P&I is not available. The current UPB reflected as per the payment history tape data is $xxx,xxx.xx. | Collections Comments:According to payment history tape data as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history tape data is xx<br> As per the seller's tape, the subject property is owner occupied.<br> No post-close bankruptcy record has been found.<br> BWRx receives xx<br> BWRx receivesxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "Cortland Villas project that is non-warrantable, as the construction of 18 duplex houses (9 buildings) in the project is not completed yet." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 44679991 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Connecticut | xx | xx | xx | Connecticut | xx | xx | No | Yes | Not Applicable | Second |  | ? | ????.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | 98.773% | 98.773% | Streamline Refinance | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is one prior mortgage against the subject property in favor ofxx<br> The first and second combined installment taxes for the year xxxx have been paid in the amount of $xxxx.xx.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/xxxx, and the first payment date is xx/xx/xxxx. As per the payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The UPB is $xxx,xxx.xx. | Collections Comments:According to servicing comments, the loan is performing. <br> The loan was originated on xx/xx/xxxx, and the first payment date is xx/xx/xxxx. As per the payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The UPB is xx<br> As per the tape data, the subject property is owner-occupied. <br> No post-close bankruptcy record has been found.<br> No damage and repairs have been found.<br> Employment details are not available. The subject loan xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject loan is uninsured by the FHA, as the seasoning requirement was not met. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "FHA mortgage insurance certificate is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 83780078 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 760 | 767 | 52.153% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is an active prior UCC lien against the subject property in xx<br> The first installment of town taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The second installment of town taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the seller's tape, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> As per the seller's tape, the subject property is owner occupied.<br> The loan has not been modified since origination.<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWRx income not available, <br> BWRx has been an xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 41%. Tape shows income documentation is not sufficient, rental income miscalculated. Further details not provided. Revised DTI 59.44%. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL ixx | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $13,927.73 exceed fees threshold of $13,457.89 over by +$469.84. The below fees were included in the test: Lender Fee paid by Borrower: $1,149.00 Mortgage Broker Fee (Indirect) $11,369.00 Points - Loan Discount Fee paid by Borrower: $1,409.73"<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "Loan failed state regulations prohibited fees test due to the inclusion of the below fees charged to the borrower; Administration Fee paid by Borrower: $105.00 Attorneys Fee Borrowers Attorney paid by Borrower: $1,980.00 Lender Fee paid by Borrower: $1,149.00 MERS Fee paid by Borrower: $25.00 Real Estate Commission paid by Sellexx Calculated finance charge is $658,035.99 for an under disclosed amount of -$185.19. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. The subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year. The loan failed TRID Total of Payments Test due to total of payments charged disclose on final CD asxx<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 does not reflect Points - Loan Discount fee. CD dated xx/xx/2024 reflects Points - Loan Discount fee at $1,409.73. This is an increase in fee of $1,409.73 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year. TRID Violation due to decrease in lender credit on Closing Disclosure dated xx/xx/2018. Initial LE dated xx/xx/2024 reflects lender credit at $1,005.00, Final CD dated xx/xx/2024 reflects Lender Credit at $0.00. This is a decrease of $1,005.00 for fee which has 0% tolerance test. xx<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE xx<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Fail | Pass | Pass | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 5975524 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.188% | 98.188% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 607 | Not Applicable | 44.202% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual county taxes for xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is xx<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> BWR has x months on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase TILA Test Failed (Lvl 3) "This loan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. Subject loan is a purchase case, originated onxx<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape and file show the subject loan closed xx<br> \* MI, FHA or MIC missing and required (Lvl 3) "Mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 11224718 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 758 | Not Applicable | 49.275% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for xxxx were paid in the amount of $x,xxx.xx.<br> The annual installment of utility charges for xxxx is paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is xx<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property is occupied by the owner.<br> BWR has xx.x years on xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 49.27%. Tape shows undxx<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "Loan failed the Nxx ed fees test. <br> The below fees were included in the test:<br> Attorney's Fee paid by Borrower: $xx<br> Title Closing Service Letter paid by Borrowerx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by borrower is missing from loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 49.27%, as the borrower's income is $9,349.52 and total expenses are in the amount of $4,606.99, and the loan was underwritten by xx |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 36026137 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | Nebraska | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 805 | Not Applicable | 39.303% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual village taxes for xxxx were paid on xx/xx/xxxx in the amount of $x,xxx.xx.<br> The first installment of combined taxes for xxxx-xx was paid on xx/xx/xxxx in the amount of $x,xxx.xx.<br> The second installment of combined taxes for xxxx-xx is due on xx/xx/xxxx in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found. <br>| According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape, the subject property was occupied by the owner. No pertaining damage to the subject property has been found.<br> BWR has x years on the xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 39.30%. Tape shows xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2020 reflect Points - Loan Discount Fee at $3,083.00. Final CD dated 0xx/xx/2021 reflects Pxx<br> The subject loan is a purchase case, originated onxx |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 12799389 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 79.222% | 79.222% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 708 | Not Applicable | 35.884% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is one junior mortgage active against the subject property in favor of xx<br> The first and second installments of town taxes for xxxx have been paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is xx<br> Unable to determine the reason for the default.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.x years on the job as a sxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) "The tape shows the subject property is ineligible Further details not provided. Appraisal report shows subject to due to final value is contingent upon removal of basement stove to be compliant with Jersey City zoning code. 1004D shows basement stove has been removed. Redfin search shows an estimated value of 1.18M. The current UPB is $638K." |  | \* ComplianceEase State Regulations Test Failed (Lvl 2) "Loan failed the New Jersey mortgage banker or correspondent mortgage banker license prohibited fees test. <br> The below fees were included in the test:<br> Mortgage Payoff paid by Borrower: $80.00<br> Title Closing paid by Borrower: $75.00" |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 63846579 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 708 | Not Applicable | 40.905% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There are x prior civil judgments found against the borrower in the total amount of $xx,xxx.xx filed by different plaintiffs and recorded on different dates.<br> There are x state tax liens found against the borrower in favor of the State of Florida in the total amount of $x,xxx.xx, which were recorded on different dates.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The water charges have been delinquent in the amount of $xxx.xx, which are good through xx/xx/xxxx. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx months on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Dicsloures | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "The subject was approved as OO. Tape shows the subject isxx | \* Missing Required Disclosures (Lvl 3) "List of service providers is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 40.90%. Tape shows the subject is NOO, as Bxxty in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx/xx/2022 reflects the sum of Section C fees and Recording fee at $2,778.00. CD dated xx/xx/2022 reflects the sum of Section C and Recording fee at $3,065.25. This is a cumulative increase of +$9.45 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2022 and the 1-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 80367151 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 91.304% | 91.304% | Full Documentation | No | Not Applicable | Unavailable | Unavailable |  |  | Not Applicable | 3 Family | xx | xx | Primary | Yes | Yes | No | 724 | Not Applicable | 58.615% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The xst, xnd, and xrd installments of city taxes for xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx, xx/xx/xxxx, and xx/xx/xxxx.<br> The xth installment of city taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> As per tape data, the property is owner-occupied.<br> Unable to determine the reason for the default.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has x.x years xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Good Faith Estimate<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the previous loan serial number was changed from xx | \* Good Faith Estimate missing or unexecuted (Lvl 2) "Final GFE is missing from the loan documents."<br> \* MI, FHA or MIC missing and required (Lvl 2) "The mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Settlement services provider list is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 58.61%, the borrower's income is $4,720.46, and total expenses are in the amount of $2,766.90, and the loan was underwritten by DU (xx |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 12595896 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 801 | Not Applicable | 45.743% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is xx<br> Unable to determine RFD.<br> As per seller's tape data, the subject property is owner-occupied.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding damage.<br> BWR has been an SE for xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 45.74%. Tape shows misrepresentation of xx the subject and $2,362 residual income."<br> \* Compliance Testing (Lvl 2) "Loan fails Qualified mortgage lending policy points and fees test due to fees charged $17,848.93 exceeds fees threshold of $17,537.40 over by +$311.53.<br> The below fees were included in the test:<br> Mortgage Broker Fee paid by borrower: $12,138.00<br> Points - Loan Discount Fee paid by borrower: $5,710.93."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 reflect Points - Loan Discount Fee at $2163.00. CD dated xx/xx/2022 reflects Points - Loan Discount Fee at $5710.93. This is an increase in fee of $3,547.93 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/2022 and the SOL is 1 year."<br> \* GSE Points and Fees Test Violations (Lvl 2) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $17,848.93 exceeds fees threshold of $17,537.40 over by +$311.53.<br> The below fees were included in the test:<br> Mortgage Broker Fee paid by borrower: $12,138.00<br> Points - Loan Discount Fee paid by borrower: $5,710.93."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 45.74%, as the borrower income is $10,164.17 and total expenses are in the amount of $4,649.36 and the l xx by DU xx |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 85062409 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 93.000% | 93.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 711 | Not Applicable | 31.764% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The xst and xnd installments of county taxes for xxxx were paid in the amount of $xx,xxx.xx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> As pe the comment dated xx/xx/xxxx, the reason for default is curtailment of income.<br> As per tape the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/xxxx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has beenxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx. As per the modified term, the new principal balance is $xxx,xxx.xx. The monthly P&I is $x,xxx.xx with an interest rate of x.xxx% beginning on xx/xx/xxxx and a maturity date of xx/xx/xxxx. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject was approved at 31.76%. Tape shows the large deposit of $14,890 sourced from the Payroll Protection Program is not acceptable funds for closing. Bank statement in the file shows $32,773 in assets, and the cash-to-close requirement is $22,301. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, and the 3xx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 14208467 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | Second |  | ? | ????.?? | ??/??/???? | Not Applicable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 89.189% | 89.189% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 794 | Not Applicable | 42.219% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is one state tax lien found against the borrower in favor of the xx<br> The annual county taxes for xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual town taxes for xxxx have been paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The annual school taxes for xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx, and the deferred balance is $x,xxx.xx. As per the deferral agreement located at xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is xx and the deferred balance is xx<br> As per the comment dated xx/xx/xxxx, the foreclosure was initiated on xx/xx/xxxx. As per the comment dated xx/xx/xxxx, the foreclosure was closed due to the loan was reinstated.<br> As per the comment dated xx/xx/xxxx, the subject property is occupied by an unknown party.<br> As per the comment dated xx/xx/xxxx, the reason for default is excessive obligations.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> BWR receives xx<br> Foreclosure Comments:As per the comment dated xx/xx/xxxx, the foreclosure was initiated on xx/xx/xxxx. As per the comment dated xx/xx/xxxx, the foreclosure was closed due to the loan was reinstated.<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "Subject approved as OO. Tape shows the subject is NOO due to misrepresentation as the 2020 tax return reflected the subject property was a rental property. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 42.21%. xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed PA license validation test." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 23385303 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 684 | Not Applicable | 40.164% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens found.<br> The annual installment of combined taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> Unable to determine the reason for default.<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has x years on the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Lost Note Affidavit (Lvl 3) "The lost note affidavit available in the file located atxxshows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at xx |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 33895441 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 67.647% | 67.647% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 656 | Not Applicable | 41.318% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active liens or judgments found.<br> The first and second installments combined for xxxx were paid in the total amount of $xxxx.xx on xx/xx/xxxx & xx/xx/xxxx.<br> The water charges have been delinquent in the amount of $xxx.xx, which was due on xx/xx/xxxx. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $10,943.40 exceed fees threshold of $9,967.92 over by +$975.48. <br> The following fees were included in the test:<br> Loan Origination Fee paid by Borrower: $9,487.50<br> Points - Loan Discount Fee paid by Borrower: $1,455.90."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE xx d fees test due to fees charged $10,943.40 exceed fees threshold of $9,967.92 over by +$975.48. <br> The following fees were included in the test:<br> Loan Origination Fee paid by Borrower: $9,487.50<br> Points - Loan Discount Fee paid by Borrower: $1,455.90." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 4xx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 44474613 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ????.?? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 79.452% | 79.452% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 741 | Not Applicable | 40.528% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual county taxes for xxxx/xxxx are delinquent in the amount of $x,xxx.xx, which is payable through xx/xx/xxxx. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> No details pertaining to the damage to the subject property have been observed.<br> As per the seller's tape data, the subject property is occupied by the owner. <br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Good Faith Estimate<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Release of mortgage (Lvl 4) "As per the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2013 in favor of MERS as nominee for PMAC Lending Services, Inc., in the amount of $290,000.00, which was recorded on xx/xx/2013 with instrumenxx. UT shows severe defect for subject mortgage satisfaction. As per the tape data, the lien was mistakenly released due to an erroneous payoff reversal dated xx/xx/2021. A third-party title company incorrectly wired funds resulting in the misapplication of funds to the borrower's additional account with Mr. Cooper (xx A Substitution of Trustee and Full Reconveyance was recorded on xx/xx/2020, officially releasing the lien. xx the process of recording a rescission document to formally reverse the lien release." |  | \* Good Faith Estimate missing or unexecuted (Lvl 2) "The final GFE is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 68915992 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Not Applicable | Chapter 13 | xx | ? | No | xx | Not Applicable | ???.?? | ?.?% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 97.464% | 97.464% | Full Documentation | No | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 49.044% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | Not Applicable | x.x% | xxx.x | xx/xx/xxxx | Financial Hardship | As per updated title report dated xx/xx/xxxx shows the subject mortgage was originated onxx<br> Chain of assignlment is complete. Latest assignment per updated title is with xx<br> There is junior mortgage in the favor of xx<br> There is state tax lien in the favor of xx<br> xxxx Town Annual taxes are paid in the amount of $xxx.xx and County Annual taxes are paid in the amount of $xxx.xx. xxxx/xxxx School Annual taxes are paid in the amount of $x,xxx.xx and no prior years delinquent taxes found. | Review of payment history as of date xx/xx/xxxx reflects the borrower was delinquent for more than xxx days. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied to xx/xx/xxxx. The UPB reflected is $xx,xxx.xx taken as per tape and current P&I is $xxx.xx with PITI is $xxx.xx. | Collections Comments:The review of the collection comment shows that the loan is currently in bankruptcy and was next due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied to xx/xx/xxxx. The UPB reflected is $xx,xxx.xx taken as per tape and current P&I is $xxx.xx with PITI is $xxx.xx. The borrower is making payments of P&I as per modification agreement.<br> RFD is unable to determine. <br> The loan had been modified on xx/xx/xxxx. The Unpaid principal Balance is $xx,xxx.xx with interest rate x.x%. The borrower promises to pay the monthly P&I of $xxx.xx beginning from xx/xx/xxxx. The maturity is dated on xx/xx/xxxx. No balloon provision and step modifications are given.<br> Foreclosure was initiated and was referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx and the service was completed on xx/xx/xxxx. However, no further information has been found for sale.<br> The review of the bankruptcy shows that the borrower had filed bankruptcy underxx<br> As per collection comments dated xx/xx/xxxx, the subject property is owner-occupied. <br> As per BPO report dated xx/xx/xxxx, the subject property is owner-occupied and the condition is average. Its listed quoted price is $xxx,xxx. <br>Foreclosure Comments:Foreclosure was initiated and was referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx and the service was completed on xx/xx/xxxx. However, no further information has been found for sale.<br> Bankruptcy Comments:The review of the bankruptcy shows that the borrower had filed bankruptcy under xx | This modification agreement was signed between the borrower xx <br> The Unpaid principal Balance is $xx,xxx.xx with interest rate x.x%. The borrower promises to pay the monthly P&I of $xxx.xx beginning from xx/xx/xxxx. The maturity is dated on xx/xx/xxxx. No balloon provision and steps modifications are given. | Good Faith Estimate<br> Mortgage Insurance | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Exceptions Test Failed (Lvl 2) "HOEPA Higher-Priced Mortgage Loan Test: FAIL Loan Data: 5.879% Comparison Data: 5.550% Variance: +0.329%<br> PA License Validation Test: FAIL"<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed the HOEPA higher-priced mortgage loan test.<br> This loan failed the Pennsylvania license validation test."<br> \* Good Faith Estimate missing or unexecuted (Lvl 2) "Good faith estimate is missing in the file."<br> \* Initial Good Faith Estimate is Missing (Lvl 2) "Initial good faith estimate is missing in the loan file."<br> \* MI, FHA or MIC missing and required (Lvl 2) "MI Certificate is missing in the loan file." |  | Moderate | Not Covered | Pass | Pass | Not Covered | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 24179826 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 53.608% | 53.608% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 764 | 739 | 44.583% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> As per tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWRx and xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The subject loan was closed without an appraisal. Thxx<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (xx ue to fees charged $10,053.60 exceeds fees threshold of $7,463.43 over by +$2,590.17. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,495.00<br> Points - Loan Discount Fee paid by Borrower: $8,558.60<br>Loan fails QM lending policy points and fees test due to fees charged $10,053.60 exceeds fees threshold of $7,463.43 over by +$2,590.17. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,495.00<br> Points - Loan Discount Fee paid by Borrower: $8,558.60" | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 44.58%. Tape shows undisclosed debt with a monthly payment of $730 was opened prior to closing. Revised DTI is 57.65%. Furtxx |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 89271158 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 75.610% | 99.187% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 794 | Not Applicable | 41.299% | First | Short Form Policy | Not Applicable | xxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a prior mortgage against the subject property in favor of MERS as nominee for xx recorded on xx/xx/xxxx. As per the subordination agreement recorded on xx/xx/xxxx, the prior mortgage is subordinate to the subject mortgage.<br> The first installment of combined taxes for xxxx has been paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is xx<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2023 does not reflect Appraisal Fee. Final CD dated xx/xx/2023 reflects Appraisal Fee at $525.00. This is an increase in fee of +$525.00 for charges that cannot increase. xx n failed charges that in total cannot increase more than 10% tolerance test. LE dated xx/xx/2023 reflects the sum of Section C fees and Recording fee at $984.00. CD dated xx/xx/2023 reflects the sum of Section C and Recording fee at $1,159.00. This is a cumulative increase of +$76.60 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is a refixx<br> \* LE/CD Issue date test Fail (Lvl 3) "Loan fails compliance delivery and timing test for CD dated 0xx/xx/2023. The document tracker is missing, and 3 business days were added to get the receipt date of xx/xx/2023, which is after the consummation date of 0xx/xx/2023. Subject loan is a refinance case originated on 0xx/xx/2023 and the 3-year SOL is active."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "Tape shows the subject condo project does not meet Freddie Mac guideline as the project budget requirements for established condominium projects could not be determined, as the condo questionnaire is missing from the loan documents. Further details not provided. Zillow search shows an estimated value of $173K. Current UPB is $86K." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 36999741 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Unavailable | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 626 | 652 | 34.984% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a state tax lien against the borrower in favor of "xx<br> The water/sewer charges were delinquent in the amount of $xxx.xx, with a good-through date of xx/xx/xxxx. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx.<br>| Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is xx<br> As per the comment dated xx/xx/xxxx, the RFD was curtailment of income. <br> As per the comment dated xx/xx/xxxx, the foreclosure was initiated on xx/xx/xxxx, and as per the comment dated xx/xx/xxxx, the complaint was filed on xx/xx/xxxx. According to the comment dated xx/xx/xxxx, the judgment was entered on xx/xx/xxxx. As per the comment dated xx/xx/xxxx, the FC was closed as the loan was reinstated. <br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWRx has been an Sxx<br> BWRx has been an xx<br> Foreclosure Comments:As per the comment dated xx/xx/xxxx, the foreclosure was initiated on xx/xx/xxxx, and as per the comment dated xx/xx/xxxx, the complaint was filed on xx/xx/xxxx. According to the comment dated xx/xx/xxxx, the judgment was entered on xx/xx/xxxx. As per the comment dated xx/xx/xxxx, the FC was closed as the loan was reinstated. <br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 34.98%. The tape shows income miscalculation, undisclosed debt with a monthly payment of $2,997, and the monthly HI payment was miscalculated. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2021, and the 3-year SOL has expired. Bxx<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "Loan failed qualified mortgage safe harbor threshold test due to APR calculated 5.834% exceeds APR threshold of 4.480% over by +1.354%. Subject loan is escrowed."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed compliance ease delivery and timing test for initial CD dated xx/xx/2021. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 which is less than 3 business days before the consummation date of xx/xx/2021."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test xx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 32994559 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 68.852% | 68.852% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 706 | Not Applicable | 40.256% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There are multiple state tax liens against the borrower in favor of the xx<br> There are multiple IRS liens against the borrower in favor of the xx<br> There are multiple civil judgments against the borrower in favor of xx<br> The xst and xnd installments of county taxes for xxxx/xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> Unable to determine the occupancy of the subject property.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the servicing comment dated xx/xx/xxxx, the subject property was damaged due to a wind disaster. Thexx<br> BWR has x months on the job as axx <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents.xx | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 40.25%. Tape showxx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $5888.88 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 56497351 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 755 | Not Applicable | 34.568% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> No details pertaining to the damage to the subject property have been observed.<br> As per the comment dated xx/xx/xxxx, the reason for the default is a payment dispute. Further details not provided.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.xx years on the xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "Subject approved as OO. Tape shows the subject is NOO as BWR listed the subject property for rent after closing. Further details not provided. Elevated for client review." | \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 34.56%. Tape shows Bxx, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/2025, and the 3-year SOL is active. Bxx |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 77567574 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | 103.300% | 103.300% | Full Documentation | No | xx | xx | Unavailable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 793 | Not Applicable | 42.814% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There are xx state tax liens against the borrower filed by different plaintiffs, which were recorded on xx/xx/xxxx & xx/xx/xxxx in the total amount of $xx,xxx.xx.<br> There are xx prior civil judgments and a hospital lien active against the borrower in the total amount of $x,xxx.xx filed by different plaintiffs & recorded on different dates. <br> The xst and xnd installments of town taxes for xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is x<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has xx.xx years on the xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails the loan origination fee test as fees charged of $8,084.00 exceed the fee threshold of $4,183.65 by +$3,900.35. The below fees were included in the test: Additional home services or repairs paid by the borrower: $1,060.00 HOA capital contribution paid by borrower: $1,744.00 Real estate commission paid by borrower: $4,090.00 Real estate company flat fee paid by borrower: $350.00 Settlement or Closing Fee paid by Borrower: $685.00 Title Closing Protection Letter paid by Borrower: $75.00 Title Courier Fee paid by Borrower: $80.00"<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "Loan fails prohibited fees test. The below fees were included in the test: Additional home services or repairs paid by borrower: $1,060.00 Additional home services or repairs paid by seller: $437.00 HOA capital contribution paid by borrower: $1,744.00 Real estate commission paid by seller: $xx<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows BWRxxas joint tenancy" acquired the subject property and originated the subject mortgage on xx/xx/xx <br> \* MI, FHA or MIC missing and required (Lvl 3) "The mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." | \* LTV / CLTV > 100% (Lvl 2) "Collateral value used for underwriting: xx Loan amount: xx LTV / CLTV = 103.300%. The current UPB is $418K." |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 93266152 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ????? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 50.000% | 50.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 689 | Not Applicable | 43.237% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for xxxx/xxxx have been paid in the amount of $xx,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> The first and second installments of county taxes for xxxx-xxxx are due in the amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> As per the seller's tape, the subject property is owner occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.xx years on thexx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure | xx | 3: Curable |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) "The escrow account disclosure is missing from the loan documents."<br> \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows payment history is clean and LTV is low. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $593,840.97. Further details not provided." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 43.23%. Tape shows an error on the VOE. Review of the file shows post-closing VOE dated 2/2/24. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-yexx<br> \* ComplianceEase TILA Test Failed (Lvl 2) "Finance charge disclosed on final CD as xx Calculated finance charge is xx for an under disclosed amount of -$1,200.00. Reason for finance charge under disclosure is unknown as the fee itemization is missing. The subject loan is a purchase case originated on xx/xx/2024, and the 1-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 96747267 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ????.?? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 802 | Not Applicable | 25.963% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The xst installment of county taxes for xxxx/xxxx supplemental-secured is delinquent in the total amount of $x,xxx.xx, which was due on xx/xx/xxxx and good through xx/xx/xxxx.<br> The xnd installment of county taxes for xxxx/xxxx supplemental-secured is due in the total amount of $x,xxx.xx on xx/xx/xxxx.<br> The xst and xnd installments of county taxes for xxxx/xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx & xx/xx/xxxx. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> As per the tape data, the property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.xx years on the jobxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails qualified mortgage lending policy points and fees test due to fees charged $10,671.00 exceed fees threshold of $7,981.67 over by +$2,689.33. <br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $5,668.00<br> Points - Loan Discount Fee paid by Borrower: $3,808.00<br> Underwriting Fee paid by Borrower: $1,195.00."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE xx<br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $5,668.00<br> Points - Loan Discount Fee paid by Borrower: $3,808.00<br> Underwriting Fee paid by Borrower: $1,195.00."<br> \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from the loan documents."<br> \* Property is Manufactured Housing (Lvl 3) "As per the appraisal report, which is located at "xxproperty type is a manufactured home. The manufactured home rider and affidavit of affixation attached to the recorded mortgagxx state that the manufactured home with serial # xx been affixed to the permanent foundation. FTP scheduled B located at xx or Commercial Coach, installed on a permanent foundation system recorded on xx/xxxx<br> \* Property Marketability Issues (Lvl 3) "The tape and file show the subject is a manufactured home that was manufactured in 1984, and the affidavit of affixture was recorded in 2023. The engineer's certificate verifying the property was permanently affixed and never moved is missing from the loan documents. Further details not provided." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 does not reflect points - loan discount fee. Final CD dated xx/xx/2024 reflects points - loan discount fee at $3,808.00. This is an increase in fee of $3,808.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br> Subject loan is a purchase case, originated on xx/xx/2024 and the 1-year SOL is expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 62476428 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | 4 Family | xx | xx | Primary | Yes | Yes | No | 729 | Not Applicable | 41.590% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> As per tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.xx years on the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject was approved at 41.59%. Tape and file shows supporting documents for verifying BWR prior housing expenses are missing from the loan documents. Further details not provided. Lender defect. The subject originated on xx/xx/2024, and the 3-year SOL is active. BWR has 2.33 yxx | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows mortgage broker company license was not active when the application was originated and the license was renewed at closing. Further details not provided." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 does not reflect points - loan discount fee. CD dated xx/xx/2024 reflects points - loan discount fee at $4,936.21. This is an increase in fee of +$4,936.21 for charges that cannot increase. The subject loan is a purchase case originated on xx/xx/2024, and the 1xx<br> \* Intent to Proceed Missing (Lvl 2) "The borrower's intent to proceed is missing in loan file."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 89409032 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 60.000% | 60.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 693 | Not Applicable | 36.835% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for xxxx was paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> Annual water charges for xxxx are due in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> Unable to determine the occupancy of the subject property.<br> As per the collection comment dated xx/xx/xxxx, the RFD was servicing problem.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been an xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Notice of Servicing Transfer | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 36.83%. Tape shows the lender mistakenly excluded a debt. The revised DTI is 59.82%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been an xx | \* Loan does not conform to program guidelines (Lvl 3) "As per the seller's tape, the borrower is one month delinquent with the loan in the last 12 months. The loan was originated on xx/xx/2024 with the first payment on xx/xx/2024. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $176,686.84. As per the payment history, the borrower made the payment of Jun-2024 on xx/xx/2024."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 3) "Servicing transfer is missing from the loan documents." |  | \* Settlement date is different from note date (Lvl 1) "The final CD reflects the closing date as xx |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 1781755 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 682 | Not Applicable | 49.023% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for xxxx has been paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx is due in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history tape data as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. We are unable to determine the last payment received. The current P&I $xxx.xx and the current interest rate is x.xxx%. The current UPB reflected as per the payment history tape data is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history tape data as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history tape data is xx<br> As per the seller's tape, the subject property is owner occupied.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx.xx years onxx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Tape and file show the subject condo project was not approved by FNMA as repairs totaling $92K were being conducted on the condo. 1004D or the final inspection report verifying the completion of repairs, is missing from the loan documents. Further details not provided. Zillow search shows an estimated value at $135K. Current UPB $128K."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2024 reflects Credit Report Fee at $85.00. Final CD dated xx/xx/2024 reflects Credit Report Fee at $87.00. This is an increase in fee of +$2.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case originated on xx/xx/2024, and the 1-year SOL is active." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan testxx. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 13351671 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 754 | 689 | 49.452% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> No details pertaining to the damage to the subject property have been observed.<br> As per the seller's tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x years on the job as an assistant manager with Cabinets To Go.<br> BWRx has been xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure | xx | 3: Curable |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) "Initial escrow account disclosure is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 49.45%. Tape shows lender included the BWR IRS debt in DTI but did not obtain and review the payment history. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 7 yearxx an SE for 3.2xx |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 44571218 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | FHA | Fixed |  | Cash Out | 81.400% | 81.400% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 644 | Not Applicable | 41.886% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There are two credit card judgments against the borrower in favor of xx<br> The annual installment of combined taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per seller tape data, the occupancy of the subject property is owner-occupied.<br> BWR hasxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject loan did not close within the case file expiration date. Further details not provided." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/2021. The initial LE dated xx/xx/2021 reflects a lender credit of $776.00, and the final CD dated xx/xx/2021 reflects a lender credit of $0.00. This is a decrease of +$776.00 for a fee that has a 0% tolerance test. The subject loan is a purchase, originated on xx/xx/2021, and the 1-year SOL has expired."<br> \* MI, FHA or MIC missing and required (Lvl 2) "The mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 50227685 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Hawaii | xx | xx | xx | Hawaii | xx | xx | No | Yes | Not Applicable | Second |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Commercial | Fixed |  | Cash Out | 68.793% | 68.793% | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Investor | Yes | Yes | Yes | 708 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a prior mortgage against the subject property that originated on xx<br> The xst and xnd installments of county taxes for xxxx were paid in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is xx<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan is xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Subject is approved as a DSCR loan, and the tape shows the investor did not honor the terms of lock. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 11421978 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | No | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 74.971% | 74.971% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 704 | 714 | 49.029% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual combined taxes for xxxx have been paid in the amount of $xx,xxx.xx on xx/xx/xxxx. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is xx<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the occupancy of the subject property.<br>BWRx has xx.xx years on the xx<br> BWRx has x months on the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "Tape and review of the appraisal report show the subject is a 1-unit property with 2 ADUs, and guidelines only allowed for 1. Zillow search shows an estimated value of $631K. Current UPB is $465K." |  | \* Settlement date is different from note date (Lvl 1) "The final CD reflects the closing date as xx |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 6944131 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Commercial | Fixed |  | Purchase | 80.000% | 80.000% | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 778 | 817 | 22.610% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first installment of school taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The second installment of combined taxes for xxxx is due in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> Unable to determine the occupancy of the subject property.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWRx has xx<br> BWRx has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape and file show personal guaranty document is missing from the file. Xx |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 27473363 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | ???.?? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 694 | 664 | 24.024% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for xxxx have been paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> The first and second installments of county taxes for xxxx have been paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> The first and second installments of county taxes for xxxx have been paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> The first installment of county taxes for xxxx has been paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx has been delinquent in the amount of $xxx.xx, which is good through xx/xx/xxxx. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> As per tape data, the property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWRx has x xx<br> BWRx has x xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject property type is manufactured home, and DU report in file shows property type was incorrectly submitted as SFR. Further details not provided." | \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (xxated at 4.896% exceeds APR threshoxx<br> \* Property is Manufactured Housing (Lvl 2) "As per the appraisal report, which is locatexx t property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage locatedxx ufactured home with serial # 42658 has been affixed to the permanent foundation." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 83287964 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Wisconsin | xx | xx | xx | Wisconsin | xx | xx | No | Yes | Not Applicable | First |  | ? | ??.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 47.470% | 47.470% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 795 | Not Applicable | 40.462% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The annual installment of county taxes for xxxx has been paid in the amount of $xx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history tape data is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history tape data is xx<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape data, the property is owner-occupied.<br> BWR has x.xx xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock<br> Notice of Servicing Transfer | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report was subject to the completion of the home. 1004D shows construction of the subject is completed except there is no sink in the basement bathroom and there is no door to the bedroom closet. The estimated cost to cure is not available in the loan file. Final 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 3) "The loan was originated on xx/xx/2024 witxx pe shows the current UPxx 7. As per servicing comment xx/xx/2025, the service has been released on xx/xx/2025." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 40.46%. Tape shows BWR is xx |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $0.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 22166895 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.188% | 101.845% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 755 | 759 | 46.657% | First | Final policy | Not Applicable | xxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. There is a junior mortgage against the subject property that originated on xx/xx/xxxx in the amount of $xx,xxx.xx, which was recorded on xx/xx/xxxx with the instrument #xx. The annual county taxes for xxxx were paid in the amount of $xxx.xx on xx/xx/xxxx. No prior year's delinquent taxes have been found. The water charges for xxxx are due in the amount of $xx.xx on xx/xx/xxxx. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx CCs do not show damages. As per the seller's tape data, the subject property is owner-occupied. The loan has not been modified since origination. No foreclosure activity has been found. No post-close bankruptcy record has been found. BWRx has x.xx xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 46.66% and originated on 2/28/25, the 3-year SOL is active. Lender used bonus, commission andxxyears. Revised DTI is over 100%. Lender defect. BWR is exx BWR 2 is xx | \* Loan does not conform to program guidelines (Lvl 3) "Tape and file show BWR does not meet HUD residency requirements as xx<br> \* MI, FHA or MIC missing and required (Lvl 3) "This loan is xx The mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." | \* LTV / CLTV > 100% (Lvl 2) "Collateral value used for underwriting: xx |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 87289518 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 100.000% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 807 | Not Applicable | 40.570% | First | Final policy | Not Applicable | xxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated onxx<br> There is a junior mortgage against the subject property that originated on xx<br> There is a prior civil judgment against xx in the amount of $xxxx.xx, wxx<br> The xst and xnd installment county taxes for xxxx have been paid in the amount of $xxxx.xx on xx/xx/xxxx. <br> No prior year's delinquent taxes have been found.  | The loan originated on xx/xx/xxxx, and the first payment is due on xx/xx/xxxx. According to payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> The loan originated on xx/xx/xxxx, and the first payment is due on xx/xx/xxxx. According to payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> CCs do not show damages.<br> As per the seller's tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx.x xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "The tape shows a TRID violation as the CD was disclosed with an incorrect rate for the second lien loan. File shows the second lien of $18,900 was approved with an interest rate of 1%, and the CD for the second lien reflects an interest rate of 0%. Further details not provided." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 1692113 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 728 | Not Applicable | 49.013% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is xx<br> As per the seller's tape data, the subject property is occupied by the owner. <br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.xx years on the job as a xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 49.01%. Tape shows BWR was xx<br> \* Cash out purchase (Lvl 2) "The subject loan is a purchase case. Final CD dated 0xx/xx/2024 reflects cash to in the amount of $2,649.33."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 21171431 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 60.000% | 60.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 624 | Not Applicable | 46.127% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for xxxx has been paid in the amount of $xx,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is xx<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR has x.xx years on thexx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "The tape and appraisal report show the subject property needs repairs for flooring, ceiling, landscaping, water damage, and removal of the previous owner's stuff. The appraisal report reflects the estimated cost to cure the repairs in the amount of $10,000. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount." |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "Loan failed QM safe harbor threshold test due to APR calculated 8xx |  | Elevated | Not Covered | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $10000.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 2478382 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 745 | Not Applicable | 43.342% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for xxxx has been paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.x years on thexx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3) "This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 43.34%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has xx |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 79126681 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 98.325% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 735 | 721 | 44.746% | First | Final policy | Not Applicable | xxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is an active junior mortgage against the subject property in favor of xx<br> There is a prior credit card judgment against the borrower in favor of xx<br> There are xx prior child support liens against the borrower in favor of the xx<br> The xst and xnd installments of county taxes for xxxx and xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx, xx/xx/xxxx, and xx/xx/xxxx.<br> The xnd installment of county taxes for xxxx and xxxx is due in the total amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWRx has x.xx years on the xx<br> BWRx has x.xx years on the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* Property Marketability Issues (Lvl 3) "The tape shows the subject condo project is non-warrantable as the SB326 inspection requiredxxinformation on the reserves and budget of the condo project. Further details not provided. xx | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 reflects HOA cert fee at $350.00. Final CD dated xx/xx/2024 reflects HOA cert fee at $356.95. This is an increase in fee of $6.95 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2024, and the 1-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 65568249 | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | Yes | Not Applicable | First |  | ????.?? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ???.? | ??.??% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 63.402% | 63.402% | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | Unavailable | 536 | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx | Not Applicable | x.xx% | xxx | xx/xx/xxxx | Lower Interest Rate | Review of updated title Report dated xx/xx/xxxx shows the subject mortgage was originated on xx/xx/xxxx withxx<br> As per updated title report there is junior mortgage found in the amount of $xxxxx.xx for the favor of xx<br> There is certificate of sale for sewer and utility against the property found in the amount of $xxx.xx which is recorded on xx/xx/xxxx. however, the lien was redeemed on xx/xx/xxxx.<br> There is two civil judgment found against the borrower in the amount of $xxxx.xx as below :-<br> x) Civil judgment against the borrower in the amount of $xxxx.xx for the favor oxx<br> x) Civil judgment against the borrower in the amount of $xxxx.xx for the favor ofxx<br> There are taxes for the year of xxxx, xst, xnd installment was paid in the amount of $xxxx.x and taxes for the year of xxxx, xrd installment was delinquent in the amount of $xxxx.xx.<br> Taxes for the year of xxxx, xth installment was due on xx/xx/xxxx in the amount of $xxxx.xx. | As per the review of payment history, the borrower is xxx+ days delinquent. The last payment was received on xx/xx/xxxx in the amount $xxx.xx which was applied to xx/xx/xxxx. The next due date is xx/xx/xxxx. The payment was received as per modification agreement. As per payment history current UPB is $xxx,xxx.xx. | Collections Comments:Available servicing comments from xx/xx/xxxx till xx/xx/xxxx states the loan is in active bankruptcy and payments are xxx plus days delinquent. Borrower ability seems low as struggling to make payments since x months but it could get to better if an affordable restructure plan put in place. And borrower wants to keep the property and willing to do some workout plan like modification or forbearance to make the loan current. Borrower contact is established.<br> Review of the payment history provided by Select Portfolio Servicing, inc. from xx/xx/xxxx to xx/xx/xxxx reveals that borrower has been the delinquent for more than xxx days. The last payment was received in the amount of $xxx.xx on xx/xx/xxxx which was applied for the due date xx/xx/xxxx. The next due date is xx/xx/xxxx. Current UPB reflects in the provided payment history is in the amount of $xxx,xxx.xx and current interest rate as per payment history is x.xxx %.<br> Borrower filed xx. Motion for relief from automatic stay was filed on xx/xx/xxxx.<br> As per servicing comment reason for default is illness of borrower.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Borrower has filed bankruptcy under Cxx per months for the xx months. The motion for relief filed on xx/xx/xxxx. | This loan modification was done on xx/xx/xxxx between the xx. As per modification agreement lender was forgiven the principal in the amount of $xx,xxx.xx and interest bearing amount is $xxx,xxx.xx. As per modification original rate is x.xxx % and Monthly P&I is $xxx.xx. The modification payment start date is xx/xx/xxxx and new maturity date is xx/xx/xxxx | HUD-x Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Copy of final HUD-1 is available in the loan file, however all point and fees value are hand written." | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed the points and fees test.<br> This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed xx<br> The loan does charge fee(s) not provided for in this act, which is prohibited.<br> A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)<br> discount points which may be labeled as an origination fee." |  | Moderate | Not Covered | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 3706989 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 98.189% | Full Documentation | Not Applicable | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 696 | Not Applicable | 56.301% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for xxxx has been paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx is due in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> Unable to determine the reason for the default.<br> No foreclosure and bankruptcy details have been found.<br> Subject property occupancy is unable to be determined. <br> No damage and repairs have been found.<br> BWR has x months on thexx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3) "Tape shows a large deposit was not sourced. Bank statement in the file shows assets of $2,526 and gift assets of $6,200 supported by a gift letter and the cash-to-close requirement is $8,023. Further details not provided. BWR has 4 months on the xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "The loan fails the compliance delivery and timing test for the CD dated xx/xx/2024. The document tracker is missing, and 3 business days were added to get the receipt date of xx/xx/2024, which is after the consummation date of xx/xx/2024."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/2024. The initial LE dated xx/xx/2024 reflects a lender credit of $1,460.00, and the final CD dated xx/xx/2024 reflects a lender credit of $0.00. This is a decrease of +$1,460.00 for a fee that has a 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.<br>Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 does not reflect the MCC fee. The CD dated xx/xx/2024 reflects MCC fee at $250.00. This is an increase in fees of $250.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the lxx |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 4862241 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 767 | 796 | 41.633% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The xnd installment of county taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The xst installment of county taxes for xxxx was paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is xx<br> The reason for default is unable to be determined.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> The occupancy of the subject property is unable to be determined.<br> BWRx has x.xx years on xx<br> BWRx has xx.xx years xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counseling organizations disclosure is missing from the loan documents."<br> \* Intent to Proceed Missing (Lvl 3) "Intent to proceed is missing from loan documents."<br> \* Missing Required Disclosures (Lvl 3) "The settlement services provider list is missing from loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 45.25%. Tape shows income miscalculation by including rental income for a property not showing on tax returns. Revised DTI is 52.33%. Lender defect. The subject loan originated on xx/xx/2023, and the xx<br> Downgrade to LVL2 based on PH."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 93487920 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 61.860% | 61.860% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 641 | Not Applicable | 39.618% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens found.<br> The annual installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is xx<br> The appraisal report reflects as-is conditions, and the photos addendum shows the interior of the recreation outbuilding is not completed. Estimated cost to cure is not available in the loan file. Further details not provided.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No information has been found regarding the forbearance plan.<br> As per the tape data, the property is owner-occupied.<br> BWR has been an SE for x<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a refinance, originated on xx/xx/2024 and the SOL is 3 years."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $3,931.24 exceeds fees threshold of $3,821.83 over by +$109.41. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $2,431.24<br> Processing Fee paid by Borrower: $1,500.00"<br> \* ComplianceEase TILA Test Failed (Lvl 3) "This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. Subject loan is a refinance, originated on xx/xx/2024 and the SOL is 3 years."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Revised CD#1 dated xx/xx/2024 reflects Points - Loan Discount Fee at $1,309.97. Final CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $2,431.24. This is an increase in fee of $1,121.27 for charges that cannot increase. Valid COC is available at pg#23. Final, COC is not getting tested due to loan failing TRID delivery and timing test. Subject loan is a refinance, originated on xx/xx/2024 and the SOL is 3 years. <br> Loan failed charges in total cannot increase more than 10% in the tolerance test. The LE dated xx/xx/2023 reflects the sum of Section C fees and recording fees at $1,768.00. Final CD dated xx/xx/2024 reflects the sum of Section C and the recording fee at $2,975.70. This is a cumulative increase of $1,090.90 for charges that in total cannot increase more than 10% test. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance, originated on xx/xx/2024 and the SOL is 3 years."<br> \* GSE Points and Fees Test Violations (Lvl 3) "The loan fails the xx s test due to fees charged of $3,931.24 exceeds fees threshold of $3,821.83 over by +$109.41. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $2,431.24<br> Processing Fee paid by Borrower: $1,500.00"<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape and review of the file show the survey was due prior to closing and is missing from the loan documents. Further details not provided. Reaching out to PT to determine if the lot is surveyed or platted. PT confirms that there is not a recorded survey or platted map. Legal description attached to the mortgage shows the subject is described as parcel 5 with multiple indices of a surveyed parcel. Description and recording information match title policy. Downgraded to LVL3."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 53.97%. Lender excluded a business loss and used the incorrect PITI payment. The revised DTI is 58.56%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024 axxity ixx<br> Downgrade to LVL2 based on PH."<br> \* Property is Manufactured Housing (Lvl 2) "As per the appraisal report, which is lxx erty type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at xx | \* Settlement date is different from note date (Lvl 1) "Final CD reflects closing date as xx | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 49293517 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 736 | Not Applicable | 48.519% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There are x prior hospital liens found against the borrower in the total amount of $xxx,xxx.xx filed by xx. in the amount of $x,xxx.xx, which was recorded on xx/xx/xxxx.<br> The xst installment of county taxes for xxxx has been paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The xnd installment of county taxes for xxxx is due in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is xx<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the property is owner-occupied.<br> BWR has x.xx xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 48.51%. Review shows lender used a lease agreement to a family member. The revised DTI is 76.99%. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 3xx residual income $1554 and $20K equity in the subject." | \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 21300405 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | ?.?? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 87.483% | 87.483% | Full Documentation |  | Not Applicable |  |  |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 585 | Not Applicable | 62.044% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The xnd installment of county taxes for xxxx is due in the amount of $xxx.xx on xx/xx/xxxx.<br> The xst installment of county taxes for xxxx is delinquent (remaining after payment) in the amount of $x.xx, which was good through xx/xx/xxxx.<br> The xst installment of county taxes for xxxx was paid partially in the amount of $xxx.xx on xx/xx/xxxx. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for the due date of xx/xx/xxxx. The current monthly P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is xx<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the occupancy of the subject property.<br> BWR has x.xx years xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing DU/GUS/AUS<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 62%. Tape shows lender decision to fund the loan. Further details not provided. Lender defect. The subject loan originated on xx/xx/2025, and the 3-year SOL is active. BWR has 8.50 years on xx | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) "AUS report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | \* Appraisal dated after closing (Lvl 1) "Appraisal report dated 2/5/2025 is after closing date 0xx | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 99266741 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.722% | 75.722% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 628 | Not Applicable | 26.062% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for xxxx is paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is xx <br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per tape data, the subject property is occupied by the owner. <br> BWR has been an SE forxx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape and file shows AUS risk recommendation is approve/ineligible. Further details not provided. Xx |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 53059159 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 60.000% | 60.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 796 | Not Applicable | 35.561% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is one active civil judgment against the borrower in favor of xx<br> The xst installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The xnd installment of county taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is xx<br> As per the tape, the property occupancy is stated as an investor.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> BWRxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 35.56%. The tape shows rental income miscalculation as the supporting documents to verify PITI of REO are missing. The revised DTI is 37.97%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2025, and the 3-year SOL is active. BWR xx |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 91047648 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | Not Applicable | xx | Primary | Yes | Yes | No | 786 | 782 | 45.678% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx. No active judgments or liens found. (Parcel #xx) The xst installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx. (Parcel #xx) The xst installment of county taxes for xxxx has been paid in the amount of $xxx.xx on xx/xx/xxxx. No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/xxxx, and the first payment is due on xx/xx/xxxx. According to payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current P&I is $xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> The loan was originated on xx/xx/xxxx, and the first payment is due on xx/xx/xxxx. According to payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination. <br> No post-close bankruptcy record has been found. <br> As per the seller's tape data, the subject property is owner-occupied. <br> BWR has x months on the job as a senior project designer with xx. BWR has prior employment experience as a project designer with xx for x years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "TRID violation due to decrease in lender credit on post-closing disclosure dated xx/xx/2025. The initial LE dated xx/xx/2025 reflects a lender credit of $506.00, and the post-CD dated xx/xx/2025 reflects a lender credit of $0.00. This is a decrease of $506.00 for a fee that has a 0% tolerance test. The subject loan is a purchase originated on xx/xx/2025, and the SOL is 1 year."<br> \* LE/CD Issue date test Fail (Lvl 3) "Revised closing disclosure dated xx/xx/2025 is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "The tape shows the FNMA condo approval for the subject condo project was removed on 2/27 and the loan was approved on 2/20. Further details not provided. Condo questionnaire is missing from the loan documents. Zillow search shows an estimated value of $385K. Current UPB $316K." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 19902707 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 772 | Not Applicable | 45.567% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx.<br> There are x prior civil judgments against the subject borrower in favor of different plaintiffs, which were recorded on different dates in the total amount of $xx,xxx.xx.<br> The xxxx county annual taxes were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per tape data, the subject property has been occupied by the owner.<br> BWR has been an xx for x.xx years at xxx xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 45.56%. Tape shows income misrepresentation. Lender obtained tax transcripts that did not match to the BWR amended tax returns. Further details not provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has been an xx for 7.66 years at xx, and $22K equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase originated on xx/xx/2023, and the SOL is 1 year."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2023 reflects transfer taxes at $1,197.00. Final CD dated xx/xx/2023 reflects transfer taxes at $3,717.00. This is an increase in fees of +$2,520.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase originated on xx/xx/2023, and the SOL is 1 year."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 29735260 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | 99.280% | 99.280% | Full Documentation | Not Applicable | xx | xx | Unavailable | Not Applicable |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | No | 733 | Not Applicable | 45.664% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> First installment of combined taxes for xxxx has been paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the currents status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per tape data, the subject property is owner-occupied.<br>BWR has x.xx years on the job as a manager with xx. Additionally, BWR receives VA benefits income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the lender miscalculated eligibility and the BWR does not have any entitlement for the subject loan. The certificate of eligibility available in the file shows BWR does not have any entitlement left for the subject loan, as the total entitlement charged to the previous VA loans is $158K. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 90588749 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 70.000% | 70.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 3 Family | xx | xx | Investor | Yes | Yes | No | 751 | 783 | 38.737% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWRx receives fellowship income.<br> BWRx has x months on the job as a dietician at xx. Previously, BWRx had x.xx years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 38.74%. The tape shows unable to qualify without rental income. Lender used rental income to qualify when the BWR's do not have a history of renting. Further details not provided. Lender defect. Revised DTI 55.55%. Subject loan originated xx and the 3-year SOL is active. The BWR is a PhD Student at xx a salary and fellowship income for 3.11 years, BWR 2 is employed with xx. |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 84316810 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 797 | Not Applicable | 31.651% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx.<br> There is one civil judgment against the borrower, xx, which was recorded on xx/xx/xxxx. Amount of judgment is not available on supportive document.<br> First installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> Second installment of county taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/xxxx and the first payment date is xx/xx/xxxx. According to the payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per tape, the subject property is owner occupied.<br> BWR has been an xx for xx.xx years at xx. Additionally, BWR has x.xx years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of xx. Comp #1, with a sales price of xx, is closest to the subject property. The revised appraisal ordered came with a lower appraised value of xx. Zillow search shows an estimated value of xx. Current UPB is $522K." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 58435062 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Minnesota | xx | xx | xx | Minnesota | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 87.841% | 98.955% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 683 | Not Applicable | 42.977% | First | Final policy | Not Applicable | xxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx.<br> There are two junior mortgages against the subject property. First junior mortgage was originated on xx/xx/xxxx and was recorded on xx/xx/xxxx with instrument # xx in the amount of xx with xx, and second junior mortgage was originated on xx/xx/xxxx and was recorded on xx/xx/xxxx with instrument # xx in the amount of xx with xx. First installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx. Partial payment for the second installment of county taxes has been paid in the amount of $xxx.xx on xx/xx/xxxx. Second installment of county taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx. No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/xxxx and the first payment date is xx/xx/xxxx. According to the payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history tape data is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history tape data is $xxx,xxx.xx.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per seller's tape data, the subject property is owner-occupied.<br> BWR has been an SE for x.xx years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The subject loan is NOO and was approved at 42.97%. Tape shows the subject loan closed with manual UW and approved at DTI exceeding the allowable limit. Further details not provided. Review shows ATR confirmed."<br> \* MI, FHA or MIC missing and required (Lvl 3) "Mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 63288962 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 717 | Not Applicable | 49.646% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for xxxx has been paid in the amount of $xx,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR has been an SE for x years at xx and for x.xx years at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 49.64%. Tape and review show lender included BWR SE realtor income in FL. BWR was not licensed in FL. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR has been SE for 2 years at xx and for 3.16 years at xx since inception." | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 31811339 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Mid Rise Condo (5-8 Stories) | xx | xx | Primary | Yes | Yes | No | 795 | Not Applicable | 42.231% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> There are x prior state tax liens found against the borrower in favor of the xx in the total amount of $x,xxx.xx, which was recorded on xx/xx/xxxx and xx/xx/xxxx.<br> There is a prior credit card judgment found against the borrower in favor of xx, in the amount of $x,xxx.xx, which was recorded on xx/xx/xxxx.<br> The xst and xnd installments of combined taxes for xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> The xst installment of county taxes for xxxx was paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape data, the property is owner-occupied.<br> BWR has x.xx years as a student affairs & inclusion specialist with the xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 42.23%. The tape shows student loan debt miscalculation. The revised DTI is 50.23%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR has 5.33 years as a student affairs & inclusion specialist with the xx, FICO 795, 0X30 since inception, $15K equity in the subject, and $3,854 residual income."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 46187893 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 740 | 771 | 49.868% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx.<br> No active judgments or liens were found.<br> The annual installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is not owner-occupied.<br> BWR has x years on the job as an electrical foreman with xx.<br> BWRx has x.xx years on the job as a supervisor with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan is NOO was approved at 49.86%. The tape shows asset misrepresentation as the BWR name on the bank statement was fabricated. Review shows lender miscalculation of BWR2 income. Revised DTI is 51.91%. Further details not provided. BWR defect. The subject loan was originated on xx/xx/2024 and the 3-year SOL is active. BWR has 6 years on the job as an electrical foreman with xx, BWR2 has 3.25 years on the job as a supervisor with xx, FICO 740, 0X30 since inception, residual income $6620 and $101K equity in the subject." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 43792845 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 91.429% | 91.429% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 742 | 750 | 45.144% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx.<br> No active judgments or liens have been found.<br> The xst, xnd, xrd, and xth installments of town taxes for xxxx were paid in the total amount of $xxx.xx on different dates.<br> The xst installment of town taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The xnd installment of town taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWRx has xx.xx years on the job as a manager at xx.<br> BWRx has x.xx years on the job as a waitress at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails xx points and fees test due to fees charged $9,500.00 exceed fees threshold of $9,253.95 over by +$246.05. <br> The following fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,415.00<br> Points - Loan Discount Fee paid by Borrower: $8,000.00<br> Tax Service Fee paid by Borrower: $85.00."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "The loan failed the state regulation for the first lien prohibited fees test. The following fees were included in the test:<br> Notice of Settlement paid by Borrower: $30.00<br> Tax Service Fee paid by Borrower: $85.00<br> Taxes Paid by Borrower: $416.24<br> Title CPL Fee paid by Borrower: $75.00."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (xx) QM points and fees test due to fees charged $9,500.00 exceed fees threshold of $9,253.95 over by +$246.05. <br> The following fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,415.00<br> Points - Loan Discount Fee paid by Borrower: $8,000.00<br> Tax Service Fee paid by Borrower: $85.00." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 45.14%. Tape shows undisclosed auto debt opened prior to the closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024 and the 3-year SOL is active. BWR1 has 12.58 years on the job as a manager at xx. BWR2 has 8.75 years on the job as a waitress at xx, FICO 742, 0X30 since inception and $31K equity in the subject."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 45239227 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 788 | Not Applicable | 28.579% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx.<br> There is a prior credit card judgment against the borrower in favor of xx, for the amount of $x,xxx.xx, recorded on xx/xx/xxxx. The SSN mentioned on the supporting document is inconsistent with the subject borrower.<br> The first and second installments of county taxes for xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/xxxx, and the first payment is due on xx/xx/xxxx. According to payment history tape data as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history tape data is $xxx,xxx.xx. | Collections Comments:According to the tape, the current status of the loan is performing.<br> According to payment history tape data as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history tape data is $xxx,xxx.xx.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for x.xx years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 28.57%. The tape shows the subject loan closed with less than 24 months of business history. A review of the file shows the subject loan closed as a 12-month business bank statement loan. Secretary of State records in file show business was established xx. Further details not provided. Lender defect. The subject loan originated on xx/xx/2025, and the 3-year SOL is active. BWR has been an SE for 4.66 years at xx, FICO 788, and $250K equity in the subject." | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 79017136 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | 94.395% | 94.395% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 671 | 654 | 45.792% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for xxxx were paid in the total amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB per tape is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB per tape is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWRx has x months on the job as a xx. Previously, BWRx had multiple jobs in the last two years in the same line of work. BWRx has x.xx years on the job as a manager with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows subject loan does not meet HUD's adjusted value requirement as the BWR owned the property for less than 12 months. The appraisal report shows the price of the prior sale or transfer on xx/xx/2023 was xx and the subject loan closed on xx/xx/2024 with an appraised value of xx. Zillow search shows an estimated value of $308K. Current UPB $309K. BWR has a 482 FICO. 3 years as a carpenter. 0X30 since inception."<br> \* MI, FHA or MIC missing and required (Lvl 3) "FHA mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ROR not hand dated by borrower(s) (Lvl 2) "ROR is not hand-dated by the borrower." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 93576006 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | No | Yes | Not Applicable | Second |  | ? | ? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 300 |  | xx | xx |  | FHA | Fixed |  | Cash Out | 81.400% | 81.400% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 586 | Not Applicable | 53.680% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx/xx/xxxx and recorded on xx/xx/xxxx with instrument # xx in the amount of xx with MERS as nominee for xx.<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated on xx/xx/xxxx and recorded on xx/xx/xxxx in the amount of $x,xxx.xx with xx.<br> There is an active prior UCC against the subject property in favor of xx., which was recorded on xx/xx/xxxx.<br> The annual installment of county taxes for xxxx has been exempt.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xx,xxx.xx.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.xx years on the job as an associate with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the FHA case number was canceled and the HUD will not allow reinstating the case number. Further details were not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "FHA mortgage insurance certificate is missing from the loan documents." | \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.723% exceeds APR threshold of 8.230% over by +0.493%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed QM safe harbor threshold test due to APR calculated 8.483% exceeds APR threshold of 8.230% over by +0.253%. Subject loan is escrowed."<br> \* Property is Manufactured Housing (Lvl 2) "As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "xx" state that the manufactured home with serial # xx has been affixed to the permanent foundation." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 59679621 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 788 | Not Applicable | 48.161% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual utilities/MUD taxes for xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the current condition and occupancy of the subject property.<br> BWR has x.x years on the job as a delivery driver at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows BWRs qualifying income is greater than 80% of AMI and exceeds loan program limit. Further details not provided." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 2-year."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2023 reflects the sum of Section C fees and Recording fee at $763.00. CD dated 0xx/xx/2024 reflects the sum of Section C and Recording fee at $2,863.18. This is a cumulative increase of $2,023.88 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 2-year."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2) "Homeownership counseling disclosure is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Settlement services provider list is missing from the loan documents." |  | Moderate | Pass | Pass | No Result | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 5561876 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 729 | 767 | 40.723% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The annual installment of town taxes for xxxx has been paid in the amount of $xx,xxx.xx on xx/xx/xxxx.<br> The first and second installments of town taxes and annual utilities/MUD charges for xxxx were paid in the amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. There is a large payment in the amount of $xx,xxx.xx in the month of Oct-xxxx and $xx,xxx.xx in the month of Nov-xxxx. As per the comments dated xx/xx/xxxx and xx/xx/xxxx, these are the BWR-made payments. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWRx has x.x years on the job as a CEO at xx.<br> BWRx has x.x years on the job as a quality assurance officer at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3) "Loan failed state regulations prohibited fees test due to the inclusion of the below fees charged to the borrower;<br> Broker Fee paid by Borrower: $6,159.39<br> HOA Fees paid by Borrower: $260.00<br> Property Tax Instalment paid by Borrower: $4,800.00<br> Tax and Assessment paid by Borrower: $40.00" | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 40.72%. The tape shows the BWR was SE in previous business in xx and the lender documented only 1-year US tax returns for the BWR. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 2.5 years on the job as a CEO at xx and BWR2 has 3.5 years on the job as a quality assurance officer at xx, FICO 729, 0X30 since inception, and $224K equity in the subject. Review shows ATR confirmed." |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 55563140 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 774 | Not Applicable | 41.041% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for xxxx are due in the amount of $xx,xxx.xx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.xx years on the job as an executive director with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The subject loan closed without an appraisal report. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of $705K. The current UPB is $559K."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (xx) QM points and fees test due to fees charged of $25,662.00 exceeds fees threshold of $16,511.14 over by +$9,150.86. <br> The following fees were included in the test:<br> Mortgage Broker Fee (Indirect) $15,510.00<br> Points - Loan Discount Fee paid by Borrower: $10,152.00<br>Loan fails QM lending policy points and fees test due to fees charged of $25,662.00 exceeds fees threshold of $16,511.14 over by +$9,150.86. <br> The following fees were included in the test:<br> Mortgage Broker Fee (Indirect) $15,510.00<br> Points - Loan Discount Fee paid by Borrower: $10,152.00" | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 41.04%. The tape shows income misrepresentation. Further details not provided. BWR defect. The subject originated on xx/xx/2024 and the 3-year SOL is active. BWR has 2.91 years on the job as an executive director with xx, FICO 774." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 35172666 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 61.829% | 61.829% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 788 | Not Applicable | 46.931% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for xxxx has been paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the seller's tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.xx years on the job as a xx. Additionally, BWR receives retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial xxxx_Application<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing Initial 1003_Application (Lvl 3) "Missing initial application dated xx/xx/2023 signed by the loan originator." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 46.93%. The tape and review shows the rental income from REO is not supported as the BWR listed the REO for sale after closing of the subject loan. The revised DTI is 73%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 4.75 years on the job as a xx. Additionally, BWR receives retirement income, FICO 788, 0X30 since inception, $142K equity in the subject, and $977 residual income.<br>Downgrade to LVL2 based on PH."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 45744551 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 688 | Not Applicable | 31.253% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x months on the job as a senior functional FICO analyst at xx. Previously, BWR had multiple jobs in the last two years in the same line of work. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 31.25%. Tape shows the lender miscalculated BWR's fluctuating income and did not average it over 12 months. Further details not provided. The revised DTI is 50.33%. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 6 months on the job as a senior functional FICO analyst at xx, FICO 713, 0X30 since inception, $15K equity in the subject, and $4506 residual income. Review shows ATR confirmed."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 does not reflect Points - Loan Discount Fee. CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $2,308.50. This is an increase in fee of $2,308.50 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year.<br>Loan failed lender credits that cannot decrease test. Initial LE dated xx/xx/2024 reflects lender credit at $75.00. Final CD dated xx/xx/2024 reflects lender credit at $25.00 This is decrease of $50.00 for fee which has 0% tolerance test. Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 78133777 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Massachusetts | xx | xx | xx | Maine | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 702 | Not Applicable | 46.110% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx<br> No active judgments or liens have been found.<br> The annual installments of city taxes for xxxx have been paid in the total amount of $x,xxx.xx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower has been current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower has been current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the comment dated xx/xx/xxxx, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.xx years on the job as a home health aide with xx. Additionally, BWR has x.xx years on the second job as an administrator with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 46.11%. The tape and review shows rental income miscalculated and less than 2 years working a 2nd job. Lender defect. Revised DTI 91.21%. Subject loan originated xx/xx/2024 and the 3-year SOL is active. The BWR is employed with xx for 7.9 years, FICO 702, $441 residual income, 0X30 since inception and $29K equity in the subject." | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 17473777 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 77.315% | 77.315% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 719 | 793 | 44.318% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual installment of school taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The UPB is not provided in the PH. The current UPB reflected as per the payment history tape as of xx/xx/xxxx is $xxx,xxx.xx. | Collections Comments:According to the tape, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history tape as of xx/xx/xxxx is $xxx,xxx.xx.<br> As per the seller's tape, the property occupancy is stated as an investor.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No post-close bankruptcy record has been found.<br> BWRx has been SE for xx years at Orange County xx.<br> BWRx has xx years on the job as a payroll support with Orange County xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan is NOO and was approved at 44.31%. Tape shows BWR has a tax liability. Review shows BWR has a $212K IRS tax liability from 2023. Revised DTI is 54.23%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2025, and the 3-year SOL is active. BWR1 has been SE for 15 years at Orange County xx, BWR2 has 10 years on the job as a payroll support with Orange County xx, FICO 719, $58K equity in the subject, and $14,435 residual income.<br>Downgrade to LVL2 based on PH." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 5626036 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 722 | 786 | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual school taxes for xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied. <br> BWRx has x.xx years on the job as a veterinarian at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Tape and review of the file show the subject loan was closed with a desktop appraisal report instead of a full appraisal. Further details not provided. Zillow search shows an estimated value of $759K. Current UPB is $693K." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 25.61%. The Lender included bonus income without a 2-year history of receipt. Lender defect. Revised DTI 55.13%. Subject loan originated xx/xx/2024 and the 3-year SOL is active. The BWR is employed with xx for 1.7 years. FICO 722. $5,235 residual income. 0X30 since inception. $36.5K equity in the subject."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "TRID violation due to decrease in lender credit on CD dated xx/xx/2024. Initial LE dated xx/xx/2024 reflects lender credit at $1,811.00. Final CD dated xx/xx/2024 does not reflect lender credit. This is decrease of -$1,811.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2024 and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 99146666 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 96.500% | 96.500% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 762 | Unavailable | 43.539% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx"<br> No active judgments or liens have been found.<br> The first installment of county taxes for xxxx is paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. The tape shows a deferred balance in the amount of $x,xxx.xx, and as per the comment dated xx/xx/xxxx, one payment has been deferred. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per the comment dated xx/xx/xxxx, the RFD was curtailment of income.<br> As per the comment dated xx/xx/xxxx, the BWR's income was impacted by COVID, and COVID deferment has been approved for one payment.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWRx has x.xx years on the job as a xx.<br> BWRx receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows "the file is with us due to late payments after a repurchase alternative/indemnification." As per the PH as of xx/xx/2025, the BWR is current with the loan, and the next due date is xx/xx/2025. The current UPB is $201,968.89." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 43.53%. Tape shows lender miscalculated variable income and grossed up SSI income. Revised DTI is 52%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022 and the 3-year SOL has expired. BWR1 has 2.66 years on the job as a xx. BWR2 receives social security income, FICO 762 $19K equity in the subject and $1,762 residual income."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 reflects Points - Loan Discount Fee at $1,550.00. CD dated xx/xx/2022 reflects Points - Loan Discount Fee at $2,351.00. This is an increase in fee of +$801.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2022 and the 1-year SOL has expired."<br> \* Credit score not provided (Lvl 2) "Credit score for BWR2 is not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 43.53% as the borrower's income is $4,384.67 and total expenses are in the amount of $1,909.04 and the loan was underwritten by LP (Locator #xx) and its recommendation is Accept with a DTI of 43.53%." |  | Moderate | Pass | Pass | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 80725161 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 55.147% | 55.147% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 769 | 804 | 47.225% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx.<br> No active judgments or liens have been found.<br> The first installment of combined taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The second installment of combined taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The xst and xnd installments of school taxes for xxxx/xxxx were paid in the total amount of $xx,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> The annual installment of village taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per tape data, the property is owner-occupied.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWRx has x.xx years on the job as a service with xx. Additionally, BWRx has x.xx years on the job as a room service at xx. Previously, BWRx had x year on the job as a server with Highgate Hotels LP.<br> BWRx has x.xx years on the job as a teacher with the xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 47.22%. The tape shows income miscalculation, as other income was included twice. The revised DTI is 58.64%. Further details are not provided. Lender defect. The subject loan was originated on xx/xx/2025, and the 3-year SOL is active. BWR1 has 1.91 years on the job as a service attendant with xx. Additionally, BWR1 has 1.50 years on the job as a room service attendant at xx. BWR2 has 6.41 years on the job as a teacher with the xx, FICO 769, $305K equity in the subject, and $6654 residual income." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 35796962 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | ????.?? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 33.613% | 33.613% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 623 | Not Applicable | 49.734% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx<br> There is a prior state tax lien found against the borrower in favor of the Department of xx, which was recorded on xx/xx/xxxx in the amount of $x,xxx.xx.<br> The xst installment of town tax for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The xnd installment of town tax for xxxx is delinquent in the amount of $x,xxx.xx and good through xx/xx/xxxx. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the occupancy of the subject property.<br> BWR has x.xx years on the job as a xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3) "Tape shows BWR was short reserves at closing. Review of the DU and file shows total verified assets of $475K, which is entirely a gift asset, satisfying the cash to close requirement of $460K. Gift letter is in file and receipt or acknowledgment of gift transfer is missing. Subject loan originated xx/xx/2025."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "The loan failed Revised Loan Estimate Delivery Date Test due to the revised loan estimate delivery date is on the initial closing disclosure delivery date."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "Loan failed state regulations prohibited fees test due to the inclusion of the below fees charged to the borrower;<br> HOA paid by Borrower: $2,050.00<br> Processing Fee paid by Seller: $75.00<br> Real estate commission paid by Seller: $14,875.00<br> Real estate commission paid by Seller: $11,900.00<br> Seller Attorney fee paid by Seller: $1,250.00<br> Title Copy fee APR paid by Borrower: $30.00<br> Title CPL paid by Borrower: $75.00<br> Title Review fee paid by Borrower: $195.00<br> Title Tax certificate fee paid by Borrower: $45.00<br> Title Transaction Management paid by Borrower: $45.00"<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (xx) QM points and fees test due to fees charged $6,825.00 exceeds fees threshold of $5,760.11 over by +$1,064.89. <br> The below fees were included in the test:<br> Application Fee paid by Borrower: $1,290.00<br> Commitment Fee paid by Borrower: $695.00<br> Points - Loan Discount Fee paid by Borrower: $4,840.00 <br> Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $6,825.00 exceeds fees threshold of $5,760.11 over by +$1,064.89. <br> The below fees were included in the test:<br> Application Fee paid by Borrower: $1,290.00<br> Commitment Fee paid by Borrower: $695.00<br> Points - Loan Discount Fee paid by Borrower: $4,840.00" |  |  | Moderate | Pass | Pass | Pass | Pass | Fail | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 57275590 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 749 | Not Applicable | 47.730% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first and second installments of school taxes for xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> The first installment of combined taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The second installment of combined taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $$x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the tape, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the seller's tape, the subject property is owner occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.xx years on the job as a software engineer at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock |  | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject was approved at 47.73%. Tape shows lender used provided leases on 2 BWR REO's. BWR listed the 2 properties for rent. Revised DTI 54.44%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2025, and the 3-year SOL is active. BWR has 6.25 years on the job as a software engineer at xx, FICO 749, $7312 residual income and $131K equity in the subject."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 1780886 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | South Carolina | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 96.662% | 96.662% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 621 | Not Applicable | 40.731% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx<br> There is a prior state tax lien found against the subject borrower in favor of the Department of xx, which was recorded on xx/xx/xxxx in the amount of $xxx.xx.<br> The annual county taxes for xxxx were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has xx.xx years on the job as a maintenance worker with xx. Additionally, BWR receives social security and disability income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape and appraisal report show the subject loan is not insurable as the front stoop of the subject property should not be attached to the structure. Review of appraisal shows attached, covered brick porch. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "Mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Property is Manufactured Housing (Lvl 2) "As per the appraisal report, which is located at "Lee Appr," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "xx" state that the manufactured home with serial # xx has been affixed to the permanent foundation." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 24890001 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | ????.?? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 83.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 40.454% | First | Final policy | Not Applicable | xxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx.<br> There is an active junior mortgage against the subject property in favor of xx.<br> The xst, xnd, and xrd installments of combined taxes for xxxx were paid in the total amount of $x,xxx.xx on different dates.<br> The xxxx county annual taxes have been delinquent in the amount of $x,xxx.xx, which are good through xx/xx/xxxx. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history tape is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No information has been found related to damage or repairs.<br> Unable to determine the occupancy of the subject property.<br> BWR has x.xx years on the job as a functional analyst at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Report<br> Missing Dicsloures<br> Missing DU/GUS/AUS<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counseling disclosure is missing from loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the multiple Zelle deposits when considered as additional income under xx loan program guidelines, cause the qualifying income to exceed loan program limits. Further details not provided."<br> \* Missing credit report (Lvl 3) "Credit report is missing from loan documents."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) "AUS report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by borrower is missing from loan documents."<br> \* Missing Required Disclosures (Lvl 3) "List of service providers is missing from the loan documents." |  |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 69386987 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | xx | xx | Oregon | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | FHA | Fixed |  | Cash Out | 81.400% | 81.400% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 693 | 698 | 42.384% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx.<br> There is a prior civil judgment found against the borrower in favor of the State of Oregon in the amount of $xxx.xx, which was recorded on xx/xx/xxxx.<br> The xst, xnd, and xrd installments of county taxes for xxxx have been paid in the total amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWRx receives pension and social security income.<br> BWRx receives pension and social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows the 3-day waiting period prior to consummation was not satisfied. Infinity compliance result shows the loan passed TRID timing and delivery test. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "Mortgage insurance certificate is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 4697028 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | Other |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Unavailable | Not Applicable | xx | Not Applicable | Unavailable | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | Unavailable | Unavailable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | Unavailable | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx | Not Applicable | x% | xxxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx<br> There is an active prior mortgage against the subject property in favor of xx<br> There are x state tax liens against the borrower in favor of the xx, which were recorded on different dates in the total amount of $xx,xxx.xx.<br> There is a civil judgment against the borrower in favor of xx, which was recorded on xx/xx/xxxx in the amount of $x,xxx.xx.<br> The annual town taxes for xxxx were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The annual county taxes for xxxx were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The annual school taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per the servicing comment dated xx/xx/xxxx, the reason for default is a reduction in income.<br> The loan was modified on xx/xx/xxxx.<br> As per the comment dated xx/xx/xxxx, a x-month deferment plan has been offered to the borrower from xx/xx/xxxx to xx/xx/xxxx in the amount of $xxxx.xx.<br> No foreclosure activity has been found.<br> According to the PACER, the borrower filed for bankruptcy under Chapter xx with the case #xx on xx/xx/xxxx. The bankruptcy was dismissed on xx/xx/xxxx and terminated on xx/xx/xxxx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower xx, filed for bankruptcy under Chapter xx with the case #xx on xx/xx/xxxx. As per voluntary petition schedule D (Doc# x), the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is $x,xxx.xx. The POC was filed by the creditor Planet Home Lending on xx/xx/xxxx, with the secured claim amount of $xxx,xxx.xx and the arrearage amount of $xx,xxx.xx. The amended Chapter xx (Doc #xx) plan was filed on xx/xx/xxxx and confirmed on xx/xx/xxxx. The borrower shall pay a monthly mortgage payment of $x,xxx.xx per month for xx months to the trustee under the Chapter xx plan. The plan reflects arrearage for subject loan totals of $xx,xxx.xx. The bankruptcy was dismissed on xx/xx/xxxx and terminated on xx/xx/xxxx. | The modification agreement was made between the borrowers, xx, and the lender, xx, on xx/xx/xxxx. As per the modified term, the new principal balance is xx. The monthly P&I is $x,xxx.xx with an interest rate of x.xxx% beginning on xx/xx/xxxx and a maturity date of xx/xx/xxxx. The loan has been modified three times since origination. | Credit Report<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Missing or error on the Rate Lock<br> Note<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with itemization of fees and the estimated HUD-1, is missing from the loan documents."<br> \* Note is missing or unexecuted (Lvl 3) "The original note is missing. The lost note affidavit is available in the loan file located at "xx." The loan was modified on xx/xx/2018. The tape data shows the lost note affidavit is available in the loan file, and the note copy is missing." | \* Final TIL Missing or Not Executed (Lvl 2) "The final TIL is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan documents. Zillow search shows an estimated value of $425K. Current UPB is $231K."<br> \* Missing credit report (Lvl 2) "Credit report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 25581053 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 682 | Not Applicable | 30.543% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> There is a UCC lien against the subject property in favor of xx.<br> The annual combined taxes for xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xxx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br>| Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> The foreclosure was initiated on the loan in xxxx. As per the notice of lis pendens located at xx, the foreclosure complaint was filed on xx/xx/xxxx. As per the document located at xx, the notice of lis pendens was released on xx/xx/xxxx, which was recorded on xx/xx/xxxx. Further details were not provided.<br> No post-close bankruptcy record has been found.<br> As per the comment dated xx/xx/xxxx, the litigation was resolved as the order granting motion for default judgment holding lien release null and void DOT remains in full force. Further details not provided.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the occupancy of the subject property.<br> BWR has xx years on the job as a software product manager with xx.<br> Foreclosure Comments:The foreclosure was initiated on the loan in xxxx. As per the notice of lis pendens located at xx, the foreclosure complaint was filed on xx/xx/xxxx. As per the document located at xx, the notice of lis pendens was released on xx/xx/xxxx, which was recorded on xx/xx/xxxx. Further details were not provided.<br>Bankruptcy Comments:Not Applicable | Not Applicable | Good Faith Estimate<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Lost Note Affidavit (Lvl 3) "Tape shows LNA available in loan file. The lost note affidavit document is missing from the loan file. Review shows note in file."<br> \* Release of mortgage (Lvl 3) "UT shows an alert for the subject mortgage release recorded. As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2015 in favor of xx. in the amount of xx, which was recorded on xx/xx/2015 with instrument xx. The release for the subject mortgage was recorded on xx/xx/2023 with instrument xx located at xx, stating that the subject mortgage was released. As per the document located at xx, the satisfaction for the subject mortgage is void." | \* ComplianceEase TILA Test Failed (Lvl 2) "The loan failed the TILA finance charge test. Finance charge disclosed on final CD as xx. The calculated finance charge is xx for an undisclosed amount of -$436.10."<br> \* Good Faith Estimate missing or unexecuted (Lvl 2) "Final good faith estimate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Settlement services provider list is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 1012605 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | Second | xx | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 80.000% | 80.000% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | Not Applicable | x% | xxx.x | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is an active HOA lien against the subject property in favor of xx, which was recorded on xx/xx/xxxx in the amount of $xxx.xx.<br> The annual combined taxes for xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan was modified on xx/xx/xxxx.<br> As per the deferral agreement located at xx, the deferred amount is $xxx.xx.<br> As per the servicing comment dated xx/xx/xxxx, the reason for default is unemployment.<br> As per the servicing comment dated xx/xx/xxxx, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower and the lender on xx/xx/xxxx. As per the modified term, the new principal balance is xx. The monthly P&I is $xxx.xx with an interest rate of x.xxx% beginning on xx/xx/xxxx and a maturity date of xx/xx/xxxx. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | Credit Report<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Initial xxxx_Application<br> Loan Program Info Disclosure<br> Missing or error on the Rate Lock<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1, along with estimated HUD-1 and fee itemization, is missing from the loan documents." | \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan documents."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2) "The appraisal report is missing from the loan documents. Zillow search shows an estimated value at $226K. Current UPB is $50K."<br> \* Missing credit report (Lvl 2) "Credit report is missing from the loan documents."<br> \* Missing Initial 1003_Application (Lvl 2) "Initial application signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 16690809 | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 781 | 780 | 37.039% | First | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a junior mortgage against the subject property that was originated on xx<br> The first and second installments of county taxes for xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the tape, the property occupancy is stated as second home.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWRx has xx.xx years on the job as a district manager with xx. <br> BWRx has xx.xx years on the job as a health assistant with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial xxxx_Application | xx | 3: Curable |  | \* Release of mortgage (Lvl 3) "UT shows an alert for the subject mortgage satisfaction found with subsequent recession. As per the updated title report dated xx/xx/2025, there is a release of deed of reconveyance, which was signed on xx/xx/2022 and recorded on xx/xx/2022, which shows that the subject mortgage originated on xx/xx/2019 and was recorded on xx/xx/2019 had been paid in full. As per the rescission of full reconveyance recorded on xx/xx/2022, which is located at "xx," the release of deed of reconveyance is canceled." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2019 reflect Points - Loan Discount Fee. Final CD dated xx/xx/2019 reflects Points - Loan Discount Fee at $30.24. This is an increased fee in the amount of +$30.24 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2019, and the 1-year SOL is expired.<br>TRID violation due to a decrease in lender credit on the initial CD. The initial LE dated xx/xx/2019 reflects Lender credits at $299.00. The initial CD dated xx/xx/2019 reflects Lender credits at $0.00. This is a decrease of $299.00 for a fee which has a 0% tolerance test. A valid COC for the decrease in NSLC is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/2019, and the 1-year SOL is expired."<br> \* Missing Initial 1003_Application (Lvl 2) "Initial application signed by loan originator is missing from the loan documents." |  | Moderate | Not Covered | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 93291882 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Montana | xx | xx | xx | Montana | xx | xx | Yes | No | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Unavailable | No | Other | Chapter 7 | xx | Unavailable | No | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 89.844% | 89.844% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 643 | 628 | 31.553% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xx% | xxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is an active junior mortgage against the subject property in favor of xx<br> There is a state tax lien against the borrower in favor of the xx, which was recorded on xx/xx/xxxx in the amount of $xx,xxx.xx.<br> The xst installment of combined taxes for xxxx has been paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The xnd installment of combined taxes for xxxx is due in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xx,xxx.xx.<br> The loan was modified on xx/xx/xxxx.<br> Unable to determine the reason for the default.<br> As per the comment dated xx/xx/xxxx, the subject property is owner-occupied.<br> As per the comment dated xx/xx/xxxx, the foreclosure was initiated on the loan in xxxx. As per the servicing comment dated xx/xx/xxxx, the foreclosure has been put on hold due to the original assignment. As per the servicing comment dated xx/xx/xxxx, the foreclosure file has been closed. Further details not provided.<br> The borrowers filed bankruptcy under Chapter x with the case #xx on xx/xx/xxxx. The BK was discharged on xx/xx/xxxx.<br> As per the servicing comment dated xx/xx/xxxx, the subject property has some repairs. The estimated cost of repairs is $xx,xxx.xx. Unable to determine the current status of repairs.<br> Foreclosure Comments:As per the comment dated xx/xx/xxxx, the foreclosure was initiated on the loan in xxxx. As per the servicing comment dated xx/xx/xxxx, the foreclosure has been put on hold due to the original assignment. As per the servicing comment dated xx/xx/xxxx, the foreclosure file has been closed. Further details not provided.<br> Bankruptcy Comments:According to the PACER, the borrowers, xx, filed bankruptcy under Chapter x with the case #xx on xx/xx/xxxx. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is $x.xx. There is no comment indicating a cramdown. The BK was discharged on xx/xx/xxxx. | The step modification agreement was signed between the borrowers, xx, and the lender, xx, with an effective date of xx/xx/xxxx, and the new modified unpaid principal balance is xx. The modified monthly P&I of $xxx.xx with an interest rate of x.xxx% starting on xx/xx/xxxx, which will be changed in xx steps until the new maturity date of xx/xx/xxxx. The rate will change in xx steps, which will end with x.xxx%. There is no deferred balance and principal forgiven amount. | Initial xxxx_Application<br> Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Exceptions Test Failed (Lvl 2) "This loan failed the Montana license validation test."<br> \* Missing Initial 1003_Application (Lvl 2) "Initial application signed by loan originator is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | No Result | Not Covered | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $11500.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 39758476 | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | No | Not Applicable | First |  | ? | ?????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 669 | 665 | 37.808% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for xxxx has been paid in the amount of $xx,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per the servicing comment dated xx/xx/xxxx, the subject property is owner-occupied.<br> As per the servicing comment dated xx/xx/xxxx, the borrower's income has been impacted due to the Covid-xx pandemic.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWRx has x.xx years on the job as a financial advisor with xx.<br> BWRx has xx.xx years on the job as a nurse with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "The TRID tolerance test is incomplete, as the initial CD is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2022 and the 1-year SOL has expired."<br> \* Missing Initial Closing Disclosure (Lvl 2) "The initial closing disclosure is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 42432885 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx | Kentucky | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 772 | Not Applicable | 38.683% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The xst installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The xnd installment of county taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No foreclosure activity has been found. <br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is owner-occupied.<br> BWR receives social security income and retirement income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 2: Acceptable with Warnings |  |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) "The subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. A Zillow search shows an estimated value of $253K. Current UPB $481K."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2) "Homeownership counseling disclosure is missing from loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9353482 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | Unavailable | xx | xx | No | Yes | Not Applicable | Second |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | Unavailable | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | Unavailable | Unavailable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> There is one prior mortgage against the subject property in favor of xx<br> The xst and xnd installments of town taxes for xxxx have been paid in the total amount of $x,xxx.xx.<br> The annual installment of utilities/MUD taxes for xxxx has become delinquent in the amount of $xxx.xx with a good-through date of xx/xx/xxxx. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history tape data is $xx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xx,xxx.xx.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Report<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Missing or error on the Rate Lock<br> Note<br> Origination Appraisal | xx | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4) "The original note is missing from the loan file. The lost note affidavit is not available in the loan file. The loan has not been modified." | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with itemization of fees and the estimated HUD-1, is missing from the loan documents." | \* Final TIL Missing or Not Executed (Lvl 2) "The final TIL is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2) "Appraisal is missing from the loan documents. Zillow search shows an estimated value of $370K. Current UPB: $12K."<br> \* Missing credit report (Lvl 2) "Credit report is missing."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance (Lvl 2) "The property is located in a state that has unlimited assignee liability for high cost loans and HUD-1/FCD is missing to test the compliance." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 26302703 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | Unavailable | Unavailable | Unavailable |  |  |  |  | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of updated title report dated xx/xx/xxxx shows that the subject mortgage was dated xx<br> The chain of the assignment is complete. Currently, the mortgage is with xx<br> There is a junior mortgage in the favor of xx<br> There is a junior mortgage in the favor of xx<br> There is civil judgment in the favor of xx in the amount of $xxxx.xx and was recorded on xx/xx/xxxx.<br> There is civil judgment in the favor of xx, in the amount of $xxxx.xx and was recorded on xx/xx/xxxx.<br> xxxx combined taxes for xst,xnd & xrd installments are paid in the cumulative amount of $xxxx.xx.<br> xxxx combined taxes for the xth installment is due in the amount of $xxxx.xx.<br> No prior year delinquent taxes are found. | The review of payment history shows that the borrower is delinquent for more than xxx+ days and next due is for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount $x,xxx.xx for due date xx/xx/xxxx. The UPB is reflected in the amount of $xxx,xxx.xx till due date xx/xx/xxxx. | Collections Comments:Review of the collection comment shows that the loan is in active bankruptcy and next due is for xx/xx/xxxx. The borrower had filed bankruptcy under chapter xx with the case#xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. The motion for relief from stay was filed on xx/xx/xxxx. As per order modifying chapter xx plan, the debtor shall pay to the trustee in the amount of $xxxx per month for xx months & then $xxx for the period of xx months. The date of last filing bankruptcy is xx/xx/xxxx. The review of payment history shows that the borrower is delinquent for more than xxx+ days and next due is for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount $x,xxx.xx for due date xx/xx/xxxx. The UPB is reflected in the amount of $xxx,xxx.xx till due date xx/xx/xxxx.<br> The reason for default is not found. No damages and repairs have been found. As per latest inspection report dated xx/xx/xxxx, the subject property is occupied by an unknown party and is in fair condition. <br> Comment dated xx/xx/xxxx reflects that the borrower decided to pursue a loan modification. No post close foreclosure activity found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower had filed bankruptcy under chapter xx with the case#xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. The motion for relief from stay was filed on xx/xx/xxxx. As per order modifying chapter xx plan, the debtor shall pay to the trustee in the amount of $xxxx per month for xx months & then $xxx for the period of xx months. The date of last filing bankruptcy is xx/xx/xxxx.<br> Notice of Mortgage Payment Change filed on xx/xx/xxxx. Date of payment change is xx/xx/xxxx and New total payment is$x,xxx.xx | Not Applicable | Credit Application<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD1 is missing in the loan file. However, Estimated HUD1 and Itemization are not found in the file." | \* Application Missing (Lvl 2) "Final 1003 is missing in the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing in the loan file."<br> \* Missing Appraisal (Lvl 2) "An appraisal report is missing in the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 54794084 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 31.014% | 31.014% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 810 | Not Applicable | 44.611% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The xst installment of county taxes for xxxx has been paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The xnd installment of county taxes for xxxx is due in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per tape data, the property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives social security and VA benefit income. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (xx) QM points and fees test due to fees charged $4,749.25 exceeds fees threshold of $3,730.00 over by +$1,019.25. <br> The following fees were included in the test:<br> Commitment Fee paid by Borrower: $1,352.00<br> Points - Loan Discount Fee paid by Borrower: $3,397.25<br>Loan fails QM lending policy points and fees test due to fees charged $4,749.25 exceeds fees threshold of $3,730.00 over by +$1,019.25. <br> The following fees were included in the test:<br> Commitment Fee paid by Borrower: $1,352.00<br> Points - Loan Discount Fee paid by Borrower: $3,397.25" | \* Property is Manufactured Housing (Lvl 2) "As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The affidavit of affixation attached with the recorded mortgage located at "xx" state that the manufactured home with VIN # xx has been affixed to the permanent foundation." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 29857387 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 28.699% | 28.699% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | Yes | 795 | Not Applicable | 46.075% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for xxxx-xxxx have been paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for x years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance<br> Missing Dicsloures<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock<br> Transmittal (xxxx) | xx | 3: Curable |  | \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (xx) QM points and fees test due to fees charged $10,110.00 exceed fees threshold of $7,298.89 over by +$2,811.11. The below fees were included in the test: Mortgage Broker Fee (Indirect) $5,625.00 Points - Loan Discount Fee paid by borrower: $3,320.00 Underwriting Fee paid by borrower: $1,165.00.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $10,110.00 exceed fees threshold of $7,298.89 over by +$2,811.11. The below fees were included in the test: Mortgage Broker Fee (Indirect) $5,625.00 Points - Loan Discount Fee paid by borrower: $3,320.00 Underwriting Fee paid by borrower: $1,165.00."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counseling disclosure is missing from loan documents."<br> \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3) "Initial CD is missing from the loan documents."<br> \* Missing proof of hazard insurance (Lvl 3) "Evidence of hazard insurance is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Settlement service providers list is missing from the loan documents."<br> \* Transmittal (1008) is Missing (Lvl 3) "The final transmittal summary is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 46.07%. Tape shows rental income miscalculation. Revised DTI is 51%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024 and the 3-year SOL is active. BWR has been SE for 4 years at xx, FICO 795, 0X30 since inception, $624K equity in the subject and $3,458 residual income. Review shows ATR confirmed."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "TRID tolerance test is incomplete due to initial CD is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2024 and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 85187951 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 799 | 795 | 44.796% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The xst installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The xnd installment of county taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the comment dated xx/xx/xxxx, the reason for default is excessive obligations.<br> As per the comment dated xx/xx/xxxx, the occupancy is owner-occupied.<br> BWRx has been SE in transport business for x.xx years.<br> BWRx has x.x years on the job as a pharmacy technician at xx. Previously, BWRx had x months on the job as an order management technician at Consonus Pharmacy, and prior to that, BWRx had x.xx years on the job as a pharmacy consultant at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the borrower stopped making payments after xx/xx/2024. As per tape, the prior servicer applied the payments to the suspense, which were made by the borrower. The loan transferred back to the current servicer on xx/xx/2025. The payments that were put in suspense were applied to the loan for the due dates of xx/xx/2024 to xx/xx/2025 on xx/xx/2025. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $585,612.27." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 44.79%. Tape shows SE income miscalculation as the lender qualified BWR using only 1-year tax returns instead of the 2-year tax returns. Revised DTI is 49.20%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022 and the 3-year SOL has expired. BWR1 has been SE in transport business for 4.16 years. BWR2 has 1.5 years on the job as a pharmacy technician at xx, FICO 795, $72K equity in the subject and $3,722 residual income."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2022 does not reflect Appraisal Re-Inspection Fee. CD dated xx/xx/2022 reflects Appraisal Re-Inspection Fee at $150.00. This is an increase in fee of $150.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2022, and the 1-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 52277699 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 783 | Not Applicable | 35.029% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The xst and xnd installments of county taxes for xxxx have been paid in the amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per tape data, the subject property is owner-occupied.<br> BWR has x months on the job as an executive assistant at xx. Previously, BWR had x.xx years on the job as an admin analyst at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure<br> Missing Initial LE<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) "TRID tolerance test is incomplete due to initial LE and initial CD are missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2025 and the 1-year SOL is active."<br> \* Missing Initial Closing Disclosure (Lvl 3) "Initial CD is missing from the loan documents."<br> \* Missing Initial LE (Lvl 3) "Initial LE is missing from the loan documents." | \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 26838097 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 696 | 625 | 47.425% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The annual county taxes for xxxx were paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per tape data, the subject property is owner-occupied.<br> Unable to determine the reason for default.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWRx has x.xx years on the job as a pool designer at xx. Additionally, BWRx has been SE for x.xx years at xx.<br> BWRx has x years on the job as a records xx, St. Lucie County. Additionally, BWRx has x.xx years on the second job as a tax preparer with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business before the consummation date."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (xx) QM points and fees test due to fees charged of $9,707.50 exceed fees threshold of $7,634.62 over by +$2,072.88.<br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $8,312.50<br> Processing Fee paid by Borrower: $1,395.00.<br>Loan fails QM lending policy points and fees test due to fees charged of $9,707.50 exceed fees threshold of $7,634.62 over by +$2,072.88.<br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $8,312.50<br> Processing Fee paid by Borrower: $1,395.00."<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the loan is seasoned more than 6 months and issue with boarding the loan could not be fixed with xx. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.060% exceeds APR threshold of 8.580% over by +0.480%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 7541565 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Wisconsin | xx | xx | xx | Wisconsin | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 759 | Not Applicable | 44.092% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first and second installments of combined taxes for xxxx have been paid in the total amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.xx years on the job as a director of xx. Additionally, BWR worked as a director of xx for x month, and prior to that, BWR had multiple jobs in the last two years in the same line of work.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "The subject was approved as OO. Tape shows property is NOO due to misrepresentation. BWR purchased 2 primaries, including the subject. Further details were not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 44.09%. Tape shows subject is NOO due to misrepresentation causing lender to xx BWR primary housing expense. BWR purchased 2 primaries, including the subject. BWR defect. The subject loan originated on xx/xx/2025 and the 3-year SOL is active. BWR has 1.16 years on the job as a director of xx, FICO 759 and $26K equity in the subject."<br> \* Cash out purchase (Lvl 2) "The subject loan is purchase case. Final CD dated xx/xx/2025 reflects cash to in the amount of $2,704.59." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 56723176 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 804 | 792 | 48.928% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> There are two prior active child support liens against the borrower in favor of xx in the total amount of $xx,xxx.xx recorded on xx/xx/xxxx and xx/xx/xxxx.<br> There is a prior active hospital lien against the borrower in favor of xx recorded on xx/xx/xxxx. The amount of lien is not mentioned on the supporting document.<br> There is a prior active civil judgment against the borrower in favor of xx, N.A., as successor in interest to xx, in the amount of $xx,xxx.xx, recorded on xx/xx/xxxx.<br> The annual installment of combined taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx(PITI) which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per the collection comment dated xx/xx/xxxx, the subject property is owner-occupied.<br> Unable to determine the reason for the default of the borrower.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWRx has xx years on the job as a secretary with xx.<br> BWRx has been an SE for xx.xx years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan is NOO and was approved at 48.93%. Tape shows undisclosed debt with a monthly payment of $707 was opened prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR1 has 10 years on the job as a secretary with xx, BWR2 has been SE for 11.41 years at xx, FICO 792 and $45K equity in the subject."<br> \* Cash out purchase (Lvl 2) "The subject loan is a purchase case. The final CD, dated xx/xx/2023, reflects cash to the amount of $7.11." | \* Settlement date is different from note date (Lvl 1) "The final CD reflects the closing date as xx. The notary's signature date on the mortgage/deed of trust is xx. Note the date is xx" |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 54734472 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Louisiana | xx | xx | xx | Louisiana | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 691 | Not Applicable | 36.869% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx(PITI) which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> The loan has not been modified.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller tape data, the subject property is owner-occupied.<br> BWR has x.xx years on the job as a nurse with xx. Additionally, BWR has x.xx years on the job as a nurse with xx. Previously, BWR was a student nurse with xx Student for x.xx years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock<br> Transmittal (xxxx) | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "Tape shows the renovation was not completed within the timeframe. Appraisal report is subject to the completion of renovation. The estimated amount of repairs is $51,500. The final CD reflects an escrow holdback of $58,765. Tape shows only $10,975 funds remaining in the holdback to be released for the completion of pending items. The 1004D report is missing from the loan documents. Zillow search shows an estimated value of $154K. Current UPB $146K."<br> \* Loan has escrow holdback. No proof it was released (Lvl 4) "The final CD dated xx/xx/2022, reflects an escrow holdback in the amount of $58,765.00. Proof of the release of escrow holdback is available for $28,980. Proof for the release of escrow holdback is missing for the remaining amount of $29,785 from the loan documents. Tape shows $10,975 remains in escrow for the following remaining open items gutter/exterior $1550, windows/door $1975, plumbing/electrical $1225, cabinetry $6500." | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails qualified mortgage lending policy points and fees test due to fees charged $5,630.89 exceed fees threshold of $4,394.55 over by +$1,236.34. <br> The following fees were included in the test: Loan Origination Fee paid by Borrower: $2,193.85<br> Points - Loan Discount Fee paid by Borrower: $1,937.04<br> Processing Fee paid by Borrower: $1,500.00."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (xx) QM points and fees test due to fees charged $5,630.89 exceed fees threshold of $4,394.55 over by +$1,236.34. <br> The below fees were included in the test: Loan Origination Fee paid by Borrower: $2,193.85<br> Points - Loan Discount Fee paid by Borrower: $1,937.04<br> Processing Fee paid by Borrower: $1,500.00."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Transmittal (1008) is Missing (Lvl 3) "Final transmittal summary is missing from the loan documents." | \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. Subject loan is a purchase case, originated on xx/xx/2022 and the 1-year SOL has expired."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2022 reflects points - loan discount fee at $580.00. Final CD dated xx/xx/2022 reflects points - loan discount fee at $1,937.04. <br> Loan estimate dated xx/xx/2022 reflects loan origination fee at $2,145.00. Final CD dated xx/xx/2022 reflects loan origination fee at $2,193.85. This is a cumulative increase in fee of $1,405.89 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br> Subject loan is purchase case, originated on xx/xx/2022 and the 1-year SOL is expired." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $51500.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 83210901 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 809 | Not Applicable | 49.687% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine RFD.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has x months on the job as a business development representative with xx.<br> Previously, BWR had xx.xx years on the job as an executive director of athletics with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 49.68%. Tape shows REO mortgage payment and HI payment of subject mortgage is miscalculated. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 6 months on the job as a business development representative with xx and receives a pension, FICO 809, 0X30 since inception, and $23K equity in the subject." | \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 44649245 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | Other |  | ? | ? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Co-op | xx | xx | Primary | Yes | Yes | No | 758 | Not Applicable | 42.697% | First | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The subject property is a co-op. <br> According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx (PITI) which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x months on the job as a licensed practical nurse at xx. BWR has x year on the second job as a licensed practical nurse at xx. Previously, BWR worked as a salesman at xx for x years. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 42.70%. The Lender miscalculated the BWR's variable income. Lender defect. Revised DTI 50.63%. Subject loan originated xx/xx/2024 and the 3-year SOL is active. The BWR is employed with Mt Sinai Hospital as an LPN for 10 months. FICO 758. $2,170 residual income. $35.8K equity in the subject." | \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "Tape shows the subject property is a co-op and is ineligible for sale to Freddie Mac as the flip tax charged of 5.87% exceeds the threshold of 5%. Further details not provided. Zillow search shows an estimated value of $183K. Current UPB is $142K." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 86608840 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 718 | Not Applicable | 49.616% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual first installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual second installment of county taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.x years on the job as a renewal representative with xx. Additionally, BWR has x.x years on the job as a realtor with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of xx. Comp #1 with a sales price of xx, is closest to the subject property. Zillow search shows an estimated value of $228K. Current UPB is $203K."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 reflects Appraisal fee at $635.00. CD dated xx/xx/2024 reflects Appraisal fee at $895.00. This is an increase in fee of $260.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year.<br>Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2024 reflects the sum of Section C fees and Recording fee at $244.00. CD dated xx/xx/2024 reflects the sum of Section C and Recording fee at $188.00. This is a cumulative increase of $116.95 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 35356732 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ??.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 70.000% | 70.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 646 | Not Applicable | 15.033% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of combined tax for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of xx.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> BWR has been SE for x years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape and review of the file show the APR on the revised CD on xx/xx/2025 increased by 0.144% and did not satisfy the 3 business days waiting period prior to consummation on xx/xx/2025. Further details not provided."<br> \* ComplianceEase TILA Test Failed (Lvl 3) "Loan failed TILA finance charge test. Finance charge disclosed on final CD as xx. Calculated finance charge is xx for an under disclosed amount of -$717.99. Subject loan is a refinance case, originated on 0xx/xx/2025 and the 3-year SOL is active.<br>Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final CD as xx. Calculated finance charge is xx for an under disclosed amount of -$682.99. Subject loan is a refinance case, originated on 0xx/xx/2025 and the 3-year SOL is active."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan failed GSE (xx) QM points and fees test due to fees charged $12,934.44.00 exceeds fees threshold of $7,761.58 over by +$5,172.86. <br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $7,315.00<br> Points - Loan Discount Fee paid by Borrower: $4,624.44<br> Underwriting Fee paid by Borrower: $995.00<br> This loan failed the QM APR test due to APR exceeds 10.584% the APR threshold 8.880%, over by +1.704%.<br>Loan fails Qualified mortgage lending policy points and fees test due to Fees charged $12,934.44 exceeds fees threshold of $7,761.58 over by +$5,172.86. <br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $7,315.00<br> Points - Loan Discount Fee paid by Borrower: $4,624.44<br> Underwriting Fee paid by Borrower: $995.00"<br> \* Home Equity Loan Interest and Fees Pre-closing Disclosure is missing from the loan file (Lvl 3) "Home equity loan interest and fees pre-closing disclosure is missing from the loan documents."<br> \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3) "Home equity loan notice of address for borrower notification of violation is missing from the loan documents." | \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 10.584% exceeds APR threshold of 8.130% over by +2.454%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed qualified mortgage safe harbor threshold test due to APR calculated 10.584% exceeds APR threshold of 8.130% over by +2.454%.<br>Loan failed qualified mortgage APR threshold test due to APR calculated 10.584% exceeds APR threshold of 8.880% over by +1.704%."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure signed by borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 13299397 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 743 | 680 | 48.523% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The second installment of county taxes for xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.xx years on the job as a shop manager with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 48.52%. Tape shows income used for qualifying is not supported. Review shows lender accepted handwritten paystubs and a 2024 W2 that was unable to be verified. Further details not provided. Lender defect. The subject loan originated on xx/xx/2025, and the 3-year SOL is active. BWR has 1.16 years on the job as a shop manager with xx, FICO 680, and $31K equity in the subject." | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Property is Manufactured Housing (Lvl 2) "As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "xx" state that the manufactured home with serial # xx has been affixed to the permanent foundation." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 81398347 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 59.184% | 59.184% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 37.839% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual combined taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/xxxx, and the first payment date is xx/xx/xxxx. According to the payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> The loan was originated on xx/xx/xxxx, and the first payment date is xx/xx/xxxx. According to the payment history as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current P&I is $xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWRx has xx.xx years on the job as a laborer at xx.<br> BWRx receives social security and disability income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Report<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (xx) QM points and fees test due to fees charged $4,812.00 exceed fees threshold of $4,152.74 over by +$659.26. <br> The following fees were included in the test:<br> Funding, Wire, or Disbursement Fee paid by Borrower: $180.00<br> Points - Loan Discount Fee paid by Borrower: $3,132.00<br> Processing Fee paid by Borrower: $700.00<br> Underwriting Fee paid by Borrower: $800.00.<br>The loan fails the qualified mortgage lending policy points and fees test due to fees charged $4,812.00 exceed fees threshold of $4,152.74 over by +$659.26. The below fees were included in the test: Funding, Wire, or Disbursement Fee paid by Borrower: $180.00<br> Points - Loan Discount Fee paid by Borrower: $3,132.00<br> Processing Fee paid by Borrower: $700.00<br> Underwriting Fee paid by Borrower: $800.00."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject loan approved without a FICO score for BWR and home buyer education certificate is missing. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." | \* Missing credit report (Lvl 2) "The credit report is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 25922588 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Second |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 79.932% | 79.932% | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | Yes | 759 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is an active prior mortgage against the subject property originated on xx<br> The annual combined taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per seller's tape data, the property occupancy is stated as an investment.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> Subject loan is NOO. BWR was qualified using the DSCR of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 3067936 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 740 | 756 | 30.323% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated onxx<br> No active judgments or liens have been found.<br> The annual combined taxes for xxxx have been paid in the amount of $xx,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> BWRx has xx.x years on the job as a VP of ground operations at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Dicsloures<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/2025 reflects Points - Loan Discount Fee at $26.58. Loan estimate dated xx/xx/2024 reflects Appraisal Fee at $575.00. Final CD dated xx/xx/2025 reflects Appraisal Fee at $1,105.00. This is a cumulative increase in fees of +$556.58 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2025 and the 1-year SOL is active. Loan failed charges that in total cannot increase more than 10% tolerance test. Initial LE dated xx/xx/2024 reflects the sum of Section C fees and Recording fee at $4,958.00. Final CD dated xx/xx/2025 reflects the sum of Section C and Recording fee at $5,531.82. This is a cumulative increase of +$78.02 for charges that in total cannot increase more than 10% test. Valid COC for the increase in fee is not available. Subject loan is a purchase case, originated on xx/xx/2025 and the 1-year SOL is active."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counseling disclosure is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "Subject closed as a non-escrowed loan with an LTV of 85%, exceeding the threshold of 80% for non-escrowed loans. ATR - confirmed via DU with Day 1 Certainty."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Settlement service providers list is missing from the loan documents." |  |  | Moderate | Pass | Pass | No Result | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 16507049 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 733 | 761 | 21.841% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The annual installment of town tax for xxxx has been paid in the amount of $xx,xxx.xx on xx/xx/xxxx.<br> The xst installment of town tax for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The xnd installment of town tax for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual utilities/MUD charges for xxxx are delinquent in the amount of $xxx.xx and good through xx/xx/xxxx. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per the tape data, subject property is owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx.xx years on the job as an associate director with xx.<br> BWRx has xx years on the job as an enrichment teacher with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing DU/GUS/AUS<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings. The revised loan estimate receipt date is provided, and the revised loan estimate receipt date is less than four business days. This loan failed the TRID disclosure delivery date validation test. A revised loan estimate delivery date is on the closing disclosure delivery test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "The loan fails the prohibited fees test due to fees charged of $130.00 exceeding the fees threshold of $0.00 by +$130.00. The below fees were included in the test: eClosing fee paid by Borrower: $45.00 Title—Closing Protection Letter Paid by Borrower: $75.00 Title—Flood Zone Determination Paid by Borrower: $10.00"<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows AUS findings were invalidated as the appraised value captured was incorrect, $1K lower than the actual appraised value of $718K. The AUS report is missing from the loan documents. Further details not provided."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) "The AUS/DU report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Fail | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 94677536 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | Yes | 749 | Not Applicable | 34.529% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for xxxx has been paid in the amount of $xxxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI) which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx and the interest rate is x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI) which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx and the interest rate is x.xxx%. The current UPB is $xxx,xxx.xx. <br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> Unable to determine, the reason for default.<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x months on the job as a director of engineering with xx. Previously, BWR had xx.xx years on the job as an engineer with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $535K. Comp #1 with a sales price of $515K, is closest to the subject property. Zillow search shows an estimated value of $509K. Current UPB is $416K."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 91698333 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 717 | Not Applicable | 32.168% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The annual county taxes for xxxx were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/xxxx, and the first payment date is xx/xx/xxxx. According to payment history tape data as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history tape data is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> The loan was originated on xx/xx/xxxx, and the first payment date is xx/xx/xxxx. According to payment history tape data as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> As per the tape data, the subject property is owner-occupied.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has x months on the job as a remote salesperson with xx. Previously, BWR had multiple jobs in the past two years. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "The tape shows the FNMA deemed the subject loan ineligible for purchase as the subject condo project was ineligible. A review of the condo questionnaire did not reflect any special assessment planned for repairs. Further details not provided. A Zillow search shows an estimated amount of $296K. Current UPB $225K." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 85348121 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 88.095% | 88.095% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 802 | Not Applicable | 13.155% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for xxxx was paid in the amount of $xxx.xx on xx/xx/xxxx.<br> The annual installments of combined school taxes for xxxx have been exempt.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per tape data, the property occupancy is stated as a second home.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx.xx years on the job as a senior director of engineering with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 13.15%. Tape shows VOE at closing showed BWR was inactive. Lender defect. The subject loan originated on xx/xx/2025, and the 3-year SOL is active. BWR has 15.08 years on the job as a senior director of engineering with xx, FICO 802, and $30K equity in the subject." |  |  | \* Settlement date is different from note date (Lvl 1) "Final CD reflects closing date as xx. Notary's signature date on the mortgage/deed of trust is x. Note date is xx." | Minimal | Not Covered | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 36207640 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.188% | 101.134% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 669 | Not Applicable | 56.824% | First | Short Form Policy | Not Applicable | xxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is an active junior mortgage against the subject property in favor of xx<br> There are three prior civil judgments against the borrower in favor of xx, which were recorded on xx/xx/xxxx, xx/xx/xxxx, and xx/xx/xxxx, in the total amount of $xx,xxx.xx.<br> There are xx hospital liens against the borrower in favor of xx which were recorded on xx/xx/xxxx, xx/xx/xxxx, and xx/xx/xxxx in the total amount of $xx,xxx.xx.<br> The annual installment of combined taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx (PITI), which was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> Unable to determine reason for default.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has x.xx years on the job as a server with xx. Additionally, BWR receives tip and Mortgage Credit Certificate income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 56.82%. Tape and review shows the Lender did not include a loan on the paystub in the DTI. Lender defect. Revised DTI 63.53%.The subject loan originated on xx/xx/2025, and the 3-year SOL is active. BWR has 3.25 years on the job as a server with xx. FICO 669. $2,602 residual income. $6K equity in the subject." | \* Loan does not conform to program guidelines (Lvl 3) "The seller's tape data shows monthly payments not calculated properly."<br> \* LTV / CLTV > 100% (Lvl 3) "Collateral value used for underwriting is xx. Amount of secondary lien is xx. Loan amount is xx. LTV is 98.188% and CLTV is 101.134%, The current UPB is $$343K."<br> \* MI, FHA or MIC missing and required (Lvl 3) "FHA mortgage insurance certificate is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Cash out purchase (Lvl 2) "The subject loan is purchase case. Final CD dated xx/xx/2025 reflects cash to borrower in the amount of $3,405.61." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 76689844 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | No | Not Applicable | Other |  | ? | ????.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 69.767% | 121.860% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 41.410% | First | Commitment | Not Applicable | xxxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the tape data, the subject mortgage was originated on xx. UT shows mortgage is not recorded. <br> According to the updated title report dated xx/xx/xxxx, there is an active prior mortgage against the subject property in favor of xx.<br> The xst and xnd installments of county taxes for xxxx were paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/xxxx, and the first payment date is xx/xx/xxxx. According to payment history tape data as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current P&I is $xxx.xx, and the interest rate is x.xxx%. The UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> The loan was originated on xx/xx/xxxx, and the first payment date is xx/xx/xxxx. According to payment history tape data as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> BWR has x months on the job as an associate at xx. Previously, BWR had x.xx years on the job as a team leader at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject loan approved without a FICO score for BWR and home buyer education certificate is missing. Further details not provided." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 4917545 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oregon | xx | xx | xx | Oregon | xx | xx | No | Yes | Not Applicable | First |  | Not Applicable | ????.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 93.610% | 93.610% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 695 | Not Applicable | 47.057% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/xxxx, and the first payment is due on xx/xx/xxxx. As per the tape as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing. <br> The loan was originated on xx/xx/xxxx, and the first payment is due on xx/xx/xxxx. As per the tape as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR has been self-employed as a bookshop owner for x years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 47.06%. The Lender miscalculated SE income and did not take into consideration business losses from another business owned with her spouse. Lender defect. Revised DTI is 100%. Subject loan originated xx/xx/2025 and the 3-year SOL is active. The BWR is SE xx Bookkeeping & Payroll for 3 years and Co-Owner with her spouse of xx, FICO 695, and $26.8K equity in the subject." | \* MI, FHA or MIC missing and required (Lvl 3) "FHA mortgage insurance certificate is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 91778036 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.188% | 102.037% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 668 | Not Applicable | 35.695% | First | Final policy | Not Applicable | xxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> There is a junior subordinate mortgage against the subject property that was originated xx<br> The tax status is "to follow." | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx. The current P&I is $xxx.xx and the interest rate is x.xxx%. The current UPB is $xxx,xxx.xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx. The current P&I is $xxx.xx and the interest rate is x.xxx%. The current UPB is $xxx,xxx.xx.<br> Unable to determine the RFD.<br> No foreclosure activity has been found.<br> No damage or repair information has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR has xx years on the job as a senior DSP and transportation coordinator at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance<br> Notice of Servicing Transfer | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the subject loan is not insurable, as the original appraisal was rejected by the investor and the second appraisal was documented 3 months after closing. Further details not provided. Zillow search shows an estimated value of $175K. Current UPB $117K."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 3) "The loan was originated on xx/xx/2021 with the loan amount of xx. PH shows a large transaction in the amount of $119,102.14 on xx/xx/2024 and the current UPB is $0.00. The latest payment history is missing from xx/xx/2024 to xx/xx/2025. Tape shows the current UPB as $117,719.77. As per the collection comment dated xx/xx/2024, the loan was service transferred. Further details not available." | \* Cash out purchase (Lvl 2) "The subject loan is a purchase case. The final CD, dated xx/xx/2021, reflects cash to in the amount of $39.75."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "This loan failed the Pennsylvania license validation test."<br> \* MI, FHA or MIC missing and required (Lvl 2) "Mortgage insurance certificate is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 72518594 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | ? | ??? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Unavailable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/xxxx shows the subject mortgage was originated on xx<br> The chain of assignment is completed currently the assignment with xx, as Legal Title Trustee recorded on xx/xx/xxxx.<br> There are no active judgments and liens are found.<br> xxxx annual county taxes were paid off in the amount of $xxx.xx on xx/xx/xxxx.<br> xxxx county annual taxes are dues in the amount of $xxx.xx and due for xx/xx/xxxx.<br> No prior years delinquent taxes are found. | The review of the payment history states that the borrower is delinquent for more than xxx+ days. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx. Borrower is currently making his payments according to the original Note terms. | Collections Comments:The review of servicing comments shows that the loan is currenly in an active bankruptcy and is next due for xx/xx/xxxx.<br> The review of the payment history states that the borrower is delinquent for more than xxx+ days. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx and the next due date is xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> Foreclosure was initiated in the loan by filling complaint by attorney. The foreclosure referred to attorney on xx/xx/xxxx. The referral was filed on xx/xx/xxxx. In between the the FC process was put on hold due to borrower filed bankruptcy on xx/xx/xxxx.<br> The borrower has filed bankruptcy under chapter-xx with the case #xx on dated xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. Under confirmed chapter-xx plan, the debtor was supposed to pay the trustee in the amount of $xxx weekly for xx months. The POC was filed on xx/xx/xxxx.<br> As per the servicing comments dated xx/xx/xxxx, the reason for default is that the borrower has become a widower. The loan was not modified since origination. The borrower is currently making his payments according to the original Note terms.<br> As per the property inspection report dated xx/xx/xxxx, the property is occupied by unknown party and is in fair condition. No damage and repairs are found.<br> Foreclosure Comments:Foreclosure was initiated in the loan by filling complaint by attorney. The foreclosure referred to attorney on xx/xx/xxxx. The referral was filed on xx/xx/xxxx. In between the the FC process was put on hold due to borrower filed bankruptcy on xx/xx/xxxx.<br> Bankruptcy Comments:The borrower has filed bankruptcy chapter-xx case #xx on dated xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. Under confirmed chapter-xx plan debtor was supposed to pay to the trustee the amount of $xxx weekly for xx months. The POC was filed on xx/xx/xxxx. | Not Applicable | Credit Application<br> Final Truth in Lending Discl.<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* Not all borrowers signed HUD (Lvl 3) "Final HUD-1 is not signed by the borrower." | \* Application Missing (Lvl 2) "Final application is missing from the loan files."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "ComplianceEase risk indicator is "Moderate" due to this loan failed the TILA APR test<br> This loan failed the predatory lending guidance test due to one or more of the following findings<br> This loan failed the points and fees test. (xx)<br> This loan failed the points and fees test. Freddie Mac Industry Letter xx/xx/2009)<br> This loan failed the brokerage/finder fee test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the brokerage/finder fee test. <br> The mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount. Under the Tennessee Rules and<br> Regulations, brokerage fee is synonymous with finder fee.<br> Any brokerage/finder fee of more than 2% of the principal amount of the loan will be presumed to be unfair and unreasonable and<br> shall be grounds to revoke the license or registration of such licensee or registrant, unless such licensee or registrant can provide<br> evidence showing that such fee constitutes fair and reasonable compensation"<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA APR test<br> The annual percentage rate (APR) is 7.612%. The disclosed APR of 0.000% is not considered accurate because it is more than<br> 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br> This loan failed the predatory lending guidance test due to one or more of the following findings:<br> The loan failed the allowable points and fees test.<br> The loan exceeds the HOEPA APR threshold for primary residences.<br> The loan exceeds the HOEPA points and fees threshold for primary residences.<br> This loan failed the points and fees test.<br> The points and fees charged to the borrower exceed the greater of 5% of the mortgage amount or $1,000."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan files."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan files."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan files." |  | Moderate | Pass | Fail | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 72779778 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ????.?? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | ? | No | xx | Unavailable | Unavailable | ?.?% | 360 |  | xx | xx |  | HELOC | Revolving |  | Cash Out | 90.000% | 90.000% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | Unavailable | Unavailable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> The Chain of assignment is complete. Currently mortgage assignment is form xx<br> Three Code Enforcement or Unsafe living Conditions are found in the favor of The xx code enforcement board in the amount of $xx,xxx.xx, $xx,xxx.xx, $xx,xxx.xx and recorded on xx/xx/xxxx, xx/xx/xxxx, xx/xx/xxxx respectively against the rental property address as xx. Two Code Enforcement lien status is collection found in the amount of $xxx.xx and $xx.xx respectively, with the issuing department of xx as Failure to obtain license tag for intact dog, against the borrower xx for the subject property address xx still not yet converted in lien. <br> xxxx annual utility taxes was due in the amount of $x,xxx.xx and recorded on xx/xx/xxxx however, the taxes were not paid by the borrower. In the year xxxx the total delinquent taxes are in the amount $x,xxx.xx dated xx/xx/xxxx. No prior years delinquent taxes are found.<br>| Review of the payment history shows that the borrower has been delinquent for xx months and the next due is for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied to xx/xx/xxxx. Unpaid principal balance reflected in the amount of $xxx,xxx.xx. Considered rate x.xx% as per following document "xx". | Collections Comments:Current status of the loan is bankruptcy and next due for xx/xx/xxxx.<br> The loan was not modified since the origination.<br> Foreclosure was initiated and was referred to an attorney on xx/xx/xxxx and complaint was filed on xx/xx/xxxx. Final judgment of foreclosure was recorded on xx/xx/xxxx. Foreclosure hold details not found. However, borrower had filed bankruptcy under chapter xx case #xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. As per amended chapter xx plan, the debtor shall pay to the trustee in the amount of $xxx.xx for the period of x months and $xxx.xx for the period of xx months. As per proof of claim the secured claim is in the amount xx and arrearage is $xxx,xxx.xx. Review of the payment history shows that the borrower has been delinquent for xx months. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied to xx/xx/xxxx. Unpaid principal balance reflected in the amount of $xxx,xxx.xx. Considered rate x.xx% as per following document "xx".<br> As per Latet BPO report dated xx/xx/xxxx subject property was occupied and as is price of the property is xx. The subject property is located in a FEMA designated disaster area (recent). As per latest BPO report & servicing comment, no damage pertaining to the subject property was observed.<br> Updated:<br> As per the collection comments dated on xx/xx/xxxx,taxes are delinquent in the amount $x,xxx.xx and the tax sale is schedules. <br> xxxx county taxes are delinquent in the amount of $xxxx.xx <br> xxxx county taxes are delinquent in the amount of $xxxx.xx <br> xxxx county taxes are delinquent in the amount of $xxxx.xx<br> tax lien certificate sold in June of xxxx.<br> The CC xx/xx/xxxx the tax sale Scheduled Date on xx/xx/xxxx and the Redemption Expiration: xx/xx/xxxx.<br> As per the collection comments dated on xx/xx/xxxx, FEMA documents which shows that your property is in a flood hazard area and that flood insurance is required by the Flood Disaster.<br> The subject loan was modified on xx/xx/xxxx.The new principal balance is xx. First payment will begin from xx/xx/xxxx with the interest rate of x.xx and the P&I is $x,xxx.xx. The capitalized amount is $xx,xxx.xx. New maturity date is xx/xx/xxxx. <br>Foreclosure Comments:Foreclosure was initiated and was referred to an attorney on xx/xx/xxxx and complaint was filed on xx/xx/xxxx. Final judgment of foreclosure was recorded on xx/xx/xxxx. Foreclosure hold details not found. However, borrower had filed bankruptcy under chapter xx case #xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx.<br> Bankruptcy Comments:Borrower has filed bankruptcy under chapter xx Case #xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. As per amended chapter xx plan, the debtor shall pay to the trustee in the amount of $xxx.xx for the period of x months and $xxx.xx for the period of xx months. As per proof of claim the secured claim is in the amount xx and arrearage is $xxx,xxx.xx.<br> Document of Order on Request to Dismiss Case for Non-Compliance dated xx/xx/xxxx and motion to reinstate case document dated xx/xx/xxxx states that The debtor case has been dismissed with prejudice as Trustee proves debtor did not made his payments and notice of delinquency was sent for the same. NOD crossed its deadline hence the case was dismissed but at the same time dismissal order has one clause (x) A motion to rehear, reconsider or reinstate a dismissed case must be filed in accordance with the requirements of Local rule xxxx-x. And it seems debtor has filed the motion for the same. However the case was reinstated on xx/xx/xxxx. Now the case will be treated as per confirmed plan. | Not Applicable | Final Truth in Lending Discl. | xx | 3: Curable |  | \* Lost Note Affidavit (Lvl 3) "Lost note affidavit dated xx/xx/2012 was found at location "xx" showing original note was misplaced, lost or destroyed. Copy of Note is also located at "xx"." | \* Final TIL Missing or Not Executed (Lvl 2) "Loan is HELOC no TIL will be available in file, hence exception is resolved." |  | Minimal | Not Covered | Pass | No Result | Not Covered | No Result | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 67865935 | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | ? | No | xx | Not Applicable | ???? | ??.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 94.077% | 94.077% | Reduced | No | Unavailable | Unavailable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 54.200% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | The review of the updated title report dated xx/xx/xxxx shows the subject mortgage was originated on xx<br> The chain of the assignment is complete. Latest assignment per updated title is with xx<br> No active judgments or liens found. <br> xxxxCombined xst installment taxes was paid in the amount of $xxx.xx on xx/xx/xxxx and no prior years delinquent taxes found. | Review of the payment history shows the borrower is delinquent for x month and next due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied to xx/xx/xxxx. The current UPB as per latest payment history is in the amount of $xxx,xxx.xx and the current P&I is xxx.xx with interest rate of x.xxx%. | Collections Comments:As per the review of the servicing comments, the loan is in bankruptcy and next due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied to xx/xx/xxxx. The current UPB as per latest payment history is in the amount of $xxx,xxx.xx and the current P&I is xxx.xx with interest rate of x.xxx%.<br> The reason for default is unable to determine.<br> The loan is modified on xx/xx/xxxx. As per the modified term, the new principal balance is $xxx,xxx.xx. Borrower promises to pay $xxx.xx monthly with a modified interest rate of x.xxxxx% beginning from xx/xx/xxxx with a maturity date of xx/xx/xxxx. No balloon provision and step modification were given.<br> No information pertaining to foreclosure found.<br> The borrower had filed bankruptcy under Chapter xx with Case #xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. POC was filed on xx/xx/xxxx and the POC amount is $xxx,xxx.xx and the amount of arrearage is $xx,xxx.xx. Under Chapter xx amended plan, the debtor shall pay to the trustee the sum of $x,xxx per month.<br> As per comments dated xx/xx/xxxx, the subject property is owner-occupied.<br> No BPO & Inspection reports are provided. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower had filed bankruptcy under Chapter xx with Case #xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. POC was filed on xx/xx/xxxx and the POC amount is $xxx,xxx.xx and the amount of arrearage is $xx,xxx.xx. Under Chapter xx amended plan, the debtor shall pay to the trustee the sum of $x,xxx per month. | This modification agreement was made between Lender Citi Financial and Borrower Kimberly S Degreif and Shaon Degreif on xx/xx/xxxx. As per the modified term, the new principal balance is $xxx,xxx.xx. Borrower promises to pay $xxx.xx monthly with a modified interest rate of x.xxxxx% beginning from xx/xx/xxxx with a maturity date of xx/xx/xxxx. No balloon provision and step modification were given. | Mortgage Insurance | xx | 2: Acceptable with Warnings |  |  | \* MI, FHA or MIC missing and required (Lvl 2) "PMI certificate is missing in the loan file."<br> \* ROR not hand dated by borrower(s) (Lvl 2) "ROR is not hand dated by borrowers." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 53163814 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | South Carolina | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 66.450% | 66.450% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 796 | 794 | 47.129% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual combined taxes for xxxx have been paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/xxxx with the first payment date xx/xx/xxxx. As per the seller's tape data as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current P&I is $x,xxx.xx with an interest rate of x.xxx%. The current UPB reflected as per the payment history is $xxx,xxx.xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> As per the seller's tape data as of xx/xx/xxxx, the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx.<br> As per the seller's tape data, the subject property is occupied by owner. <br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWRx and BWRx have xx.xx years on the job as international secretaries for the xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 47.13%. The Lender used BWR 2 income when the employer LOE stated she worked in office in NY and remote and the subject property is located in SC. In addition, foreign tax returns and assets statements were missing to support the asset depletion income. Revised DTI in excess of 100%. Subject loan originated xx/xx/2025 and the 3-year SOL is active. Both BWR's are employed with xx for 44 years, FICO 794, and $140K equity in the subject." | \* Loan does not conform to program guidelines (Lvl 3) "The subject loan is a purchase case. The tape shows the homebuyer education certificate is missing. Further details not provided." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 92671254 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Kentucky | xx | xx | xx | Kentucky | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.? | ?.????% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | xxxx.xx | x.xx% | xxx.xx | xx/xx/xxxx | Financial Hardship | The review of the updated title report dated xx/xx/xxxx shows that the mortgage which was dated xx/xx/xxxx is with xx. The chain of assignment is completed with xx. No active judgments and liens were found. The taxes for the year xxxx are paid and no prior delinquent taxes were found.<br>| Review of the payment history states that the borrower has been delinquent for more than x months. The last payment was received in the amount of $xxx.xx which was applied to due date xx/xx/xxxx, and the next due date is xx/xx/xxxx. Current UPB reflects in the provided payment history is in the amount of $xx,xxx.xx. | Collections Comments:The loan is delinquent for more than x months currently. No bankruptcy and foreclosure activity were found. The last payment was received in the amount of $xxx.xx which was applied to due date xx/xx/xxxx, and the next due date is xx/xx/xxxx. Current UPB reflects in the provided payment history is in the amount of $xx,xxx.xx. The borrower making payments according to modification agreement.<br> The updated title report states that there are no active judgments and liens were found, and no prior delinquent were found. The reason for default mentioned as curtailment of income.<br> The occupancy is occupied by an unknown party as per the comment dated xx/xx/xxxx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement was made between Lender Citifinancial and the borrower xx on xx/xx/xxxx. As per the modification , the new principal balance xx. The new P&I is $xxx.xx monthly with modified interest rate of x.xxx% beginning from xx/xx/xxxx with a maturity date of xx/xx/xxxx. The deferred balance is $x,xxx.xx and the interest bearing is $xx,xxx.xx. | Credit Application<br> HUD-x Closing Statement<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 along with the estimated HUD-1 and Itemization are missing from the loan files." | \* Application Missing (Lvl 2) "Application is missing from the loan files."<br> \* Missing Appraisal (Lvl 2) "Appraisal is missing from the loan files."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan files." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 51177572 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | ???.?? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ????.?? | ??.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 95.018% | 95.018% | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | Not Applicable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> The chain of assignment is incomplete. Currently, the assignment is with xx<br> There is one junior active civil judgment found opened against the borrower in favor of xx in the amount of $xxx,xxx.xx which was recorded on xx/xx/xxxx.<br> xxxx county taxes are delinquent in the amount of $xxx.xx and the due date was xx/xx/xxxx. which was recorded on xx/xx/xxxx. | The review of payment history as of xx/xx/xxxx reveals that the borrower is delinquent for x months and the next due date is for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the P&I amount of $x,xxx.xx which was applied for the due date of x/xx/xx/xxxx. The UPB is being reflected in payment history in the amount of $xxx,xxx.xx. .<br> Adjustment of terms agreement was found dated xx/xx/xxxx in the loan files which states the loan terms has been changed with the deferred balance of $xx,xxx.xx but the interest rate and P&I has not been changed. The borrower has been making payments as per note rate and terms. | Collections Comments:The loan is in active bankruptcy and next due date is for xx/xx/xxxx.<br> The review of payment history as of xx/xx/xxxx reveals that the borrower is delinquent for x months and the next due date is for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the P&I amount of $x,xxx.xx which was applied for the due date of x/xx/xx/xxxx. The UPB is being reflected in payment history in the amount of $xxx,xxx.xx. <br> Adjustment of terms agreement was found dated xx/xx/xxxx in the loan files which states the loan terms has been changed with the deferred balance of $xx,xxx.xx but the interest rate and P&I has not been changed. The borrower has been making payments as per note rate and terms.<br> As per collection comment dated xx/xx/xxxx, the reason for default is medical expenses. <br> The loan is not modified since origination.<br> No comment regarding foreclosure activity.<br> The borrower had filed the bankruptcy under chapter xx with case#xx on xx/xx/xxxx and plan was confirmed on xx/xx/xxxx. As per chapter xx plan, the debtor shall pay to the trustee the sum of $x,xxx.xx monthly for xx months in the total plan payment of $xxx,xxx.xx. The POC was filed on xx/xx/xxxx with the secured claim amount of $xxx,xxx.xx and arrearage of $xx,xxx.xx. <br> As per property inspection report dated xx/xx/xxxx, that the property is owner-occupied with good condition. No comment regarding damage and repairs has been done on subject property..<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower had filed the bankruptcy under chapter xx with case# xx on xx/xx/xxxx and plan was confirmed on xx/xx/xxxx. As per chapter xx plan, the debtor shall pay to the trustee the sum of $x,xxx.xx monthly for xx months in the total plan payment of $xxx,xxx.xx. The POC was filed on xx/xx/xxxx with the secured claim amount of $xxx,xxx.xx and arrearage of $xx,xxx.xx. <br> Schedule D in voluntary petition dated xx/xx/xxxx shows the amount of claim without deducting value of collateral is $xxx,xxx.xx; however, unsecured portion remained as $xxxx.xx. Collection comments does not shows any cram down. | Not Applicable | Credit Application | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final loan application along with transmittal summery is missing in the loan files."<br> \* ROR not hand dated by borrower(s) (Lvl 2) "ROR is signed but not hand dated by borrower." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 12326112 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | Second |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | ? | No | xx | Not Applicable | ???.?? | ??.????% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | Unavailable | Unavailable | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | Unavailable | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Review of updated title report dated xx/xx/xxxx shows the subject mortgage was originated on xx<br> Chain of the assignment has been completed. Currently, the assignment is with xx<br> There is an active Senior Mortgage on the subject property in favor of The xx in the amount of $xxxxx.xx which was recorded on xx/xx/xxxx which is originated before the subject mortgage.<br> There is one junior mortgage open against the subject property which was recorded on xx/xx/xxxx in the amount of xxxxx.xx.<br> There is one IRS lien open agaist the borrower in the amount of $xxxxx.xx.<br> One civil judgment open against the borrower in the amount of $xxxxx.xx<br> xxxx annual county taxes are due on xx/xx/xxxx in the amount of $xxx.xx. <br> No prior years delinquent taxes have been found pending. | Review of payment history as of xx/xx/xxxx shows that the borrower is delinquent for more thanxxx days and next payment due date was for xx/xx/xxxx. The last payment was received in the amount of $xxx.xx on xx/xx/xxxx which was applied for the due date of xx/xx/xxxx <br> The UPB is being reflected in payment history in the amount of $xx,xxx.xx. <br> Borrower is making payment as per 'Notice of Mortgage payment change'. | Collections Comments:The loan is in active bankruptcy and next payment due date was for xx/xx/xxxx.<br> Borrower has filed Bankruptcy under chapter-xx on xx/xx/xxxx with the case#xx. The chapter xx plan is not confirmed yet. According to amended the Chapter-xx plan, debtor shall pay $xxx.xx monthly for xx months. <br> The POC was filed on xx/xx/xxxx with the claim amount of $xx,xxx.xx with no arrearage amount.<br> Review of payment history as of xx/xx/xxxx shows that the borrower is delinquent for more thanxxx days and next payment due date was for xx/xx/xxxx. The last payment was received in the amount of $xxx.xx on xx/xx/xxxx which was applied for the due date of xx/xx/xxxx.<br> The UPB is being reflected in payment history in the amount of $xx,xxx.xx. <br> Borrower is making payment as per 'Notice of Mortgage payment change'.<br>As per comment dated xx/xx/xxxx the subject property is occupied by owner with good condition and well maintained.<br> No property inspection report available in the loan file.<br> No comment has been located regarding foreclosure activity. <br>The UPB is being reflected in payment history in the amount of $xx,xxx.xx. <br> Borrower is making payment as per 'Notice of Mortgage payment change'.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Borrower has filed Bankruptcy under chapter-xx on xx/xx/xxxx with the case#xx. The chapter xx plan is not confirmed yet. According to amended the Chapter-xx plan, debtor shall pay $xxx.xx monthly for xx months.<br> The POC was filed on xx/xx/xxxx with the claim amount of $xx,xxx.xx with no arrearage amount. | Not Applicable | Credit Report<br> Missing Required State Disclosures<br> Origination Appraisal | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "Compliance risk indicator is Elevated as the loan is failing for GSE (Fannie Mae public guidelines) Prepayment Penalty Term Test and GSE (Freddie Mac public guidelines) Prepayment Penalty Term Test.<br> This loan failed the prepayment penalty term test.<br> (Fannie Mae 2006 Selling Guide, Part IV, 201.02)The loan charges a prepayment penalty with a term exceeding 3 years.<br> This loan failed the prepayment penalty term test. <br> (Freddie Mac Industry Letter xx/xx/2009) The loan is a primary residence loan that charges a prepayment penalty with a term exceeding 3 years"<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file."<br> \* Missing credit report (Lvl 2) "Credit report is missing from the loan documents."<br> \* Missing Required State Disclosures (Lvl 2) "Following GA state disclosures are missing from the loan file.<br> 1)Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom)<br> 2)Disclosure of Additional Fees"<br> \* ROR not hand dated by borrower(s) (Lvl 2) "ROR singed but not hand dated by borrower." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 89322896 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | Second | xx | ? | ????.? | ??/??/???? | Not Applicable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | Unavailable | Unavailable | Unavailable |  |  |  |  | Not Applicable |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | Unavailable | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Review of updated title Report dated xx/xx/xxxx shows the subject mortgage was originated on xx<br> Chain of assignment is incomplete. Currently the assignment is with xx<br> There is HOA Lien /COA Lien found against the subject property in the amount of $xxxx.xx which was recorded on xx/xx/xxxx in the favor of xx<br> There is one senior child support lien judgment found against the borrower in the amount of $xxxx.xx in favor of Angel Allaire which was recorded on xx/xx/xxxx.<br> As per updated title report combined taxes for the year of xxxx, xrd and xth installment was paid in the total amount of $xxxx.xx.<br> There is combined taxes for the year of xxxx, xst installment was paid in the amount of $xxxx.xx and xnd installment is due on xx/xx/xxxx in the amount of $xxxx.xx. No delinquent taxes have been found for the prior years. | As per the review of payment history, the borrower is delinquent more than xxx days. The last payment was received on xx/xx/xxxx in the amount $x,xxx.xx which was applied to xx/xx/xxxx. The next due date is xx/xx/xxxx. As per payment history, the current UPB is being reflected $xxx,xxx.xx. | Collections Comments:The review of collection comments as of xx/xx/xxxx, the loan is in an active bankruptcy. Borrower has filed bankruptcy under Chapter xx, case #xx on xx/xx/xxxx and plan was confirmed on xx/xx/xxxx. As per chapter xx plan debtor shall pay to the trustee in the amount of $xxx.xx per months for the xx months. <br> As per servicing comment dated on xx/xx/xxxx, foreclosure document is prepared and sent to review and execution. however, due to filing of bankruptcy by borrower on xx/xx/xxxx FC process currently was put on hold. No further details are available.<br> As per the review of payment history, the borrower is delinquent more than xxx days. The last payment was received on xx/xx/xxxx in the amount $x,xxx.xx which was applied to xx/xx/xxxx. The next due date is xx/xx/xxxx. As per payment history, the current UPB is being reflected $xxx,xxx.xx.<br> As per xx/xx/xxxx the reason for default is an excessive obligation.<br> As per collection comments dated xx/xx/xxxx the borrower intent to keep the property.<br> Repayment plan agreement dated xx/xx/xxxx and located at "xx" the plan payment in the amount of $x,xxx.xx for four months starting from xx, up to xx, was given to the borrower in order to bring the loan current.<br> As per collection comments dated xx/xx/xxxx, the property is owner-occupied and property condition is unable to determine; however, the latest BPO report is not available to determine the property occupancy and condition. <br>Foreclosure Comments:As per servicing comment dated on xx/xx/xxxx, foreclosure document is prepared and sent to review and execution. however, due to filing of bankruptcy by borrower on xx/xx/xxxx FC process currently was put on hold. No further details are available.<br> Bankruptcy Comments:Borrower has filed bankruptcy under Chapter xx, case # xx on xx/xx/xxxx and plan was confirmed on xx/xx/xxxx. As per chapter xx plan debtor shall pay to the trustee in the amount of $xxx.xx per months for the xx months.  | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Credit Report<br> Final Truth in Lending Discl.<br> Good Faith Estimate<br> HUD-x Closing Statement<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 is missing from the loan file. However, neither estimated hud-1 nor itemization is available in the loan file." | \* Application Missing (Lvl 2) "Final loan application is missing from the loan files."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Good Faith Estimate missing or unexecuted (Lvl 2) "Final GFE is missing from the loan files."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial Escrow Acct Disclosure is missing from the loan file."<br> \* Initial Good Faith Estimate is Missing (Lvl 2) "Initial GFE is missing from the loan file."<br> \* Initial Truth in Lending Disclosure is Missing (Lvl 2) "Initial TIL is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file."<br> \* Missing credit report (Lvl 2) "credit report missing in loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service provider is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property has been located in NJ. The following required disclosures are missing in the available loan files.<br> 1) NJ Application Disclosure.<br> 2) Delivery Fee Authorization.<br> 3) Lock-In Agreement.<br> 4) Commitment Disclosures."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of Servicing Transfer is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Form is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 45083530 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | Yes | Yes | Not Applicable | First |  | ????.?? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ????.?? | ?.???% | 480 |  | xx | xx |  | Conventional | ARM |  | Refinance | Unavailable | Unavailable | Unavailable |  |  |  |  | Not Applicable |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | Unavailable | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx | xxxxxx.xx | x% | xxxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx show the subject mortgage was originated on xx<br> The chain of assignment is incomplete. Currently the assignment is with xx<br> One senior tax lien (real estate) on the subject property in the amount of $xxx.xx held by the xx of taxes.<br> One civil judgment against the borrower in the amount of $x,xxx.xx held by xx.<br> Updated title report dated xx/xx/xxxx shows xxxx combined annual taxes has been delinquent in amount of $xxxx.xx and due date or paid to date is not available in the title report. Pro-title has been confirmed also searcher note states that xxxx combined taxes has been delinquent. | As of payment history xx/xx/xxxx shows that the borrower is delinquent for xx months and next payment due date was for xx/xx/xxxx. The last payment was received on xxx/xx/xxxx in the amount of $xxxx.xxwhich is applied for the due date of xx/xx/xxxx. The UPB is being reflected in payment history in the amount of $xxx,xxx.xx.<br> The borrower is making payments as per the modification with the interest rate of x.xx% with the monthly P&I payment $xxxx.xx. | Collections Comments:The loan is in active bankruptcy and next payment due date was for xx/xx/xxxx. <br> As of payment history xx/xx/xxxx shows that the borrower is delinquent for xx months and next payment due date was for xx/xx/xxxx. The last payment was received on xxx/xx/xxxx in the amount of $xxxx.xxwhich is applied for the due date of xx/xx/xxxx. The UPB is being reflected in payment history in the amount of $xxx,xxx.xx.<br> The borrower filed bankruptcy under chapter-xx case #xx on xx/xx/xxxx and plan is not confirmed yet. As per pre-confirmation chapter xx plan filed on xx/xx/xxxx the debtor shall pay to the trustee the amount of $xxx.xx for xx months.<br> POC filed on xx/xx/xxxx with the claim amount of xx and arrearage is $xx,xxx.xx.<br> RFD is loss of a job. <br> As per the latest inspection report dated xx/xx/xxxx the subject property is owner occupied and is in average condition, no comments regarding the repair or damages located to the subject property.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower filed bankruptcy under chapter-xx case #xx on xx/xx/xxxx and plan is not confirmed yet. As per pre-confirmation chapter xx plan filed on xx/xx/xxxx the debtor shall pay to the trustee the amount of $xxx.xx for xx months.<br> POC filed on xx/xx/xxxx with the claim amount of $xxx,xxx.xx and arrearage is $xx,xxx.xx. | The modification agreement was made between the Lender xx and the borrower xx on xx/xx/xxxx with the new modified principal balance of xx with the step rate starting at x.xxx%.Borrower promises to pay monthly P&I $xxxx.xx binning from xx/xx/xxxx with a maturity date of xx/xx/xxxx. | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Loan Program Info Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 along with estimated HUD-1 and itemization is missing from the loan file." | \* Application Missing (Lvl 2) "Final 1003 along with underwriting transmittal is missing from the loan file ."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing in the loan file ."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan Program Disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report at origination is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "Following state (MA) disclosures are missing from the loan file:-<br> 1)Lead-Based Paint Disclosure<br> 2)Mortgage Loan Application Disclosure<br> 3)Carbon Monoxide Alarms<br> 4)MA Smoke Detector Certificate<br> 5)Notice of the Specific Reason for Denial of Credit<br> 6)Demonstration and Documentation of Compliance with Borrower's Interest Requirement"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing Transfer Disclosure is missing in the loan file ."<br> \* Operative index value is unable to confirm (Lvl 2) "Operative index value is unable to confirm from the lender provided document."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business form is missing from the loan file ."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing in the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 95340432 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | ? | No | xx | Not Applicable | ???.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | Unavailable | Unavailable | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | Unavailable | Primary | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated on xx/xx/xxxx shows that the subject mortgage was originated on xx<br> There is a gap/break in the chain of assignments; the assignment of mortgage is required from xx<br>The chain of assignment is not completed as the subject mortgage is currently assigned to "xx" instead of "xx."<br>x. There is an active mortgage found in the updated title report in the amount of $xx,xxx.xx in favor of "xx" which was recorded on xx/xx/xxxx.<br>x. There is a "Certificate of Judgment" found in the updated title report against Rebecca Longstreath in the amount of $xxx.xx in favor of "xx" which was recorded on xx/xx/xxxx.<br>xxxx/xxxx year xst installment of combined taxes of $x,xxx.xx were paid on xx/xx/xxxx and xnd installment of $x,xxx.xx are due on xx/xx/xxxx.<br>The recorded copy of mortgage is not attached with legal description of the subject property in the updated title report dated xx/xx/xxxx.<br>| Review of updated payment history as of xx/xx/xxxx, the subject loan is currently delinquent for +xxx days and the next due date of payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx for the due date of xx/xx/xxxx. The UPB as of the date is mentioned in the updated payment history is in the amount of $xx,xxx.xx. Borrower is currently making payments according to the terms of HAMP dated xx/xx/xxxx. | Collections Comments:The subject loan is currently in active bankruptcy. Review of updated payment history as of xx/xx/xxxx, the subject loan is currently delinquent for +xxx days and the next due date of payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx for the due date of xx/xx/xxxx. The UPB as of the date is mentioned in the updated payment history is in the amount of $xx,xxx.xx. Borrower is currently making payments according to the terms of HAMP dated xx/xx/xxxx.<br> The borrower,xx had filed bankruptcy under chapter-xx on xx/xx/xxxx with the case#xx & the plan was confirmed on xx/xx/xxxx. According to the Chapter-xx plan, debtor shall pay $xxx.xx monthly for xx months. The amended POC was filed on xx/xx/xxxx with the secured claim amount of $xx,xxx.xx with an arrearage of $xx,xxx.xx.<br> The latest property inspection report dated xx/xx/xxxx is available in the loan file (xx) states that the subject property is occupied by owner and it's in average condition and no damages are reported.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower, xx had filed bankruptcy under chapter-xx on xx/xx/xxxx with the case#xx-xxxxx & the plan was confirmed on xx/xx/xxxx. According to the Chapter-xx plan, debtor shall pay $xxx.xx monthly for xx months. The amended POC was filed on xx/xx/xxxx with the secured claim amount of xx with an arrearage of $xx,xxx.xx. | HAMP was made on xx/xx/xxxx with the unpaid principal balance of $xxx,xxx.xx out of which $xx,xxx.xx has been deferred and rest of $xx,xxx.xx has been treated as interest bearing amount which will be paid though initial step monthly P&I of $xxx.xx with the initial step rate of interest of x.xxx% beginning from xx/xx/xxxx to the new maturity date of xx/xx/xxxx. | Credit Application<br> Credit Report<br> Missing Required State Disclosures<br> Origination Appraisal | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final 1003 is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report at the time of origination of the loan is missing from the loan file."<br> \* Missing credit report (Lvl 2) "credit report missing in loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service providers disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The following state (OH) disclosures are missing from the loan file:<br>1. Equal Credit Availability Notice<br> 2. Insurance Tying Disclosure<br> 3. Non-Deposit Insurance Disclosure" |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 54689217 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | FHA | ARM |  | Refinance | 96.425% | 96.425% | Unavailable | No | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x.xx% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx shows the subject mortgage was xx<br> Chain of the assignment is incomplete. Currently, the chain of assignment is with xx<br> An active judgment or liens found pending.<br> x) There are two senior child support judgment against the borrower xx first in the favor of xx for the amount of $xxx.xx and second in the favor of xx<br> xxxx-xxxx annual school taxes have been paid off in the amount $xxxx.xx.<br> xxxx Borough & County total annual taxes are due in the amount of $xxx.xx.<br> No prior years delinquent taxes have been found pending. | Review of payment history as of xx/xx/xxxx shows that the borrower is delinquent for xx months and next due payment was for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for the due date of xx/xx/xxxx. The UPB is being reflected in payment history in the amount of $xx,xxx.xx.<br> The borrower is making payments as per modification interest rate and terms.<br>| Collections Comments:The loan is in active bankruptcy and next payment due date was for xx/xx/xxxx.<br> Review of payment history as of xx/xx/xxxx shows that the borrower is delinquent for xx months and next due payment was for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for the due date of xx/xx/xxxx. The UPB is being reflected in payment history in the amount of $xx,xxx.xx.<br> The borrower is making payments as per modification interest rate and terms.<br> The reason for default as per servicing comment is excessive obligations<br> The foreclosure was initiated and the foreclosure complaint was filed on xx/xx/xxxx. No judgment was entered and no sale was scheduled. no further information found regarding foreclosure. <br> The foreclosure was put on hold due to the borrower had filed bankruptcy under chapter xx with the case #xx and the plan was confirmed on xx/xx/xxxx. <br> The borrower had filed bankruptcy under chapter xx with the case #xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. The debtor shall pay the trustee total amount of $xx,xxx.xx by paying $xxx.xx per month for the period of xx months. The proof of claim was filed on xx/xx/xxxx with the claim amount of xx and the amount of arrearage is $xx,xxx.xx.<br> The Notice of mortgage payment change was filed on xx/xx/xxxx and the date of payment change is xx/xx/xxxx with new total payment of $xxx.xx.<br> As per the chapter xx plan (Case #xx) filed on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. The Voluntary Petition document shows that the debtor intended to surrender the subject property. The scheduled value of the property at the time of filing was xx. The latest BPO report is not available in the loan file. Hence unable to determine occupancy status.<br> However, as per the latest Updated title report and tax certificate records the borrower, xx is still the owner of the property.<br> Property inspection report is not available in the loan files.<br> As per collection comments the subject property is occupied by owner with average condition.<br> No comment located in comment history regarding damage and repairs were done to the subject property.<br> Foreclosure Comments:The foreclosure was initiated and the foreclosure complaint was filed on xx/xx/xxxx. No judgment was entered and no sale was scheduled. no further information found regarding foreclosure. <br> The foreclosure was put on hold due to the borrower had filed bankruptcy under chapter xx with the case #xx and the plan was confirmed on xx/xx/xxxx. <br> Bankruptcy Comments:The borrower had filed bankruptcy under chapter xx with the case #xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. The debtor shall pay the trustee total amount of $xx,xxx.xx by paying $xxx.xx per month for the period of xx months. The proof of claim was filed on xx/xx/xxxx with the claim amount of $xxx,xxx.xx and the amount of arrearage is $xx,xxx.xx.<br> The Notice of mortgage payment change was filed on xx/xx/xxxx and the date of payment change is xx/xx/xxxx with new total payment of $xxx.xx.<br> As per the chapter xx plan (Case #xx) filed on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. The Voluntary Petition document shows that the debtor intended to surrender the subject property. The scheduled value of the property at the time of filing was $xxx,xxx.xx. The latest BPO report is not available in the loan file. Hence unable to determine occupancy status.<br> However, as per the latest Updated title report and tax certificate records the borrower, xx is still the owner of the property. | The loan modification agreement was made on xx/xx/xxxx between xx (Borrower) and xx (Lender) with the new principal balance of $xxx,xxx.xx with new interest rate of x.xxx%. The borrower promises to make a monthly P&I payment of $xxx.xx beginning from xx/xx/xxxx to till maturity date of xx/xx/xxxx. <br> The deferred principal balance amount is $xx,xxx.xx and interest-bearing amount is $xx,xxx. | Affiliated Business Disclosure<br> Credit Application<br> Credit Report<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure<br> Missing Dicsloures<br> Mortgage Insurance<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 3: Curable |  | \* MI, FHA or MIC missing and required (Lvl 3) "MI Cert is missing in the loan file." | \* Application Missing (Lvl 2) "Final application is missing in the loan file."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "This compliance risk indicator is Significant as loan is failing for the ARM rate adjustment cap test.<br>The loan failed the ARM rate adjustment cap test due to one or more of the following findings:<br> The loan is a one or three-year adjustable rate mortgage and the initial or subsequent adjustment caps exceed 1%; or<br> The loan is a five, seven, or ten-year adjustable rate mortgage and the initial or subsequent adjustment caps exceed 2%;<br> or<br> The initial adjustment period exceeds 126 months. The FHA does not offer a hybrid ARM loan program with an initial<br> adjustment period that exceeds 126 months."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure is missing in the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan Program disclosure is missing in the loan file."<br> \* Missing Appraisal (Lvl 2) "An appraisal report is missing in the loan file."<br> \* Missing credit report (Lvl 2) "credit report missing in loan file."<br> \* Missing Required Disclosures (Lvl 2) "The list of service providers disclosure is missing in the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing in the loan file."<br> \* Operative index value is unable to confirm (Lvl 2) "Operative index value source could not be found in the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing in the loan file." |  | Elevated | Pass | Pass | No Result | Not Covered | Not Covered | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 4069043 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | No | xx | Unavailable | Unavailable | ?.???% | 360 |  | xx | xx |  | HELOC | Revolving |  | Refinance | 80.000% | 80.000% | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No |  | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx<br> Currently, the assignment is from xx its appointment attorney in fact to xx recorded on xx/xx/xxxx. There are Multiple judgment in the favor of multiple plaintiff total in the amount of $xx,xxx.xx. There is one state tax lien in the favor of xx in the amount of $xxx.xx which was recorded on xx/xx/xxxx. The xst installment borough taxes for the year xxxx is paid in the amount of $xxxx.xx, xnd installment is paid in the amount of $xxxx.xx. xrd installment taxes for the year xxxx is paid in the amount of $xxxx.xx and xth installment is due in the amount of $xxxx.xx which will due for xx/xx/xxxx. No prior years of delinquent taxes are found. | As per the review of the payment history, the borrower is delinquent for xx months and the next due date for payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx . The current UPB reflected is in the amount of $xxx,xxx.xx. The P&I is $xxxx.xx. The values are updated as per tape data. Borrower is making payment as per Payment change notice which is located at "xx". | Collections Comments:Current status of the loan is bankruptcy and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx. The current UPB reflected is in the amount of $xxx,xxx.xx. The borrower is making payment as per Payment change notice which is located at "xx".<br> The reason for default is unavailable.<br> The foreclosure was initiated and referred to an attorney. The complaint was filed on xx/xx/xxxx. However, the foreclosure was put on hold the borrower had filed bankruptcy on xx/xx/xxxx under chapter xx with the Case #xx.<br> The loan was not modified since origination.<br> As per BPO report dated xx/xx/xxxx, the subject property is owner-occupied and Average in condition (xx)<br> No comments were indicating damage and repairs pertaining to the subject property.<br>Foreclosure Comments:The foreclosure was initiated and referred to an attorney. The complaint was filed on xx/xx/xxxx. However, the Foreclosure was put on hold the borrower had filed bankruptcy on xx/xx/xxxx. <br> Bankruptcy Comments:The borrower had filed the bankruptcy under chapter xx with the Case # xx on xx/xx/xxxx. As per amended chapter xx plan, the debtor will pay to the trustee in the amount of $xxxx.xx monthly for the period of x month and $xxxx.xx monthly for the period of $xx months. The POC was filed on xx/xx/xxxx, the secured claim amount is $xx. The motion for relief from stay was not filed. | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final 1003 is missing in the loan file."<br> \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) "NY AB 11856 High Cost Home Loan Points and Fees Threshold Test: FAIL Charged $26,564.00 Allowed $26,326.55 Over By +$237.45 however the SOL is till 6 years from Origination and that the Note Date is xx/xx/2008.<br>This loan failed the points and fees threshold test due to one of the following findings: (NY AB 11856 §1, 6-L (1)(g)(ii))<br> The total points and fees (as defined in NY AB 11856) exceed five percent of the total loan amount (as defined in NY AB 11856) if the total loan amount is fifty thousand dollars or more.<br>Fees Included -<br> Loan Origination Fee $23,180.00<br> Application Fee $695.00<br> Processing Fee $799.00<br> Application Fee $795.00<br> Attorney's Fee (Other) $1,095.00<br>Affirmative Claims can be made within 6 years of Origination and that the Note Date is xx/xx/2008. SOL for affirmative claims has been expired. The borrower may bring defensive claims at any time."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file, loan is HELOC."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing in the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The required Disclosure is missing in the loan file.<br> NY Consumer Credit Disclosure / Fair Credit Reporting Notice<br> NY Interest Rate Disclosure<br> NY Hazard Insurance Disclosure<br> Mortgage Bankers and Exempt Organizations Preapplication<br> Part 80 Disclosure<br> Alternative Mortgage Transaction Disclosures<br> Default Warning Notice<br> New York Real Property Escrow Account Disclosure<br> Subprime Home Loan Counseling Disclosure<br> Subprime Home Loan Tax and Insurance Payment Disclosure<br> Subprime Home Loan Disclosure<br> Commitment Disclosure<br> Lock-in Disclosure<br> Expiration of Lock-in or Commitment Period"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of Servicing transfer is missing in the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Disclosure is missing in the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing in the loan file." |  | Significant | Not Covered | Pass | No Result | Fail | No Result | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 92922593 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | ? | No | xx | ???? | ???? | ?.?% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 80.000% | 100.000% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | No | No | Unavailable | Not Applicable | 22.267% | First | Final policy | Not Applicable | xxxxxx | xx/xx/xxxx | xxxxxx.xx | xxxxxx.xx | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx shows the subject mortgage was originated on xx<br> The chain of assignment is complete. The latest assignment of mortgage is with xx<br> Active Judgments and Liens have been found pending are as follows: <br> x) There is a IRS federal tax lien against xx in the amount of $x,xxx.xx and it was recorded on xx/xx/xxxx. <br> Annual taxes are in the amount of $x,xxx.xx. <br> xxxx-xxxx xst half county taxes are paid in the amount of $x,xxx.xx.<br> xxxx-xxxx xnd half county taxes are due till xx/xx/xxxx in the amount of $x,xxx.xx.<br> No prior delinquent taxes have been found pending. | Provided payment history as of xx/xx/xxxx, reveals that the loan is in delinquency for x months. The next due date for the payment is xx/xx/xxxx. The borrower is not making regular payments as per loan modification. The last payment of xx/xx/xxxx was received on xx/xx/xxxx in the amount of $x,xxx.xx. According to the payment history the current unpaid principal balance is being reflected in the amount of $xxx,xxx.xx.  | Collections Comments:Loan is in active bankruptcy. Provided servicing comments dated from xx/xx/xxxx to xx/xx/xxxx reveals that the loan is in delinquency for x months. The next due date for the payment is xx/xx/xxxx. The borrower is not making regular payments as per loan modification. The last payment of xx/xx/xxxx was received on xx/xx/xxxx in the amount of $x,xxx.xx. According to the payment history the current unpaid principal balance is being reflected in the amount of $xxx,xxx.xx. <br> The servicing comments and latest BPO report dated xx/xx/xxxx state that the subject property is owner occupied with no visible damages or repairs. It is in good condition. <br> The reason for default of borrower is unemployment or decreased income. The borrower is not making regular payments as per loan modification. The loan was modified once since origination. The loan was last made effective on xx/xx/xxxx. The borrower promise to pay the unpaid principal balance of $xxx,xxx.xx with interest rate of x.xxx% with P&I of $xxx.xx with step amortized type and it was beginning from first payment date on xx/xx/xxxx and ends with the maturity date of xx/xx/xxxx. The rate changes in x steps ending at x.xxx%. <br> No information pretending of foreclosure was found in the servicing comments. <br> The borrower has filed bankruptcy under chapter xx plan with case # xx and it was recorded on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower has filed bankruptcy under chapter xx plan with case # xx and it was recorded on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. <br> According to the amended chapter xx plan the debtor shall pay to the trustee the sum of amount of $xxx.xx per month for xx months. The total base plan amount is $xx,xxx.xx. The estimated amount of arrearage to be paid for the collateral is $xx,xxx.xx. <br> Schedule D of voluntary petition dated xx/xx/xx shows amount of secured claim without deducting the value of collateral is xx and value of collateral is $xxx,xxx.xx however the unsecured portion is $xx,xxx.xx. There is no information pretending of cram down in the bankruptcy document. | Loan Modification agreement was made between borrower xx on effective date of xx/xx/xxxx.<br> The borrower promise to pay the unpaid principal balance of $xxx,xxx.xx with interest rate of x.xxx% with P&I of $xxx.xx with step amortized type and it was beginning from first payment date on xx/xx/xxxx and ends with the maturity date of xx/xx/xxxx. The rate changes in x steps ending at x.xxx%. | Affiliated Business Disclosure<br> Credit Report<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure is missing from the loan file."<br> \* Missing credit report (Lvl 2) "credit report missing in loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service providers document is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in the state of california. The following state disclosures are required and are missing from the loan file. <br> Impound Account Disclosure <br> Private Mortgage Insurance Disclosure <br> Hazard Insurance Disclosure<br> CA Fair Lending Notice<br> Anti Tying Disclosure<br> Privacy Notice <br> Notice of Right to Copy of Appraisal<br> Fair Debt Collection Notice<br> Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing from the loan file."<br> \* Settlement date is different from note date (Lvl 2) "According to final Hud-1, settlement date is xx/xx/2005 which is different from note date that is xx/xx/2005." |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 44093405 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | ? | No | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 80.000% | 80.000% | Full Documentation | No |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 678 | Not Applicable | 40.752% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx<br> The chain of assignment has been completed. The last assignment is from xx<br>There is an active UCC lien against the subject property in the favor of xx. The amount of UCC lien is not provided.<br> There is one child support lien against the xx. However, SSN # doesn't matches with the borrower's SSN#.<br> First and second installments of xxxx county taxes have been paid in the total amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx respectively.<br> First installment of xxxx county taxes has been paid in the amount of $x,xxx.xx on xx/xx/xxxx and the second installment is due for the amount of $x,xxx.xx on xx/xx/xxxx. No prior year delinquent taxes have been found. | According to the latest payment history as of xx/xx/xxxx, the borrower is currently delinquent for x months and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied to xx/xx/xxxx. The UPB reflected in the latest payment history is in the amount of $xxx,xxx.xx.<br> The borrower has been making payment as per modification agreement dated xx/xx/xxxx with a modified interest rate of x.xx% and the P&I of $xxx.xx. | Collections Comments:The loan is currently in the bankruptcy and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied to xx/xx/xxxx. The UPB reflected in the latest payment history is in the amount of $xxx,xxx.xx.<br> The borrower has been making payment as per modification agreement dated xx/xx/xxxx with a modified interest rate of x.xx% and the P&I of $xxx.xx.<br> The loan has been modified once since the origination. The reason for default is not available in the collection comment. <br> As per comment dated xx/xx/xxxx, the modification next PI and interest rate was effective on xx/xx/xxxx which is odd. This needs to be correct. This should be effective from xx/xx/xxxx. As per document located at "xx", the PI and payment effective date has been corrected.<br> No correction agreement was found in the loan file.<br> According to a review of the loan file, the foreclosure was referred to an attorney on xx/xx/xxxx. No further activity of foreclosure was found in the loan file. Thereafter, the file was again referred to an attorney on xx/xx/xxxx and Notice of Default was filed xx. As per notice of trustee's sale, the sale was scheduled on xx/xx/xxxx at x.xxam near the front steps leading up to the City of xx.<br> The foreclosure was put on hold because of the borrower had filed bankruptcy under chapter xx with the case #xx onxx/x/xxxx and the plan was confirmed on xx/xx/xxxx.<br> The POC was filed on xx/xx/xxxx for the secured claim amount of xx and the amount of arrearage is $xx,xxx.xx. Notice of motion and motion for relief from stay from the automatic stay for the personal property was filed on xx/xx/xxxx. According to first amended chapter xx plan which was filed on xx/xx/xxxx, the debtor shall pay to the trustee the sum of $xxx.xx per month for xx months. the base plan amount is $xx,xxx.xx. The plan was confirmed on xx/xx/xxxx. Trustee's motion to dismiss the case was filed on xx/xx/xxxx.The debtor needs to submit copies of the most recent year's state and federal tax returns to the Trustee. <br> Notice of mortgage payment change was filed on xx/xx/xxxx. The new mortgage payment was in the amount of $x,xxx.xx which was due from xx/xx/xxxx.<br> According to voluntary petition schedule A, the value of the collateral is xx.<br> The only direct contact with borrower was during an inbound call on xx/x/xx in which borrower inquired about next due date and confirmed the subject was occupied. <br> According to inspection report dated xx/xx/xxxx, the subject property is owner-occupied and is in average condition. As-Is list price is quoted as xx. No damage has been reported to the subject property.<br>Foreclosure Comments:According to a review of the loan file, the foreclosure was referred to an attorney on xx/xx/xxxx. No further activity of foreclosure was found in the loan file. Thereafter, the file was again referred to an attorney on xx/xx/xxxx and Notice of Default was filed x/xx/xx. As per notice of trustee's sale, the sale was scheduled on xx/xx/xxxx at x.xxam near the front steps leading up to the City of Chino center.<br> The foreclosure was put on hold because of the borrower had filed bankruptcy under chapter xx with the case #xx onxx/x/xxxx and the plan was confirmed on xx/xx/xxxx.<br>Bankruptcy Comments:The borrower had filed bankruptcy under chapter xx with the case #xx onxx/x/xxxx and the plan was confirmed on xx/xx/xxxx. The POC was filed on xx/xx/xxxx for the secured claim amount of $xxx,xxx.xx and the amount of arrearage is $xx,xxx.xx. Notice of motion and motion for relief from stay from the automatic stay for the personal property was filed on xx/xx/xxxx. According to first amended chapter xx plan which was filed on xx/xx/xxxx, the debtor shall pay to the trustee the sum of $xxx.xx per month for xx months. the base plan amount is $xx,xxx.xx. The plan was confirmed on xx/xx/xxxx. Trustee's motion to dismiss the case was filed on xx/xx/xxxx.The debtor needs to submit copies of the most recent year's state and federal tax returns to the Trustee. <br> Notice of mortgage payment change was filed on xx/xx/xxxx. The new mortgage payment was in the amount of $x,xxx.xx which was due from xx/xx/xxxx.<br> According to voluntary petition schedule A, the value of the collateral is $xxx,xxx.xx. | This modification agreement was made on xx/xx/xxxx between the borrower, xx and the lender, xx.<br> As per modified term, the new principal balance is xx. The borrower promises to pay the P&I of $xxx.xx with the step interest rate of x.xx% beginning from xx/xx/xxxx. The maturity date is xx/xx/xxxx. The loan was modified in four steps.<br> The modification agreement doesn't contain balloon provision. | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Notice of Servicing Transfer<br> Right of Rescission | xx | 3: Curable |  | \* Not all borrowers signed HUD (Lvl 3) "Final HUD-1 is not signed by the borrower." | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial Escrow Account Disclosure is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer document is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Form is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan file."<br> \* Settlement date is different from note date (Lvl 2) "The subject mortgage was originated on xx/xx/2008. However, according to final HUD-1, the settlement date is xx/xx/2008 which is eight days after the note date." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 26215056 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Loss Mitigation | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | No | Unavailable | Unavailable | Unavailable |  |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | 31.476% | First | Commitment | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | According to the review of updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> The chain of assignment has been completed. The last assignment is from xx, it's Successors and Assigns which was recorded on xx/xx/xxxx. However, there is a break in assignment from xx to xx<br> There are four active civil judgments against the borrower. The first judgment is in the favor of xx for the amount of $xxxx.xx, which was recorded on xx/xx/xxxx. The second judgment is in the favor of xxl for the amount of $xxx.xx, which was recorded on xx/xx/xxxx. The third judgment is in the favor of xx for the amount of $xxxx.xx, which was recorded on xx/xx/xxxx. The fourth judgment is in the favor of xx, which was recorded on xx/xx/xxxx.<br> The county second installment taxes for the year are due in the amount of $xxxx.xx.<br> No prior years delinquent taxes have been found. <br>| According to the review of payment history as of xx/xx/xxxx, the borrower is delinquent with the loan for more than xxx days and the next due date for the payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx, which was applied to xx/xx/xxxx. The current UPB is reflected in the amount of $xxx,xxx.xx. | Collections Comments:The loan is in active collection and the next due date for the payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx, which was applied to xx/xx/xxxx. The current UPB is reflected in the amount of $xxx,xxx.xx.<br> The loan has been modified once since origination on xx/xx/xxxx between the borrowers xx with the Lender xx. The new principal balance per modification is in the amount of $xxx,xxx.xx and the borrower has to pay $xxxx.xx at the interest rate x.xxx%, beginning from xx/xx/xxxx to the stated maturity date of xx/xx/xxxx. As per the Step Rate Loan Modification Addendum to Loan Modification Agreement, the interest rate will change to x.xxx% on xx/xx/xxxx. <br> The foreclosure was initiated and the case was referred to an attorney on xx/xx/xxxx. The foreclosure complaint was filed on xx/xx/xxxx. Final judgment was applied on xx/xx/xxxx. The order to vacate the judgment was filed on xx/xx/xxxx. Later on the foreclosure was put on hold because the borrower had filed bankruptcy under chapter xx with case#xx on xx/xx/xxxx. The case was dismissed for failure to file information on xx/xx/xxxx and the case was terminated on xx/xx/xxxx. Currently the foreclosure is on hold for loss mitigation. <br> According to BPO report located at "xx" dated xx/xx/xxxx, all the exterior side, front porch need to be paint and repour the front entry concrete steps. The total cost of estimated repairs is in the amount of $xxxx.xx. No details were found regarding the insurance claim and repairs.<br> Foreclosure Comments:The foreclosure was initiated and the case was referred to an attorney on xx/xx/xxxx. The foreclosure complaint was filed on xx/xx/xxxx. Final judgment was applied on xx/xx/xxxx. The order to vacate the judgment was filed on xx/xx/xxxx. Later on the foreclosure was put on hold because the borrower had filed bankruptcy under chapter xx with case#xx on xx/xx/xxxx. The case was dismissed for failure to file information on xx/xx/xxxx and the case was terminated on xx/xx/xxxx. Currently the foreclosure is on hold for loss mitigation. <br> Bankruptcy Comments:As per PACER report the borrower had filed bankruptcy under chapter xx with case#xx on xx/xx/xxxx. The case was dismissed for failure to file information on xx/xx/xxxx and the case was terminated on xx/xx/xxxx. | This loan modification agreement was made on xx/xx/xxxx between the borrowers xx with the Lender xx.<br> The new principal balance per modification is in the amount of xx and the borrower has to pay $xxxx.xx at the interest rate x.xxx%, beginning from xx/xx/xxxx to the stated maturity date of xx/xx/xxxx. As per the Step Rate Loan Modification Addendum to Loan Modification Agreement located at xx, the interest rate will change to x.xxx% on xx/xx/xxxx.  | Affiliated Business Disclosure<br> Credit Report<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Mortgage Insurance<br> Notice of Servicing Transfer | xx | 3: Curable |  | \* MI, FHA or MIC missing and required (Lvl 3) "This is a conventional loan. LTV at the origination was 95.000%. The tape data is reflected MI required. Final 1003 reflect monthly MI in the amount of $140.72; however, MI certificate is missing in the loan files." | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial account disclosure is missing from the loan file."<br> \* Missing credit report (Lvl 2) "Credit report is missing from loan documents."<br> \* Missing Required Disclosures (Lvl 2) "The list of service provider document is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "NEW JERSEY<br>The subject property is located in NJ state. The following required disclosures are missing in the loan file:<br> 1) NJ Application Disclosure <br> 2) Delivery Fee Authorization <br> 3) NJ Attorney Disclosure <br> 4) Unacceptability of Insurance Notice <br> 5) NJ Attorney Disclosure II <br> 6) Tax Bill Information <br> 7) Private Well Testing <br> 8) Lock-In Agreement <br> 9) Commitment Disclosures <br> 10) Choice of Insurer Disclosure <br> 11) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.<br> 12)Initial escrow account disclosure"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "The Notice of Servicing Transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Required affiliated business disclosure is missing from loan file" |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:<br> Date:<br> Type:Full appraisal | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 31547465 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 70.000% | 70.000% | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx/xx/xxxx with xx<br> The chain of the assignment is complete. Currently, the mortgage is with xx<br> There is a civil judgment in the amount of $xxxx.xx which was recorded on xx/xx/xxxx in the favor of xx<br> There is a state tax lien in the favor State of Maryland in the amount $xxx.xx which was recorded on xx/xx/xxxx.<br> xxxxcounty taxes are paid in the amount $xxxx.xx, xxxx county taxes are paid in the amount of $xxxx.xx, xxxx county taxes are paid in the amount $xxxx.xx and xxxx utilities taxes are due in the amount $xx.xx. No prior year delinquent taxes are found. | As per the review of the payment history, the borrower has been delinquent for x months and next payment is due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount $x,xxx.xx which was applied for xx/xx/xxxx. The UPB is reflected in the amount $xx,xxx.xx. The current P&I is $xxx.xx and PITI is $x,xxx.xx. | Collections Comments:The loan is currently in collectionand next payment is due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount $x,xxx.xx which was applied for xx/xx/xxxx. No records for bankruptcy and foreclosure was found. The rfd is loss of income. The borrower was offered a trial payment plan with mod effective xx/xx/xxxx. However, it was rejected.<br> The loan has never been modified since origination the borrower is making his payments as per the mod terms. As per the inspection report dated xx/xx/xxxx, the property is Owner occupied with no repairs and damages found. The as-is listed price is xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Credit Report<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "HUD-1 along with estimated hud and itemization is missing from the loan file." | \* Application Missing (Lvl 2) "Final application si missing from the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing in missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "An appraisal report is missing from the loan file."<br> \* Missing credit report (Lvl 2) "Credit report is missing from loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of service transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 8331179 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oregon | xx | xx | xx | Oregon | xx | xx | Yes | Yes | Not Applicable | Second |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | ? | No | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 67.568% | 67.568% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No |  | Not Applicable | 13.890% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x.xx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | As per the review of updated title dated xx/xx/xxxx, the subject mortgage was originated on xx<br> The chain of assignment is complete. Currently, the mortgage is with xx.<br> There is a senior mortgage which was recorded on xx/xx/xxxx in the amount xx.<br> There is a prior mortgage with book#xx which was recorded on xx/xx/xxxx in the amount xx was satisfied.<br> There is a junior mortgage in the amount xx.<br> xxxx-xxxx county taxes are paid in the amount of $xxxx.xx. No prior year delinquent taxes are found.<br>| As per the review of payment history, the borrower has been delinquent for x months and the next payment is due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for xx/xx/xxxx. The UPB is reflected in the amount $xxx,xxx.xx. The current P&I is $xxx.xx and PITI is $x,xxx.xx. | Collections Comments:The loan is currently in active bankruptcy and next payment is due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for xx/xx/xxxx. As per the review of PACER report, the borrower had filed bankruptcy under chapter xx with case#xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. No evidence for post-closing foreclosure was found. The rfd is unable to determine. The loan has been modified once since origination and the borrower is making his payments as per mod terms. As per inspection report dated xx/xx/xxxx, the property is owner-occupied with no repairs and damages noted. The as-is-listed price is xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:<br> As per the review of PACER report, the borrower had filed bankruptcy under chapter xx with case#xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. The POC was filed on xx/xx/xxxx with its secured amount as $xxx,xxx.xx and the arrearage amount is $xxxx.xx. As per the chapter xx plan, the debtor shall pay the trustee $xxx for xx months and $xxxx thereafter. The plan is for xx months. | This step modification agreement was signed between the borrower xx and the lender xx on xx/xx/xxxx. The UPB is $xxx,xxx.xx The borrower promises to pay $x,xxx.xx with a modified interest rate of x.xxx %, beginning from xx/xx/xxxx and the maturity is xx/xx/xxxx. There is a deferred balance of amount $xx,xxx.xx and the interest-bearing amount is $xxx,xxx.xx. | Missing Required State Disclosures<br> Right of Rescission | xx | 3: Curable |  | \* Not all borrowers signed HUD (Lvl 3) "The HUD-1 is available in the loan file; however, it is not signed by the borrower." | \* Missing Required State Disclosures (Lvl 2) "The following disclosures are missing from the loan file, Oregon Forced Placed Insurance Notice, Escrow Notice for Loans Sold to Out-of- State Purchases within one year, Anti-Coercion Notice, Insurance Premium Notice, Insurance Sales Notice and Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:<br> Date:<br> Type:BPO | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 89764214 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | ? | No | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 76.864% | 76.864% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 624 | Not Applicable | 46.524% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | Not Applicable | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx states that the subject mortgage was originated xx<br> The chain of the assignment has been completed currently. The mortgage is with xx. <br> No active judgments and liens are found pending.<br> The tax certificate for current year tax status was missing in the updated title report.<br> The xxxx year combined annual taxes does not shows any information pertaining tax status.<br> No delinquent taxes have been located for the prior year. | Review of the payment history provided from xx/xx/xxxx to xx/xx/xxxx reveals that borrower has been the delinquent for more than xxx days. The last payment was received in the amount of $xxx.xx on xx/xx/xxxx which was applied for the due date of xx/xx/xxxx. The next due date is xx/xx/xxxx. Current UPB as of date reflects in the provided payment history is in the amount of $xx,xxx.xx and current interest rate as per payment history is x.xxx %. Borrower is currently making the payment according to the original note terms.<br> The borrower is currently xx month behind his scheduled payments.<br>| Collections Comments:Review as per servicing comments dated from xx/xx/xxxx to xx/xx/xxxx state that the borrower has been delinquent for xx months currently and the payment is due from xx/xx/xxxx as the borrower is not paying the P&I regularly. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx. The payment history states that the current UPB is $xx,xxx.xx. Borrower wants to keep the property.Therefore, he is looking for an affordable plan like modification or forbearance to keep the property as well to make the loan current.<br> The reason for default is:<br> The Borrower is unemployed.<br> There is no source of income.<br> As per the review of servicing comments the loan is currently in active bankruptcy. The loan is due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of PITI $xxx.xx, which was applied for the due date xx/xx/xxxx. <br> As per the latest BPO report, dated xx/xx/xxxx the property is occupied by the Owner. No visible signs of exterior damage at the time of inspection and subject property is in average condition.<br> The Trial Modification Agreement was located at "xx" in the given loan files.<br> Borrower had filed bankruptcy under Chapter-xx Case#xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. Amended chapter xx plan debtor (borrower) will pay to the xx Trustee the sum of $xxx.xx for xx months. Voluntary petition was filed on xx/xx/xxxx. <br> The POC was filed on xx/xx/xxxx with secured claim amount of $xxxxx.xx and arrearage amount is $xxxx.xx <br> Latest status of FC was on hold due to active bankruptcy. <br> There is no evidence found which state that the foreclosure was initiated or not.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Borrower had filed bankruptcy under Chapter-xx Case#xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. Amended chapter xx plan debtor (borrower) will pay to the U.S. Trustee the sum of $xxx.xx for xx months. Voluntary petition was filed on xx/xx/xxxx. <br> The POC was filed on xx/xx/xxxx with secured claim amount of $xxxxx.xx and arrearage amount is $xxxx.xx <br> Latest status of FC was on hold due to active bankruptcy. <br>| Loan modification agreement was made between the borrower and lender on xx/xx/xxxx. The new modified rate is x.xxx % and borrower promises to pay P&I in the amount of $xxx.xx beginning from xx/xx/xxxx. The new principal balance is $xx,xxx.xx. The maturity date is xx/xx/xxxx. Rate will be changed in x steps.<br> Reason for Modification is Financial Hardship. | Affiliated Business Disclosure | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "Compliance Ease Risk Indicator is moderate as the loan is failing for PA interest rate test : FAIL 7.125% Allowed 6.750% Over By +0.375%.<br>The loan has an interest rate that does not conform to the requirements for the lenders license type in the state where the<br> property is located."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "Compliance Ease Risk Indicator is moderate as the loan is failing for PA interest rate test : FAIL 7.125% Allowed 6.750% Over By +0.375%.<br> This loan failed the interest rate test.<br> The loan has an interest rate that does not conform to the requirements for the lenders license type in the state where the<br> property is located"<br> \* Missing Required Disclosures (Lvl 2) "The list of service providers disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "The Required Affiliated Business disclosure is missing in the given loan files." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 36019736 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Court Delay | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 80.000% | 80.000% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 51.168% | First | Unavailable | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx | x% | xxxx.xx | xx/xx/xxxx | Financial Hardship | Updated title report as of xx/xx/xxxx shows subject mortgage was originated xx<br> Chain of assignment is complete as current assignee is xx.<br> No active judgments or liens are found.<br> No title issues found. AOM have been recorded and are complete. Foreclosure Judgment has been recorded on xx/xx/xxxx.<br> No prior year delinquent taxes are found.<br> Annual estimated tax is $x,xxx.xx. | Payment history as of xx/xx/xxxx shows borrower is delinquent for more than xxx days. Last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx for due date xx/xx/xxxx. Next due date is xx/xx/xxxx. UPB reflected in pay history is xxx,xxx.xx. Borrower made last payments as per Modification made on xx/xx/xxxx. | Collections Comments:Review of payment history loan file shows borrower is delinquent for more than xxx days. Last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx for due date xx/xx/xxxx. Next due date is xx/xx/xxxx. UPB reflected in pay history is xxx,xxx.xx. Borrower made last payments as per Modification made on xx/xx/xxxx.<br> Foreclosure has been filed and judgment entered on xx/xx/xxxx. The parties have attended mediation, but failed to reach an agreement. The judge has allowed the lender to proceed to foreclosure, but no sale date has been set. The last status was providing a status report to the court on xx/xx/xxxx.<br> No evidence of post closing Bankruptcy is found.<br> No evidence of damage or repair found in collection comment. Also latest exterior BPO report dated xx/xx/xxxx does not show damage evidence.<br> Borrower was approved for a modification with x trial payments. There were x payments made, but the agreement was not returned executed. The modification was denied and closed. Denial letter was mailed on xx/xx/xxxx.<br> Foreclosure Comments:Foreclosure has been filed and judgment entered on xx/xx/xxxx. The parties have attended mediation, but failed to reach an agreement. The judge has allowed the lender to proceed to foreclosure, but no sale date has been set. The last status was providing a status report to the court on xx/xx/xxxx.<br> Bankruptcy Comments:Not Applicable | Loan was modified under HAMP with a Step Rate amortization effective from xx/xx/xxxx. The initial rate was x.xx% for x years and stepped up x.xx% per year to the final fixed rate of x.xx% for the remainder of the loan. The maturity date was extended as well as the term to xx years and mature xx/xx/xxxx. No principal forgiveness, but there was principal deferment of $xx,xxx. | Affiliated Business Disclosure<br> Credit Report<br> Final Truth in Lending Discl.<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Right of Rescission | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed the TILA APR test."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA APR test.<br> Loan data 0.00%, Comparison data 7.154% hence variance is -7.154%<br> Final TIL is missing from the loan file. APR is considered 0.00% to test the CE report."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow disclosure is missing from the loan file."<br> \* Missing credit report (Lvl 2) "Credit report is missing from loan documents."<br> \* Missing Required State Disclosures (Lvl 2) "Below state disclosures are missing from the loan file.<br> 1. Affidavit of Consideration<br> 2. No escrow Account."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliate business disclosure is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is not missing from the loan file." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 69123464 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ???.?? | ?% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 58.621% | 58.621% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | 554 | Not Applicable | 26.785% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | Not Applicable | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | The review of updated title report dated xx/xx/xxxx shows the subject mortgage was originated xx<br> The chain of assignment has completed, As currently the assignment is with xx.<br> There are two civil judgments against the borrower, first one is in the amount of $xxxx.xx which was recorded on xx/xx/xxxx with xx and second one is in the amount of $xxx.xx which was recorded onx/xx/xxxx with xx.<br> xxxx city taxes (xst installment) were paid off in the amount of $xxx.xx on xx/xx/xxxx.<br> xxxx city taxes (xnd installment) were paid off in the amount of $xx.xx on xx/xx/xxxx.<br> xxxx utilities taxes (xst) installment are due on xx/xx/xxxx in the amount of $xxx.xx.<br> No prior years delinquent taxes have been found pending. | Review of the pay history as of xx/xx/xxxx reflects the borrower is delinquent for x months and next due payment was for xx/xx/xxxx. The last payment of $xxx.xx was received on xx/xx/xxxx which was applied for the due date of xx/xx/xxxx. The unpaid principal balance is being reflected in payment history in the amount of $xx,xxx.xx.<br> The borrower has been making payments as per modification interest rate and terms. | Collections Comments:According to the latest xx months of servicing comments, the subject loan is currently in Bankruptcy. The reason for default cited was borrower illness and unable to work from xx/xx/xxxx to xx/xx/xxxx. <br> Review of the pay history as of xx/xx/xxxx reflects the borrower is delinquent for x months and next due payment was for xx/xx/xxxx. The last payment of $xxx.xx was received on xx/xx/xxxx which was applied for the due date of xx/xx/xxxx. The unpaid principal balance is being reflected in payment history in the amount of $xx,xxx.xx.<br> There is evidence of a prior foreclosure. the sale scheduled for xx/xxxxxx was canceled due to bankruptcy. The instruction to close and bill was given on xx/xx/xxxx. The borrower filed chapter xx casexx on xx/xx/xxxx. The loan was approved for Alt Mod, on xx/xx/xxxx the trial was completed. Commentary dated xx/xx/xxxx reflects the borrower confirmed receipt of the final documents. On xx/xx/xxxx the borrowers bankruptcy attorney stated were delayed due to requiring approval from the courts. On xx/xx/xxxx the executed documents were received and on xx/xx/xxxx the process was finalized <br> The modified loan became delinquent again. On xx/xx/xxxx the first modified payment was missed. Last contact with the borrower was made on xx/xx/xxxx, the borrower confirmed intent to keep the property. <br> There is no evidence of property damage; the most recent property inspection was made on xx/xx/xxxx.<br> Available latest BPO report dated xx/xx/xxxx also shows the subject property is occupied by owner with average condition.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower had filed chapter xx case# xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. The voluntary petition was filed on xx/xx/xxxx. The POC was filed on xx/xx/xxxx with claim amount of $xx,xxx.xx and arrearage of $x,xxx.xx. <br> The objection to confirmation chapter xx plan was filed on xx/xx/xxxx due to Creditor, objects to debtors proposal to treat the mortgage as a total debt when the debt is a continuing claim that does not mature until xx.<br> That Debtors Chapter xx Plan appears under funded and infeasible, to pay the monthly mortgage payment and cure the pre-petition arrearage within a reasonable length of time.<br> The order approving modification of confirmation plan was filed on xx/xx/xxxx. According to chapter xx plan the debtor shall pay to the trustee the sum of $xxx.xx per month for xx.<br> The notice of mortgage payment change has been filed on xx/xx/xxxx. | The loan modification agreement was made between xx (borrower) and xx (lender) on xx/xx/xxxx with the new modified principal balance of $xx,xxx.xx with fixed interest rate of x.xxx%. The borrower promised to pay monthly P&I payment in the amount of $xxx.xx beginning from xx till the maturity date of xx/xx/xxxx. | Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "Compliance risk indicator is Moderate due to loan is failing for TILa foreclosure rescission finance charge test. <br> Loan date is $24,898.29 comparison date is $24,961.93 and variance is -$63.64."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))<br> The finance charge is $24,961.93. The disclosed finance charge of $24,898.29 is not considered accurate for purposes of rescission because it is understated by more than $35.."<br> \* Missing Required State Disclosures (Lvl 2) "Following (MI) state disclosures are missing from the loan file.<br> MI Borrower's Bill of Rights<br> Choice of Insurance Agent" |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 49271970 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Louisiana | xx | xx | xx | Louisiana | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 74.000% | 74.000% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 581 | Not Applicable | 38.163% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated xx<br> The chain of assignment is not completed as there is no single assignment is available in the updated title report; however, the recent assigned should be with "xx"<br> No active judgments or liens found.<br> xxxx year annual combined taxes of $xxx.xx were paid off on xx/xx/xxxx. | The review of updated payment history as of xx/xx/xxxx, the subject loan is currently delinquent for +xxx days and the next due date of payment is xx/xx/xxxx. The last payment (P&I) was received on xx/xx/xxxx in the amount of $xxx.xx for the due date of xx/xx/xxxx. The UPB as of the date is mentioned in the updated payment history is in the amount of $xxx,xxx.xx. Borrower is currently making payments according to the terms of loan modification agreement which was made on xx/xx/xxxx. | Collections Comments:The subject loan is currently in loss mitigation and borrower has completed trial period plan by paying all x TPP. xst paid xx/xx/xxxx credited for xx/xx/xxxx; xnd paid xx/xx/xxxx credited for xx/xx/xxxx; xrd paid xx/xx/xxxx credited for xx/xx/xxxx. Modification of the loan is currently in pipeline.<br> The review of updated payment history as of xx/xx/xxxx, the subject loan is currently delinquent for +xxx days and the next due date of payment is xx/xx/xxxx. The last payment (P&I) was received on xx/xx/xxxx in the amount of $xxx.xx for the due date of xx/xx/xxxx. The UPB as of the date is mentioned in the updated payment history is in the amount of $xxx,xxx.xx. Borrower is currently making payments according to the terms of loan modification agreement which was made on xx/xx/xxxx.<br> Reason for default is illness of primary mortgagor and reduction in income.<br> There is no information found in the PACER regarding filing of Bankruptcy.<br> As per latest BPO (xx) dated xx/xx/xxxx, the subject property is occupied by owner and it appears to be well maintained with no observed deferred maintenance.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Loan modification agreement was made on xx/xx/xxxx with the new modified principal balance of $xxx,xxx.xx and borrower promises to pay this balance through new fixed interest rate of x.xxx% with monthly payments (P&I) of $xxx.xx which begins from xx/xx/xxxx to the new maturity date of xx/xx/xxxx.<br> The loan was modified earlier also on xx/xx/xxxx. | Final Truth in Lending Discl.<br> Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "ComplianceEase risk indicator is "Moderate" due to TILA APR Test fail and GSE (Fannie Mae and Freddie Mac public guidelines) Points and Fees Test fail."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "1. This loan failed the TILA APR test due to APR we considered as 0.000% as final TIL is missing from the loan file.<br> 2. This loan failed the predatory lending guidance test due to the loan failed the allowable points and fees test.<br> 3. This loan failed the points and fees test as the points and fees charged to the borrower exceed the greater of 5% of the mortgage amount or $1,000.<br> GSE (Fannie Mae public guidelines) Points and Fees Test: FAIL Loan data: $6,486.50 Comparison date: $4,865.50 Variance: +$1,621.00"<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service providers disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The following state (LA) disclosures are missing from the loan file:<br>1. Authorization Fees, Charges and Expenses for Federally Related Mortgage Loans<br> 2. Anti-Tying Disclosure<br> 3. Financial Institution Choice of Insurance Disclosure" |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 31297207 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 80.000% | 80.000% | Full Documentation | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | 580 | Not Applicable | 20.807% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | As per the review of updated title report dated xx/xx/xxxx, shows the subject mortgage was originated on cc<br> Chain of assignment is complete as current assignee is xx.<br> Annual estimated tax is x,xxx.xx. No prior year delinquent taxes are found.<br> There is a junior mortgae in the amount of $x,xxx.xx recorded on xx/xx/xxxx with CitiFinancial Services, Inc.<br> No active judgments or liens are found. | Payment history as of xx/xx/xxxx shows borrower is delinquent for more than xxx days. The UPB stated in the payment history is $xxx,xxx.xx. The Current P&I is $xxx.xx, with the interest rate of x.xxx%. Last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx for due date xx/xx/xxxx. Borrower made last payment as per trial MOD located at "xx". As per the BPO report dated xx/xx/xxxx the As Is value of the property is $xxx,xxx.xx for estimated sale price and $xxx,xxx for recommended list price. | Collections Comments:Review of loan file confirms borrower is delinquent for more than xxx days. The UPB stated in the payment history is $xxx,xxx.xx. The deferred balance is $xx,xxx.xx. Current P&I is $xxx.xx, with the interest rate of x.xxx%. Last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx for due date xx/xx/xxxx.<br> As per review of the servicing comments, the foreclosure was initiated with care # xx in xxxx with payment $xxxx.xx and the file was referred to an attorney on xx/xx/xxxx. No detailed information on foreclosure is found in collection comment.<br> No evidence of post closing BK is found.<br> Comment dated xx/xx/xxxx states borrower wants to keep the property.<br> As per the BPO report dated xx/xx/xxxx the As Is value of the property is xx for estimated sale price and xx for recommended list price. BPO report states Subject property is well maintained home in the area of similar homes.<br> Foreclosure Comments:As per review of the servicing comments, the foreclosure was initiated with care # xx in xxxx with payment $xxxx.xx and the file was referred to an attorney on xx/xx/xxxx. No detailed information on foreclosure is found in collection comment.<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the Lender xx and the borrower xx on xx/xx/xxxx. As per the modified term ,the new principal balance is xx, including deferred balance of $xxxxx.xx.The borrower promises to pay $xxx.xx monthly with the modified interest rate x.xxx% beginning from xx/xx/xxxx with a maturity date of xx/xx/xxxx | Missing Required State Disclosures | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "The disclosed annual percentage rate (APR) of 7.974% is considered accurate because it is not more than 1/8 of 1 percentage point above or below the APR of 5.559% as determined in accordance with the actuarial method; or The disclosed APR results from the disclosed finance charge, and the disclosed finance charge is considered accurate. The points and fees charged to the borrower do not exceed the greater of 5% of the mortgage amount or $1,000." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "CE fail for State Regulations Restricted Fees.<br> Prohibited Fees Test-<br> Loan data $1275.00, comparison data $0.00 hence variance $1275.00"<br> \* Missing Required State Disclosures (Lvl 2) "Below state disclosures are missing from the loan file.<br> 1. Unacceptability of Insurance Notice." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 14025972 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ?????.? | ??/??/???? | Unavailable | Not Applicable | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 92.075% | 92.075% | Full Documentation | No | Unavailable | Unavailable | Unavailable |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No |  | Not Applicable | 85.958% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.x | xxxxxx.xx | x.xxx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title Report dated xx/xx/xxxx shows the subject mortgage was originated xx<br> The chain of assignment is complete as the subject mortgage is currently with xx.<br> As per updated title report dated xx/xx/xxxx , there is Certificate of Tax Sale issued against property for the delinquent taxes of xxxx (xx) in the amount of $xxxx.xx in favor of xx which was recorded on xx/xx/xxxx. however, ProTitle is confirmed in there report that the certificate was redeemed on xx/xx/xxxx.<br> There are combined taxes for the year of xxxx, xrd & xth installment was paid in the total amount of $xxxx.xx and combined taxes for the year of xxxx, xst installment is paid in the amount of $xxxx.xx. <br> There is combined taxes for the year of xxxx, xnd installment is due on xx/xx/xxxx in the amount of $xxxx.xx. No delinquent taxes have been found for the prior years. | As per the review of payment history as of xx/xx/xxxx, the borrower is delinquent more than xxx days. The last payment was received on xx/xx/xxxx in the amount $x,xxx.xx which was applied to xx/xx/xxxx. The next due date is xx/xx/xxxx. As per payment history, the current UPB is being reflected the amount of $xxx,xxx.xx. | Collections Comments:Available servicing comment and documents in file reveal that foreclosure was initialed in loan by filing referral xx/xx/xxxx by attorney. As per servicing comment dated on xx/xx/xxxx FC process currently was put on hold due to loss mitigation and the loan was modified on xx/xx/xxxx. No further details are available.<br> As per the review of payment history, the borrower is delinquent more than xxx days. The last payment was received on xx/xx/xxxx in the amount $x,xxx.xx which was applied to xx/xx/xxxx. The next due date is xx/xx/xxxx. As per payment history, the current UPB is being reflected the amount of $xxx,xxx.xx.<br> As per PACER, bankruptcy was not initiated on the loan. <br> The reason for default is excessive obligation.<br> As per latest BPO dated on xx/xx/xxxx, subject property is owner occupied. No information has been found regarding any damage or repair.<br> Foreclosure Comments:Available servicing comment and documents in file reveal that foreclosure was initialed in loan by filing referral xx/xx/xxxx by attorney. As per servicing comment dated on xx/xx/xxxx FC process currently was put on hold due to loss mitigation and the loan was modified on xx/xx/xxxx. No further details are available.<br> Bankruptcy Comments:Not Applicable | This loan modification was done on xx/xx/xxxx between the xx (Borrower) & xx (Lender). The amortization type is fixed and new unpaid Principal balance is xx and lender defer in the amount of $xxx,xxx.xx. As per modification agreement interest bearing amount is $xxx,xxx.xx and modification original rate is x.xxx % and Monthly P&I is $x,xxx.xx. The modification payment start date is xx/xx/xxxx and new maturity date is xx/xx/xxxx.<br>| Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Mortgage Insurance | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "The CE risk indicator is Elevated as the loan is failing Qualified Mortgage DTI Threshold Finding. The borrower has total monthly income of $10,000.00 and total expenses are in the amount of $8,595.77 hence DTI becomes 85.95% which exceeds 43% threshold. However Underwriting transmittal is available in loan files which states the subject loan is originated as HARP, so it can qualifies as temporary safe harbor."<br> \* DTI > 60% (Lvl 2) "The borrower has total monthly income of $10,000.00 and total expenses are in the amount of $8,595.77 hence DTI becomes 85.95% which exceeds 60%. This is HARP loan"<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial Escrow Account Disclosure is missing from the loan file."<br> \* Initial Good Faith Estimate is Missing (Lvl 2) "Initial GFE is missing from the loan file."<br> \* MI, FHA or MIC missing and required (Lvl 2) "As per appraisal report original appraised value is xx and value used by lender for LTV is xx. Hence, LTV is greater than 80.00%. To coverage the loan MI certificate is required. however, MI certificate is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "Subject property is located at NJ state. <br> Following state disclosure is missing from the loan file:-<br> 1) Unacceptability of Insurance Notice.<br> 2) Tax Bill Information.<br> 3) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application<br> 4) Choice of Insurer Disclosure."<br> \* Qualified Mortgage DTI Lending Policies limits the loan to 43% - This loan failed the qualified (Lvl 2) "This loan is failing Qualified Mortgage DTI Threshold Finding. The borrower has total monthly income of $10,000.00 and total expenses are in the amount of $8,595.77 hence DTI becomes 85.95% which exceeds 43% threshold. However Underwriting transmittal is available in loan files which states the subject loan is originated as HARP, so it can qualifies as temporary safe harbor." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 75429008 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | Second |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | ? | No | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 86.763% | 86.763% | Full Documentation | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | Not Applicable | Not Applicable | 40.818% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Review of updated title report dated xx/xx/xxxx shows the subject mortgage was originated xx<br> The chain of assignment is complete. The latest assignment of mortgage is with xx and it was recorded on xx/xx/xxxx.<br> There is a senior mortgage against the subject property in favor of xx. in the amount of $xx,xxx.xx and it was recorded on xx/xx/xxxx.<br> No active judgments or liens have been found pending.<br> Annual taxes are in the amount of $x,xxx.xx. <br> No prior delinquent taxes have been found pending. | Provided payment history as of xx/xx/xxxx, reveals that the loan is in delinquency for xx months. The next due date for the payment is xx/xx/xxxx. The borrower is not making regular payments as per note P&I. The last payment of xx/xx/xxxx was received on xx/xx/xxxx in the amount of $xxx.xx. According to the payment history the current unpaid principal balance is being reflected in the amount of $xx,xxx.xx. | Collections Comments:Loan is in active bankruptcy. Provided servicing comments dated from xx/xx/xxxx to xx/xx/xxxx reveal that the loan is in delinquency for xx months. The next due date for the payment is xx/xx/xxxx. The borrower is not making regular payments as per note P&I. The last payment of xx/xx/xxxx was received on xx/xx/xxxx in the amount of $xxx.xx. According to the payment history the current unpaid principal balance is being reflected in the amount of $xx,xxx.xx. <br> The servicing comments and latest BPO report dated xx/xx/xxxx state that the subject property is owner occupied with no visible damages or repairs. It is in average condition. <br> The reason for default of borrower is unemployment or decreased income. The borrower is not making regular payments as per note P&I. The loan was not yet modified since origination. <br> No information regarding foreclosure was found in the loan file. <br> The borrower has filed bankruptcy under chapter xx plan with case #xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower has filed bankruptcy under chapter xx plan with case # xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. <br> According to the amended chapter xx plan the debtor shall pay to the trustee the sum of amount of $xxx.xx per month for xx months. The debtor has already paid $x,xxx.xx and the total base plan is $xx,xxx.xx. The estimated amount of arrearage to be paid for the collateral is $xxx.xx. | Not Applicable | Origination Appraisal | xx | 2: Acceptable with Warnings |  |  | \* Missing Appraisal (Lvl 2) "An appraisal report is missing from the loan file. However, the appraised value is updated from 1008."<br> \* Missing Required Disclosures (Lvl 2) "List of Service provider disclosure is missing from the loan file."<br> \* TIL not hand dated (Lvl 2) "Final TIL is not hand dated by all the borrowers." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 96535494 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 100.000% | 100.000% | Full Documentation | Yes | xx | xx | 30.000% | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 72.651% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of the updated title reflects that the subject mortgage was originated on xx<br> The chain of assignment is complete as the current assignee is xx.<br> There is one judgment for $xxxx.xx recorded on xx/xx/xxxx with xx<br> The annual estimated taxes are $xx,xxx.xx.<br> No prior year delinquent taxes are found. | Review of the pay history reflects that the borrower is more than xxx days past due. <br> The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx and was applied to x/x/xx. The next payment due is x/x/xx<br> The UPB is $xxx,xxx.xx<br> Borrower made last payments as per Note terms. | Collections Comments:Review of the pay history reflects that the borrower is more than xxx days past due. <br> The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx and was applied to x/x/xx. The next payment due is x/x/xx. The UPB is $xxx,xxx.xx.<br> Borrower made last payments as per Note terms.<br> In the loan file there is an unexecuted loan modification between the borrower and xx made on xx/xx/xxxx. The new UPB is $xxx,xxx.xx, with a deferred amount of $xx,xxx.xx and an interest bearing amount of $xxx,xxx.xx. <br> Comments reflect since x/xx/xx there has been no contact with the borrower. Not clear if any letters were sent out when telephone contact failed. Per the BPO of xx/xx/xx property is vacant but comments do not reflect this status. <br> File was referred to foreclosure and then placed on hold. Comments state that a sale date had been set but did not give a date. <br> Borrower filed Chapter xx on x/xx/xx and current status is awaiting trustee's report <br> Per Chapter xx Plan borrower is to pay trustee $xxxx per month for xx months <br> Per the latest exterior BPO dated xx/xx/xx the property is vacant. The property appears to be secure and the lawn is not maintained but there are no visible signs that repairs are needed. Estimated repair cost is $x.xx<br>Foreclosure Comments:File was referred to foreclosure on xx/xx/xx and a sale date was set when borrower filed bankruptcy.<br> Borrower filed Chapter xx on x/xx/xx and current status is awaiting trustee's report <br> Per Chapter xx Plan borrower is to pay trustee $xxxx per month for xx months <br> Bankruptcy Comments:Borrower filed Bankruptcy chapter xx case # xx on x/xx/xx and current status is awaiting trustee's report.<br> As per chapter xx Plan borrower was to pay trustee $xxxx per month for xx months.<br> POC was filled on xx/xx/xxxx with POC amount $xxx,xxx.xx and arrearage amount $xx,xxx.xx. | In the loan file there is an unexecuted loan modification between the borrower and xx made on xx/xx/xxxx. The new UPB is $xxx,xxx.xx, with a deferred amount of $xx,xxx.xx and an interest bearing amount of $xxx,xxx.xx. <br> The new payment will start from x/x/xx with a P&I of $xxx.xx. The new maturity date is x/x/xx. The interest rate will be a fixed x.xx% | HUD-x Closing Statement<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The Final HUD is missing from the loan file. There is only the signature page of the HUD located at "xx" in the file." | \* DTI > 60% (Lvl 2) "After entering the data provided by the application the DTI is greater than 60%"<br> \* Missing Appraisal (Lvl 2) "The appraisal is missing from the loan file. Only first page of the appraisal is located at "xx" in the loan file but the 2nd and other pages which reflects the appraisal amount was not found."<br> \* Missing Required Disclosures (Lvl 2) "Below mentioned state disclosures are missing from the loan file.<br> 1. NJ Attorney Disclosure<br> 2. Tax Bill Disclosure"<br> \* ROR not hand dated by borrower(s) (Lvl 2) "The date on the ROR was typed in, not hand dated by borrower." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 11266987 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 85.000% | 85.000% | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx shows the subject mortgage was originated on xx<br> The chain of assignment is complete. The latest assignment of mortgage is with xx<br> x) There is an senior mortgage against the subject property in favor of xx. However, the senior mortgage was subordinated to the lower lien position through the subordinate agreement recorded on xx/xx/xxxx. <br> x) Civil Judgment against Leticia Ibarra in favor of xx in the amount of $x,xxx.xx and it was recorded on xx/xx/xxxx.<br> Annual taxes are in the amount of $x,xxx.xx. <br> xxxx xst half county taxes are paid till xx/xx/xxxx in the amount of $xxx.xx.<br> xxxx xnd half county taxes are paid till xx/xx/xxxx in the amount of $xxx.xx.<br> No prior delinquent taxes have been found pending. | Provided payment history as of xx/xx/xxxx, reveals that the loan is in delinquency for xx months. The next due date for the payment is xx/xx/xxxx. The borrower is not making regular payments as per loan modification. The last payment of xx/xx/xxxx was received on xx/xx/xxxx in the amount of $xxx.xx. According to the payment history the current unpaid principal balance is being reflected in the amount of $xxx,xxx.xx. | Collections Comments:<br> Foreclosure Comments:Available servicing comment in file reveal that the loan is in foreclosure which was filed in xxxx with the case#xx. foreclosure complaint filed on xx/xx/xxxx ,foreclosure was put on hold due to filed bankruptcy on xx/xx/xxxx.<br> Bankruptcy Comments:The borrower had filed bankruptcy under chapter xx with casexx on xx/xx/xxxx and plan later was confirmed on xx/xx/xxxx. As per Amended chapter xx plan dated xx/xx/xxxx, the debtor shall pay to the Trustee the sum of $x,xxx.xx per month for a period of xx months and then $x,xxx.xx per month for xx months. The lender also filed POC dated xx/xx/xxxx and POC amount is $xxx,xxx.xx. Arrearage is in the amount of $x,xxx.xx. No further details are available. <br>| The loan modification agreement was made between xx and xx xx/xx/xxxx. The first modified payment is still due for xx/xx/xxxx and the new maturity date will be xx/xx/xxxx.The new Modified Unpaid Principal Balance is $xxx,xxx.xx.The modification rate would be x.xxx% and modified P&I is $xxx.xx. <br>| Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> Good Faith Estimate<br> HUD-x Closing Statement<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 is missing from the loan file. However, there is neither estimated Hud-1 nor itemization available in the loan file." | \* Application Missing (Lvl 2) "Final 1003 is missing from the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Good Faith Estimate missing or unexecuted (Lvl 2) "Final GFE is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure is missing from the loan file."<br> \* Initial Good Faith Estimate is Missing (Lvl 2) "Initial GFE is missing from the loan file."<br> \* Initial Truth in Lending Disclosure is Missing (Lvl 2) "Initial TIL is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "An appraisal report is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Service providers document is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in Indiana State and the IN state requires total 3 disclosures which are missing from the loan file. <br> 1)Hazard Insurance Disclosure<br> 2)Federal Consumer Credit Protection Act Disclosure<br> 3)Insurance Freedom of Choice Disclosure"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business disclosure is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 69182265 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 60.000% | 60.000% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 39.768% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.x | Not Applicable | x% | xxx.xx | xx/xx/xxxx | Lower Interest Rate | As per the review of updated title report dated xx/xx/xxxx, the loan was originated xx. The chain of assignment is missing. There is one active municipal lien found against borrower in the amount of $xxx.xx in the favor of "xx" which was recorded on xx/xx/xxxx, but by the original document we can not confirm that it is municipal lien or not. Property taxes of the year xxxx-xx are paid in the amount of $xxx.xx. Prior years taxes are not delinquent. | As per the review of latest payment history dated xx/xx/xxxx borrower has been delinquent for more than xxx days and not making regular payment. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for xx/xx/xxxx payment. The current unpaid principal balance is $xx,xxx.xx. Current P&I is $xxx.xx and current interest rate is x.xx%. The loan has never been modified. | Collections Comments:As per the review of latest collection comments borrower has been delinquent for more than xxx days.<br> As per the review of latest payment history dated xx/xx/xxxx borrower has been delinquent for more than xxx days and not making regular payment. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for xx/xx/xxxx payment. The current unpaid principal balance is $xx,xxx.xx. Current P&I is $xxx.xx and current interest rate is x.xx%. The loan has never been modified.<br> Foreclosure was not initiated in the loan.<br> Borrower has not filed bankruptcy. <br> As per the available collection comments property is in fair condition, however latest exterior BPO dated xx/xx/xxxx reveals that property is damaged and estimated repair value is $xxx.xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This loan modification agreement made on xx/xx/xxxx between "xx" (Borrower) and xx (Lender). The new modified unpaid principal balance is $xx,xxx.xx. New interest rate is x.xx% and new P&I is $xxx.xx. The first payment begun on xx/xx/xxxx and xx/xx/xxxx will be new maturity date. The modification further taken x steps. | Missing Required State Disclosures<br> Notice of Servicing Transfer | xx | 3: Curable |  | \* Not all borrowers signed HUD (Lvl 3) "Final HUD 1 is not signed by borrower." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "Compliance Ease risk is "Elevated" due to GSE failed for point and fee test."<br> \* Missing Required Disclosures (Lvl 2) "List of service provider is missing from loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The property is in Maryland state and in this MD state 7 disclosures are required, however all disclosures are missing from loan file as follows.<br> 1)Affidavit of Consideration<br> 2)Affidavit of Disbursement<br> 3)First Time Buyers Affidavit<br> 4)Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure<br> 5)Balloon Payment<br> 6)No Escrow Account<br> 7)Mandatory Binding Arbitration Disclosures"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer disclosure is missing from loan file."<br> \* Settlement date is different from note date (Lvl 2) "Settlement date is different from note date, as per the original note note date is xx/xx/2007, however final HUD 1 reflects settlement is xx/xx/2007." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 88847202 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 89.452% | 89.452% | Full Documentation | Yes | xx | xx | 17.000% | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 60.997% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx<br> The chain of the assignment has been completed. The last assignment is from xx<br> There is a civil judgment against the xx in the favor of xx which was recorded on xx/xx/xxxx. However, the amount of judgment is not provided.<br> Affidavit for the purpose of amending the deed of trust to include the name of the mortgagor, xx in the notary block was filed on xx/xx/xxxx.<br> xxxx Combined annual taxes have been paid in the cumulative amount of $x,xxx.xx on xx/xx/xxxx. No prior years delinquent taxes have been found. | According to the latest payment history as of xx/xx/xxxx, the borrower is currently delinquent for x months and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for xx/xx/xxxx. The UPB reflected in the latest payment history is in the amount of $xxx,xxx.xx.<br> The borrower has been making payment as per modification agreement dated xx/xx/xxxx with the interest rate of x.xxx% and the P&I of $xxx.xx. | Collections Comments:The loan is currently in the bankruptcy and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for xx/xx/xxxx. The UPB reflected in the latest payment history is in the amount of $xxx,xxx.xx.<br> The borrower has been making payment as per modification agreement dated xx/xx/xxxx with the interest rate of x.xxx% and the P&I of $xxx.xx. The loan has been modified once since the origination.<br> The reason for default is not mentioned in the collection comment.<br> According to a review of the loan file, the foreclosure was initiated in xxxx and the file was referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx. The sale was scheduled on xx/xx/xxxx. No further detail of foreclosure was found in the loan file.<br> Thereafter, the foreclosure was restarted in xxxx and was referred to an attorney on xx/xx/xxxx.The complaint was filed on xx/xx/xxxx. The notice for hearing on foreclosure was filed on xx/xx/xxxx. According to the notice of sale, the sale was scheduled on xx/xx/xxxx. However, the foreclosure was put on hold because of the borrower had filed bankruptcy under Chapter xx with Case #xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. The foreclosure was dismissed due to failure to prosecute. <br> The POC was filed on xx/xx/xxxx for the secured claim amount of $xxx,xxx.xx and the amount of arrearage is $xx,xxx.xx. Under Chapter xx plan, the debtor shall pay to the trustee the sum of $x,xxx.xx per month for xx months. Total plan payment is in the amount of $xxx,xxx.xx. <br> As per the voluntary petition, the unsecured portion of the claim is in the amount of $xx,xxx.xx.<br> According to order on trustee's motion to modify the plan which was filed on xx/xx/xxxx, the plan payment will increase to $x,xxx.xx per month effective from November xxxx. The base amount to be paid into the plan to be increased to the greater of $xxx,xxx.xx.<br> The motion for relief from stay was filed on xx/xx/xxxx. The city of Concord respectfully requests that the Court issue an order lifting the automatic stay to permit the city to proceed with the pending the eminent domain action against the debtor and for such other relief as the court shall deem just and proper.<br> Notice of mortgage payment change was filed on xx/xx/xxxx. The new mortgage payment was in the amount of $x,xxx.xx which was due from xx/xx/xxxx.<br> According to inspection report dated xx/xx/xxxx, the subject property is owner occupied and is in average condition. As-Is list price is quoted as $xxx,xxx.xx. No damage has been reported to the subject property.<br>Foreclosure Comments:According to a review of the loan file, the foreclosure was initiated in xxxx and the file was referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx. The sale was scheduled on xx/xx/xxxx. No further detail of foreclosure was found in the loan file.<br> Thereafter, the foreclosure was restarted in xxxx and was referred to an attorney on xx/xx/xxxx.The complaint was filed on xx/xx/xxxx. The notice for hearing on foreclosure was filed on xx/xx/xxxx. According to the notice of sale, the sale was scheduled on xx/xx/xxxx. However, the foreclosure was put on hold because of the borrower had filed bankruptcy under Chapter xx with Case #xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. The foreclosure was dismissed due to failure to prosecute. <br>Bankruptcy Comments:The borrower had filed bankruptcy under Chapter xx with Case #xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. The POC was filed on xx/xx/xxxx for the secured claim amount of $xxx,xxx.xx and the amount of arrearage is $xx,xxx.xx. <br> Under Chapter xx plan, the debtor shall pay to the trustee the sum of $x,xxx.xx per month for xx months Total of plan payment is $xxx,xxx.xx. <br> As per the voluntary petition, the unsecured portion of the claim is in the amount of $xx,xxx.xx.<br> According to order on trustee's motion to modify the plan which was filed on xx/xx/xxxx, the plan payment will increase to $x,xxx.xx per month effective from November xxxx. The base amount to be paid into the plan to be increased to the greater of $xxx,xxx.xx.<br> The motion for relief from stay was filed on xx/xx/xxxx. The city of Concord respectfully requests that the Court issue an order lifting the automatic stay to permit the city to proceed with the pending the eminent domain action against the debtor and for such other relief as the court shall deem just and proper.<br> Notice of mortgage payment change was filed on xx/xx/xxxx. The new mortgage payment was in the amount of $x,xxx.xx which was due from xx/xx/xxxx. | This modification agreement was made between the lender, xx, and the xx on xx/xx/xxxx. <br> As per the modified term, the new principal balance is $xxx,xxx.xx. Borrower promises to pay $xxx.xx monthly with the modified interest rate of x.xxx% beginning from xx/xx/xxxx with a maturity date of xx/xx/xxxx.<br> The loan doesn't contain a balloon provision. | Affiliated Business Disclosure<br> Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "CE Risk Indicator is Moderate as the loan is Failing for NC State Regulation Test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "Loan is Failing for NC State Regulation Test.<br>Borrower has been charged Loan Discount Fees $5,622 however Bona Fide Disclousre is missing confirming the undiscounted rate."<br> \* DTI > 60% (Lvl 2) "According to final loan application, the total monthly income of the borrower is in the amount of $3,045.00 and the total monthly expenses are $1,857.37. Hence, DTI exceeds 60%."<br> \* Missing Required Disclosures (Lvl 2) "List of service providers is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in NC State. The following state disclosures are missing from the loan file:<br> 1]Amortization Schedule Disclosure.<br> 2]Credit Property Insurance Disclosure.<br> 3]Fee Agreement.<br> 4]Priority of Security Instrument Disclosure.<br> 5]Attorney Selection Disclosure."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business form is missing from the loan file." |  | Moderate | Not Covered | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 96367069 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | Yes | Yes | Not Applicable | Other |  | ? | ????.?? | ??/??/???? | Unavailable | No | Loss Mitigation | Chapter 7 | xx | Not Applicable | Yes | xx | ????.?? | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 79.996% | 79.996% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 44.832% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx. the chain of assignment is incomplete as the assignment of mortgage is currently with xx".<br> There is an active junior mortgage in the updated report in the amount of xx. xxxx year annual County property tax was paid on xx/xx/xxxx in the amount of $ x,xxx.xx. <br> There are Some active judgments and liens against subject property which are <br> as follow:<br> x. There is a active Water/Sewer lien against subject property in the amount of $x,xxx.xx which was recorded on xx/xx/xxxx in the favor of <br> "xx".<br> x. There is a active Water/Sewer lien against subject property in the amount of $x,xxx.xx which was recorded on xx/xx/xxxx in the favor of <br> "xx".<br> x. There is a active Water/Sewer lien against subject property in the amount of $x,xxx.xx which was recorded on xx/xx/xxxx in the favor of <br> "xx".<br> x. There is a active Water/Sewer lien against subject property in the amount of $x,xxx.xx which was recorded on xx/xx/xxxx in the favor of <br> "xx".<br> x. There is a active Water/Sewer lien against subject property in the amount of $x,xxx.xx which was recorded on xx/xx/xxxx in the favor of <br> "xx".<br> x. There is active judgment against Subject borrower in the mount of $x,xxx.xx which was recorded on xx/xx/xxxx in the favor of<br> "xx".<br> x. There is active judgment against Subject borrower in the mount of $x,xxx.xx which was recorded on xx/xx/xxxx in the favor of<br> "xx".<br> x. There is a active Water/Sewer lien against subject property in the amount of $xxx.xx which was recorded on xx/xx/xxxx in the favor of <br> "xx"<br> x. There is active junior civil judgment against subject borrower in the amount of $xxxx.xx in the favor of "xx" which was recorded on xx/xx/xxxx.<br> xx. There is active junior civil judgment against subject borrower in the amount of $xxxx.xx in the favor of "xx" which was recorded on xx/xx/xxxx. | Review of updated payment history states that the subject loan is currently in delinquency for +xxx days and the next payment due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx for the due date of xx/xx/xxxx. The UPB as of the date is in the amount of $xxx,xxx.xx. Borrower is currently making payments according to Modification term. | Collections Comments:Review of the collection comments from xx/xx/xxxx to xx/xx/xxxx state that the subject loan is currently in delinquency for +xxx days and the next payment due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx for the due date of xx/xx/xxxx. The UPB as of the date is in the amount of $xxx,xxx.xx. Borrower is currently making payments according to Modification term. Loan modification agreement was made between the borrower and lender on xx/xx/xxxx. The new modified rate is x.xx% and borrower promises to pay P&I in the amount of $xxx.xx which will be change periodically beginning on xx/xx/xxxx. The new principal balance is $xxx,xxx.xx. Lender has agreed to Deferred amount of $xx,xxx.xx from the unpaid principal balance. The interest bearing amount is $xxx,xxx.xx and the maturity date is xx/xx/xxxx. Reason for Modification is Financial Hardship. Borrower has filed Bankruptcy under chapter-x on xx/xx/xxxx with the case# xx/xx/xxxx. Statement of Intent was filed on xx/xx/xxxx stating debtor intent to retain subject property and will continue to make regular payments.Order Discharging Debtor was filed on xx/xx/xxxx. POC was not filed . Foreclosure was initiated and referred to attorney on xx/xx/xxxx and complaint was filed on xx/xx/xxxx. Some forbearance plan were provided to the borrower and borrower had made trail payments. As per collection comment dated For Loan modification document need to be reviews and FC was place on hold for xx days to allow for review. And as per collection comment dated xx/xx/xxxx state that Forbearance plan was set up. However there is no more information to know the current status of foreclosure. As per latest BPO dated xx/xx/xxxx state that the subject property is occupied by the subject borrower and in average condition however no need to repair.<br> Foreclosure Comments:Review of the collection comment xx/xx/xxxx to xx/xx/xxxx state that the foreclosure was initiated and referred to attorney on xx/xx/xxxx and complaint was filed on xx/xx/xxxx. Some forbearance plan were provided to the borrower and borrower had made trail payments. As per collection comment dated For Loan modification document need to be reviews and FC was place on hold for xx days to allow for review. And as per collection comment dated xx/xx/xxxx state that Forbearance plan was set up. However there is no more information to know the current status of foreclosure.<br> Bankruptcy Comments:Borrower has filed Bankruptcy under chapter-x on xx/xx/xxxx with the case# xx/xx/xxxx. Statement of Intent was filed on xx/xx/xxxx stating debtor intent to retain subject property and will continue to make regular payments.Order Discharging Debtor was filed on xx/xx/xxxx. POC was not filed . | Loan modification agreement was made between the borrower and lender on xx/xx/xxxx. The new modified rate is x.xx% and borrower promises to pay P&I in the amount of $xxx.xx which will be change periodically beginning on xx/xx/xxxx. The new principal balance is xx Lender has agreed to Deferred amount of $xx,xxx.xx from the unpaid principal balance. The interest bearing amount is $xxx,xxx.xx and the maturity date is xx/xx/xxxx. Reason for Modification is Financial Hardship. | Document Showing a Index Numerical Value | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "ComplianceEase Risk Indicator is " Moderate" due to Prepayment Term Test fail."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "ComplianceEase State Regulation Test Fail due to Prepayment Term Test:.<br> Prepayment Term Test shows Loan Data: 12 Month, Comparison Data: 0 Month, Variance: 12 Months."<br> \* Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) "Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file" |  | Moderate | Not Covered | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 80145263 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | Other |  | ? | ? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | ? | No | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% | Not Applicable |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | Not Applicable | Not Applicable | 91.967% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx<br> Chain of assignment is break between "xx " to "xx.".<br> There are four Active Judgments and Liens pending against the borrower.<br> x) There is a Utility lien (Gas Service Claim) open against the borrower in the favor of "xx" in the amount of $x,xxx.xx which was recorded on xx/xx/xxxx.<br> x) There is a Water/Sewer lien open against the borrower in the favor of "xx" in the amount of $xxx.xx which was recorded on xx/xx/xxxx.<br> x) There are multiple Civil Judgments against the borrower in the total amount of $xx,xxx.xx which were recorded on xx/xx/xxxx.<br> x) There is an IRS lien against the borrower of "xx" in the amount of $xx,xxx.xx which was recorded on xx/xx/xxxx.<br> The annual taxes for year xxxx & xxxx are exempted. No delinquent taxes have been found for the prior year. | The Payment History dated xx/xx/xxxx reveals that the borrower has been the delinquent from xx/xx/xxxx to till date. The delinquency has been done for more than xx months. The last payment was received in the amount of $xxx.xx on xx/xx/xxxx which was applied for the due date of xx/xx/xxxx.<br> The current unpaid principal balance is in the amount of $xx,xxx.xx.<br> The loan has never been modified since origination. | Collections Comments:The comment history dated xx/xx/xxxx reveal that the borrower has been the delinquent from xx/xx/xxxx to till date. The delinquency has been done for more than xx months. The last payment was received in the amount of $xxx.xx on xx/xx/xxxx which was applied for the due date of xx/xx/xxxx.<br> The current unpaid principal balance is in the amount of $xx,xxx.xx.<br> The loan has never been modified since origination.<br> As per review of Loan File and Collection Comments, the foreclosure was initiated in xxxx and referred to attorney on xx/xx/xxxx and a sale had been scheduled for xx/xx/xxxx. After that borrower filed the bankruptcy and foreclosure was put on hold. The bankruptcy was filed on xx/xx/xxxx with the case #xx under chapter xx. There is no further proof that the sale date has been rescheduled or not.<br> The borrower had filed Bankruptcy under the chapter xx Case #xx on xx/xx/xxxx. The lender had filed POC dated xx/xx/xxxx and total claim amount was $xx,xxx.xx and Arrearage was in the amount of $xx,xxx.xx. Motion for relief from stay was filed on xx/xx/xxxx. According to Schedule D of voluntary petition dated xx/xx/xxxx, loan has been determine to have an unsecured debt in the amount of $x,xxx.xx.<br> As per Chapter xx plan dated xx/xx/xxxx, the debtor shall pay to the Trustee the sum of $x,xxx.xx per month for a period of xx months.<br> As per collection comments and the latest BPO dated xx/xx/xxxx, subject property is occupied by owner and no damage has been found on the subject property. Therefore, no repairs are required.<br> Foreclosure Comments:As per review of Loan File and Collection Comments, the foreclosure was initiated in xxxx and referred to attorney on xx/xx/xxxx and a sale had been scheduled for xx/xx/xxxx. After that borrower filed the bankruptcy and foreclosure was put on hold. The bankruptcy was filed on xx/xx/xxxx with the case #xx under chapter xx. There is no further proof that the sale date has been rescheduled or not.<br> Bankruptcy Comments:The borrower had filed Bankruptcy under the chapter xx Case #xx on xx/xx/xxxx. The lender had filed POC dated xx/xx/xxxx and total claim amount was $xx,xxx.xx and Arrearage was in the amount of $xx,xxx.xx. Motion for relief from stay was filed on xx/xx/xxxx. According to Schedule D of voluntary petition dated xx/xx/xxxx, loan has been determine to have an unsecured debt in the amount of $x,xxx.xx.<br> As per Chapter xx plan dated xx/xx/xxxx, the debtor shall pay to the Trustee the sum of $x,xxx.xx per month for a period of xx months. Certification of default was filed by Lender on xx/xx/xxxx, which was objected to by debtor. A hearing is scheduled for xx/xx/xxxx regarding this issue. | Not Applicable | Affiliated Business Disclosure<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* DTI > 60% (Lvl 2) "According to Final 1003, borrowers income is in the amount of $9,378.11 and total expenses of borrower are $8,624.72. Therefore, DTI exceeds 60%."<br> \* Missing Required Disclosures (Lvl 2) "List of Service Providers is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of Servicing Transfer is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Disclosure is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 63465255 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | ? | No | xx | Not Applicable | ????.?? | ?.??% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 57.203% | Unavailable | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Unavailable | xx/xx/xxxx | xxxxx.xx | Not Applicable | x.xx% | xxx.xx | xx/xx/xxxx | Financial Hardship | The review of the updated title report dated xx/xx/xxxx shows that the subject mortgage was originated xx<br> The chain of the assignment has been completed. The latest assignment is from, xx<br> There is a junior mortgage in the amount of $xx,xxx.xx recorded on xx/xx/xxxx with xx.<br> There is a civil judgment in the favor of xx in the amount of $xxxx.xx which was recorded on xx/xx/xxxx.<br> There is a civil judgment in the favor of xx, in the amount of $xxxx.xx which was recorded on xx/xx/xxxx.<br> There is a civil judgment in the favor of xx in the amount of $xxxx.xx which was recorded on xx/xx/xxxx.<br> There is a civil judgment in the favor of xx in the amount of $xxxx.xx which was recorded on xx/xx/xxxx.<br> xxxx city taxes xst installment has been paid in the amount of $xxx.xx which was due on xx/xx/xxxx.<br> xxxx city taxes xnd installment has been paid in the amount of $xxx.xx which was due on xx/xx/xxxx.<br> xxxx city taxes xrd installment has been paid in the amount of $xxx.xx which was due on xx/xx/xxxx.<br> xxxx city taxes xth installment is due in the amount of $xxx.xx which is due on xx/xx/xxxx.<br> No prior year of delinquent taxes has been found. | As per the review of payment history, the borrower is currently delinquent for more than xxx days and the next due payment is for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for xx/xx/xxxx. The UPB reflected in the latest payment history is in the amount of $xxxxx.xx and PITI is $xxx.xx. | Collections Comments:As per the review of the servicing comments, currently, the loan is in an active bankruptcy and the next due payment is for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for xx/xx/xxxx. The UPB reflected in the latest payment history is in the amount of $xxxxx.xx and PITI is $xxx.xx. <br> Unable to determine the reason for default and the intention of the borrower.<br> The borrower has been making the payment as per modification. The loan modification agreement was made between (borrower) xx and (Lender) xx, on xx/xx/xxxx.<br> The borrower promises to pay the new UPB in the amount of $xxxxx.xx with an annual fixed modified interest rate of x.xxx% and new P&I is in the amount of $xxx.xx beginning from xx/xx/xxxx till the maturity date xx/xx/xxxx. This modification has no provision for the balloon payment.<br> No information pertaining to foreclosure has been found. <br> The borrower had filed bankruptcy under Chapter xx with the Case # xxon xx/xx/xxxx.The plan was confirmed on xx/xx/xxxx. The date of the last filing is xx/xx/xxxx. As per chapter xx confirmed plan, the Debtor shall pay to the trustee the sum of $xxx per month for a period of xx months. The POC was filed by the creditor on xx/xx/xxxx with the claim amount of $xx,xxx.xx and the arrearage amount is $xx,xxx.xx. <br> The death certificate located at xx shows that the Arthur Leo Mulligan was deceased on xx/xx/xxxx.<br> As per latest BPO report dated xx/xx/xxxx located at xx, the subject property has been occupied by the owner. The subject property is in a well-maintained condition. No damage has been found in the comments.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower had filed bankruptcy under Chapter xx with the Case # xxon xx/xx/xxxx.The plan was confirmed on xx/xx/xxxx. The date of the last filing is xx/xx/xxxx. As per chapter xx confirmed plan, the Debtor shall pay to the trustee the sum of $xxx per month for a period of xx months. The POC was filed by the creditor on xx/xx/xxxx with the claim amount of $xx,xxx.xx and the arrearage amount is $xx,xxx.xx. | This loan modification agreement was made between (borrower) xx and (Lender) xx, on xx/xx/xxxx.<br> The borrower promises to pay the new UPB in the amount of $xxxxx.xx with an annual fixed modified interest rate of x.xxx% and new P&I is in the amount of $xxx.xx beginning from xx/xx/xxxx till the maturity date xx/xx/xxxx. This modification has no provision for the balloon payment. | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Fianl HUD-1 is missing from the loan file along with itemization and estimated HUD-1." | \* Application Missing (Lvl 2) "Final Application is missing from the loan file along with transmittal summary report."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Service Provider is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in MA state. The following state disclosure are missing from the loan file Lead-Based Paint Disclosure, Carbon Monoxide Alarms, MA Smoke Detector Certificate."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer Disclosure Document is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Form is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 56280168 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | ? | No | xx | Not Applicable | ????.?? | ?% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 75.145% | 75.145% | Full Documentation | No |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | Not Applicable | Not Applicable | 42.443% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.x | Not Applicable | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx<br> The chain of assignment is incomplete, as there is assignment chain break from xx to xx by xx. Currently, the mortgage assignment is with xx.<br> There IRS lien ad civil judgments against the subject borrower, these are as follows,<br> x) There are four IRS lien against xx in the favor of Internal Revenue Services and in the total amount of $xx,xxx.xx which were recorded on xx/xx/xxxx, xx/xx/xxxx, xx/xx/xxxx and xx/xx/xxxx.<br> x) There is an IRS lien against xx and xx in the favor of Internal Revenue Services and in the amount of $xxx,xxx.xx which was recorded on xx/xx/xxxx.<br> x) There are numerous judgments against xx and xx in the total amount of $xx,xxx.xx.<br> x) There are two hospital lien against xx and xx in the total amount of $xx,xxx.xx which were recorded on xx/xx/xxxx and xx/xx/xxxx.<br> No tax report found for recent taxes. | The Payment History dated as of xx/xx/xxxx reveals that the borrower has been the delinquent from xx/xx/xxxx to till date. The delinquency has been done for xx months. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx and it was applied for the due date xx/xx/xxxx. The current P&I is $xxx.xx and rate of interest is x.xxxx%. The current unpaid principal balance is in the amount of $xx,xxx.xx. The last payment was made by borrower as per the loan modification agreement which was made on xx/xx/xxxx. | Collections Comments:Available servicing comment and documents in file reveal that loan is in active bankruptcy.<br> The Payment History dated as of xx/xx/xxxx reveals that the borrower has been the delinquent from xx/xx/xxxx to till date. The delinquency has been done for xx months. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx and it was applied for the due date xx/xx/xxxx. The current P&I is $xxx.xx and rate of interest is x.xxxx%. The current unpaid principal balance is in the amount of $xx,xxx.xx. The last payment was made by borrower as per the loan modification agreement which was made on xx/xx/xxxx.<br> Borrower had filed bankruptcy under chapter xx with the case #xx on date xx/xx/xxxx and the plan was confirmed xx/xx/xxxx. POC was filed on xx/xx/xxxx, in the secured claim amount $xxx,xxx.xx and an arrearage in the amount of $xx,xxx.xx. According to chapter xx plan dated xx/xx/xxxx, the debtor shall pay to trustee in the amount of $xxx.xx monthly for xx months.<br> Available servicing comment and documents in file reveal that loan is in foreclosure since xxxx. Foreclosure was referred to attorney which was completed on xx/xx/xxxx. Foreclosure complaint was filed on xx/xx/xxxx with case # xx and the lis pendens was filed on same day. Foreclosure judgment was entered on xx/xx/xxxx and sale was scheduled for xx/xx/xxxx. But foreclosure was put on hold due to borrower had filed bankruptcy under chapter xx with the case #xx on date xx/xx/xxxx.<br> According to collection comments, no damages or repairs have been found.<br> The latest exterior BPO report dated xx/xx/xxxx, the subject property was occupied by owner and the property was in average condition. No damages or estimated repairs have been noted.<br> Foreclosure Comments:Available servicing comment and documents in file reveal that loan is in foreclosure since xxxx. Foreclosure was referred to attorney which was completed on xx/xx/xxxx. Foreclosure complaint was filed on xx/xx/xxxx with case # xx and the lis pendens was filed on same day. Foreclosure judgment was entered on xx/xx/xxxx and sale was scheduled for xx/xx/xxxx. But foreclosure was put on hold due to borrower had filed bankruptcy under chapter xx with the case #xx on date xx/xx/xxxx.<br> Bankruptcy Comments:Borrower had filed bankruptcy under chapter xx with the case #xx on date xx/xx/xxxx and the plan was confirmed xx/xx/xxxx. POC was filed on xx/xx/xxxx, in the secured claim amount $xxx,xxx.xx and an arrearage in the amount of $xx,xxx.xx. According to chapter xx plan dated xx/xx/xxxx, the debtor shall pay to trustee in the amount of $xxx.xx monthly for xx months. | The loan modification agreement was made between xx (borrowers) and xx (lender) on xx/xx/xxxx with the new modified Unpaid principal balance is $xx,xxx.xx. The interest bearing amount was $xx,xxx.xx with interest rate x.xxx% and the modified P&I was $xxx.xx. The first modified payment due date was xx/xx/xxxx and the maturity date will be xx/xx/xxxx. | Affiliated Business Disclosure<br> HUD-x Closing Statement<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Available copy of HUD-1 is not signed by borrower. The same the copy of HUD-1 shows settlement date is xx/xx/2003 and note date is xx/xx/2003. However, this copy of HUD-1 is considered as final HUD-1." | \* Missing Required Disclosures (Lvl 2) "List of service provider is missing from loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in New York state, however required state disclosure missing from loan file as follows.<br>1.Expiration of Lock-in or Commitment Period.<br> 2.Lock-in Disclosure.<br> 3.Commitment Disclosure."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer missing from loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Required affiliated business disclosure missing/unexecuted is missing from loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from loan file."<br> \* Settlement date is different from note date (Lvl 2) "Available copy of HUD-1 shows settlement date is xx/xx/2003 which is later than the note date is xx/xx/2003." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 25806992 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | Second |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 89.899% | 89.899% | Unavailable | No | Unavailable | xx | 30.000% | Not Applicable |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 635 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated xx<br> Chain of assignment is completed as the subject mortgage is with "xx" as a current assignee.<br> There is one Active Judgment and Lien pending against the borrower.<br> x) There is a municipal lien against the borrower of "xx" in the amount of $xxx.xx which was recorded on xx/xx/xxxx.<br> The xxxx year annual taxes have been paid in the amount of $x,xxx.xx. No prior year delinquent taxes have been found. The xxxx year taxes are due in the cumulative amount of $x,xxx.xx. | The Payment History dated xx/xx/xxxx reveals that the borrower has been the delinquent from xx/xx/xxxx to till date. The delinquency has been done for more than x months. The last payment was received in the amount of $xxx.xx on xx/xx/xxxx which was applied for the due date of xx/xx/xxxx.<br> The current unpaid principal balance is in the amount of $xx,xxx.xx. | Collections Comments:The collection comment dated xx/xx/xxxx reveals that the borrower has been the delinquent from xx/xx/xxxx to till date. The delinquency has been done for more than x months. The last payment was received in the amount of $xxx.xx on xx/xx/xxxx which was applied for the due date of xx/xx/xxxx.<br> The current unpaid principal balance is in the amount of $xx,xxx.xx.<br> Foreclosure is not started by the lender yet.<br> Bankruptcy is not file by the borrower.<br> As per the collection comment xx/xx/xxxx property had a roof damage. Property needed repairs in the amount of $xxxx. No details were found regarding the insurance claim. Latest BPO report dated xx/xx/xxxx also reflect damage to the roof and estimated repair cost in the amount of $xxxx. Details regarding repairs are unavailable.<br> As per collection comments and the latest BPO dated xx/xx/xxxx, subject property is occupied by owner.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Missing Required State Disclosures<br> Mortgage Insurance | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final application is missing from loan the file."<br> \* MI, FHA or MIC missing and required (Lvl 2) "The loan is conventional loan and the LTV is 90%, therefore MI certificate is required. However, it is missing from loan file and the data is considered from Mortgage insurance screen print. (xx)"<br> \* Missing Required Disclosures (Lvl 2) "List of service provider is missing from loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in Maryland state and the MD state requires total 4 disclosures. However all the disclosures are missing from loan file as:<br> 1) Affidavit of Disbursement <br> 2) Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure<br> 3) No Escrow Account<br> 4) Mandatory Binding Arbitration Disclosures"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business form is missing from loan file." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 24801901 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | ? | Yes | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 80.000% | 100.000% | Full Documentation | No |  | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | No | No |  | Not Applicable | 69.963% | First | Final policy | Not Applicable | xxxxx | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx shows the subject mortgage was originated xx<br> The chain of assignment has not been completed. Currently the assignment is with xx<br> There is one junior mortgage against the subject property in the amount of xx.<br> One civil judgment against the borrower in the amount of $x,xxx.xx with xx<br> xxxx Annual combined taxes have been paid off in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior years delinquent taxes have been found pending. | Review of payment history as of xx/xx/xxxx shows the borrower is delinquent for more than xx months and next payment due date was for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current UPB is being reflected in payment history in the amount of $xxx,xxx.xx.<br> The borrower has been making payments as per modification interest rate and terms. | Collections Comments:The loan is in collection and next payment due date was xx/xx/xxxx.<br> Review of payment history as of xx/xx/xxxx shows the borrower is delinquent for more than xx months and next payment due date was for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The current UPB is being reflected in payment history in the amount of $xxx,xxx.xx.<br> The borrower has been making payments as per modification interest rate and terms.<br> No comments were located in comment history regarding current foreclosure.<br> The borrower had filed bankruptcy chapter xx case #xx on xx/xx/xxxx. The voluntary petition was filed on xx/xx/xxxx with the claim amount of $xxxxxx.xx and value of collateral is #xx; however, unsecured portion is $xxxx.xx due to there is second mortgage on subject property which was totally secured. <br> The POC was filed on xx/xx/xxxx with the claim amount of $xxx,xxx.xx and arrearage is $xx,xxx.xx.<br> As per confirmation chapter xx plan the debtor shall pay to the trustee the sum of $xxxx.xx monthly for xx months.<br> The motion for modify plan was filed on xx/xx/xxxx. The motion of trustee to dismiss case or to modify plan was filed on xx/xx/xxxx due to plan payments are currently in default. The order for dismiss case has been filed on xx/xx/xxxx and granted due to plan payments are in substantial default.<br> The case was dismissed on xx/xx/xxxx without confirmation chapter xx plan.<br> As per collection comments the subject property is occupied by owner with average condition and maintained.<br> No comments were located in comment history regarding damage and repairs to the subject property.<br> As per available property inspection report dated xx/xx/xxxx the subject property is occupied by owner with good condition and well maintained.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower had filed bankruptcy chapter xx case #xx on xx/xx/xxxx. The voluntary petition was filed on xx/xx/xxxx with the claim amount of $xxxxxx.xx and value of collateral is #xx; however, unsecured portion is $xxxx.xx due to there is second mortgage on subject property which was totally secured. <br> The POC was filed on xx/xx/xxxx with the claim amount of $xxx,xxx.xx and arrearage is $xx,xxx.xx.<br> As per confirmation chapter xx plan the debtor shall pay to the trustee the sum of $xxxx.xx monthly for xx months.<br> The motion for modify plan was filed on xx/xx/xxxx. The motion of trustee to dismiss case or to modify plan was filed on xx/xx/xxxx due to plan payments are currently in default. The order for dismiss case has been filed on xx/xx/xxxx and granted due to plan payments are in substantial default.<br> The case was dismissed on xx/xx/xxxx without confirmation chapter xx plan.. | The loan modification agreement was made between xx(borrower) and xx (lender) on xx/xx/xxxx with the new principal balance of $xxx,xxx.xx with step interest rate starting at x.xxx% <br> The borrower promised to pay monthly P&I payment in the amount of $xxx.xx beginning from xx/xx/xxxx till the maturity date of xx/xx/xxxx. The interest rate will change in x steps and ends with x.xxx%. | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) "Compliance risk indicator is Significant due to the loan is failing for NC SB 1149 High Cost Home Loan Prepayment Term Test, NC SB 1149 High Cost Home Loan DTI Presumption Test: and NC SB 1149 High Cost Home Loan Financing of Points and fees test Fees Test. <br>SOL to make any claim is 2 years and that the Note Date is xx/xx/2005."<br> \* DTI > 60% (Lvl 2) "As per final 1003 the total monthly income of borrower is $6000.00 and total monthly expenses are $4197.79. Hence DTI>60.00%"<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service providers is missing from the file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "An affiliated business disclosure is missing from the loan file."<br> \* TIL not hand dated (Lvl 2) "Final TIL is signed but not hand dated by borrower." |  | Significant | Pass | Pass | No Result | Fail | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 21876624 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | Yes | Yes | Not Applicable | Other | xx | ? | ????.?? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | ? | No | xx | Not Applicable | ???? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 63.270% | 63.270% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 59.367% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.x | xxxxx.xx | x.x% | xxxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx states that the subject mortgage was originated xx<br> The chain of the assignment has been completed currently. The mortgage is with xx<br> Active judgments and liens found pending are as follows:<br> x.There is civil judgment lien on the subject property in the amount of $xxxx.xx which was recorded on xx/xx/xxxx and filed by xx<br> x. .There is another civil judgment lien on the subject property in the amount of $xxxx.xx which was recorded on xx/xx/xxxx and filed by xx<br> x. There is one senior mortgage in the amount of xx.<br> x. There are three HOA lien against the subject borrower in the total amount of $xxxx.xx and filed by the xx.<br> Annual county taxes have been paid in the amount of $xxxx.xx for the year xxxx.<br> Annual utilities taxes have been paid in the amount of $xxx.xx for the year xxxx.<br> Annual county taxes have been paid in the amount of $xxxx.xx for the year xxxx.<br> Annual county taxes have been paid in the amount of $xxxx.xx for the year xxxx. No delinquent taxes have been located for the prior year.<br>| Review of the payment history provided from xx/xx/xxxx to xx/xx/xxxx reveals that borrower has been the delinquent for more than xxx days. The last payment was received in the amount of $x,xxx.xx on xx/xx/xxxx which was applied for the due date of xx/xx/xxxx. The next due date is xx/xx/xxxx. Current UPB as of date reflects in the provided payment history is in the amount of $xxx,xxx.xx and current interest rate as per payment history is x.xxx %. Borrower is currently making the payment according to the modification terms.<br>| Collections Comments:Review as per servicing comments dated from xx/xx/xxxx to xx/xx/xxxx state that the borrower has not been delinquent currently and the payment is due from xx/xx/xxxx as the borrower is not paying the P&I regularly. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx. The payment history states that the current UPB is $xxx,xxx.xx. Borrower wants to keep the property.Therefore, he is looking for an affordable plan like modification or forbearance to keep the property as well to make the loan current.<br> Available servicing comment shows that the subject property is occupied by the unknown party and is in good condition. No damages have been observed.<br> The reason for default is as follows:<br> The Borrower is unemployed.<br> There is no source of income.<br> Borrower had filed bankruptcy under Chapter-xx Case#xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. According to the order confirming chapter xx plan debtor (borrower) will pay to the U.S. Trustee the sum of $xxx.xx for xx months. Voluntary petition was filed on xx/xx/xxxx shows that the amount of secured claim is $xxx,xxx.xx and unsecured portion is $xxxxx.xx. <br> Motion for relief from automatic stay was filed on xx/xx/xxxx.<br> The POC was filed on xx/xx/xxxx with secured claim amount of $xxx,xxx.xx and the arrearage amount of $xx,xxx.xx.<br> Latest status of FC was on hold due to active bankruptcy. Foreclosure was initiated in the loan and it is referred to the attorney on xx/xx/xxxx.<br> Due to active bankruptcy the foreclosure was put on hold.<br> No further information is available to understand the current status of foreclosure process.<br> Review of updated title report dated xx/xx/xxxx states that the subject mortgage was originated on xx/xx/xxxx with xx which was recorded on xx/xx/xxxx. <br> The chain of the assignment has been completed currently. The mortgage is with Wilmington savings fund society, FSB as trustee of upland mortgage loan trust. and was recorded on xx/xx/xxxx. <br> Active judgments and liens found pending are as follows:<br> x.There is civil judgment lien on the subject property in the amount of $xxxx.xx which was recorded on xx/xx/xxxx and filed by xx.<br> x. .There is another civil judgment lien on the subject property in the amount of $xxxx.xx which was recorded on xx/xx/xxxx and filed by xx<br> x. There is one senior mortgage in the amount of $xx,xxx.xx which was recorded on xx/xx/xxxx and filed by xx.<br> x. There are three HOA lien against the subject borrower in the total amount of $xxxx.xx and filed by the xx.<br> Foreclosure Comments:Foreclosure was initiated in the loan and it is referred to the attorney on xx/xx/xxxx.<br> Due to active bankruptcy the foreclosure was put on hold.<br> No further information is available to understand the current status of foreclosure process.<br> Bankruptcy Comments:Borrower had filed bankruptcy under Chapter-xx Case#xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. According to the order confirming chapter xx plan debtor (borrower) will pay to the U.S. Trustee the sum of $xxx.xx for xx months. Voluntary petition was filed on xx/xx/xxxx shows that the amount of secured claim is $xxx,xxx.xx and unsecured portion is $xxxxx.xx. <br> Motion for relief from automatic stay was filed on xx/xx/xxxx.<br> The POC was filed on xx/xx/xxxx with secured claim amount of $xxx,xxx.xx and the arrearage amount of $xx,xxx.xx.<br> Latest status of FC was on hold due to active bankruptcy. <br>| Loan modification agreement was made between the borrower and lender on xx/xx/xxxx. The new modified rate is x.xxx% and borrower promises to pay P&I in the amount of $xxxx.xx beginning from xx/xx/xxxx. The new principal balance is $xxx,xxx.xx. The maturity date is xx/xx/xxxx. Rate will be changed in x steps.<br> The deferred amount is $xxxxx.xx and the forgiven amount is $xxx.xx.<br> The balloon payment as per this modification document is $xx,xxx.xx. | Missing Required State Disclosures<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* Missing Required Disclosures (Lvl 2) "List of service providers disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in MD State.<br> Following disclosures are missing from the loan file.<br> 1. Affidavit of Consideration<br> 2. Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure<br> 3. Balloon Payment<br> 4. No Escrow Account"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of service transfer disclosure is missing from the loan file."<br> \* TIL not hand dated (Lvl 2) "Final TIL is not hand dated by the borrower." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 2502708 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Colorado | xx | xx | xx | Colorado | xx | xx | Yes | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Unavailable | No | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 73.939% | 73.939% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 57.708% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | The review of Updated Title report dated xx/xx/xxxx, the subject mortgage was originated on xx<br> The chain of assignment of mortgage has been complete. Currently, the assignment is from xx<br> There is one senior mortgage in the favor of xx. However, as per document located at (xx) the senior mortgage was subordinated on xx/xx/xxxx and the subject mortgage is on first lien position.<br> There is one junior Mortgage against the property originated xx<br> There is one junior judgment against the borrower in the favor of xx in the amount of $xxxx.xx which was recorded on xx/xx/xxxx.<br> The xnd installment county taxes for the year xxxx-xx have been due in the amount of $xxx.xx which will due for xx/xx/xxxx.<br> No prior years of delinquent taxes have been found.  | The review of payment history as of xx/xx/xxxx shows that the borrower is currently delinquent for xx months and the next due date is for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for xx/xx/xxxx. The UPB is reflected in the payment history is in the amount of $xxx,xxx.xx. The borrower is making as per Modification. | Collections Comments:The review of the comment history shows that the loan is in foreclosure the next due date is for xx/xx/xxxx. The last payment received date is unable to determine. Hence, values are updated as per tape data. The UPB is reflected in the payment history is in the amount of $xxx,xxx.xx. The P&I is $xxx.xx. The borrower is making as per Modification. <br> The reason for default is unable to determine.<br> The loan was modified, This modification agreement was made between Borrower xx and Servicer xx, . dated xx/xx/xxxx.The reason for modification is financial hardship. <br> As per the modified terms, new principal balance is xx. Borrower promises to pay $xxx.xx monthly with a modified interest rate x.xxx% beginning from xx/xx/xxxx with a maturity date xx/xx/xxxx. The interest bearing amount is $xxx,xxx.xx. There is no deferred balance and principal forgiven amount.<br> The foreclosure was initiated and referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx. As per comment dated xx/xx/xxxx, the sale was scheduled for xx/xx/xxxx. However, further information is unable to determine. As per document located at (xx) the sale was published on xx/xx/xxxx.<br> The borrower had filed bankruptcy under Chapter xx with the case #xx. The case was converted to one under chapter x on xx/xx/xxxx. As per Amended Chapter xx plan the debtor shall pay the $xxx per month for a period of xx months. The motion for relief from stay was filed on xx/xx/xxxx. The debtor was discharged on xx/xx/xxxx and terminated on xx/xx/xxxx.<br> The borrowers intention to keep the property.<br> As per Inspection report dated xx/xx/xxxx, the subject property is owner occupied and fair in condition.<br> No comment were indicating damages and repairs pertaining to the subject property.<br>Foreclosure Comments:The foreclosure was initiated and referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx. As per comment dated xx/xx/xxxx, the sale was scheduled for xx/xx/xxxx. However, further information is unable to determine. As per document located at (xx) the sale was published on xx/xx/xxxx. <br> Bankruptcy Comments:The borrower had filed bankruptcy under Chapter xx with the case #xx. The case was converted to one under chapter x on xx/xx/xxxx. As per Amended Chapter xx plan the debtor shall pay the $xxx per month for a period of xx months. The motion for relief from stay was filed on xx/xx/xxxx. The debtor was discharged on xx/xx/xxxx and terminated on xx/xx/xxxx. | This modification agreement was made between Borrower xx and Servicerxx, N.A. dated xx/xx/xxxx.The reason for modification is financial hardship. <br> As per the modified terms, new principal balance is $xxx,xxx.xx. Borrower promises to pay $xxx.xx monthly with a modified interest rate x.xxx% beginning from xx/xx/xxxx. The maturity date will be xx/xx/xxxx. The interest bearing amount is $xxx,xxx.xx. There is no deferred balance and principal forgiven amount. | Initial Escrow Acct Disclosure<br> Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed the TILA foreclosure rescission finance charge test.<br> The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of rescission because it is understated by more than $35."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA foreclosure rescission finance charge test.<br> TILA Foreclosure Rescission Finance Charge Test: FAIL <br> Loan data xx Comparison data xx Variance -$76.03"<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial Escrow is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "The List of Service Providers is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The state required Disclosure is missing from the loan file listed as follows;<br> Cash-Out Refinance Disclosure<br> Property Insurance Disclosure<br> Colorado Notice to Cosigner<br> Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application"<br> \* ROR not hand dated by borrower(s) (Lvl 2) "ROR not hand dated by borrower." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 18940021 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Loss Mitigation | Chapter 7 | xx | ? | Yes | xx | Not Applicable | ????.? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 54.413% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxxx | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. Chain of assignment is completed. Currently the subject mortgage is with xx.<br> The annual taxes have been paid in the amount of $x,xxx.xx.<br> No prior year delinquent taxes have been found.<br> According to the updated title report there is an active judgment against borrower John Ross in favor of Multiple Plaintiffs which is prior to the subject mortgage.<br> The judgment was recorded on xx/xx/xxxx in the amount of $xx,xxx.xx and the mortgage was recorded on xx/xx/xxxx.<br> According to the updated title report there is state tax judgment against the borrower John Ross in the amount of $xx,xxx.xx in favor of multiple Plaintiffs which was recorded on xx/xx/xxxx. | Review of updated payment history shows that the subject loan is in delinquency for more than xxx days. The borrower is not making his monthly payments. The last payment was received date is not available. The next due date is xx/xx/xxxx. The P&I is in the amount of $xxx.xx with an interest rate of x.xx%. The unpaid principal balance reflected as of the date is $xx,xxx.xx. Borrower is making the payment according to the mod made on xx/xx/xxxx.<br>| Collections Comments:The subject loan is in delinquency for more than xxx days. The borrower is not making his monthly payments. The last payment was received date is not available. The next due date is xx/xx/xxxx. The P&I is in the amount of $xxx.xx with an interest rate of x.xx%. The unpaid principal balance reflected as of the date is $xx,xxx.xx. . Borrower is making the payment according to the mod made on xx/xx/xxxx.<br> According to the modification a new principal balance is xx to a step modification and the rate was starting from x.xx% and borrower had given promise to pay P&I in the amount of $xxx.xx which had begun from xx/xx/xxxx with a new maturity date of xx/xx/xxxx. The rate changes in x steps ending at x.xx%.<br> The borrower had also given the promise to pay the deferred balance in the amount of $xxx,xxx.xx on the maturity date. UPB that has been amortized is $xx,xxx.xx as an interest bearing amount.<br> The borrower had filed bankruptcy dated on xx/xx/xxxx under chapter x with case no#xx. The bankruptcy was discharged on xx/xx/xxxx and it is fully terminated on xx/xx/xxxx. Reaffirmation agreement was filed on xx/xx/xxxx.<br> Schedule D of voluntary petition dated on xx/xx/xxxx states that the amount of secured claim without deducting the value of collateral is $xxx,xxx.xx and the value of collateral that supports this claim is $xxx,xxx.xx; however, the unsecured portion is $xx,xxx.xx.<br>According to the collection comments and documents reveals that the foreclosure was initiated on the loan and the complaint was filed on xx/xx/xxxx with case#xx. The judgment was entered on xx/xx/xxxx and the foreclosure was put on hold due to the loss mitigation. No further details are available about foreclosure in given servicing comments.<br>According to the latest property inspection report dated xx/xx/xxxx the property is occupied by the unknown and it is in good condition. <br> Foreclosure Comments:According to the collection comments and documents reveals that the foreclosure was initiated on the loan and the complaint was filed on xx/xx/xxxx with case#xx. The judgment was entered on xx/xx/xxxx and the foreclosure was put on hold due to the loss mitigation. No further details are available about foreclosure in given servicing comments.<br> Bankruptcy Comments:The borrower had filed bankruptcy dated on xx/xx/xxxx under chapter x with case no#xx. The bankruptcy was discharged on xx/xx/xxxx and it is fully terminated on xx/xx/xxxx. Reaffirmation agreement was filed on xx/xx/xxxx.<br> Schedule D of voluntary petition dated on xx/xx/xxxx states that the amount of secured claim without deducting the value of collateral is $xxx,xxx.xx and the value of collateral that supports this claim is $xxx,xxx.xx; however, the unsecured portion is $xx,xxx.xx. | The loan was modified with an effective date of xx/xx/xxxx and a new principal balance is $xxx,xxx.xx to a step modification and the rate was starting from x.xx% and borrower had given promise to pay P&I in the amount of $xxx.xx which had begun from xx/xx/xxxx with a new maturity date of xx/xx/xxxx. The rate changes in x steps ending at x.xx%.<br> The borrower had also given the promise to pay the deferred balance in the amount of $xxx,xxx.xx on the maturity date. UPB that has been amortized is $xx,xxx.xx as an interest bearing amount. | Affiliated Business Disclosure<br> Credit Report<br> Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* Missing credit report (Lvl 2) "credit report missing in loan file."<br> \* Missing Required Disclosures (Lvl 2) "The list of service provider disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The property is located in OH state and the required disclosures for this state are missing from the loan file as follow. <br> 1) Equal Credit Availability Notice<br> 2) Insurance Tying Disclosure<br> 3) Non-Deposit Insurance Disclosure"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business form disclosure is missing from the loan file" |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 29687154 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 11 | xx | ? | No | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 80.000% | 80.000% | Full Documentation | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | Not Applicable | Not Applicable |  | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of Pro-title report dated xx/xx/xxxx shows that, the subject mortgage was originated xx<br> The chain of assignment is complete. The current assignment is from xx<br> No active judgments or liens found.<br> There is junior mortgage found, which is originated on xx/xx/xxxx in favor of xx in the amount of $xx,xxx and it was recorded on xx/xx/xxxx.<br> The county taxes for the year xxxx and xxxx are paid in the amount of $xxxx.xx and $xxxx.xx. The xst installment of county tax is paid in the amount of $xxxx.xx for the year xxxx-xxxx. And xnd installment of county tax is due in the amount of $xxxx.xx on xx/xx/xxxx. | The review of the payment history shows that the borrower is currently delinquent for more than xx months and the next due date is for xx/xx/xxxx. The last payment was received on xx/xx/xxxx, in the amount of $xxx.xx, which was applied for xx/xx/xxxx. <br> The UPB stated in the payment history is $xxx,xxx.xx. The Current P&I is $xxx.xx and PITI is $x,xxx.xx, with the interest rate of x%. <br> Currently, the borrower has been making the payments as per the document of payment change notice dated xx/xx/xxxx which was located at "xx". | Collections Comments:<br> The review of comment history shows that the loan is in active bankruptcy. The reason for default is unemployment.<br> The review of the payment history shows that the borrower is currently delinquent for more than xx months and the next due date is for xx/xx/xxxx. The last payment was received on xx/xx/xxxx, in the amount of $xxx.xx, which was applied for xx/xx/xxxx. <br> The UPB stated in the payment history is $xxx,xxx.xx. The Current P&I is $xxx.xx and PITI is $x,xxx.xx, with the interest rate of x%. <br> Currently, the borrower has been making the payments as per the document of payment change notice dated xx/xx/xxxx which was located at "xx".<br> The borrower had filed the bankruptcy under chapter xx with the Case # xx, dated xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. The POC was filed on xx/xx/xxxx, the amount of claim is $xxx,xxx.xx and amount of arrearage is $xx,xxx.xx.<br> There is no any evidence of cramdown.<br> As per inspection report xx/xx/xxxx, the property was occupied by an unknown party. No visible damage was found. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower had filed the bankruptcy under chapter xx with the case # xx, dated xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. The POC was filed on xx/xx/xxxx, the amount of claim is $xxx,xxx.xx and amount of arrearage is $xx,xxx.xx.<br> The schedule D of voluntary petition shows the evidence of unsecured debt of $xx,xxx.xx out of claim $xxx,xxx.xx.<br> There is no any evidence of cram down. | Not Applicable | Affiliated Business Disclosure<br> Loan Program Info Disclosure | xx | 3: Curable |  | \* Not all borrowers signed HUD (Lvl 3) "Final HUD-1 is not signed by all the borrower." | \* Loan program disclosure missing or unexecuted (Lvl 2) "The Loan program disclosure is missing in the loan file."<br> \* Operative index value is unable to confirm (Lvl 2) "The operative index value can not be determined from the available loan files."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "The affiliated business disclosure is missing in the loan file."<br> \* Settlement date is different from note date (Lvl 2) "Note is xx/xx/2007 and settlement date is xx/xx/2007 which is different to note date." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 81659981 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | ? | No | xx | Not Applicable | ????.?? | ?.?% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 78.607% | 78.607% | Full Documentation | No |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 37.909% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | According to the pro-title dated xx/xx/xxxx, the subject mortgage was originated on xx<br> The chain of the assignment has been completed. The latest assignment is from xx<br> There is a civil judgment against xx in the favor of City of Chicago, which was recorded on xx/xx/xxxx in the amount of $x,xxx.xx.<br> There two civil judgment against the borrower xx in the favor of xx, which were recorded on xx/xx/xxxx.and on xx/xx/xxxx in the total of $x,xxx.<br> There is a civil judgment against the borrower xx in the favor of xx, which was recorded on xx/xx/xxxx in the amount of $x,xxx.xx .<br> There is a IRS lien against the borrower xx in the favor of Internal Revenue Service, which was recorded on xx/xx/xxxx. <br> The county annual xst installment taxes of xxxx have been paid on xx/xx/xxxx in the amount of $x,xxx.xx.<br> The county annual xst and xnd installments taxes have been paid on xx/xx/xxxx in the amount of $x,xxx.xx and on xx/xx/xxxx in the amount of $x,xxx.xx respectively.<br> No prior years delinquent taxes have been found. | According to the payment history dated xx/xx/xxxx, the borrower is currently delinquent for xx months and the next due date is xx/xx/xxxx.The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for xx/xx/xxxx. The current UPB is xxx,xxx.xx as reflected in the latest payment history. The borrower has been making the payments as per the modification agreement dated xx/xx/xxxx. | Collections Comments:According to the servicing comments, the loan is in bankruptcy and the next due is for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied for xx/xx/xxxx. The current UPB is xxx,xxx.xx as reflected in the latest payment history. The borrower has been making the payments as per the modification agreement dated xx/xx/xxxx.<br> The reason for default is unemployment/decreased income. <br> The loan had been modified on xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx with interest rate x.xx% which steps up in x steps ending at x.xx%. The borrower promises to pay the monthly P&I of $xxx.xx beginning from xx/xx/xxxx. The maturity date will be on xx/xx/xxxx. As per the comment dated xx/xx/xxxx, the borrower got the trail modification and the first payment would be due on xx/xx/xxxx.<br> The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. The first legal action was filed on xx/xx/xxxx. The judgment hearing was on xx/xx/xxxx; however, the foreclosure was put on hold as the borrower had filed bankruptcy under chapter xx on xx/xx/xxxx.<br> The review of the bankruptcy shows that the borrower had filed bankruptcy under chapter xx with the case#xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. As per chapter xx modified plan, the debtor shall pay to the trustee the sum of $xxx.xx per month for the period of xx months.The date of the last filing bankruptcy was xx/xx/xxxx. <br> The comments dated xx/xx/xxxx reflect that the subject property is owner-occupied.<br> The inspection report dated xx/xx/xxxx, the subject property occupied by the unknown party and is in good condition with no damage and repairs.<br>Foreclosure Comments:The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. The first legal action was filed on xx/xx/xxxx. The judgment hearing was on xx/xx/xxxx; however, the foreclosure was put on hold as the borrower had filed bankruptcy under chapter xx on xx/xx/xxxx.<br> Bankruptcy Comments:The review of the bankruptcy shows that the borrower had filed bankruptcy under chapter xx with the case#xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. As per chapter xx modified plan, the debtor shall pay to the trustee the sum of $xxx.xx per month for the period of xx months.The date of the last filing bankruptcy was xx/xx/xxxx. <br>| This step loan modification was made between the borrowers xx and the lender xx on xx/xx/xxxx.<br> The unpaid principal balance is $xxx,xxx.xx with interest rate x.xx% which steps up in x steps ending at x.xx%. The borrower promises to pay the monthly P&I of $xxx.xx beginning from xx/xx/xxxx. The maturity date will be on xx/xx/xxxx.<br>| Affiliated Business Disclosure<br> Missing Required State Disclosures<br> Right of Rescission | xx | 2: Acceptable with Warnings |  |  | \* Missing Required Disclosures (Lvl 2) "List of Service Providers is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in IL state. The following state disclosure are missing from the loan file as follow:<br> IL Collateral Protection Insurance Notice,<br> Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Form is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 20753052 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 80.000% | 80.000% | Full Documentation | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 41.785% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | The review of the updated title dated xx/xx/xxxx states that the subject mortgage was originated on xx<br> The chain of the assignment has been completed. The latest assignment is from xx.<br> No active judgment or liens found.<br> The xxxx Combined xrd and xth installment taxes are paid in the amount of $x,xxx.xx & $xxxx.xx respectively. The xxxx xst installment combined taxes are paid in the amount of $x,xxx.xx and xnd installment taxes will due on xx/xx/xxxx with the amount of $x,xxx.xx.<br> No prior delinquent taxes have been found.<br> The Notice of Lis Pendens was filed on xx/xx/xxxx against the borrower xx.  | As per the review of the payment history dated xx/xx/xxxx shows that the borrower is currently delinquent for xx months. The last payment was received on xx/xx/xxxx in the amount of P&I $x,xxx.xx and PITI of $x,xxx.xx. The next due date is xx/xx/xxxx. The UPB is not reflected in the latest payment history which is taken as per tape data is in the amount of $xxx,xxx.xx.The borrower is making as per modification. | Collections Comments:The loan is currently in Bankruptcy and is next due for xx/xx/xxxx. The foreclosure was initiated and the file was referred to an attorney. As per Updated Title Report Lis Pendens document, the complaint was filed on xx/xx/xxxx. Judgment and Hearing date not found in collection comments. As per Collection comments sale scheduled for xx/xx/xxxx.<br> Again, the sale date was scheduled on xx/xx/xxxx, however, it gets postponed and scheduled on xx/xx/xxxx.The borrower had filed bankruptcy on xx/xx/xxxx and bankruptcy, the current status is a plan confirmed. However, the order on Motion For Relief From Stay was filed on xx/xx/xxxx. So, unable to determine the current foreclosure status as the servicing comments are available till xx/xx/xxxx. <br> The borrower filed bankruptcy case#xx chapter xx on xx/xx/xxxx.The plan was confirmed on xx/xx/xxxx.The date of last filing bankruptcy is xx/xx/xxxx. <br> The POC was filed on xx/xx/xxxx, amount of POC is $xxx,xxx.xx and the arrearage amount is $xxx,xxx.xx. The Motion For Relief From Stay filed on xx/xx/xxxx. <br> As per chapter xx modified plan was filed on xx/xx/xxxx, the debtor shall pay to the Trustee the $xxx.xx to date and shall pay $xxx.xx per months to chapter xx Trustee, starting from xx/xx/xxxx approximately xx months.<br> As per the review of the payment history dated xx/xx/xxxx shows that the borrower is currently delinquent for xx months. The last payment was received on xx/xx/xxxx in the amount of P&I $x,xxx.xx and PITI of $x,xxx.xx. The next due date is xx/xx/xxxx. The UPB is not reflected in the latest payment history which is taken as per tape data is in the amount of $xxx,xxx.xx.The borrower is making as per modification. <br> The reason for default is unable to determine from the servicing comment.<br> The loan has been modified, The Loan modification agreement is made on xx/xx/xxxx Between the borrower xx and the xx.<br> The borrower promise to make a monthly payment of $x,xxx.xx with the rate of interest is x.xxx%. Beginning on xx/xx/xxxx to till maturity date is xx/xx/xxxx. The new principle balance stated in the Modification is $xxx,xxx.xx.This loan modification hasn't balloon provision. <br> The subject property has been occupied by the Owner .No damage pertaining to the subject property has been found.<br>Foreclosure Comments:<br> The foreclosure was initiated and the file was referred to an attorney. As per Updated Title Report Lis Pendens document, the complaint was filed on xx/xx/xxxx. Judgment and Hearing date not found in collection comments. As per Collection comments sale scheduled for xx/xx/xxxx.<br> Again, the sale date was scheduled on xx/xx/xxxx, however, it gets postponed and scheduled on xx/xx/xxxx.The borrower had filed bankruptcy on xx/xx/xxxx and bankruptcy, the current status is a plan confirmed. However, the order on Motion For Relief From Stay was filed on xx/xx/xxxx. So, unable to determine the current foreclosure status as the servicing comments are available till xx/xx/xxxx. <br> The borrower filed bankruptcy case#xx chapter xx on xx/xx/xxxx.The plan was confirmed on xx/xx/xxxx.The date of last filing bankruptcy is xx/xx/xxxx. <br>Bankruptcy Comments:The borrower filed bankruptcy case#xx chapter xx on xx/xx/xxxx.The plan was confirmed on xx/xx/xxxx.The date of last filing bankruptcy is xx/xx/xxxx. <br> The POC was filed on xx/xx/xxxx, amount of POC is $xxx,xxx.xx and the arrearage amount is $xxx,xxx.xx. The Motion For Relief From Stay filed on xx/xx/xxxx. <br> As per chapter xx modified plan was filed on xx/xx/xxxx, the debtor shall pay to the Trustee the $xxx.xx to date and shall pay $xxx.xx per months to chapter xx Trustee, starting from xx/xx/xxxx approximately xx months . | The Loan modification agreement is made on xx/xx/xxxx Between the borrower xx and the xx.<br> The borrower promise to make a monthly payment of $x,xxx.xx with the rate of interest rate of x.xxx%. Beginning on xx/xx/xxxx to till maturity date is xx/xx/xxxx. <br> The new principle balance stated in the Modification is $xxx,xxx.xx.<br> This loan modification hasn't balloon provision. | Affiliated Business Disclosure<br> Credit Report<br> Loan Program Info Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "Prohibited Fees Test: FAIL Loan Data $7,799.00 Comparison Data $0.00 Variance +$7,799.00"<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.<br>The loan does charge fee not provided for in this act, which is prohibited.<br> A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)<br> discount points which may be labeled as an origination fee.<br> A person licensed as a mortgage banker or correspondent mortgage banker shall have the right to charge only the following<br> fees:<br> (1) a credit report fee;<br> (2) appraisal fee;<br> (3) application fee;<br> (4) commitment fee;"<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing in the loan file."<br> \* Missing credit report (Lvl 2) "credit report missing in loan file."<br> \* Missing Required Disclosures (Lvl 2) "List Of Service Providers is missing in the loan files."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in NJ state. The following state disclosure are missing in the loan files.<br> 1)NJ Attorney Disclosure<br> 2)Unacceptability of Insurance Notice<br> 3)Attorney Disclosure II<br> 4)Tax Bill Information<br> 5)Choice of Insurer Disclosure<br> 6)Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer Disclosure Document is missing in the loan file."<br> \* Operative index value is unable to confirm (Lvl 2) "An operative index value is unable to confirm from the available loan file ."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Form is missing in the loan file." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 77766069 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Arkansas | xx | xx | xx | Arkansas | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 100.000% | 100.000% | Full Documentation | No | Unavailable | Not Applicable | Unavailable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 48.886% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.x | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | As per the review of updated title report dated xx/xx/xxxx the loan was originated on xx. There is break in chain of assignment as firstly the loan is with Ameritrust Mortgage Company but such assignment is missing however the current assignment is with current assignee "xx".<br> There is an active state tax lien found against borrower in the amount of $xxx.xx in the favor of 'xx" which was recorded on xx/xx/xxxx.<br> Property taxes of the year xxxx-xxxx are paid in the amount of $x,xxx.xx. Prior years taxes are not delinquent. | As per the review of latest payment history borrower has been delinquent from xx/xx/xxxx to xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date xx/xx/xxxx. The current unpaid principal balance is $xxx,xxx.xx. Current interest rate is x.xxx % and current P&I is $xxx.xx. The borrower is paying as per the modification agreement dated xx/xx/xxxx. | Collections Comments:As per the collection comments borrower has been delinquent from xx/xx/xxxx to xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date xx/xx/xxxx. The current unpaid principal balance is $xxx,xxx.xx. Current interest rate is x.xxx % and current P&I is $xxx.xx. The borrower is paying as per the modification agreement dated xx/xx/xxxx. Foreclosure was not initiated in the loan. The borrower had filed bankruptcy under chapter xx with case #xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. POC was filed by lender on xx/xx/xxxx with the claim amount of $xxx,xxx.xx and amount of arrearage are $xx,xxx.xx. As per the chapter xx plan borrower will pay to the trustee in the amount of $xxxx.xx for next xx months.<br> As per the collection comments and latest BPO dated xx/xx/xxxx located at "xx" shows property is in fair condition and there is no need to repair.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower had filed bankruptcy under chapter xx with case #xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. POC was filed by lender on xx/xx/xxxx with the claim amount of $xxx,xxx.xx and amount of arrearage are $xx,xxx.xx. As per the chapter xx plan borrower will pay to the trustee in the amount of $xxxx.xx for next xx months. | The loan modification agreement made on xx/xx/xxxx between "xx" (Borrower) and xx" (Lender). The modified unpaid principal balance is $xxx,xxx.xx. The principal balance is deferred in the amount $xx,xxx.xx hence, the interest bearing amount is $xxx,xxx.xx. The new P&I is $xxx.xx and new interest rate is x.xxx %. The reduction period end date is xx/xx/xxxx after the end of reduction period borrower paying as per the original note term. Prior to this the loan was modified on xx/xx/xxxx located at "xx" with the lender "xx". The interest rate x.xxx% and P&I is $xxxx.xx | Credit Report<br> Mortgage Insurance | xx | 3: Curable |  | \* MI, FHA or MIC missing and required (Lvl 3) "The loan is conventional and the LTV is 100.00% hence MI certificate is required and it is missing from loan file." | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "ComplianceEase risk indicator is moderate due to<br> 1) This loan failed the interest rate test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan is failed to <br> 1) This loan failed the interest rate test.<br> Loan Data 11.982% Comparison Data 11.250% Variance 0.732"<br> \* Missing credit report (Lvl 2) "Credit Report missing from loan file." |  | Moderate | Not Covered | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 14721450 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ???.?? | ?.??% | 361 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 81.221% | 81.221% | Full Documentation | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | 16.845% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | The review of the updated title report dated xx. The chain of assignment is completed with xx.<br> There is a junior mortgage in the amount of xx.<br> The taxes for the year xxxx are due in the total amount of $xxxx.xx and the due date is xx/xx/xxxx. | Review of the payment history states that the borrower has been delinquent for more than xx months. The last payment was received in the amount of $x,xxx.xx which was applied to due date xx/xx/xxxx, and the next due date is xx/xx/xxxx. Current UPB reflects in the amount of $xxx,xxx.xx. | Collections Comments:The loan is delinquent xx months currently. Borrower filed bankruptcy chapter xx case#xx filed on xx/xx/xxxx. <br> Foreclosure was initiated in the loan and was put to hold due to bankruptcy.<br> The last payment was received in the amount of $x,xxx.xx which was applied to due date xx/xx/xxxx, and the next due date is xx/xx/xxxx. Current UPB reflects in the amount of $xxx,xxx.xx.<br> The updated title report states that there is a junior mortgage and the taxes for the year xxxx are due.<br> The reason for default is the death of the family member as per the servicing comments.<br> The occupancy is occupied by owner as per the comments dated xx/xx/xxxx.<br>Foreclosure Comments:The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. The foreclosure complaint was filed on xx/xx/xxxx. The foreclosure sale was scheduled on xx/xx/xxxx. However, the foreclosure was put on hold due to the borrower had filed bankruptcy under chapter xx with the case #xxon xx/xx/xxxx. <br> Bankruptcy Comments:Borrower filed bankruptcy chapter xx case#xx filed on xx/xx/xxxx. The voluntary petition filed on xx/xx/xxxx mentions the amount of claim is $xxx,xxx.xx and the unsecured amount is $xx,xxx.xx.The POC filed on xx/xx/xxxx states that the POC amount is $xxx,xxx.xx and the amount of arrearage is $xx,xxx.xx. | The step loan modification agreement was made on xx/xx/xxxx between (Borrower) xx and (Lender) xx. The borrower promises to make a monthly payment of $xxxx.xx with the rate on the interest of x.xxx% for xx months and $xxxx.xx with the rate of interest of x.xxx% for xxx months, till maturity date xx/xx/xxxx. The New Principal Balance stated in the modification is $xxx,xxx.xx. | Affiliated Business Disclosure<br> Credit Application<br> Credit Report<br> Missing Dicsloures<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final application is missing in the loan file."<br> \* Application Not Signed by All Borrowers (Lvl 2) "Final application is missing in the loan file. However, values considered from initial application dated xx/xx/2005."<br> \* Missing Appraisal (Lvl 2) "Appraisal is missing from the loan file. The details are updated from Form 2055 present in the loan file."<br> \* Missing credit report (Lvl 2) "Credit Report missing from loan file."<br> \* Missing Required Disclosures (Lvl 2) "The list of service providers disclosure is missing in the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing in the loan file."<br> \* Operative index value is unable to confirm (Lvl 2) "The operative index value source could not be found in the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing in the loan file." |  | Minimal | Pass | Pass | No Result | Not Covered | Not Covered | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 69077855 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | Unavailable | xx | No | Bankruptcy | Chapter 13 | xx | ? | No | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 66.048% | 75.000% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable |  | Unavailable | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No |  | Not Applicable | 29.861% | First | Final policy | Not Applicable | xxxxx | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x% | xxx.x | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated xx"<br> The annual combined taxes have been paid in full in the amount of $x,xxx.xx<br> No prior years delinquent taxes have been found.<br>There is one senior mortgage recorded on xx/xx/xxxx for which the subordination agreement was made and recorded on xx/xx/xxxx and also this senior mortgage was satisfied which was recorded on xx/xx/xxxx.<br>There are two state tax judgment in favor of xx<br> Transcript Judgment as follow.<br> First was recorded on xx/xx/xxxx in the amount of $x,xxx.xx in favor of xx. <br> Second was recorded on xx/xx/xxxx in the amount of $x.xxx.xx in favor of xx<br> Third was recorded on xx/xx/xxxx in the amount of $xxx.xxin favor of xx<br> Fourth was recorded on xx/xx/xxxx in the amount of $xxx.xx in favor of xx | Review of updated payment history shows that the subject loan is in delinquency for more than xxx days. The borrower is not making his monthly payments. The last payment received date is not available. The P&I is in the amount of $x,xxx.xx with interest rate of x.xx% and the next due date is xx/xx/xxxx. The unpaid principal balance reflected as of the date is $xxx,xxx.xx. Borrower is making the payments according to the MOD. The Notice of Mortgage Payment Change contained in the Bankruptcy file does not show any escrow payment either before or after the payment change. | Collections Comments:The loan is in active bankruptcy the borrower had filed bankruptcy dated on xx/xx/xxxx under chapter xx with case no# xx. The plan is not still confined. The amended plan was filed on xx/xx/xxxx and according to the amended plan the debtor shall pay at the trustee $xxxx.xx per month commencing x/x/xxxxthrough the inducing xx/xx/xxxx for period of x months and $xxx.xx per month commencing xx/xx/xxxx for the period of xx months. <br> POC was filed on xx/xx/xxxx with the claim amount of $xxx,xxx.xx and the amount of arrearage is $xxx,xxx.xx. Schedule D of voluntary petition dated on xx/xx/xxxx states that the amount of secured claim without deducting the value of collateral is $xxx,xxx.xx and the value of collateral that supports this claim is $xxx,xxx.xx; however, the unsecured portion is $xx,xxx.xx.<br> Schedule D of voluntary petition dated on xx/xx/xxxx states that the amount of secured claim without deducting the value of collateral is $xxx,xxx.xx and the value of collateral that supports this claim is $xxx,xxx.xx; however, the unsecured portion is $xx,xxx.xx.<br>The subject loan is in delinquency for more than xxx days. The borrower is not making his monthly payments. The last payment received date is not available. The P&I is in the amount of $x,xxx.xx with interest rate of x.xx% and the next due date is xx/xx/xxxx. The unpaid principal balance reflected as of the date is $xxx,xxx.xx. Borrower is making the payments according to the MOD. The Notice of Mortgage Payment Change contained in the Bankruptcy file does not show any escrow payment either before or after the payment change.<br>The loan was modified with an effective date of xx/xx/xxxx and a new principal balance is $xxx,xxx.xx to a step modification and the rate was starting from x.xx% and borrower had given promise to pay P&I in the amount of $xxx.xx which had begun from xx/xx/xxxx with a new maturity date of xx/xx/xxxx. The rate changes in x steps ending at x.xxx%.<br> The borrower had also given the promise to pay the deferred balance in the amount of $xx,xxx.xx on the maturity date. UPB that has been amortized is $xxx,xxx.xx as an interest bearing amount.<br>According to the latest comments and documents available in the loan file state that the foreclosure was initiated in the loan and the complaint was filed on xx/xx/xxxx with case#xx. The foreclosure was put on hold due to the bankruptcy filed by the borrower.<br> No further details are available about FC.<br>Property inspection report dated xx/xx/xxxx state that the property is occupied by the unknown person.<br> Foreclosure Comments:According to the latest comments and documents available in the loan file state that the foreclosure was initiated in the loan and the complaint was filed on xx/xx/xxxx with case#xx. The foreclosure was put on hold due to the bankruptcy filed by the borrower.<br> No further details are available about FC.<br> Bankruptcy Comments:The borrower had filed bankruptcy dated on xx/xx/xxxx under chapter xx with case no# xx. The plan is not still confined. The amended plan was filed on xx/xx/xxxx and according to the amended plan the debtor shall pay at the trustee $xxxx.xx per month commencing x/x/xxxxthrough the inducing xx/xx/xxxx for period of x months and $xxx.xx per month commencing xx/xx/xxxx for the period of xx months. <br> POC was filed on xx/xx/xxxx with the claim amount of $xxx,xxx.xx and the amount of arrearage is $xxx,xxx.xx. Schedule D of voluntary petition dated on xx/xx/xxxx states that the amount of secured claim without deducting the value of collateral is $xxx,xxx.xx and the value of collateral that supports this claim is $xxx,xxx.xx; however, the unsecured portion is $xx,xxx.xx.<br> Schedule D of voluntary petition dated on xx/xx/xxxx states that the amount of secured claim without deducting the value of collateral is $xxx,xxx.xx and the value of collateral that supports this claim is $xxx,xxx.xx; however, the unsecured portion is $xx,xxx.xx.<br>| The loan was modified with an effective date of xx/xx/xxxx and a new principal balance is xx to a step modification and the rate was starting from x.xx% and borrower had given promise to pay P&I in the amount of $xxx.xx which had begun from xx/xx/xxxx with a new maturity date of xx/xx/xxxx. The rate changes in x steps ending at x.xxx%.<br> The borrower had also given the promise to pay the deferred balance in the amount of $xx,xxx.xx on the maturity date. UPB that has been amortized is $xxx,xxx.xx as an interest bearing amount. | Affiliated Business Disclosure<br> Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* Missing Required Disclosures (Lvl 2) "List of service provider disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "Property is located in NY state and the required disclosures for this state are missing from the loan file as follow.<br> 1. NY Consumer Credit Disclosure / Fair Credit Reporting Notice<br> 2. NY Hazard Insurance Disclosure<br> 3.Tax Escrow Account Designation<br> 4. Mortgage Bankers and Exempt Organizations Preapplication<br> 5. Commitment Disclosure<br> 6. Lock-in Disclosure"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Required Affiliated Business Disclosure is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:<br> Date:<br> Type:BPO | Value:<br> Date:<br> Type:BPO |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 76586932 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | ? | No | xx | Not Applicable | ???.?? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 70.000% | 70.000% | Unavailable | Not Applicable |  | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | Yes | No | 696 | Unavailable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.x | Not Applicable | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx<br> The chain of assignment has been completed. The latest assignment is with xx<br> There are two Civil Judgments against the borrowers as follows:<br> x.Recorded on xx/xx/xxxx in the amount of $ x,xxx.xx in the favor of xx<br> x. Recorded on xx/xx/xxxx in the amount of $ x,xxx.xx in the favor of xx<br> The combined xst and xnd installments taxes of xxxx have been paid in the cumulative of $x,xxx.xx.<br> The School annual taxes of xxxx have been paid in the amount of $x,xxx.xx.<br> The utilities annual taxes of xxxx are due on xx/xx/xxxx in the amount of $x.xx.<br> No prior years delinquent have been found.<br>| According to the payment history as of xx/xx/xxxx, the borrower is delinquent for xx months and the next due date for payment is not available in the payment history. The last payment received information is also not available in the payment history. The current UPB is $xx,xxx.xx as reflected in the Tape data. The borrower has been making the payments as per Modification agreement dated xx/xx/xxxx.<br>| Collections Comments:According to the servicing comments, the loan is in bankruptcy and the next due date for payment is not available in the payment history. The last payment received information is also not available in the payment history. The current UPB is $xx,xxx.xx as reflected in the Tape data. The borrower has been making the payments as per Modification agreement dated xx/xx/xxxx.<br> The reason for default is unemployment/decreased income. <br> The loan had been modified on xx/xx/xxxx. The unpaid principal balance is xx with the interest rate of x.xx% which steps up in x steps ending at x.xx%. The borrower promises to pay the monthly P&I of $xxx.xx beginning from xx/xx/xxxx. The maturity date will be on xx/xx/xxxx.<br> The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx.The complaint was filed on xx/xx/xxxx. As per the Judgment of Foreclosure sale in updated title report, the sale was scheduled on xx/xx/xxxx; however, it was put on hold due to the borrower had filed bankruptcy under Chapter xx with the Case # xx on xx/xx/xxxx.<br> As per PACER report, the borrower had filed bankruptcy under Chapter xx with the Case # xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. The motion for relief from stay was filed on xx/xx/xxxx. According to the order confirming chapter xx plan, the debtor shall pay to the trustee the sum of $x,xxx monthly for x months, then $xxx monthly for xx months. The date of the last filing of bankruptcy was xx/xx/xxxx.<br> The comments dated xx/xx/xxxx reflect that the subject property has been occupied by an unknown party.<br> No BPO and inspection reports have been provided.<br>Foreclosure Comments:The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx.The complaint was filed on xx/xx/xxxx. As per the Judgment of Foreclosure sale in updated title report, the sale was scheduled on xx/xx/xxxx; however, it was put on hold due to the borrower had filed bankruptcy under Chapter xx with the Case # xx on xx/xx/xxxx.<br>Bankruptcy Comments:As per PACER report, the borrower had filed bankruptcy under Chapter xx with the Case # xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. The motion for relief from stay was filed on xx/xx/xxxx. According to the order confirming chapter xx plan, the debtor shall pay to the trustee the sum of $x,xxx monthly for x months, then $xxx monthly for xx months.<br> The date of the last filing of bankruptcy was xx/xx/xxxx.<br>| This loan modification agreement was made on xx/xx/xxxx in between the borrower xx with lender xx<br> The unpaid principal balance is xx with the interest rate of x.xx% which steps up in x steps ending at x.xx%. The borrower promises to pay the monthly P&I of $xxx.xx beginning from xx/xx/xxxx. The maturity date will be on xx/xx/xxxx. | Affiliated Business Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* Missing Required Disclosures (Lvl 2) "List of Service Provider disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in NY state. The following state disclosure are missing from the loan file as follows:<br> NY Consumer Credit Disclosure / Fair Credit Reporting Notice, <br> NY Interest Rate Disclosure, <br> NY Hazard Insurance Disclosure, <br> Tax Escrow Account Designation, <br> Mortgage Bankers and Exempt Organizations Pre-application, <br> Co-Signer Notice Requirements,<br> Default Warning Notice, <br> New York Real Property Escrow Account Disclosure,<br> Commitment Disclosure, Lock-in Disclosure, Expiration of Lock-in or Commitment Period."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer Disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Form is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 52500514 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oregon | xx | xx | xx | Oregon | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | ? | No | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 30.137% | 30.137% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | 570 | Not Applicable | 29.753% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated xx. Chain of assignment is complete however; AOM is currently with xx. There are x active liens and judgments have been found in the updated title report;<br> x. There is an active civil judgment against the subject borrower xx in the amount of $xxxx.xx in favor of xx.<br> x. There is an active civil judgment against the subject borrower xx in the amount of $xxx.xx in favor of xx.<br> x. There is an active civil judgment against the subject borrower xx in the amount of $xxx,xxx.xx in favor of xx which was recorded on xx/xx/xxxx. <br> xst xnd and xrd installment of xxxx-xx year annual county property tax was paid on xx/xx/xxxx in the total amount of $ xxxx.xx.  | Review of the payment history provided from xx/xx/xxxx to xx/xx/xxxx reveals that borrower has been the delinquent for more than xxx days. The last payment was received in the amount of $x,xxx.xx on xx/xx/xxxx which was applied for the due date of xx/xx/xxxx. The next due date is xx/xx/xxxx. Current UPB as of date reflects in the provided payment history is in the amount of $xxx,xxx.xx and current interest rate as per payment history is x.xxx %. Borrower is currently making the payment according to the Note terms. | Collections Comments:The subject loan is currently in active bankruptcy. Review of collection comments from xx/xx/xxxx to xx/xx/xxxx states that the borrower has been the delinquent for more than xxx days. The last payment was received in the amount of $x,xxx.xx on xx/xx/xxxx which was applied for the due date of xx/xx/xxxx. The next due date is xx/xx/xxxx. Current UPB as of date reflects in the provided payment history is in the amount of $xxx,xxx.xx and current interest rate as per payment history is x.xxx %. Borrower is currently making the payment according to the Note terms. <br> Review of the collection comments from xx/xx/xxxx to xx/xx/xxxx and available documents in loan file states that the foreclosure was initiated and referred to attorney on xx/xx/xxxx and complaint was filed on xx/xx/xxxx. Sale was scheduled for xx/xx/xxxx but sale date was changed and scheduled for xx/xx/xxxx due to waiting for payment from xx. Number of times sale date was changed and for the same reason. The sale was scheduled for xx/xx/xxxx and it was postponed due to court delay and sale date was set for xx/xx/xxxx. Sale date was scheduled for xx/xx/xxxx due to waiting for court to enter the writ of execution. Court has issued writ of execution and sale date was scheduled for xx/xx/xxxx but foreclosure file was placed on hold due to borrower has filed bankruptcy under chapter xx case # xx on xx/xx/xxxx. Currently borrower is in active bankruptcy however; there is no more information regarding foreclosure to know the current status of foreclosure.<br> Borrowers xx and xx have filed bankruptcy under chapter xx case# xx on xx/xx/xxxx. POC was filed on xx/xx/xxxx which shows the amount of secured claim $xxx,xxx.xx and amount of arrearage is $xx,xxx.xx. Chapter xx Plan was filed on xx/xx/xxxx which states that the debtor shall pay to the trustee $ xxx.xx for xx months and Trustee will pay to subject creditor $xxx as a monthly plan payment. Objection to Confirmation of Plan was filed on xx/xx/xxxx due to <br> Amended schedule J is required. Order Confirming Plan was filed on xx/xx/xxxx. Motion for Relief from Stay was filed by the subject creditor xx. and Order on Relief from Stay was filed on xx/xx/xxxx which states that the Debtor(s) shall deliver regular monthly payments in the amount of $ x,xxx.xx commencing xx/xx/xxxx to subject creditor.<br> Debtor(s) shall cure the post-petition default of $ xx,xxx.xx consisting of xx monthly payments of $x,xxx.xx due for the months of xx/xx/xxxx to xx/xx/xxxx, x monthly payment of $x,xxx.xx due for the month of February xxxx, xx monthly payments of $x,xxx.xx due for the months of March xxxx to January xxxx and less suspense of ($x,xxx.xx). Trustee's Motion to Dismiss was filed on xx/xx/xxxx due to material default under the terms of the plan. Order Resolving Trustee's Motion to Dismiss was filed on xx/xx/xxxx which states that the Debtor(s) acknowledge the plan payment default stated in the Motion. The default is deferred, not waived. Debtor(s) shall cure the default before any discharge may be granted. Trustee's Motion to Dismiss was filed on was filed on xx/xx/xxxx due to material default under the terms of the plan. Currently borrower is in active bankruptcy.<br> As per collection comments subject property is occupied by the unknown party and in average condition however no need to repair.<br> Foreclosure Comments:Review of the collection comments from xx/xx/xxxx to xx/xx/xxxx and available documents in loan file states that the foreclosure was initiated and referred to attorney on xx/xx/xxxx and complaint was filed on xx/xx/xxxx. Sale was scheduled for xx/xx/xxxx but sale date was changed and scheduled for xx/xx/xxxx due to waiting for payment from xx. Number of times sale date was changed and for the same reason. The sale was scheduled for xx/xx/xxxx and it was postponed due to court delay and sale date was set for xx/xx/xxxx. Sale date was scheduled for xx/xx/xxxx due to waiting for court to enter the writ of execution. Court has issued writ of execution and sale date was scheduled for xx/xx/xxxx but foreclosure file was placed on hold due to borrower has filed bankruptcy under chapter xx case # xx on xx/xx/xxxx. Currently borrower is in active bankruptcy however; there is no more information regarding foreclosure to know the current status of foreclosure.<br> Bankruptcy Comments:Borrowers xx and xx have filed bankruptcy under chapter xx case# xx on xx/xx/xxxx. POC was filed on xx/xx/xxxx which shows the amount of secured claim $xxx,xxx.xx and amount of arrearage is $xx,xxx.xx. Chapter xx Plan was filed on xx/xx/xxxx which states that the debtor shall pay to the trustee $ xxx.xx for xx months and Trustee will pay to subject creditor $xxx as a monthly plan payment. Objection to Confirmation of Plan was filed on xx/xx/xxxx due to <br> Amended schedule J is required. Order Confirming Plan was filed on xx/xx/xxxx. Motion for Relief from Stay was filed by the subject creditor xx. and Order on Relief from Stay was filed on xx/xx/xxxx which states that the Debtor(s) shall deliver regular monthly payments in the amount of $ x,xxx.xx commencing xx/xx/xxxx to subject creditor.<br> Debtor(s) shall cure the post-petition default of $ xx,xxx.xx consisting of xx monthly payments of $x,xxx.xx due for the months of xx/xx/xxxx to xx/xx/xxxx, x monthly payment of $x,xxx.xx due for the month of February xxxx, xx monthly payments of $x,xxx.xx due for the months of March xxxx to January xxxx and less suspense of ($x,xxx.xx). Trustee's Motion to Dismiss was filed on xx/xx/xxxx due to material default under the terms of the plan. Order Resolving Trustee's Motion to Dismiss was filed on xx/xx/xxxx which states that the Debtor(s) acknowledge the plan payment default stated in the Motion. The default is deferred, not waived. Debtor(s) shall cure the default before any discharge may be granted. Trustee's Motion to Dismiss was filed on was filed on xx/xx/xxxx due to material default under the terms of the plan. Currently borrower is in active bankruptcy. | Not Applicable | Affiliated Business Disclosure<br> Missing Required State Disclosures | xx | 3: Curable |  | \* Not all borrowers signed HUD (Lvl 3) "Final HUD-1 is not signed by borrower." | \* Missing Required Disclosures (Lvl 2) "List of Service Providers is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "Following are the state disclosure which are missing from the loan file;<br> 1.Oregon Forced Placed Insurance Notice<br> 2.Notice where Escrow Account is NOT Required<br> 3.Escrow Notice for Loans Sold to Out-of- State Purchases within one year<br> 4.Anti-Coercion Notice<br> 5.Insurance Premium Notice<br> 6.Insurance Sales Notice<br> 7.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Form is missing from the loan file."<br> \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) "ROR transaction date shows as xx/xx/2007; however, note or HUD-1 settlement date shows as xx/xx/2007." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 95979856 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Not Applicable | Chapter 7 | xx | ? | No | xx | Not Applicable | ????.?? | ??.??% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 99.830% | 99.830% | Unavailable | No | Unavailable | Unavailable | Unavailable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | Not Applicable | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title Report dated xx/xx/xxxx shows the subject mortgage was originated xx <br> The chain of assignment is complete as the subject mortgage is currently with xx<br> No active judgment or liens are found pending.<br> There are annual combined taxes for the year of xxxx was paid in the amount of $xxxx.xx. Also, annual school taxes for the year of $xxxx was paid in the amount of $xxxx.xx. No delinquent taxes have been found for the prior years | As per the review of payment history, the borrower is delinquent more than xxx days. The last payment was received on xx/xx/xxxx in the amount $x,xxx.xx which was applied to xx/xx/xxxx. The next due date is xx/xx/xxxx. The payment was received as per modification agreement. As per payment history, the current UPB is being reflected the amount of $xx,xxx.xx. | Collections Comments:Loan is currently in active foreclosure. Available servicing comments and documents in file reveal that foreclosure was initiated in loan by filing referral xx/xx/xxxx by attorney. xx & complaint of foreclosure was filed dated on xx/xx/xxxx. No further details are available.<br> Borrower has filed bankruptcy under Chapter x, case # xx on xx/xx/xxxx. As per PACER, bankruptcy was discharged on xx/xx/xxxx and terminated on xx/xx/xxxx. The motion for relief filed on xx/xx/xxxx.<br> As per the review of payment history, the borrower is delinquent more than xxx days. The last payment was received on xx/xx/xxxx in the amount $x,xxx.xx which was applied to xx/xx/xxxx. The next due date is xx/xx/xxxx. The payment was received as per modification agreement. As per payment history, the current UPB is being reflected the amount of $xx,xxx.xx.<br> As per servicing comment reason for default is excessive obligations.<br> As per latest BPO dated xx/xx/xxxx, subject property is occupied by owner and average condition. No information has been found regarding any damage or repair.<br>Foreclosure Comments:Available servicing comments and documents in file reveal that foreclosure was initiated in loan by filing referral xx/xx/xxxx by attorney. Summon & complaint of foreclosure was filed dated on xx/xx/xxxx. No further details are available.<br>Bankruptcy Comments:Borrower has filed bankruptcy under Chapter x, case # xx on xx/xx/xxxx. As per PACER, bankruptcy was discharged on xx/xx/xxxx and terminated on xx/xx/xxxx. The motion for relief filed on xx/xx/xxxx. | This loan modification was done on xx/xx/xxxx between the xx (Borrower) & xx.. (Lender). The amortization type is step and new unpaid Principal balance is xx . As per modification agreement lender was agree to forgiven the principal in the amount of $xx,xxx.xx and modification original rate is x.xxx % and Monthly P&I is $xxx.xx. The modification payment start date is xx/xx/xxxx and new maturity date is xx/xx/xxxx. <br> The prior loan modification was done on xx/xx/xxxx between the xx and Lender xx. | Credit Application<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Mortgage Insurance<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final application along with transmittal is missing from the loan file."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "This loan failed the NY sub prime home loan test. (NY SB 8143 Section 5, 1(c))<br> Loan data is 11.223% which was comparison with 7.260% and variance is +3.963%<br> Using the greater of the disclosed APR and the fully indexed rate, the loan is a sub prime home loan, as defined in the legislation. While the xx provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy sub prime home loans even if the<br> additional conditions are met.<br> This loan failed the federal un-discounted rate validation test.<br> The loan charges a bona fide discount fee without any reduction of the interest rate from the un-discounted rate. The interest rate should be less than the un-discounted rate if a bona fide loan discount fee is charged.<br> This loan failed the un-discounted rate validation test.<br> The loan charges a bona fide discount fee without any reduction of the interest rate from the un- discounted rate. The interest rate should be less than the un- discounted rate if a bona fide loan discount fee is charged."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "1) The loan complianceEase failed due to below state regulations. :-<br> This loan failed the grace period test and the late fees test.<br> 2) This loan failed the federal un-discounted rate validation test.<br> 3) This loan failed the un-discounted rate validation test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the grace period test.<br> The loan has a grace period that does not conform to the requirements for the lender's license type in the state where the property is located.<br> According to the note Grace period (days) is 10 which is comparison with 15 days and variance is -5 days. <br> This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.<br> According to note, late charge percent is 5.00% which is comparison with 2.00% and variance is +3.00%."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial Escrow Acct Disclosure is missing from the loan file."<br> \* MI, FHA or MIC missing and required (Lvl 2) "As per appraisal report original LTV is 99.830%. To coverage the loan MI Certificate is required. however, MI Certificate is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service providers is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "Subject property is located at NY state.<br> Following required state disclosure is missing from the loan file. :-<br> 1) NY Consumer Credit Disclosure / Fair Credit Reporting Notice.<br> 2) NY Interest Rate Disclosure.<br> 3) NY Hazard Insurance Disclosure.<br> 4) Tax Escrow Account Designation.<br> 5) Co-Signer Notice Requirements.<br> 6) Default Warning Notice.<br> 7) Commitment Disclosure."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan file." |  | Moderate | Pass | Pass | No Result | Pass | Fail | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 12974330 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | ? | No | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 67.661% | 67.661% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | 2 Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 36.757% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.x | xxxxx.xx | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx<br> The chain of assignment has been completed as the current assignment is with xx<br> There is an active Judgment against the Popeck, Charles in the amount of $xxxx.xx in the favor of "xx" in the amount of $x,xxx.xx which was recorded on xx/xx/xxxx.<br> The xxxx year and xxxx year annual taxes are exempted. No prior year delinquent taxes are found. | Review of payment history shows that the borrower is not making the payment regularly. The borrower is delinquent for more than xxx days. The last payment was made on xx/xx/xxxx in the amount of $xxx.xx which was applied for xx/xx/xxxx. The next payment is due for xx/xx/xxxx. The current UPB is $xxx,xxx.xx.<br> UPB provided under latest pay history from seller include the deferred balance. | Collections Comments:The loan is currently in delinquency. The borrower xx filed the bankruptcy under chapter xx with case#xx on xx/xx/xxxx. As per chapter xx plan dated xx/xx/xxxx, the debtor shall pay $xxxx.xx per month to the chapter xx trustee, starting on xx/xx/xxxx for approximately xx months. The bankruptcy was dismissed on xx/xx/xxxx for other reason. As per collection comments, it seems that the foreclosure was initiated on loan. The loan was referred to attorney on xx/xx/xxxx.The sale was scheduled for xx/xx/xxxx. The sale was postponed due to active bankruptcy.<br> The borrower is not making the payments regularly. The borrower is delinquent for more than xxx days. The last payment was made on xx/xx/xxxx in the amount of $xxx.xx which was applied for xx/xx/xxxx. The next payment is due for xx/xx/xxxx.<br> The loan was modified with an effective date of xx/xx/xxxx and a new principal balance is xx to a step modification and the rate was starting from x% and borrower had given promise to pay P&I in the amount of $xxx.xx beginning on xx/xx/xxxx with a new maturity date of xx/xx/xxxx. The rate changes in x steps ending at x.xx%.<br> As per collection comments, the subject property is owner occupied with no visible damages and repairs.<br> Foreclosure Comments:As per collection comments, it seems that the foreclosure was initiated on loan. The loan was referred to attorney on xx/xx/xxxx.The sale was scheduled for xx/xx/xxxx. The sale was postponed due to active bankruptcy.<br> Bankruptcy Comments:The borrower xx filed the bankruptcy under chapter xx with case#xx on xx/xx/xxxx. As per chapter xx plan dated xx/xx/xxxx, the debtor shall pay $xxxx.xx per month to the chapter xx trustee, starting on xx/xx/xxxx for approximately xx months. The bankruptcy was dismissed on xx/xx/xxxx for other reason.<br> Scheduled D in voluntary Petition dated xx/xx/xxxx shows amount of claim without deducting value of collateral is $xxx,xxx.xx and value of collateral is $xxx,xxx.xx however unsecured portion remained as $xx,xxx.xx. Collection comment does not show any cram down.<br> The lender filed the POC on xx/xx/xxxx with POC amount of $xxx,xxx.xx and arrearage of $xxx,xxx.xx. | The loan was modified with an effective date of xx/xx/xxxx and a new principal balance is $xxx,xxx.xx to a step modification and the rate was starting from x% and borrower had given promise to pay P&I in the amount of $xxx.xx beginning on xx/xx/xxxx with a new maturity date of xx/xx/xxxx. The rate changes in x steps ending at x.xx%. | Affiliated Business Disclosure | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "ComplianceEase risk indicator is moderate as loan is failing for prohibited fees.<br> Mortgage Broker Fee (Direct) $3,835.00<br> Funding Fee $50.00"<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the xx or xx License prohibited fees test. (N.J.S.A. §17:11C-23, N.J.A.C. § §3:1-16.2) The loan does charge fee(s) not provided for in this act, which is prohibited. <br> Mortgage Broker Fee (Direct) $3,835.00<br> Funding Fee $50.00"<br> \* Missing Required Disclosures (Lvl 2) "List of service provider is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing from the loan file." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 49902257 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | ? | No | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Full Documentation | No | Unavailable | Unavailable | Unavailable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 39.726% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Review of the updated title report dated xx/xx/xxxx shows that the subject mortgage was originated xx. The chain of the assignment has not been completed, as currently, the mortgage is with xx. The current assignment should be with xx. No active judgments and liens have been found. Annual county taxes for the year xxxx have not been mentioned in the updated title. A tax certificate is required for current Tax status; however, the estimated taxes are due in the amount of $xxxx. No delinquent taxes have been found for the prior years. Parcel number on Assessor sheet is "xx" and property address is referred as xx, however, in the legal description it is xx. | Review of the payment history provided by Rushmore, from xx/xx/xxxx to xx/xx/xxxx reveals that borrower has been delinquent for more than xxx days and the next due date is xx/xx/xxxx. The last payment was received in the amount of $x,xxx.xx on xx/xx/xxxx which was applied for the due date xx/xx/xxxx. Current UPB has not been provided in the payment history and as per tape date, it is in the amount of $xx,xxx.xx. The current P&I is $xxx.xx and the current PITI is $x,xxx.xx. The borrower has been making the payments as per the Note. | Collections Comments:The review as per the servicing comments dated from xx/xx/xxxx to xx/xx/xxxx shows that the loan is in the active bankruptcy and the next due date is xx/xx/xxxx. The last payment was received in the amount of $x,xxx.xx on xx/xx/xxxx which was applied for the due date xx/xx/xxxx. Current UPB has not been provided in the payment history and as per tape date, it is in the amount of $xx,xxx.xx. The current P&I is $xxx.xx and the current PITI is $x,xxx.xx. The borrower has been making the payments as per the Note. The reason for default as per hardship letter is a curtailment of income and excessive obligations. No foreclosure activity has been found. The borrower has filed bankruptcy under the chapter xx with case#xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. As per the amended chapter xx plan filed on xx/xx/xxxx, the debtor (borrower) will pay to the U.S. Trustee the sum of $xxxx per month for a plan of xx months. The voluntary petition was filed on xx/xx/xxxx. POC was filed on xx/xx/xxxx for a secured claim amount of $xxx,xxx.xx with an arrearage of $xx,xxx.xx. The borrower wants to keep the property and willing to do some workout plan like modification or forbearance to make the loan current. The latest comment dated xx/xx/xxxx reflects that the subject property has been occupied by an unknown party. No damages or repairs have been observed. <br> Foreclosure Comments: Not Applicable<br> Bankruptcy Comments: The borrower has filed bankruptcy under the chapter xx with case#xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. As per the amended chapter xx plan filed on xx/xx/xxxx, the debtor (borrower) will pay to the U.S. Trustee the sum of $xxxx per month for a plan of xx months. Voluntary petition filed on xx/xx/xxxx. POC was filed on xx/xx/xxxx for a secured claim amount of $xxx,xxx.xx with arrearage of $xx,xxx.xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower has filed bankruptcy under the chapter xx with case#xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. As per the amended chapter xx plan filed on xx/xx/xxxx, the debtor (borrower) will pay to the U.S. Trustee the sum of $xxxx per month for a plan of xx months. Voluntary petition filed on xx/xx/xxxx. POC was filed on xx/xx/xxxx for a secured claim amount of $xxx,xxx.xx with arrearage of $xx,xxx.xx. | Not Applicable | Affiliated Business Disclosure<br> Mortgage Insurance | xx | 2: Acceptable with Warnings |  |  | \* MI, FHA or MIC missing and required (Lvl 2) "MI is missing from loan file."<br> \* Missing Required Disclosures (Lvl 2) "The list of service providers is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing from loan file." |  | Minimal | Pass | Pass | No Result | Not Covered | Not Covered | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 50969518 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | ? | No | xx | Not Applicable | ????.? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 89.000% | 89.000% | Full Documentation | No |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 26.082% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x.xxx% | xxx.x | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx. The chain of assignment has been completed. The last assignment was done xx which was recorded on xx/xx/xxxx. However, there is a break in two chain of assignments which was made between x. xx, x. xx. There is an active junior mortgage against the subject property which was originated xx. There is an active junior judgment against the borrower xx in the favor of xx for the amount of $xxx.xx which was recorded on xx/xx/xxxx. There is an active junior state tax lien against the borrower in the favor of xxDepartment of Taxation for the amount of $x,xxx.xx which was recorded on xx. The combined first installment taxes for the year xxxx have been paid in the amount of $x,xxx.xx and second installment were due in the amount of $x,xxx.xx. No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is delinquent for x months and the next due date was xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for the due date of xx/xx/xxxx. The tape data of payment history shows UPB in the amount of $xxx,xxx.xx. The loan has been modified thrice since origination. The borrower has been making payments as per the third loan modification which was made on xx/xx/xxxx. | Collections Comments:According to the servicing comments, the loan is in active bankruptcy and the next due date was xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for the due date of xx/xx/xxxx. The tape data of payment history shows UPB in the amount of $xxx,xxx.xx. The loan has been modified thrice since origination. The borrower has been making payments as per the third loan modification which was made on xx/xx/xxxx.<br> The loan has been modified thrice since origination. The first loan modification was made on xx/xx/xxxx (xx"), the second loan modification was made on xx/xx/xxxx (xx"). Currently, the borrower has been making payments as per the third loan modification which was made on xx/xx/xxxx between the borrower xx. According to the modification, the new principal balance is xx. The new principal balance shall be deferred in the amount of $xx,xxx.xx and the interest bearing amount will be $xxx,xxx.xx. The borrower promises to pay $xxx.xx with the rate of interest x.xxx% beginning from xx/xx/xxxx till the maturity xx/xx/xxxx. According to the servicing comments, the foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx with the case# xx. The service was completed on xx/xx/xxxx. The judgment hearing was set on xx/xx/xxxx and the foreclosure judgment was entered on xx/xx/xxxx. The servicing comment dated xx/xx/xxxx states that, the foreclosure sale was scheduled on xx/xx/xxxx.However, the foreclosure was put on hold due to the borrower had filed bankruptcy under chapter xx with the case#xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. The motion to excuse the debtors to Pay Mortgage Payment Outside of Plan (Doc#x) was filed on xx/xx/xxxx. The creditor xx had filed POC on xx/xx/xxxx with a secured claim amount of xx and arrearage of $xx,xxx.xx. According to the amended confirmation order which was filed on xx/xx/xxxx, the debtor shall pay to the trustee the amount of $x,xxx.xx monthly for xx months.<br> The borrower wants to keep the property. According to the inspection report dated xx/xx/xxxx located at "xx, the subject property was owner occupied and in good condition. No evidence of damage or repair has been found.<br> Foreclosure Comments:According to the servicing comments, the foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx with the case# xx. The service was completed on xx/xx/xxxx. The judgment hearing was set on xx/xx/xxxx and the foreclosure judgment was entered on xx/xx/xxxx. The servicing comment dated xx/xx/xxxx states that, the foreclosure sale was scheduled on xx/xx/xxxx.However, the foreclosure was put on hold due to the borrower had filed bankruptcy under chapter xx with the case#xx on xx/xx/xxxx. <br> Bankruptcy Comments:The borrower had filed bankruptcy under chapter xx with the case#xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. The motion to excuse the debtors to Pay Mortgage Payment Outside of Plan (Doc#x) was filed on xx/xx/xxxx. The creditor MTGLQ Investor, LP had filed POC on xx/xx/xxxx with a secured claim amount of $xxx,xxx.xx and arrearage of $xx,xxx.xx. According to the amended confirmation order which was filed on xx/xx/xxxx, the debtor shall pay to the trustee the amount of $x,xxx.xx monthly for xx months. | The loan has been modified thrice since origination. The first loan modification was made on xx/xx/xxxx (xx), the second loan modification was made on xx/xx/xxxx (xx). Currently, the borrower has been making payments as per the third loan modification which was made on xx/xx/xxxx between the borrower xx. According to the modification, the new principal balance is $xxx,xxx.xx. The new principal balance shall be deferred in the amount of $xx,xxx.xx and the interest bearing amount will be $xxx,xxx.xx. The borrower promises to pay $xxx.xx with the rate of interest x.xxx% beginning from xx/xx/xxxx till the maturity xx/xx/xxxx. | Credit Report<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Right of Rescission | xx | 2: Acceptable with Warnings |  |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure is missing from the loan file."<br> \* Missing credit report (Lvl 2) "Credit Report missing from loan file."<br> \* Missing Required Disclosures (Lvl 2) "The list of service provider document is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in Ohio State. The following required state disclosures are missing from the loan file.<br> 1.Equal Credit Availability Notice<br> 2.Insurance Tying Disclosure<br> 3.Non-Deposit Insurance Disclosure"<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:<br> Date:<br> Type:BPO | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 95809929 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | Second | xx | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | ? | No | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | Unavailable | Unavailable | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | Unavailable | Unavailable | Primary | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated xx.<br> The chain of assignment is incomplete as currently the mortgage is with xx.<br> There are active judgments and liens against subject borrower or property as follows:<br> x) There is a HOA lien open against the subject property in the amount of $xxx.xx held by xx recorded xx/xx/xxxx.<br> x) There is a mechanic's lien against the borrower xx in amount of $x,xxx.xx recorded on xx/xx/xxxx in favor of 'xx'.<br> x) There is civil a judgment against the borrower xx in amount of $xx,xxx.xx recorded on xx/xx/xxxx in favor of 'xx'.<br> x) There is civil judgment against the borrower xx in amount of $xx,xxx.xx recorded on xx/xx/xxxx in favor of 'xx'.<br> For year xxxx, combined taxes were paid in the amount of $xxxx.xx. | As per review of updated payment history as of xx/xx/xxxx, the subject loan is currently delinquent for x months and the next due for xx/xx/xxxx payment. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for due date of xx/xx/xxxx. UPB not provided in the payment history, hence taken as per tape date in the amount of $xx,xxx.xx. | Collections Comments:As per review of collection comments, the loan is in active bankruptcy.<br> The borrower 'xx' filed bankruptcy under the chapter xx with case # xx on xx/xx/xxxx. <br> As per Schedules filed on xx/xx/xxxx, schedule D shows the amount of secured claim without deducting the value of collateral xx and the value of collateral that supports this claim is $xx,xxx.xx. Hence, there is an unsecured portion of $xx,xxx.xx.<br> Chapter xx filed on xx/xx/xxxx, objection to the confirming plan on xx/xx/xxxx and it was terminated on xx/xx/xxxx. Amended chapter xx plan was filed on xx/xx/xxxx and got terminated on xx/xx/xxxx. POC filed on xx/xx/xxxx with secured amount $xxx,xxx.xx and arrearage in the amount of $xx,xxx.xx. As per latest amended plan which was filed on xx/xx/xxxx, the debtors shall pay $xxx.xx per month for xx months. This order was confirmed on xx/xx/xxxx. Latest TOC referred to attorney on xx/xx/xxxx however filed on xx/xx/xxxx. Currently, BK is in active status.<br> There is no FC activity noted on the loan.<br> The subject loan is currently delinquent for x months and the next due for xx/xx/xxxx payment. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for due date of xx/xx/xxxx. UPB not provided in the payment history, hence taken as per tape date in the amount of $xx,xxx.xx.<br> As per latest BPO dated xx/xx/xxxx, subject property is occupied by owner and the subject property is secure with no visible damage noted on the property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower 'xx' filed bankruptcy under the chapter xx with case # xx on xx/xx/xxxx. <br> As per Schedules filed on xx/xx/xxxx, schedule D shows the amount of secured claim without deducting the value of collateral xx and the value of collateral that supports this claim is $xx,xxx.xx. Hence, there is an unsecured portion of $xx,xxx.xx.<br> Chapter xx filed on xx/xx/xxxx, objection to the confirming plan on xx/xx/xxxx and it was terminated on xx/xx/xxxx. Amended chapter xx plan was filed on xx/xx/xxxx and got terminated on xx/xx/xxxx. POC filed on xx/xx/xxxx with secured amount $xxx,xxx.xx and arrearage in the amount of $xx,xxx.xx. As per latest amended plan which was filed on xx/xx/xxxx, the debtors shall pay $xxx.xx per month for xx months. This order was confirmed on xx/xx/xxxx. Latest TOC referred to attorney on xx/xx/xxxx however filed on xx/xx/xxxx. Currently, BK is in active status. | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Credit Report<br> Document Showing a Index Numerical Value<br> Final Truth in Lending Discl.<br> Loan Program Info Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 3: Curable |  | \* Not all borrowers signed HUD (Lvl 3) "Final HUD-1 is not signed by borrower." | \* Application Missing (Lvl 2) "Final application is missing from loan file."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "ComplianceEase Risk Indicator is 'Moderate'.<br> 1) This loan failed the TILA APR test. <br> 2) This loan failed the brokerage/finder fee test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "ComplianceEase State regulation test failed.<br> This loan failed the brokerage/finder fee test : Fail, Loan data $4,374.00, Comparison data $2,140.00, Variance +$2,234.00.<br> The mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "ComplianceEase TILA test failed.<br> This loan failed the TILA APR test. The annual percentage rate (APR) is 7.850%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "An appraisal report is missing from the loan file."<br> \* Missing credit report (Lvl 2) "Credit Report missing from loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service provider disclosure is missing from loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in TN state, however required state disclosure missing from loan file as follows.<br> 1. Placement of Insurance Disclosure.<br> 2. Availability of Title Insurance.<br> 3. TN Consent to Disclosure of Insurance Information.<br> 4. Choice of Agent/insurer.<br> 5. Insurance Solicitation/Post Commitment."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from loan file."<br> \* Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) "Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Required affiliated business disclosure is missing from loan file." |  | Moderate | Not Covered | Fail | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 15254522 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | Other |  | ? | ???? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | ? | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 100.000% | 100.000% | Full Documentation | Yes | xx | xx | 35.000% | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 64.883% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x% | xxxx.xx | xx/xx/xxxx | Financial Hardship | The review of the updated title report dated xx/xx/xxxx shows that the mortgage which was dated xx<br> There are active judgments and liens as follows:<br> x. Three Municipial Liens in the amount of $x,xxx.xx, $x,xxx.xx & $xxx.xx in the favor of xx which were recorded on xx/xx/xxxx, xx/xx/xxxx & xx/xx/xxxx respectively.<br> x. IRS lien in the amount of $xx,xxx.xx with xx which was recorded on xx/xx/xxxx.<br> x. Child Support Lien in the amount of $x,xxx.xx with Department of xx.<br> The taxes for the year xxxx are paid and no prior delinquent taxes found.<br>| Review of the payment history states that the borrower has been delinquent for more than xx months. The last payment was received in the amount of $x,xxx.xx which was applied to due date xx/xx/xxxx, and the next due date is xx/xx/xxxx. Current UPB reflects in the amount of $xxx,xxx.xx. | Collections Comments:The loan is delinquent xx months currently. Borrower filed bankruptcy chapter xx case#xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. <br> Foreclosure was initiated in the loan and was put on hold due to bankruptcy.<br> The last payment was received in the amount of $x,xxx.xx which was applied to due date xx/xx/xxxx, and the next due date is xx/xx/xxxx. Current UPB reflects in the amount of $xxx,xxx.xx.<br> The updated title report states that there are three municipal liens, one is lien and one child support lien. No prior delinquent taxes were found.<br> The occupancy is occupied by owner and no damages were reported as per the bpo summary.<br> Foreclosure Comments:Foreclosure was initiated in the loan and was put on hold due to bankruptcy. The complaint in mortgage foreclosure was filed on xx/xx/xxxx which states that the total balance as $xxx,xxx.xx.<br> No further information available.<br>Bankruptcy Comments:Borrower filed bankruptcy chapter xx case#xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. The voluntary petition filed on xx/xx/xxxx states that the secured claim is xx and the unsecured claim is $xx,xxx.xx. The POC filed on xx/xx/xxxx states that the POC amount is $xxx,xxx.xx and the amount of arrearage is $xx,xxx.xx. The Order filed on xx/xx/xxxx states that the Motion for Relief from Automatic Stay was granted. | Loan modification agreement made between the borrower xx and the lender xxon xx/xx/xxxx.<br> The new principal balance is $xxx,xxx.xx, the deferred amount is $xx,xxx.xx and the interest bearing amount is $xxx,xxx.xx. The new interest rate is x.xx%, P&I is $x,xxx.xx and the maturity date is xx/xx/xxxx. | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Missing Dicsloures<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* DTI > 60% (Lvl 2) "As per the final 1003, the income of the borrower is $4,150.99 and the total expenses are $2,693.28, therefore DTI >60%."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial Escrow Account disclosure is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Service Providers disclosure is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of Servicing Transfer is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business disclosure is missing from the loan file." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Not Covered | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 17109869 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.272% | 95.272% | Full Documentation | No | Unavailable | Unavailable | Unavailable |  |  | Not Applicable | PUD | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 38.418% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxx.x | xx/xx/xxxx | Financial Hardship | As per the review of updated title report dated xx/xx/xxxx, the subject mortgage was originated xx<br> The chain of the assignment has been Completed. The latest assignment is from xx<br> There is an IRS lien recorded on xx/xx/xxxx in the amount of $xx,xxx.xx in the favor of Internal Revenue Service.<br> There is an IRS lien recorded on xx/xx/xxxx in the amount of $xx,xxx.xx in the favor of Internal Revenue Service.<br> xxxx combined jurisdiction annual installment taxes were paid in the amount of $xxxx.xx on xx/xx/xxxx.<br> xxxx other jurisdiction annual installment taxes were paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is currently delinquent for xx months. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $xxx.xx and PITI is in the amount of $xxx.xx. The UPB reflected as per the payment history tape is in the amount of $xxx,xxx.xx. | Collections Comments:As per review of the servicing comments, currently, the loan is in an active bankruptcy and the borrower is currently delinquent for xx months. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $xxx.xx and PITI is in the amount of $xxx.xx. The UPB reflected as per the payment history tape is in the amount of $xxx,xxx.xx.<br> As per comment dated xx/xx/xxxx, the reason for default is curtailment of income.<br> The borrower has been making the payments as per the modification. The modification agreement is made on xx/xx/xxxx between the (Borrower) xxand (Lender) xx. The Unpaid principal Balance is $xxx,xxx.xx with interest rate x.xxx% which steps up in x steps ending at x.xxx%. The borrower promises to pay the monthly P&I of $xxx.xx beginning from xx/xx/xxxx. The maturity is dated xx/xx/xxxx.<br> The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx, the complaint had been filed on xx/xx/xxxx. The foreclosure was put on hold as the borrower had filed chapter xx bankruptcy on xx/xx/xxxx with case # xx.<br> The borrower had filed bankruptcy under chapter xx with case # xx on xx/xx/xxxx. The date of the last filing is xx/xx/xxxx. As per the amended chapter xx plan, the debtor shall pay to the trustee the sum of $x,xxx.xx from the xst month (Apr xxxx) to xth months (Aug xxxx) and $x,xxx.xx from xth months (Sep xxxx) to xxth months (Mar xxxx) total in the amount of $xxxxxx. As per the POC dated xx/xx/xxxx, the secured claim amount is $xxx,xxx.xx and the amount arrears is $xx,xxx.xx.<br> The servicing comment dated xx/xx/xxxx shows that the subject property has been occupied by the owner. The latest BPO is not available. Recent servicing comments do not reflect any damage pertaining to the subject property.<br> Foreclosure Comments:The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx, the complaint had been filed on xx/xx/xxxx. The foreclosure was put on hold as the borrower had filed chapter xx bankruptcy on xx/xx/xxxx with case # xx.<br> Bankruptcy Comments:The borrower had filed bankruptcy under chapter xx with case # xx on xx/xx/xxxx. The date of the last filing is xx/xx/xxxx. As per the amended chapter xx plan, the debtor shall pay to the trustee the sum of $x,xxx.xx from the xst month (Apr xxxx) to xth months (Aug xxxx) and $x,xxx.xx from xth months (Sep xxxx) to xxth months (Mar xxxx) total in the amount of $xxxxxx. As per the POC dated xx/xx/xxxx, the secured claim amount is $xxx,xxx.xx and the amount arrears is $xx,xxx.xx. | The modification agreement is made on xx/xx/xxxx between the (Borrower) xxand (Lender) xx.<br> The Unpaid principal Balance is $xxx,xxx.xx with interest rate x.xxx% which steps up in x steps ending at x.xxx%. The borrower promises to pay the monthly P&I of $xxx.xx beginning from xx/xx/xxxx. The maturity is dated xx/xx/xxxx. | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure<br> Missing Required Disclosures<br> Missing Required State Disclosures<br> Mortgage Insurance<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final Loan application is missing from the loan file; however, found initial application dated xx/xx/2002, and hence updating information as per the initial application. Located at (xx)."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "This loan failed the prepayment penalty term test.<br> The loan charges a prepayment penalty with a term exceeding 3 years.<br>This loan failed the prepayment penalty term test.<br> The loan is a primary residence loan that charges a prepayment penalty with a term exceeding 3 years."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "The initial Escrow account disclosure is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "The loan program disclosure is missing from the loan file."<br> \* MI, FHA or MIC missing and required (Lvl 2) "Mortgage Insurance Certificate is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "The list of service providers disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The required state disclosures are missing from the loan file. (TILA Disclosures in Spanish,Home Equity Consumer Disclosure, Home Equity Loan Interest and Fees Pre-closing Disclosure , Home Equity Loan Copies of Documents, Home Equity Loan Rescission Notice, Fair Market Value of Homestead Property Acknowledgment, Home Equity Loan Notice of Address for Borrower Notification of Violation, Choice of Insurance Notice, Collateral Protection Insurance Disclosure, Non-Deposit Investment Product Disclosure Are there any promotional materials?, Insurance Solicitation/Post Commitment Requirement, Construction Loan Disclosure)."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "The service transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "The Affiliated business form disclosure is missing from the loan file." |  | Elevated | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 35104782 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | Yes | Yes | Not Applicable | Other |  | ?.?? | ???? | ??/??/???? | Unavailable | No | Loss Mitigation | Chapter 11 | xx | ? | No | xx | Not Applicable | ???.?? | ?.???% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 30.959% | 30.959% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No |  | Not Applicable | 35.004% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx<br> Chain of assignment has been completed. Currently, the mortgage is with xx which was recorded on xx/xx/xxxx.<br> There are x civil judgments first in the favor of xx in the amount of $xxx,xxx.xx which was recorded on xx/xx/xxxx and another in the amount of $x,xxx,xxx.xx which was recorded on xx/xx/xxxx in the favor of xx.<br> There are x ECB liens in the favor of xx first in the amount of $xxx.xx which was recorded on xx/xx/xxxx, second in the amount of $xxx.xx which was recorded on xx/xx/xxxx and another in the amount of $xxx.xx which was recorded on xx/xx/xxxx.<br> The subject property is located in NY.<br> There is a possibility of foreclosure due to above unpaid ECB liens.<br> For parcel#xx<br> xxxx xst and xnd installment taxes have been due in the amount of $xxxx.xx and xxxx xrd and xth installment taxes have been due in the amount of $xxxx.xx.<br> xxxx xth installment taxes have been delinquent in the amount of $x.xx.<br> xxxx utility taxes have been due in the amount $xxxx.xx with due date xx/xx/xxxx.<br> For parcel#xx<br> xxxx xst and xnd installment taxes have been due in the amount of $xxx.xx and xxxx xrd and xth installment taxes have been due in the amount of $xxx.xx. | As per the review of the payment history, the borrower has been delinquent for xx months and next payment is due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount $x,xxx.xx which was applied for xx/xx/xxxx. The UPB as per tape is $xxx,xxx.xx. The current P&I is $xxx.xx and PITI is $x,xxx.xx.The borrower has been making his payments as per xxxx mod terms | Collections Comments:The loan is currently in active bankruptcy and next payment is due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount $x,xxx.xx which was applied for xx/xx/xxxx. As per the PACER report, the borrower has been Chapter xx under case #xx filed on xx/xx/xxxx and it was petition filed on xx/xx/xxxx. The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx and the complaint was filed on xx/xx/xxxx and the judgment was entered on xx/xx/xxxx. No further details have been found. The loan was modified and fcl was placed on hold. The rfd is unable to determine. The loan was modified once since origination and the borrower has been making his payments as per mod terms. The property is owner-occupied. No comments have been found stating damages and repairs to the subject property.<br> Foreclosure Comments:The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx and the complaint was filed on xx/xx/xxxx and the judgment was entered on xx/xx/xxxx. No further details have been found. The loan was modified and fcl was placed on hold. <br> Bankruptcy Comments:As per the PACER report, the borrower has been Chapter xx under case #xx filed on xx/xx/xxxx and it was petition filed on xx/xx/xxxx. There was a related BK filing under case #xx which was converted from Chap xx to Chap xx. The proof of Claim filed by Green Tree Servicing dated xx/xx/xxxx reflects a secured claim in the amount of xx with an arrearage of $xxx,xxx.xx. At the time of review, the borrower has completed all payment plans under the Chap xx. | This step modification agreement was signed between the borrower xx and the lender xx on xx/xx/xxxx.<br> The UPB is $xxx,xxx.xx. The borrower promises to pay P&I of $xxx.xx with the modified rate of x.xxx %, beginning from xx/xx/xxxx and the maturity is xx/xx/xxxx. | Affiliated Business Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "TILA Finance Charge Test: FAIL $51,420.50 $51,726.30 -$305.80.<br> TILA Foreclosure Rescission Finance Charge Test: FAIL $51,420.50 $51,726.30 -$305.80."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA finance charge test.<br> The finance charge is $51,726.30. The disclosed finance charge of $51,420.50 is not considered accurate because it is<br> understated by more than $100.<br> This loan failed the TILA foreclosure rescission finance charge test. <br> The finance charge is $51,726.30. The disclosed finance charge of $51,420.50 is not considered accurate for purposes of<br> rescission because it is understated by more than $35."<br> \* Missing Required Disclosures (Lvl 2) "List of service providers disclosures is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The following disclosures are missing from the loan file, NY Consumer Credit Disclosure / Fair Credit Reporting Notice, NY Interest Rate Disclosure, NY Hazard Insurance Disclosure, Tax Escrow Account Designation, Mortgage Bankers and Exempt Organizations Preapplication, Part 80 Disclosure, Alternative Mortgage Transaction Disclosures, Co-Signer Notice Requirements, Default Warning Notice, Smoke Alarm Affidavit, New York Real Property Escrow Account Disclosure, Subprime Home Loan Counseling Disclosure, Subprime Home Loan Tax and Insurance Payment Disclosure, Subprime Home Loan Disclosure, Commitment Disclosure, Lock-in Disclosure and Expiration of Lock-in or Commitment Period."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of Servicing disclosure is not provided"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing from the loan file." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 8753553 | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 80.000% | 80.000% | Full Documentation | No |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No |  |  | 45.729% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title Report dated xx/xx/xxxx shows the subject mortgage was originated xx<br> No active judgment or liens are found pending.<br> As per updated title report county taxes for the year of xxxx-xxxx, xst and xnd installment was paid in the total amount of $xxxx.xx. Also, county taxes for the year of xxxx-xxxx, xst and xnd installment was paid in the total amount of $xxxx.xx. No delinquent taxes have been found for the prior years. | As per the review of payment history, the borrower is delinquent more than xxx days. The last payment was received on xx/xx/xxxx in the amount $x,xxx.xx which was applied to xx/xx/xxxx. The next due date is xx/xx/xxxx. The payment was received as per modification agreement. The payment history does not shows current UPB. Hence, value is taken from tape data in the amount of $xxx,xxx.xx. | Collections Comments:Available servicing comments and documents in file reveal that foreclosure was initiated in loan by filing referral xx/xx/xxxx by attorney and foreclosure sale schedule is schedule. In between FC process was delayed due to loss mitigation efforts and loan was modified on xx/xx/xxxx. No further details are available.<br> As per the review of payment history, the borrower is delinquent more than xxx days. The last payment was received on xx/xx/xxxx in the amount $x,xxx.xx which was applied to xx/xx/xxxx. The next due date is xx/xx/xxxx. The payment was received as per modification agreement. The payment history does not shows current UPB. Hence, value is taken from tape data in the amount of $xxx,xxx.xx.<br> As per PACER, bankruptcy was not initiated on the loan.<br> The reason for default is divorce. <br> The subject property is owner occupied. No information has been found regarding any damage or repair.<br> Foreclosure Comments:Available servicing comments and documents in file reveal that foreclosure was initiated in loan by filing referral xx/xx/xxxx by attorney and foreclosure sale schedule is schedule. In between FC process was delayed due to loss mitigation efforts and loan was modified on xx/xx/xxxx. No further details are available.<br> Bankruptcy Comments:Not Applicable | This loan modification was done on xx/xx/xxxx between the xx (Borrower) & xx(Lender). The amortization type is fixed and new unpaid Principal balance is xx and modification original rate is x.xxx % and Monthly P&I is $xxx.xx. The modification payment start date is xx/xx/xxxx and new maturity date is xx/xx/xxxx.  | Missing Required State Disclosures<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* Missing Required Disclosures (Lvl 2) "List of service provider is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "Subject property is located at CA state.<br> Following state disclosure is missing from the loan file. :-<br> 1) Impound Account Disclosure.<br> 2) Cosigner Notice.<br> 3) Hazard Insurance Disclosure.<br> 4) Privacy Notice. <br> 5) Application for Credit-Married Persons"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing Transfer Disclosure is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 28815883 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | West Virginia | xx | xx | xx | West Virginia | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Unavailable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Full Documentation | No |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | Not Applicable | Not Applicable | 35.605% | First | Short Form Policy | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The Updated-title report dated xx/xx/xxxx shows the subject mortgage was originated on xx/xx/xxxx with (borrower) xx.<br> No judgments and liens have been found. <br> The xst and xnd installments of county taxes for the year xxxx are paid in the amount of $xxx.xx & $xxx.xx respectively.<br> No delinquent taxes found. | The review of the payment history shows that, the borrower is currently delinquent for more than xx months and the next due date is for xx/xx/xxxx. The last payment was received on xx/xx/xxxx, in the amount of $xxx.xx, which was applied for xx/xx/xxxx. <br> The UPB is not stated in the payment history, as per tape data it is $xxx,xxx.xx. The Current P&I is $xxx.xx and PITI is $xxx.xx, with the interest rate of x.xxx%. | Collections Comments:The review of comment history shows that, the loan is in active foreclosure. The borrower is currently delinquent for more than xx months. The reason for default is curtailment of income.<br> The foreclosure process was initiated and was referred to attorney on xx/xx/xxxx. <br> No evidence of bankruptcy has been found.<br> The collection comments dated xx/xx/xxxx shows that, the file was referred to litigation to proceed curatively to obtain a lien release due to a senior dot to xx The issue was got resolved.<br> The last payment was received on xx/xx/xxxx, in the amount of $xxx.xx, which was applied for xx/xx/xxxx. The UPB is not stated in the payment history, as per tape it is $xxx,xxx.xx. The Current P&I is $xxx.xx and PITI is $xxx.xx, with the interest rate of x.xxx%. <br> The property has been occupied by the owner itself.<br>Foreclosure Comments:The foreclosure process was initiated and was referred to attorney on xx/xx/xxxx. No further information is available from the comments and loan file.<br>Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 3: Curable |  | \* Not all borrowers signed HUD (Lvl 3) "Final HUD-1 not signed by borrower." | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "The CE result is Moderate because this loan failed the late fees test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "Late Fees Test: FAIL Loan Data 5.000% Comparison Data 1.806% and variance is +3.194%<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is<br> located."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "The Servicing Transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "The Affiliated Business Disclosure is missing from the loan file."<br> \* Settlement date is different from note date (Lvl 2) "The loan origination date is xx/xx/2007 as per Note. However as per the final HUD-1 it is xx/xx/2007." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 45315287 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Unavailable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 650 | Not Applicable | 48.146% | First | Final policy | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx. <br> The chain of assignment has been completed.<br> There is a junior mortgage originated on xx.<br> The xxxx year's Town annual installment taxes have been paid in the amount of $xxx.xx, for the due date xx/xx/xxxx.<br> The xxxx year's County annual installment taxes have been paid in the amount of $xxx.xx, for the due date xx/xx/xxxx.<br> The xxxx year's Other annual installment taxes have been paid in the amount of $xx.xx, for the due date xx/xx/xxxx.<br> The xxxx-xxxx year's School annual installment taxes have been paid in the amount of $x,xxx.xx, for the due date xx/xx/xxxx.<br>| According to the payment history as of xx/xx/xxxx, the borrower is currently delinquent for x months. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $xxx,xx and PITI is in the amount of $x,xxx.xx. The UPB reflected as per the payment history is in the amount of $xx,xxx.xx.A borrower making payment as per Note terms. | Collections Comments:The loan is currently in Foreclosure.The payment history as of xx/xx/xxxx, the borrower is currently delinquent for x months. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $xxx,xx and PITI is in the amount of $x,xxx.xx. The UPB reflected as per the payment history is in the amount of $xx,xxx.xx.A borrower making payment as per Note.This loan was not modified . The reason for default is unemployment and decreased income. The subject property has been occupied by the Owner. The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx.The complaint was filed on xx/xx/xxxx. No post close bankruptcy found as of xx/xx/xxxx.<br> Foreclosure Comments: The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx.The complaint was filed on xx/xx/xxxx.<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final application is not signed by the borrower."<br> \* Application Not Signed by All Borrowers (Lvl 2) "Final application is not signed by the borrower."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial Escrow Acct Disclosure is missing from the loan files."<br> \* Missing Required Disclosures (Lvl 2) "List of Services Providers is missing from the loan files."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Form is missing from the loan file." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Not Covered | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 5679034 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Unavailable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 28.955% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.x | Not Applicable | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | As per the review of updated title report dated xx.<br> The chain of assignment has been completed. <br> The latest assignment from xx which was recorded on xx/xx/xxxx.<br> There is one junior mortgage was originated on xx.<br> The xxxx year's Borough Annual taxes have been paid in the amount of $xxx.xx, for the due date xx/xx/xxxx.<br> The xxxx year's County Annual taxes have been paid in the amount of $xxx.xx, for the due date xx/xx/xxxx.<br> The xxxx year's School Annual taxes have been paid in the amount of $x,xxx.xx, for the due date xx/xx/xxxx.<br> No prior year delinquent taxes are found.<br>| As per the review of the payment history, the borrower is delinquent for xxx+ days and next due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx, in the amount of $xxx.xx, with rate of interest x.xxxx%, which was applied for xx/xx/xxxx. As per tape the UPB is in the amount of $xx,xxx.xx. The current P&I is $xxx.xx and PITI is $xxx.xx.The borrower is making payment as per the loan modification which was made on xx/xx/xxxx.<br>| Collections Comments:As per the review of servicing comments the loan is currently is in collections. The foreclosure was initiated and referred to attorney on xx/xx/xxxx. The borrower has complaint filed on xx/xx/xxxx. The foreclosure was put on hold due to loss mitigation. The loan is due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx, in the amount of $xxx.xx, with rate of interest x.xxxx%, which was applied for xx/xx/xxxx. As per tape the UPB is in the amount of $xx,xxx.xx. The current P&I is $xxx.xx and PITI is $xxx.xx.<br> The borrower is making payment as per the loan modification which was made on xx/xx/xxxx.<br> As per the servicing comments dated xx/xx/xxxx,the reason for default Unemployment.<br> But as per the review of servicing comments, the borrower wants to keep the property. However, as per the available records borrower is willing to pay the loan. <br>Foreclosure Comments:The foreclosure was initiated and referred to attorney on xx/xx/xxxx. The borrower has complaint filed on xx/xx/xxxx. The foreclosure was put on hold due to loss mitigation.<br>Bankruptcy Comments:Not Applicable | This modification agreement was made between the borrower xx, effective on xx/xx/xxxx. The reason for modification is a financial hardship. There is no any deferred balance and principal forgiven amount is given.<br> As per the modified terms, the new principal balance is $xx,xxx.xx. First Payment had begun on xx/xx/xxxx and borrower promises to pay $xxx.xx, monthly with a modified interest rate of x.xxxx %, with a maturity date will be xx/xx/xxxx.<br> The prior modification agreement was made on xx/xx/xxxx. |  | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "The complienceEase test failed for the interest rate test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "Interest Rate Test: Loan Data: 9.125% Comparison Data: 7.500% Variance:+1.625%"<br> \* Missing Required Disclosures (Lvl 2) "The list of service providers is missing from the loan file." |  | Moderate | Not Covered | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 94543895 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oklahoma | xx | xx | xx | Oklahoma | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ??? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | No |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 31.352% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | Not Applicable | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx.<br> There is two junior active civil judgment found against the borrower.<br> First, in favor xx recorded on xx/xx/xxxx in the amount of $x,xxx.xx.<br> Second, in favor of xx recorded on xx/xx/xxxx in the amount of $x,xxx.xx.<br> There is one state tax lien found against the borrower in favor of xx on xx/xx/xxxx in the amount of $xx,xxx.xx.<br> xxxx annual taxes are paid in the amount of $xxx.xx. No prior delinquency taxes are found.<br>| As per the review of payment history, the borrower is xxx+ day delinquent. The last payment was received on xx/xx/xxxx which was applied to xx/xx/xxxx payment in the amount $x,xxx.xx. The next due date is xx/xx/xxxx. The payment was received as per modification agreement. As per payment history current UPB is $xx,xxx.xx. | Collections Comments:Loan is currently in active Bankruptcy, Borrower has filed bankruptcy under Chapter xx, case # xx on xx/xx/xxxx and plan was confirmed on xx/xx/xxxx. <br> As per chapter xx plan debtor shall pay to the trustee in the amount of $xxx.xx per months for the xx months.<br> Available servicing comment and documents in file reveals foreclosure was initialed in loan by filing compliant xx/xx/xxxx by attorney. The lis pendens filed on xx/xx/xxxx . The prior sale date is xx/xx/xxxx. In between FC process delayed due to loss mitigation efforts and prior bankruptcy filings. Due to filing of bankruptcy by borrower on xx/xx/xxxx FC process currently went on hold. No further details available.<br> As per the review of payment history, the borrower is xxx+ day delinquent. The last payment was received on xx/xx/xxxx which was applied to xx/xx/xxxx payment in the amount $x,xxx.xx. The next due date is xx/xx/xxxx. The payment was received as per modification agreement. As per payment history current UPB is $xx,xxx.xx.<br> As per servicing comment reason for default is death of family member.<br> As per servicing comment subject property occupied by owner.<br> Foreclosure Comments:Available servicing comment and documents in file reveals foreclosure was initialed in loan by filing compliant xx/xx/xxxx by attorney. The lis pendens filed on xx/xx/xxxx . The prior sale date is xx/xx/xxxx. In between FC process delayed due to loss mitigation efforts and prior bankruptcy filings. Due to filing of bankruptcy by borrower on xx/xx/xxxx FC process currently went on hold. No further details available.<br> Bankruptcy Comments:Borrower has filed bankruptcy under Chapter xx, case #xx on xx/xx/xxxx and plan was confirmed on xx/xx/xxxx. <br> As per chapter xx plan debtor shall pay to the trustee in the amount of $xxx.xx per months for the xx months. | This loan modification was done on xx/xx/xxxx between the borrower xx and (Lender). The amortization type is fixed and new unpaid Principal balance is $xx,xxx.xx<br> and modification original rate is x.xxx % and Monthly P&I is $xxx.xx. The modification payment start date is xx/xx/xxxx and new maturity date is xx/xx/xxxx | Credit Report<br> HUD-x Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 is missing from the loan file however, estimated HUD-1 is available in the loan file with settlement date xx/xx/2007. Doc xx" | \* Final TIL Date after actual transaction date (Lvl 2) "As per Final TIL date is xx/xx/2007 however, as per estimated HUD-1 settlement date is xx/xx/2007 which is difference from final TIL date."<br> \* Missing credit report (Lvl 2) "credit report missing in loan file."<br> \* Settlement date is different from note date (Lvl 2) "As per note, loan origination date is xx/xx/2007 however, as per the estimated HUD-1 date is xx/xx/2007 which is different from the note date." |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 6067696 | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 11 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | xxxxx | x.xx% | xxx.xx | xx/xx/xxxx | Financial Hardship | The updated title report dated xx. <br> The chain of the assignment is complete. The current assignee is xx pass-through trust X which was recorded on xx/xx/xxxx.<br> There are two civil judgments against borrower xx in the cumulative amount of $xx,xxx which was recorded on xx/xx/xxxx.<br> xxxx combined jurisdiction annual installment has been paid in the amount of $xxxx.xx on xx/xx/xxxx.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is currently delinquent for xx months. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $xxx.xx and PITI is in the amount of $xxx.xx. The UPB reflected as per the payment history is in the amount of $xx,xxx.xx. | Collections Comments:As per the review of the servicing comments, currently, the loan is in an active bankruptcy and the borrower is currently delinquent for xx months. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $xxx.xx and PITI is in the amount of $xxx.xx. The UPB reflected as per the payment history is in the amount of $xx,xxx.xx. <br> The reason for default is unable to determine from collection comments.<br> The borrower has been making the payments as per the modification. The modification agreement was made between the borrower xx and lender on xx/xx/xxxx.<br> The new principal balance is in the amount of $xx,xxx.xx, the interest-bearing amount is $xx,xxx.xx with the deferred balance of $xx,xxx.<br> The borrower promises to pay the monthly P&I in the amount of $xxx.xx beginning from xx/xx/xxxx with the interest rate of x.xxx% and the maturity date is xx/xx/xxxx. There is no provision for the balloon payment.<br> The borrower had filed bankruptcy under chapter xx with the case #xx on xx/xx/xxxx. The plan has converted into chapter xx on xx/xx/xxxx. The plan has not been confirmed. The date of the last filing is xx/xx/xxxx. As per the chapter xx plan, the debtor supposed to pay the trustee monthly amount of $xx,xxx.xx for xx months. The POC was filed on xx/xx/xxxx, the amount of claim is $xx,xxx.xx and the arrearage in the amount of $x,xxx.xx.<br> As per the latest BPO report dated xx/xx/xxxx, the subject property has been occupied by the owner and is in an average condition. The listed price is quoted in the amount of $xxx,xxx. Recent servicing comments do not reflect any damage pertaining to the subject property.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower had filed bankruptcy under chapter xx with the case #xx on xx/xx/xxxx. The plan has converted into chapter xx on xx/xx/xxxx. The plan has not been confirmed. The date of the last filing is xx/xx/xxxx. As per the chapter xx plan, the debtor supposed to pay the trustee monthly amount of $xx,xxx.xx for xx months. The POC was filed on xx/xx/xxxx, the amount of claim is $xx,xxx.xx and the arrearage in the amount of $x,xxx.xx. | The modification agreement was made between the borrower xx and the lender xx on xx/xx/xxxx. The new principal balance is in the amount of $xx,xxx.xx, the interest-bearing amount is $xx,xxx.xx with the deferred balance of $xx,xxx. The borrower promises to pay the monthly P&I in the amount of $xxx.xx beginning from xx/xx/xxxx with the interest rate of x.xxx% and the maturity date is xx/xx/xxxx. There is no provision for the balloon payment. | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Application is missing in the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service providers disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in Florida, however, the following disclosures are missing from the loan file.<br> Anti-Coercion Notice<br> Radon Gas Disclosure<br> Insurance Sales Disclosure"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 48017955 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | Other | xx | ? | ????.?? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 77.557% | 77.557% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | No | No | Not Applicable | Not Applicable | 41.948% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx.<br>The chain of assignment has not been completed. The current assignment was done from xx. The last assignment should be with xx. The provided assignment with the instrument #xx has the wrong reference to the subject mortgage. This assignment was not for a subject mortgage.<br> There are five HOA liens against the subject property for the total amount of $xxxxx.xx in the favor of xx which was recorded on different dates.<br> The School and County annual taxes for the year xxxx have been paid in the total amount of $xxxx.xx.<br> No prior year delinquent tax has been found. | According to the payment history as of xx/xx/xxxx, the borrower is delinquent for xx months and the next due date was xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx which was applied for the due date of xx/xx/xxxx. The current P&I is $xxx.xx and PITI is $xxxx.xx. The UPB reflected is reflected is in the amount of $xx,xxx.xx.<br> The borrower has been making the payments as per the original note terms. | Collections Comments:According to the servicing comment, the loan is in active collections and the next due date was xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for the due date of xx/xx/xxxx. The UPB reflected is $xx,xxx.xx.<br> The borrower has been making the payments as per the original note terms.<br> The comment dated xx/xx/xxxx, the modification was denied as the borrower did not return the final modification documents on time. The independent modification review was completed and awaiting for missing documents.<br> According to the servicing comment, the foreclosure was initiated in xxxx. The file was referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx. However, the foreclosure was put on hold as xx(borrower) had filed bankruptcy under chapter xx with the case#xx on xx/xx/xxxx. The debtor filed amended chapter xx plan on xx/xx/xxxx which was confirmed on xx/xx/xxxx. According to the plan, the debtor shall pay $x,xxx.xx for xx months for the total amount of $xxx,xxx.xx. The debtor may surrender the collateral to a secured creditor after confirmation of the plan by filing a motion pursuant to Fed. R. Bankr. P. xxxx for an agreed order providing for surrender of collateral and termination of the automatic stay. The creditor xx had filed POC on xx/xx/xxxx with a secured claim amount of $xxx,xxx.xx and arrearage of $xx,xxx.xx. As per the trustee's final report which was filed on xx/xx/xxxx (Doc#xxx), the debtor had paid the amount of arrearage of $xx,xxx.xx. Also, the ongoing mortgage is paid in the principal amount of $xx,xxx.xx. The trustee's motion to dismiss the case was filed on xx/xx/xxxx (Doc#xx) which was granted on xx/xx/xxxx. The case was dismissed for other reason on xx/xx/xxxx and terminated on xx/xx/xxxx.<br> According to the comment dated xx/xx/xxxx, the subject property had been damaged due to disaster. There was a hazard loss due to hurricane Harvey. The roof of the subject property has leaks everywhere and the structure may be damaged. Walls of the home outside are damaged as well. Sheet rocks has been removed from inside. The comment dated xx/xx/xxxx states that the approval is given to release the first draw of $xxxx based on the contractor's request. The loss draft of $xxxx with check#xx was issued on xx/xx/xxxx from SMBR. As per comment dated xx/xx/xxxx, the final draw check#xx was ordered in the amount of $xx,xxx.xx. There are no comments regarding repairs has been found. Hence, unable to determine whether the damage has been repaired or not. Latest exterior BPO report dated xx/xx/xxxx does not reflect any damage to the subject property.<br> Foreclosure Comments:According to the servicing comment, the foreclosure was initiated in xxxx. The file was referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx. However, the foreclosure was put on hold as xx (borrower) had filed bankruptcy under chapter xx with the case#xxon xx/xx/xxxx. No further details are available. <br> Bankruptcy Comments:xx (borrower) had filed bankruptcy under chapter xx with the case#xx on xx/xx/xxxx. The debtor filed amended chapter xx plan on xx/xx/xxxx which was confirmed on xx/xx/xxxx. According to the plan, the debtor shall pay $x,xxx.xx for xx months for the total amount of $xxx,xxx.xx. The creditor xx had filed POC on xx/xx/xxxx with a secured claim amount of $xxx,xxx.xx and arrearage of $xx,xxx.xx. As per the trustee's final report which was filed on xx/xx/xxxx (Doc#xxx), the debtor had paid the amount of arrearage of $xx,xxx.xx. Also, the ongoing mortgage is paid in the principal amount of $xx,xxx.xx. The trustee's motion to dismiss the case was filed on xx/xx/xxxx (Doc#xx) which was granted on xx/xx/xxxx. The case was dismissed for other reason on xx/xx/xxxx and terminated on xx/xx/xxxx. | Not Applicable | Affiliated Business Disclosure<br> Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* Missing Required State Disclosures (Lvl 2) "The property is located in state of Texas. The following required State Disclosure is missing from the loan file.<br> 1.TX Loan Agreement Notice<br> 2.Commitment Requirement/Anti-Tying<br> 3.TILA Disclosures in Spanish<br> 4.Home Equity Consumer Disclosure<br> 5.Home Equity Loan Interest and Fees Preclosing Disclosure <br> 6.Home Equity Loan Copies of Documents<br> 7.Home Equity Loan Rescission Notice<br> 8.Fair Market Value of Homestead Property Acknowledgment("xx")<br> 9.Home Equity Loan Notice of Address for Borrower Notification of Violation<br> 10.Choice of Insurance Notice<br> 11.Collateral Protection Insurance Disclosure ("xx")<br> 12.Non-Deposit Investment Product Disclosure <br> 13.Insurance Solicitation/Post Commitment Requirement"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "The required affiliated business disclosure is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 41592505 | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ?????.?? | Unavailable | Unavailable | Yes | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | FHA | ARM |  | Purchase | 100.000% | 100.000% | Unavailable | Yes | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx.<br> The chain of assignments has not been completed.<br> The current assignment was done from xx which was recorded on xx/xx/xxxx. However, the last assignment should be with xx.<br> There is an active junior judgment against the borrower xx which was recorded on xx/xx/xxxx for the amount of $x,xxx.xx.<br> The combined first installment taxes for the year xxxx have been paid in the amount of $x,xxx.xx.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is currently delinquent for xx months and the next due date was xx/xx/xxxx. The last payment was received in the amount of $xxx.xx which was applied for the due date of xx/xx/xxxx. The UPB reflected in the amount of $xxx,xxx.xx.<br> The loan has been modified twice since origination. <br> The borrower has been making the payments as per the second loan modification which was made on xx/xx/xxxx. | Collections Comments:According to the servicing comment, the loan is in active foreclosure and the next due date was xx/xx/xxxx. The last payment was received in the amount of $xxx.xx which was applied for the due date of xx/xx/xxxx. The UPB reflected in the amount of $xxx,xxx.xx.<br> The loan has been modified twice since origination. <br> The first loan modification was made on xx/xx/xxxx located at "xx". The borrower has been making the payments as per the second loan modification which was made on xx/xx/xxxx between the borrower xx and the lender xx. As per the modified terms, the new principal balance is $xxx,xxx.xx. The borrower promises to pay $xxx.xx with the rate of interest x% beginning from xx/xx/xxxx. The new maturity date is xx/xx/xxxx. The modification further amortized into x steps.<br> xx (borrower) had filed bankruptcy under chapter xx with the case#xx on xx/xx/xxxx. Unable to determine the further details from PACER report. However, the case was terminated on xx/xx/xxxx.<br> As per the notice of lis pendence, the complaint was filed on xx/xx/xxxx with the case#xx. The amended complaint was filed on xx/xx/xxxx. The further details are not found. However, the file was put on hold for loss mitigation. The foreclosure was re-initiated in xxxx. The complaint was filed on xx/xx/xxxx with the case#xx. However, the foreclosure was initiated in xxxx. The comment dated xx/xx/xxxx, the foreclosure was contested. However, unable to determine the reason of contested. The complaint was filed on xx/xx/xxxx. The further details are not found.<br> According to the BPO report dated xx/xx/xxxx, the subject property was owner occupied and in average condition.<br> There are no damages or repairs have been found.<br> Foreclosure Comments:As per the notice of lis pendence, the complaint was filed on xx/xx/xxxx with the case#xx. The amended complaint was filed on xx/xx/xxxx. The further details are not found. However, the file was put on hold for loss mitigation. The foreclosure was re-initiated in xxxx. The complaint was filed on xx/xx/xxxx with the case#xx. However, the foreclosure was initiated in xxxx. The comment dated xx/xx/xxxx, the foreclosure was contested. However, unable to determine the reason of contested. The complaint was filed on xx/xx/xxxx. The further details are not found.<br> Bankruptcy Comments:xx (borrower) had filed bankruptcy under chapter xx with the case#xx on xx/xx/xxxx. Unable to determine the further details from PACER report. However, the case was terminated on xx/xx/xxxx. | The first loan modification was made on xx/xx/xxxx located at "xx". The borrower has been making the payments as per the second loan modification which was made on xx/xx/xxxx between the borrower xx and the lender xx. As per the modified terms, the new principal balance is $xxx,xxx.xx. The borrower promises to pay $xxx.xx with the rate of interest x% beginning from xx/xx/xxxx. The new maturity date is xx/xx/xxxx. The modification further amortized into x steps. | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Loan Program Info Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 along with estimated HUD and itemization is missing from the loan file." | \* Application Missing (Lvl 2) "Final application is missing from the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "An appraisal report is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "The list of service provider document is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in New York State. The following state disclosures are missing from the loan file.<br> 1.NY Consumer Credit Disclosure / Fair Credit Reporting Notice<br> 2.NY Interest Rate Disclosure<br> 3.NY Hazard Insurance Disclosure<br> 4.Tax Escrow Account Designation<br> 5.Mortgage Bankers and Exempt Organizations Preapplication<br> 6.Part 80 Disclosure<br> 7.Alternative Mortgage Transaction Disclosures<br> 8.Co-Signer Notice Requirements<br> 9.Default Warning Notice<br> 10.Smoke Alarm Affidavit<br> 11.New York Real Property Escrow Account Disclosure<br> 12.Subprime Home Loan Counseling Disclosure<br> 13.Subprime Home Loan Tax and Insurance Payment Disclosure<br> 14.Subprime Home Loan Disclosure<br> 15.Commitment Disclosure<br> 16.Lock-in Disclosure<br> 17.Expiration of Lock-in or Commitment Period"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of Servicing Transfer Disclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2) "Unable to determine an operative index value as supportive documents are missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Disclosure is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 96224972 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 100.000% | 100.000% | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx.<br> The chain of assignment has not been completed. The latest assignment is from, xx.<br> No active judgments or liens have been found against the borrower. <br> xxxx county jurisdiction annual installment tax has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> xxxx School jurisdiction annual installment tax has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> xxxx utility jurisdiction annual installment tax has been paid in the amount of $xxx.xx on xx/xx/xxxx.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is currently delinquent for xx months. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $x,xxx.xx and PITI is in the amount of $x,xxx.xx. The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx. <br>| Collections Comments:As per the review of the servicing comments, currently, the loan is in the collection and the borrower is currently delinquent for xx months. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $x,xxx.xx and PITI is in the amount of $x,xxx.xx. The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx. <br> As per the comment dated xx/xx/xxxx, the reason for default is a loss of income. The loan has never been modified since origination. The borrower has been making the payments as per the note.<br> The borrower had filed bankruptcy under Chapter xx with the Case # xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx and the plan was dismissed on xx/xx/xxxx. The POC was filed by the creditor on xx/xx/xxxx for the amount of $xxx,xxx.xx and the arrearage amount is $xxx,xxx.xx. As per the chapter xx plan, the debtor shall pay to the trustee the sum of $xxxx per month for xx months.<br> As per the document located at xx, the foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx and the complaint was filed on xx/xx/xxxx. As per comment dated xx/xx/xxxx, the sale has been scheduled on xx/xx/xxxx. However, the foreclosure was put on hold as the borrower had filed bankruptcy under Chapter xx with the Case # xx on xx/xx/xxxx.<br> As per the latest BPO report dated xx/xx/xxxx, the subject property has been occupied by the owner and is in an average condition. Recent servicing comments do not reflect any damage pertaining to the subject property.<br> Foreclosure Comments:As per the document located at xx the foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx and the complaint was filed on xx/xx/xxxx. As per comment dated xx/xx/xxxx, the sale has been scheduled on xx/xx/xxxx. However, the foreclosure was put on hold as the borrower had filed bankruptcy under Chapter xx with the Case # xx on xx/xx/xxxx.<br> Bankruptcy Comments:The borrower had filed bankruptcy under Chapter xx with the Case # xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx and the plan was dismissed on xx/xx/xxxx. The POC was filed by the creditor on xx/xx/xxxx for the amount of $xxx,xxx.xx and the arrearage amount is $xxx,xxx.xx. As per the chapter xx plan, the debtor shall pay to the trustee the sum of $xxxx per month for xx months. | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Credit Report<br> Final Truth in Lending Discl.<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 3: Curable |  | \* Not all borrowers signed HUD (Lvl 3) "Final HUD-1 is not signed by the borrower." | \* Application Missing (Lvl 2) "Final Application is missing from the loan file along with transmittal summary report."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "TILA APR Test:Result: FAIL ;Loan Data: 0.000%; Comparison Data:9.525% ; Variance:-9.525%."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "TILA APR Test:Result: FAIL ;Loan Data: 0.000%; Comparison Data:9.525% ; Variance:-9.525%.<br> This loan failed the TILA APR test. The annual percentage rate (APR) is 9.525%. The disclosed APR of 0.000% is not considered accurate because it is more than<br> 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file ."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file."<br> \* Missing credit report (Lvl 2) "Credit report is missing from loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Service Provider is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in TX state. The following state disclosure are missing from the loan file.<br> ·TX Loan Agreement Notice<br> ·Commitment Requirement/Anti-Tying<br> ·TILA Disclosures in Spanish<br> ·Home Equity Consumer Disclosure<br> ·Home Equity Loan Interest and Fees Preclosing Disclosure <br> ·Home Equity Loan Copies of Documents<br> ·Home Equity Loan Rescission Notice<br> ·Fair Market Value of Homestead Property Acknowledgment<br> ·Home Equity Loan Notice of Address for Borrower Notification of Violation<br> ·Choice of Insurance Notice<br> ·Collateral Protection Insurance Disclosure<br> ·Non-Deposit Investment Product Disclosure Are there any promotional materials?<br> ·Insurance Solicitation/Post Commitment Requirement<br> ·Construction Loan Disclosure"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer Disclosure Document is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Form is missing from the loan file." |  | Moderate | Not Covered | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 94064216 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arkansas | xx | xx | xx | Arkansas | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.?% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 85.000% | 85.000% | Unavailable |  |  |  |  | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | Yes | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | xxxxx.xx | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | The review of the updated title report dated xx.<br> The chain of assignment has not been completed. The latest assignment is with xx.<br> No active judgments or liens have been found.<br> The Combined xnd installment taxes of xxxx have been paid on xx/xx/xxxx in the amount of $xxx.xx.<br> No prior years delinquent taxes have been found. | According to the latest payment history as of xx/xx/xxxx, the borrower is currently delinquent for x months and the next due date for the payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied for xx/xx/xxxx. The current UPB reflected as per the payment history is in the amount of $xx,xxx.xx. The borrower has been making the payments as per the modification agreement dated xx/xx/xxxx. | Collections Comments:According to the servicing comments, the loan is in the bankruptcy and the next due date for the payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied for xx/xx/xxxx. The current UPB reflected as per the payment history is in the amount of $xx,xxx.xx. The borrower has been making the payments as per the modification agreement dated xx/xx/xxxx.<br> Reason for default is unemployment/decreased income as per the comments.<br> The loan had been modified on xx/xx/xxxx. The unpaid principal balance is $xx,xxx.xx with interest rate x.xx% which steps up in xxsteps ending at x.xxx%. The borrower promises to pay the monthly P&I of $xxx.xx beginning from xx/xx/xxxx. The maturity date will be on xx/xx/xxxx.<br> No evidence has been found in the latest xx months' servicing comments regarding the foreclosure.<br> The review of the bankruptcy shows that the borrower had filed the bankruptcy under chapter xx with case#xx on xx/xx/xxxx. The POC was filed on xx/xx/xxxx with the secured claim amount of $xx,xxx.xx and the arrearage amount of was $xx,xx.xx. According to the chapter xx plan, the debtor shall pay to the trustee the sum of $x,xxx.xx per month for a period of xx months. The date of last filing bankruptcy was xx/xx/xxxx.<br> The comment dated xx/xx/xxxx, the subject property is Owner occupied.<br> According to the BPO report dated xx/xx/xxxx located at (xxxxxx), the subject property is owner-occupied and is in average condition. The "As is Price" price is $xxx,xxx.xx. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The review of the bankruptcy shows that the borrower had filed the bankruptcy under chapter xx with case#xx on xx/xx/xxxx. The POC was filed on xx/xx/xxxx with the secured claim amount of $xx,xxx.xx and the arrearage amount of was $xx,xx.xx. According to the chapter xx plan, the debtor shall pay to the trustee the sum of $x,xxx.xx per month for a period of xx months. The date of last filing bankruptcy was xx/xx/xxxx. Plan was confirmed on xx/xx/xx. | This Step modification agreement was signed between the borrower xx and the lender xx on xx/xx/xxxx.<br> The unpaid principal balance is $xx,xxx.xx with interest rate x.xx% which steps up in xxsteps ending at x.xxx%. The borrower promises to pay the monthly P&I of $xxx.xx beginning from xx/xx/xxxx. The maturity date will be on xx/xx/xxxx. | Affiliated Business Disclosure<br> Credit Application<br> Credit Report<br> Final Truth in Lending Discl.<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 3: Curable |  | \* Not all borrowers signed HUD (Lvl 3) "Final HUD-1 is not signed by all borrowers." | \* Application Missing (Lvl 2) "Final 1003 application along with transmittal is missing from the loan file."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed the TILA APR test.<br> This loan failed the interest rate test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "Interest Rate Test: FAIL; Loan Data: 9.995%; Comparison Data: 7.000% and Variance: +2.995%.<br> This loan failed the interest rate test.<br> The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the<br> property is located."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "TILA APR Test: FAIL; Loan Data: 0.000%; Comparison Data: 9.995%; Variance: -9.995%.<br> This loan failed the TILA APR test. <br> The annual percentage rate (APR) is 9.995%. The disclosed APR of 0.000% is not considered accurate because it is more than<br> 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow acct. disclosure is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan Program disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report along with 1008 is missing from the loan file."<br> \* Missing credit report (Lvl 2) "Credit report is missing from loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Services Providers is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located at xx State. The following state disclosure is missing from the loan file:<br> 1. Choice of Insurance Disclosure."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer Disclosure Document is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2) "Unable to determine the operative index value since the supportive documents are missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Form is missing from the loan file." |  | Moderate | Not Covered | Fail | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 53208210 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ??.??% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 80.000% | 80.000% | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx.<br> There are three IRS/Federal Tax liens against the borrower in the combined amount of $xxxxxx.xx held by "xx" which was recorded on xx/xx/xxxx, xx/xx/xxxx and xx/xx/xxxx respectively. <br> The property taxes of the year xxxx are paid in the amount of $x,xxx.xx and the taxes of the year xxxx are due for the due date xx/xx/xxxx. Prior years taxes are not delinquent. | According to the review of latest payment history dated xx/xx/xxxx, the borrower has been delinquent from xx/xx/xxxx to xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date xx/xx/xxxx. The current unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx and current interest rate is x.xxx. The borrower is paying according to the loan modification agreement dated xx/xx/xxxx. | Collections Comments:According to the latest collection comments dated xx/xx/xxxx, the borrower has been delinquent from xx/xx/xxxx to xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date xx/xx/xxxx. The current unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx and current interest rate is x.xxx. The borrower is paying according to the loan modification agreement dated xx/xx/xxxx.<br> Currently the loan is not in active foreclosure.<br> The bankruptcy was not filed by the borrower.<br> According to the collection comment dated xx/xx/xxxx, the customer reported disaster impact and shows the property has damaged due to hurricane. According to the collection comment dated xx/xx/xxxx, the damaged property referral received. Also the collection comment dated xx/xx/xxxx shows, the property has a problem occurred due to Houston hurricane. However; the latest BPO report dated xx/xx/xxxx, located at "xx" shows, the subject property is occupied and is in good condition.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan Modification agreement made on xx/xx/xxxx between "xx" ("Borrower") and "xx." ("Lender"). The new modified unpaid principal balance is $xxx,xxx.xx. <br> The new modified P&I is $x,xxx.xx and new interest rate is x.xxx%. The first payment begun on xx/xx/xxxx and xx/xx/xxxx will be the new maturity date. <br> Prior to this the loan was modified on xx/xx/xxxx. | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD 1 is missing from the loan file. Also, neither Estimated HUD-1 nor itemization is available." | \* Application Missing (Lvl 2) "The final application is missing from the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2) "The final TIL is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial Escrow account disclosure is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "The loan program disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service providers is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located at "Texas" state and following disclosures are required which are missing from the loan file.<br> 1) TX Loan Agreement Notice.<br> 2) Commitment Requirement/Anti-Tying.<br> 3) Choice of Insurance Notice.<br> 4) Collateral Protection Insurance Disclosure.<br> 5) Non-Deposit Investment Product Disclosure Are there any promotional materials?.<br> 6) Insurance Solicitation/Post Commitment Requirement."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 91189554 | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | Yes | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Unavailable | No | Other | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | 79.778% | 79.778% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | No | Not Applicable | Not Applicable | 39.668% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | Updated title report as of xx. There is a civil judgment in the amount of $x,xxx.xx which was recorded on xx/xx/xxxx in the favor of xx. <br> The annual combined taxes are | Review of updated payment history shows that the loan is in delinquency for more than xxx days. The borrower is not making his monthly payments. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx with interest rate of x.xx% for the due date of xx/xx/xxxx. The next due date is xx/xx/xxxx. The latest payment history shows the UPB in the amount of $xxx,xxx.xx. Borrower is making the payments according to the disclosure statement along with mod dated on xx/xx/xxxx available at "xx". | Collections Comments:The loan is currently in active foreclosure. According to the servicing comments and documents available in the loan file the foreclosure was initiated on the loan and referred to attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx . The judgment was entered on xx/xx/xxxx. The foreclosure was on LPS hold dated xx/xx/xxxx. No further details have been found regarding foreclosure. <br> The loan is in delinquency for more than xxx days. The borrower is not making his monthly payments. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx with interest rate of x.xx% for the due date of xx/xx/xxxx. The next due date is xx/xx/xxxx. The latest payment history shows the UPB in the amount of $xxx,xxx.xx. Borrower is making the payments according to the disclosure statement along with mod dated on xx/xx/xxxx available at "xx".<br> The loan mod workout plan had given to borrower and the trial payments was due on xx/xx/xxxx, x/x/xxx, and xx/xx/xxxx with the P&I of $xxx.xx. the borrower had completed this trial plan hence the loan was automatically become modified on xx/xx/xxxx. <br> The loan was modified with an effective date of xx/xx/xxxx and according to the mod the new principal balance is $xxx,xxx.xx to a step modification and the rate was starting from x.xx%. The borrower had given promise to pay P&I in the amount of $xxx.xx which had begun from xx/xx/xxxx with a new maturity date of xx/xx/xxxx. The rate changes in x steps ending at x.xxx%.<br> The lender had forgiven the amount xx and the borrower had also given the promise to pay the deferred balance in the amount of xx on the maturity date. Hence the UPB that has been amortized is $xxx,xxx.xx as an interest bearing amount.<br> There is one disclosure located at "xx" which state that the terms of the modified loan had changes with the first modified payment due on xx/xx/xxxx such as the new rate should be x.xx% and the new P&I should be $xxx.xx.<br>The reason for default is martial difficulties. <br> According to the latest BPO report dated xx/xx/xxxx the property is owner occupied and no visible damage found. Property is in average condition.<br> Foreclosure Comments:According to the servicing comments and documents available in the loan file the foreclosure was initiated on the loan and referred to attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx . The judgment was entered on xx/xx/xxxx. The foreclosure was on LPS hold dated xx/xx/xxxx. No further details have been found regarding foreclosure. <br> Bankruptcy Comments:Not Applicable | The loan mod workout plan had given to borrower and the trial payments was due on xx/xx/xxxx, x/x/xxx, and xx/xx/xxxx with the P&I of $xxx.xx. the borrower had completed this trial plan hence the loan was automatically become modified on xx/xx/xxxx. <br> The loan was modified with an effective date of xx/xx/xxxx and according to the mod the new principal balance is $xxx,xxx.xx to a step modification and the rate was starting from x.xx%. The borrower had given promise to pay P&I in the amount of $xxx.xx which had begun from xx/xx/xxxx with a new maturity date of xx/xx/xxxx. The rate changes in x steps ending at x.xxx%.<br> The lender had forgiven the amount xx and the borrower had also given the promise to pay the deferred balance in the amount of xx on the maturity date. Hence the UPB that has been amortized is $xxx,xxx.xx as an interest bearing amount.<br> There is one disclosure located at "xx" which state that the terms of the modified loan had changes with the first modified payment due on xx/xx/xxxx such as the new rate should be x.xx% and the new P&I should be $xxx.xx.<br> Borrower is making the payments according to this disclosure statement. | Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* Missing Required Disclosures (Lvl 2) "List of Service Provider Disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The property is located in MA state and the required disclosures are missing from the loan file as follow.<br> 1. Carbon Monoxide Alarms<br> 2. MA Smoke Detector Certificate" |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 53730176 | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Wisconsin | xx | xx | xx | Wisconsin | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | 91.758% | 91.758% | Streamline Refinance | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No |  |  | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Review of updated title report dated xx.<br>No single assignment found in the updated title report for the subject mortgage.<br>No active judgments or liens found in the updated title report.<br>xxxx year annual combined taxes of $x,xxx.xx were paid off on xx/xx/xxxx. | The review of updated payment history as of xx/xx/xxxx, the subject loan is currently performing and the next due date of payment is xx/xx/xxxx. The last payment (P&I) was received on xx/xx/xxxx in the amount of $xxx.xx for the due date of xx/xx/xxxx. The UPB as of the date is mentioned in the updated payment history is in the amount of $xxx,xxx.xx. Borrower is currently making payments according to the original Note terms. | Collections Comments:The subject loan is currently performing and the next due date of payment is xx/xx/xxxx. The last payment (P&I) was received on xx/xx/xxxx in the amount of $xxx.xx for the due date of xx/xx/xxxx. The UPB as of the date is mentioned in the updated payment history is in the amount of $xxx,xxx.xx. Borrower is currently making payments according to the original Note terms.<br> Borrower said that the reason for default was home repair but there is no nature of damage and cost and current status of repairs are available in the latest xx months servicing comments/loan file.<br> The reason for default was excessive obligation and curtailment of income.<br> The servicing comment dated on xx/xx/xxxx states that there was a principal reduction of $xxxx.xx and the $xxx.xx is available in suspense for payment and the same thing is showing in updated payment history.<br> There is no information found in the PACER regarding filing of Bankruptcy.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Missing Required State Disclosures<br> Mortgage Insurance | xx | 2: Acceptable with Warnings |  |  | \* Homeownership Counselling Disclosure is missing. (Lvl 2) "Homeownership Counseling Organizations disclosure is missing from the loan file."<br> \* MI, FHA or MIC missing and required (Lvl 2) "The loan was originated as FHA insured loan. MI certificate is required, however, the same has been missing from the loan file, but the document located at "1712557_Case cancelled.pdf xx" states case was canceled on xx/xx/2014 and it was archived."<br> \* Missing Required Disclosures (Lvl 2) "List of service providers document is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The following state (WI) disclosure is missing from the loan file:<br> 1. Choice of Insurance Disclosure"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing from the loan file." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 61082415 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Mississippi | xx | xx | xx | Mississippi | xx | xx | Yes | Yes | Not Applicable | Second |  | ? | ???.?? | ??/??/???? | Not Applicable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ??.????% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 88.669% | 88.669% | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | 479 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | xxxx.xx | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | The review of the updated title report dated xx.<br>The chain of assignment has been completed. <br> The property taxes for the year xxxx have been due in the amount of $xxx.xx. These taxes were recently due for xx/xx/xxxx. <br>No active judgments or liens have been found. <br>As per the tax report, the property has been exempted for xxxx and current year taxes. <br> However, the prior xxxx county taxes have been due in the amount of $xxx.xx. Those taxes were recently due for xx/xx/xxxx.  | According to the payment history as of xx/xx/xxxx, the borrower is currently delinquent for xx months. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $xxx.xx. The UPB reflected as per the payment history is in the amount of $xx,xxx.xx. | Collections Comments:The loan is currently in bankruptcy. According to the payment history as of dated xx/xx/xxxx, the borrower is currently delinquent for xx months. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $xxx.xx. The UPB reflected as per the payment history is in the amount of $xx,xxx.xx.<br> The reason for default could not be determined from the servicing comments. <br> The foreclosure was initiated. The referral date is unable to determine. The complaint was filed on xx/xx/xxxx. However, the foreclosure was put on hold as the borrower filed bankruptcy on xx/xx/xxxx. No further details have been found.<br> According to the PACER, the borrower had filed bankruptcy under chapter-xx with the case#xx on xx/xx/xxxx. The POC was filed on xx/xx/xxxx, the POC amount is $xx,xxx.xx and the arrearage amount is $x,xxx.xx. Post petition due date is xx/xx/xxxx. There is no comment indicating a cram down.<br> As per the collection comment xx/xx/xxxx, the property had interior damages to baseboards and flooring in multiple rooms due to water. The date of loss was xx/xx/xxxx. Latest servicing dated xx/xx/xxxx shows that the final insurance claim check(#xx) under claim# xx in the amount of $x,xxx.xx was issued on xx/xx/xxxx. As per the servicing comment dated xx/xx/xxxx and xx/xx/xxxx, all the repairs had been completed. Latest BPO report dated xx/xx/xxxx does not reflect any damage to the subject property.<br>Update:<br> As per the servicing comment dated xx/xx/xxxx, the BK was discharged on xx/xx/xxxx.<br> Foreclosure Comments: The foreclosure was initiated. The referral date is xx/xx/xxxx. Foreclosure sale date was xx/xx/xxxx. However, the foreclosure was put on hold as the borrower filed bankruptcy on xx/xx/xxxx. No further details have been found.<br> Bankruptcy Comments:According to the PACER, the borrower had filed bankruptcy under chapter-xx with the case#xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. The POC was filed on xx/xx/xxxx with secured claim in the amount of $xx,xxx.xx and the arrearage amount is $x,xxx.xx. Post petition due date is xx/xx/xxxx. There is no comment indicating a cram down. | An adjustment of terms agreement was made between borrower "xx" and lender "xx" on xx/xx/xxxx to amend the terms of original note dated xx/xx/xxxx. <br> As per the change of terms, the borrower promised to pay UPB $xx,xxx.xx with modified interest at the rate of x.xx%, beginning from xx/xx/xxxx. In addition to UPB, the lender has deferred past due amount of $x,xxx.xx.  | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* Lost Note Affidavit (Lvl 3) "The Affidavit of lost note was found at location "xx"(dated xx/xx/2016) indicating the original note was lost or misplaced; However, the true and correct copy of the original note attached to the same file." | \* Application Missing (Lvl 2) "Final loan application/1003 is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "initial escrow account disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "An appraisal report at origination is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service provider is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in massachusetts. Following disclosures are required in this sate.<br> 1.Lead-Based Paint Disclosure<br> 2.Mortgage Loan Application Disclosure<br> 3.Carbon Monoxide Alarms<br> 4.MA Smoke Detector Certificate<br> 5.Notice of the Specific Reason for Denial of Credit<br> 6.Demonstration and Documentation of Compliance with Borrower Interest Requirement<br> State disclosures are missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "Right of rescission is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 32252285 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.??% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | 89.644% | 89.644% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | 87.627% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.x | x.xx% | xxx.xx | xx/xx/xxxx | Financial Hardship | The review of the updated title report dated xx.<br> The chain of the assignment is completed.<br> There are no any active liens and judgments.<br> The xxxx annual taxes are paid in the amount of $x,xxx.xx<br> The delinquent taxes are not found | According to payment history, the borrower is making payment consistently and next due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the total amount of $xxx.xx which was applied on xx/xx/xxxx. As per tape data, the new principal balance is$xxx,xxx.xx. The borrower has been making payments as per modification agreement. | Collections Comments:The loan current is in bankruptcy. According to payment history, the borrower is making payment consistently. According to the PACER, the borrower had filed for bankruptcy under chapter-xx with the case#xx on xx/xx/xxxx . The plan was confirmed on xx/xx/xxxx. The debtor shall pay to the trustee in the amount of $xxx.xx for xx months for the total amount of $xxxxx.xx. The POC was filed on xx/xx/xxxx, the POC amount is $$xxx,xxx.xx and the arrearage amount is $$x,xxx.xx. The schedule D of Voluntary Petition shows that the amount of claim without deducting the value of the collateral is $xxx,xxx.xx and the value of the collateral is $xxx,xxx.xx; however, the unsecured portion is $xx,xxx.xx.<br> Next due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the total amount of $xxx.xx which was applied on xx/xx/xxxx. As per tape data, the new principal balance is$xxx,xxx.xx. The borrower has been making payments as per modification agreement.<br> According to the modification, the loan was modified on xx/xx/xxxx between the xx and Lender xx. The new modified principal balance as per modification is in the amount of $xxx,xxx.xx, Interest bearing amount $xxx,xxx.xx and deferred balance is of $xx,xxx.xx with interest rate starting at x.xxx % and the borrower promises to pay P&I in the amount of $xxx.xx beginning from xx/xx/xxxx. The maturity date as per modification is xx/xx/xxxx. This loan was modified three times.<br> There are no any comments regarding foreclosure and current occupancy is occupied by unknown party.<br> As per servicing comments the reason for default is excessive obligation.<br> As per comments the willingness to pay and ability to pay is excellent.<br> There is previous resolution was modification which was successful.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower had filed for bankruptcy under chapter-xx with the case#xx onxx/xx/xxxx . The plan was confirmed on xx/xx/xxxx. The debtor shall pay to the trustee in the amount of $x,xxx.xx for xx months. The POC was filed on xx/xx/xxxx, the POC amount is $$xxx,xxx.xx and the arrearage amount is $$x,xxx.xx. <br> The schedule D of Voluntary Petition shows that the amount of claim without deducting the value of the collateral is $xxx,xxx.xx and the value of the collateral is $xxx,xxx.xx; however, the unsecured portion is $xx,xxx.xx | According to the modification, the loan was modified on xx/xx/xxxx between th xx and Lender xx. The new modified principal balance as per modification is in the amount of $xxx,xxx.xx, Interest bearing amount $xxx,xxx.xx and deferred balance is of $xx,xxx.xx with interest rate starting at x.xxx % and the borrower promises to pay P&I in the amount of $xxx.xx beginning from xx/xx/xxxx. The maturity date as per modification is xx/xx/xxxx. This loan was modified three times. | Affiliated Business Disclosure<br> Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* DTI > 60% (Lvl 2) "As per 1003 dated xx/xx/2007, the total monthly income is in the amount of $4684.67 and the total monthly expenses is in the amount of $2363.12 hence, DTI is exceeding 60%."<br> \* Missing Required Disclosures (Lvl 2) "As per review List Of Service Providers is missing from loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in Illinois state. The state disclosure missing from the loan file are: As per review below state disclosures are missing from loan file, IL Collateral Protection Insurance Notice, Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application."<br> \* Operative index value is unable to confirm (Lvl 2) "Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "As per review affiliated business disclosure is missing from file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 75826237 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 11 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 70.000% | 70.000% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No |  | Not Applicable | 8.494% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Review of updated title Report dated xx. <br> The chain of assignment is complete as the subject mortgage is currently with xx. <br> There are eight civil judgment against the borrower open found in the total amount of $xxxxx.xx as below. :-<br> x) Civil judgment (Credit Card) against the borrower in the amount of $xxxx.xx favor of xx which was recorded on xx/xx/xxxx.<br> x) Civil judgment (Credit Card) against the borrower in the amount of $xxx.xx favor of xx which was recorded on xx/xx/xxxx.<br> x) Civil judgment against the borrower in the amount of $xxxx.xx favor of xx which was recorded on xx/xx/xxxx.<br> x) Civil judgment against the borrower in the amount of $xxx.xx favor of xx which was recorded on xx/xx/xxxx.<br> x) Civil judgment (Credit Card) against the borrower in the amount of $xxxx.xx favor of xx which was recorded on xx/xx/xxxx.<br> x) Civil judgment (Credit Card) against the borrower in the amount of $xxxx.xx favor of xx which was recorded on xx/xx/xxxx.<br> x) Civil judgment against the borrower in the amount of $xxxx.xx favor of xx which was recorded on xx/xx/xxxx.<br> x) Civil judgment against the borrower in the amount of $xxxx.xx favor of xx which was recorded on xx/xx/xxxx.<br> As per updated title report, town taxes for the year of xxxx, xst & xnd installment was paid in the amount of $xxxxx.xx. Also, town taxes for the year of xxxx, xrd installment is due on xx/xx/xxxx in the amount of $xxxx.xx and xth installment is due on xx/xx/xxxx in the amount of $xxxx.xx. No delinquent taxes have been found for the prior years. | As per the review of payment history, the borrower is delinquent more than xxx days. The last payment was received on xx/xx/xxxx in the amount $x,xxx.xx which was applied to xx/xx/xxxx. The next due date is xx/xx/xxxx. The payment was received as per modification agreement. The payment history does not shows current UPB. Hence, value is taken from tape data in the amount of $x,xxx,xxx.xx. The last payment was received as the interest rate modification certificate (xx) | Collections Comments:Borrower has filed bankruptcy under Chapter xx, case # xx on xx/xx/xxxx and plan was not confirmed. The case was converted from xx to chapter xx on xx/xx/xxxx. As per chapter xx plan debtor shall pay to the trustee in the amount of $xxxx.xx per month for the xx months. Motion for relief filed on xx/xx/xxxx. The POC is filed on xx/xx/xxxx in the amount of $x,xxx,xxx.xx and amount of arrearage is $x,xxx,xxx.xx.<br> Available servicing comments and documents in file reveal that foreclosure was initiated in loan by filing referral xx/xx/xxxx by attorney. Judgment was entered on xx/xx/xxxx. BID calculation completed on xx/xx/xxxx and foreclosure sale schedule for xx/xx/xxxx. In between FC process was delayed due to loss mitigation efforts. Due to filing of bankruptcy by borrower on xx/xx/xxxx FC process currently was put on hold. No further details are available.<br> As per the review of payment history, the borrower is delinquent more than xxx days. The last payment was received on xx/xx/xxxx in the amount $x,xxx.xx which was applied to xx/xx/xxxx. The next due date is xx/xx/xxxx. The payment was received as per modification agreement. The payment history does not shows current UPB. Hence, value is taken from tape data in the amount of $x,xxx,xxx.xx. The last payment was received as the interest rate modification certificate (xx).<br> As per servicing comment dated xx/xx/xxxx subject property is damage. The nature of repair is mold and sewer. however, damage repair amount is not available in the latest servicing comment. Also latest BPO (Doc locator#xx) dated xx/xx/xxxx, does not shows any damage or repair information.<br>Foreclosure Comments:Available servicing comments and documents in file reveal that foreclosure was initiated in loan by filing referral xx/xx/xxxx by attorney. Judgment was entered on xx/xx/xxxx. BID calculation completed on xx/xx/xxxx and foreclosure sale schedule for xx/xx/xxxx. In between FC process was delayed due to loss mitigation efforts. Due to filing of bankruptcy by borrower on xx/xx/xxxx FC process currently was put on hold. No further details are available.<br> Bankruptcy Comments:Borrower has filed bankruptcy under Chapter xx, case #xx on xx/xx/xxxx and plan was not confirmed. The case was converted from xx to chapter xx on xx/xx/xxxx. As per chapter xx plan debtor shall pay to the trustee in the amount of $xxxx.xx per month for the xx months. Motion for relief filed on xx/xx/xxxx. The POC is filed on xx/xx/xxxx in the amount of $x,xxx,xxx.xx and amount of arrearage is $x,xxx,xxx.xx. | Not Applicable | Affiliated Business Disclosure<br> Loan Program Info Disclosure<br> Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed the xx prohibited fees test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the xx prohibited fees test.<br> Loan data is $405.00 which is comparison with $0.00 and variance is +$405.00<br> Fees include :-<br> Loan Origination Fee -$175.00<br> Commitment Fee - $200.00<br> Notice of Settlemen - t $30.00"<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service provider is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "Subject property is located at NJ state.<br> Following state disclosure is missing from the loan file. :-<br> 1) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Form Disclosure is missing from the loan file." |  | Moderate | Not Covered | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 94194444 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Missouri | xx | xx | xx | Missouri | xx | xx | No | Yes | Not Applicable | Second |  | ? | ???? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | Unavailable | 30.000% | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 33.489% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx.<br> The chain of the assignment has been completed. Currently, the assignment is with xx. The assignment is missing from xx.<br>There is one Water/Sewer/ Utility lien for nonpayment of sewer service charges against the subject property in favor of xx in the amount of $xxx.xx which was recorded on xx/xx/xxxx.<br> There are three civil judgments against the borrower,xx in the total amount of $xx,xxx.xx in the favor of different plaintiff's which were recorded on xx/xx/xxxx, xx/xx/xxxx and xx/xx/xxxx.<br> There are two State tax liens against the borrower,xx in the total amount of $x,xxx.x in the favor of Missouri department of revenue taxation division xx which were recorded on xx/xx/xxxx and xx/xx/xxxx.<br> xxxx combined annual taxes have been paid in the cumulative amount of $x,xxx.xx on xx/xx/xxxx. No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/xxxx, the borrower is currently delinquent for xx months and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx for the due date of xx/xx/xxxx. The unpaid principal balance reflected as of the date is $xx,xxx.xx. The borrower has been making payments as per the note terms with interest rate of x.xxx% and P&I of $xxx.xx. | Collections Comments:The loan is currently in the bankruptcy and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx for the due date of xx/xx/xxxx. The unpaid principal balance reflected as of the date is in the amount of $xx,xxx.xx. The borrower has been making payments as per the note terms with interest rate of x.xxx% and P&I of $xxx.xx. The loan has not been modified since the origination. The reason for default is not provided in the collection comment.<br> According to review of the collection comment and loan documents, the foreclosure was initiated in xxxx and was referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx.<br> According to comment dated xx/xx/xxxx, the foreclosure sale was scheduled on xx/xx/xxxx. Bidding has been approved till the total amount of $xxx,xxx.xx. The sale was cancelled due to the borrower had filed bankruptcy under chapter xx with case # xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. <br> According to voluntary petition schedule D, the value of the collateral is $xxx,xxx.xx and the value of the secured claim is $xxx,xxx.xx.<br> The POC was filed by the creditor's attorney on xx/xx/xxxx for the secured claim amount of $xxx,xxx.xx and the amount arrearage is $xx,xxx.xx.<br> Motion for relief from stay was filed on xx/xx/xxxx and order on motion for relief from stay was entered on xx/xx/xxxx.<br> Notice of mortgage payment change was filed xx/xx/xxxx. The mortgage payment was $xxxx.xx which was due from xx/xx/xxxx.<br> According to second amended chapter xx plan dated xx/xx/xxxx, the debtor shall pay to the chapter xx trustee in the amount of $x,xxx.xx through xx/xx/xxxx, then $xxxx.xx per month for xx months beginning with the payment due in xx/xx/xxxx for the amount of $xx,xxx.xx. The debtor shall pay prepetition arrearage in the amount of $xx,xxx.xx for xx months and post petition arrearage in the amount of $xxx.xx to xx.<br> Trustee's motion to dismiss the case for failure to make plan payments and notice was filed on xx/xx/xxxx. Trustee has received payments from the debtor over the last nine months. The amount due to the Trustee to date is $xx,xxx.xx but the total paid into the plan to date is $xx,xxx.xx.The debtor is $x,xxx.xx in default through May xx, xxxx.<br> The latest BPO report is not available in the loan file. No comment pertaining damage to the subject property has been observed.<br>Update:<br> As per the servicing comment dated xx/xx/xxxx, new scheduled end date of FC hold is xx/xx/xxxx.<br>Foreclosure Comments:According to review of the collection comment and loan documents, the foreclosure was initiated in xxxx and was referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx.<br> According to comment dated xx/xx/xxxx, the foreclosure sale was scheduled on xx/xx/xxxx. Bidding has been approved till the total amount of $xxx,xxx.xx. The sale was cancelled due to the borrower had filed bankruptcy under chapter xx with case # xx on xx/xx/xxxx.<br> Bankruptcy Comments:The borrower, xx had filed bankruptcy under Chapter xx with Case #xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. <br> According to voluntary petition schedule D, the value of the collateral is $xxx,xxx.xx and the value of the secured claim is $xxx,xxx.xx.<br> The POC was filed by the creditor's attorney on xx/xx/xxxx for the secured claim amount of $xxx,xxx.xx and the amount arrearage is $xx,xxx.xx.<br> Motion for relief from stay was filed on xx/xx/xxxx and order on motion for relief from stay was entered on xx/xx/xxxx.<br> Notice of mortgage payment change was filed xx/xx/xxxx. The mortgage payment was $xxxx.xx which was due from xx/xx/xxxx.<br> According to second amended chapter xx plan dated xx/xx/xxxx, the debtor shall pay to the chapter xx trustee in the amount of $x,xxx.xx through xx/xx/xxxx, then $xxxx.xx per month for xx months beginning with the payment due in xx/xx/xxxx for the amount of $xx,xxx.xx. The debtor shall pay prepetition arrearage in the amount of $xx,xxx.xx for xx months and post petition arrearage in the amount of $xxx.xx to xx.<br> Trustee's motion to dismiss the case for failure to make plan payments and notice was filed on xx/xx/xxxx. Trustee has received payments from the debtor over the last nine months. The amount due to the Trustee to date is $xx,xxx.xx but the total paid into the plan to date is $xx,xxx.xx.The debtor is $x,xxx.xx in default through May xx, xxxx. | Not Applicable | Affiliated Business Disclosure<br> Credit Report<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "Prohibited Fees First Lien Test: FAIL Loan Data: $325.00 Comparison Data: $0.00 Variance: +$325.00.<br> Origination Fee & Broker Fee Test: FAIL Loan Data: $2,268.88 Comparison Data: $1,235.00 Variance: +$1,033.88.<br> This loan failed the first lien prohibited fees test.<br> This loan failed the origination fee and broker fee test.<br> This loan failed the broker fees test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the first lien prohibited fees test. <br> The loan has fees that are prohibited for this license type.<br> Prohibited Fees First Lien Test: FAIL Loan Data: $325.00 Comparison Data: $0.00 Variance: +$325.00.<br> This loan failed the broker fees test.<br> The loan has DIDMCA preemption selected, collects fees from the borrower that directly compensate the broker and the sum of all broker fees is greater than 1%.<br> Origination Fee & Broker Fee Test: FAIL Loan Data: $2,268.88 Comparison Data: $1,235.00 Variance: +$1,033.88.<br> This loan failed the origination fee and broker fee test. <br> The loan does not have DIDMCA preemption selected and the sum of the origination fee and all broker fees is greater than 1%.<br> This loan failed broker fees Test : Loan Data: $2,268.88 Comparison Data: $0.00 Variance: +$2,268.88"<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial Escrow Account Disclosure is missing from the loan file"<br> \* Missing credit report (Lvl 2) "Credit Report missing from loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Service Providers is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The Subject property is located in Missouri (MO) state. The below Required State disclosures are missing in the given loan files.<br> 1] MO Collateral Protection Act Notice.<br> 2] Borrower's Choice of Insurer orAgent."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of Servicing Transfer is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing from the loan file." |  | Moderate | Not Covered | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 50710462 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | Unavailable | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 57.426% | 57.426% | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to updated title report dated xx.<br> The chain of assignment has been completed. Currently, the mortgage assignment is with xx.<br> There is a junior mortgage open against the subject property in favor of xx.<br> There are four civil judgment against xx in the total amount of $xxx,xxx.xx which were recorded on xx/xx/xxxx, xx/xx/xxxx, xx/xx/xxxx and xx/xx/xxxx.<br> Tax Status:<br> xxxx combined annual taxes have been paid in the amount of $x,xxx.xx.<br> xxxx school xst installment taxes have been paid in the amount of $x,xxx.xx.<br> xxxx School xnd installment taxes have been paid in the amount of $x,xxx.xx.<br> xxxx Villagexst installment taxes have been paid in the amount of $x,xxx.xx.<br> xxxx Village xnd installment taxes are due on xx/xx/xxxx in the amount of $xxx.xx. | The Payment History dated as of xx/xx/xxxx reveals that the borrower has been the delinquent from xx/xx/xxxx to till date. The delinquency has been done for xx months. The last payment was received on is not available in the provided payment history. The last payment was made in the amount of $x,xxx.xx and it was applied for the due date xx/xx/xxxx. The current P&I is $x,xxx.xx and rate of interest is x.xxxx%. The current unpaid principal balance is in the amount of $xxx,xxx.xx. The last payment was made by borrower as per the Note. | Collections Comments:Available servicing comment and documents in file reveal that loan is in bankruptcy.<br> The Payment History dated as of xx/xx/xxxx reveals that the borrower has been the delinquent from xx/xx/xxxx to till date. The delinquency has been done for xx months. The last payment was received on is not available in the provided payment history. The last payment was made in the amount of $x,xxx.xx and it was applied for the due date xx/xx/xxxx. The current P&I is $x,xxx.xx and rate of interest is x.xxxx%. The current unpaid principal balance is in the amount of $xxx,xxx.xx. The last payment was made by borrower as per the Note.<br> According to the PACER, the xx(borrower) had filed for bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx. Schedule D in voluntary petition dated xx/xx/xxxx states, the amount of claim without deducting value of collateral was $xxx,xxx.xx and value of collateral that support for this claim was $xxx,xxx.xx. However, unsecured portion remained as $x.xx. POC was filed by xx on xx/xx/xxxx, in the secured claim amount $xxx,xxx.xx and an arrearage in the amount of $xxx,xxx.xx. Chapter xx plan was filed on xx/xx/xxxx which states that arrearage was included in the plan and post petition payment will pay directly to creditor in the amount of $x,xxx.xx monthly. As per Objection filed doc#xx on dated xx/xx/xxxx, the Subject Creditor objects to the Debtor's plan because the amount of pre petition mortgage arrears owed to the Creditor is $xxx,xxx.xx, and the Plan does not fully address these arrears. Plan shows that the Plan fails to include the Creditor or list any pre-petition arrears, which is clearly insufficient. The Plan must be amended to reflect the proper amount of arrears. Plan not confirmed yet. Last filling was xx/xx/xxxx.<br> Available servicing comment and documents in file reveal that loan is in foreclosure since xxxx. Foreclosure was referred to attorney which was completed on xx/xx/xxxx. Foreclosure complaint was filed on xx/xx/xxxx with case # xx and the lis pendens was filed on same day. Foreclosure judgment was entered on xx/xx/xxxx and sale was scheduled for xx/xx/xxxx. But foreclosure was put on hold due to borrower had filed bankruptcy under chapter xx with the case #xx on date xx/xx/xxxx. Loan currently is active in bankruptcy.<br> According to collection comment, no damages or repairs have been found. Comment dated xx/xx/xxxx states that the borrower said reason for default due to she was going through a divorce.<br> According latest exterior BPO report dated xx/xx/xxxx, the subject property was occupant was unknown and the property was in average condition. No damages and estimated repairs have been noted.<br>Foreclosure Comments:Available servicing comment and documents in file reveal that loan is in foreclosure since xxxx. Foreclosure was referred to attorney which was completed on xx/xx/xxxx. Foreclosure complaint was filed on xx/xx/xxxx with case #xx and the lis pendens was filed on same day. Foreclosure judgment was entered on xx/xx/xxxx and sale was scheduled for xx/xx/xxxx. But foreclosure was put on hold due to borrower had filed bankruptcy under chapter xx with the case #xx on date xx/xx/xxxx. Loan currently is active in bankruptcy.<br> Bankruptcy Comments:According to the PACER, the xx (borrower) had filed for bankruptcy under chapter-xx with the case#xx on xx/xx/xxxx. Schedule D in voluntary petition dated xx/xx/xxxx states, the amount of claim without deducting value of collateral was $xxx,xxx.xx and value of collateral that support for this claim was $xxx,xxx.xx. However, unsecured portion remained as $x.xx. POC was filed by xx on xx/xx/xxxx, in the secured claim amount $xxx,xxx.xx and an arrearage in the amount of $xxx,xxx.xx. Chapter xx plan was filed on xx/xx/xxxx which states that arrearage was included in the plan and post petition payment will pay directly to creditor in th amount of $x,xxx.xx monthly. As per Objection filed doc#xx on dated xx/xx/xxxx, the Subject Creditor objects to the Debtor's plan because the amount of pre petition mortgage arrears owed to the Creditor is $xxx,xxx.xx, and the Plan does not fully address these arrears. Plan shows that the Plan fails to include the Creditor or list any pre-petition arrears, which is clearly insufficient. The Plan must be amended to reflect the proper amount of arrears. Plan not confirmed yet. Last filling was xx/xx/xxxx. | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Income section is missing from the Final application."<br> \* Application Not Signed by All Borrowers (Lvl 2) "Income section is missing from the Final application."<br> \* Missing Required Disclosures (Lvl 2) "List of Service Providers Disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "Following state disclosure are missing from the loan file which are required for New York State:<br> NY Consumer Credit Disclosure / Fair Credit Reporting Notice<br> NY Interest Rate Disclosure<br> Mortgage Bankers and Exempt Organizations Pre application<br> Co-Signer Notice Requirements<br> Default Warning Notice<br> Commitment Disclosure<br> Expiration of Lock-in or Commitment Period"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Disclosure is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 82784688 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | Unavailable | Unavailable | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | Unavailable | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Review of updated title report dated xx.<br> Chain of assignment is completed as the subject mortgage is with "xx" as a current assignee.<br> There is no one Active Judgment and Lien pending against the borrower.<br> The xxxx year and xxxx year annual taxes are exempted. No prior year delinquent taxes are found. | Review of latest payment history as of xx/xx/xxxx shows that the borrower is delinquent for more than xx months and next payment due date is xx/xx/xxxx. The last funds were received on xx/xx/xxxx and was placed into suspense. No other funds or payments were made during the last xx months since the loan was boarded with the current servicer on xx/xx/xxxx. The UPB is being reflected per tape data in the amount of $xx,xxx.xx with a rate of x.xx% and P&I payment of $xxx.xx. | Collections Comments:The loan is currently in Bankruptcy, on Foreclosure hold, and due for the xx/xx/xxxx payment.<br> Review of latest payment history as of xx/xx/xxxx shows that the borrower is delinquent for more than xx months. The last funds were received on xx/xx/xxxx and was placed into suspense. No other funds or payments were made during the last xx months since the loan was boarded with the current servicer on xx/xx/xxxx. The UPB is being reflected per tape data in the amount of $xx,xxx.xx with a rate of x.xx% and P&I payment of $xxx.xx.<br>Per the Updated Title Report, the original Complaint was filed against xx (borrower) and xx (Defendants) on xx/xx/xxxx.<br> The file contains a copy of the Summons and Amended Complaint dated xx/xx/xxxx with Docket No. xx filed against xx, individually and as Executor of the xx (Defendants) that was served on xx/xx/xxxx.<br> Judgment was entered on xx/xx/xxxx. Foreclosure was placed on hold due to xx filing a Chapter x Bankruptcy on xx/xx/xxxx that was Discharged and Terminated on xx/xx/xxxx. A Motion to amend the Judgment figures was granted on xx/xx/xxxx and the Foreclosure Sale date was scheduled for xx/xx/xxxx. Foreclosure was placed on hold again due to xx, Executor, filing Bankruptcy on xx/xx/xxxx and the foreclosure attorney postponed the sale to xx/xx/xxxx. Servicing comments reflect the sale was postponed again to xx/xx/xxxx. Comments provided are dated thru xx/xx/xxxx. The foreclosure remains on hold due to active Bankruptcy however the sale was not cancelled, only postponed therefore Need Update.<br> xx, Executor of the Estate, filed Bankruptcy under the chapter xx Case #xx on xx/xx/xxxx. POC dated xx/xx/xxxx and POC amount was $xxx,xxx.xx with arrearages in the amount of $xx,xxx.xx. As per plan dated xx/xx/xxxx, the debtor shall pay to the Trustee the sum of $x,xxx.xx per month for a period of xx months.<br> Prior Chapter x Bankruptcy case# xx was filed by xx on xx/xx/xxxx. A Notice of Proposed Abandonment was filed xx/xx/xxxx by the Trustee proposing to abandon the subject property stating the value of the property as $xxxk and the Lien is for $xxxk showing amount of equity claimed as exempt as $xx,xxx.xx. If any objections are filed, a hearing would be held on xx/xx/xxxx. A Certification of No Objection was filed xx/xx/xxxx stating no objections were filed regarding the Notice of Proposed Abandonment. The Bankruptcy was Discharged and Terminated on xx/xx/xxxx.<br> As per collection comments, subject property is occupied and no damage was found on the subject property.<br> The latest BPO dated xx/xx/xxxx reflects an As Is Value of $xxxk with a repaired value of $xxxk. The BPO reflects the property is in fair condition; the driveway needs to be replaced ($x,xxx) and the exterior paint ($x,xxx) for a total estimated cost of repairs as $x,xxx.<br> Foreclosure Comments:Per the Updated Title Report, the original Complaint was filed against xx(borrower) and xx (Defendants) on xx/xx/xxxx.<br> The file contains a copy of the Summons and Amended Complaint dated xx/xx/xxxx with Docket No.xx filed against xx, individually and as Executor of the Estate of xx, Deceased, ET AL (Defendants) that was served on xx/xx/xxxx.<br> Judgment was entered on xx/xx/xxxx. Foreclosure was placed on hold again due to xx filing a Chapter x Bankruptcy on xx/xx/xxxx that was Discharged and Terminated on xx/xx/xxxx. A Motion to amend the Judgment figures was granted on xx/xx/xxxx and the Foreclosure Sale date was scheduled for xx/xx/xxxx. Foreclosure was placed on hold due to xx, Executor, filing Bankruptcy on xx/xx/xxxx and the foreclosure attorney postponed the sale to xx/xx/xxxx. Servicing comments reflect the sale was postponed again to xx/xx/xxxx. Comments provided are dated thru xx/xx/xxxx. The foreclosure remains on hold due to active Bankruptcy however the sale was not cancelled, only postponed therefore Need Update.<br> Bankruptcy Comments:xx, Executor of the Estate, filed Bankruptcy under the chapter xx Case #xx on xx/xx/xxxx. POC dated xx/xx/xxxx and POC amount was $xxx,xxx.xx with arrearages in the amount of $xx,xxx.xx. As per plan dated xx/xx/xxxx, the debtor shall pay to the Trustee the sum of $x,xxx.xx per month for a period of xx months.<br> Prior Chapter x Bankruptcy case# xx was filed by xx on xx/xx/xxxx. A Notice of Proposed Abandonment was filed xx/xx/xxxx by the Trustee proposing to abandon the subject property stating the value of the property as $xxxk and the Lien is for $xxxk showing amount of equity claimed as exempt as $xx,xxx.xx. If any objections are filed, a hearing would be held on xx/xx/xxxx. A Certification of No Objection was filed xx/xx/xxxx stating no objections were filed regarding the Notice of Proposed Abandonment. The Bankruptcy was Discharged and Terminated on xx/xx/xxxx. | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Initial Escrow Acct Disclosure<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 is missing from the file. An estimated HUD-1/Fee itemization are also not available in the file." | \* Application Missing (Lvl 2) "The Initial and Final 1003 is missing from the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2) "The Final TIL is missing from the file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial Escrow Acct disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Missing the Appraisal report at the time of origination from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service provider is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of Servicing transfer missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business form is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "The ROR was missing from the file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $7500.00 | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 5417178 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | xx | Yes | Court Delay | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 65.000% | 65.000% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 681 | 693 | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of updated title report dated xx.<br> The chain of the assignment is complete. The latest assignment was from xx,<br> LLC, successor by merger to xx., which was recorded on xx/xx/xxxx. <br> There is one IRS Lien / USA / DoJ, State Tax Lien or Warrant and one Civil Judgment were found against the borrower xx.<br> The IRS lien was found against the borrower xx, which was recorded on xx/xx/xxxx in the amount $xxx,xxx.xx, in the favor of xx.<br> The State tax lien was found against the borrower xx, which was recorded on xx/xx/xxxx in the amount $xxx,xxx.xx, in the favor of xx.<br> There is one civil judgment was found against the borrower xx, which was recorded on xx/xx/xxxx in the amount $ x,xxx.xx, in the favor of xx.<br> The xxxx year's Combinedxst taxes has been paid in the amount of $x,xxx.xx, for the due date xx/xx/xxxx.<br>The xxxx year's Combined xnd taxes has been paid in the amount of $x,xxx.xx, for the due date xx/xx/xxxx.<br> No prior year delinquent taxes are found.<br>| As per the review of payment history, the borrower is delinquent for xx months and next due date xx/xx/xxxx. The borrower has not done even a single payment since last one year. Therefore unable to determine the last payment received date.<br> As per the tape data, the last payment was made in the amount of $x,xxx.xx, with the rate of interest x.xxx%. <br> The UPB is reflecting in the amount of $xxx,xxx.xx. The borrower is making payment as per "Note document". The loan has not been modified since origination. | Collections Comments:As per the review of servicing comments the loan is currently in foreclosure. The loan is due for xx/xx/xxxx. The borrower has not done even a single payment since last one year. Therefore unable to determine the last payment received date.<br> As per the tape data, the last payment was made in the amount of $x,xxx.xx, with the rate of interest x.xxx%. <br> The UPB is reflecting in the amount of $xxx,xxx.xx. The borrower is making payment as per "Note document". The loan has not been modified since origination.<br> As per the servicing comments xx/xx/xxxx, the reason for default is the death of the borrower spouse. The borrower xx was deceased on xx/xx/xxxx. But as per the review of servicing comments, the borrower wants to keep the property. However, as per the available records borrower is willing to pay the loan. <br> As per this document located at " xx" in the given loan file, the foreclosure was initiated and file was referred to attorney on xx/xx/xxxx.<br> The borrower has filed complaint on xx/xx/xxxx with case number xx.<br> As per updated title the borrower has complaint filed on xx/xx/xxxx with case number xx.<br> As per this document located at "xx" in the given loan file, the sale was scheduled on xx/xx/xxxx.<br> As per this document the borrower xx sell to the property to the xx.<br> But the grantor is not signed on this document. As per updated title report the current owners of the property is xx. The foreclosure was put on hold due the court delay borrower cannot proceed with the short sale due to IRS lien. Borrower is trying to get the IRS lien removed because the liens against the deceased borrower xx., the borrower try to resolve them.<br> The servicing comments shows that, the foreclosure process was put on hold because borrower has contested the foreclosure. due to the borrower was negotiating a short sale with xx and the motion has been pending since May xxxx. <br> The borrower xx had filed bankruptcy under Chapter xx with case # xx on xx/xx/xxxx and case was discharged on xx/xx/xxxx.<br> The case was terminated on xx/xx/xxxx.<br> As per Property Inspection Report on xx/xx/xxxx, the property is occupied by the unknown. No damage is found to the property and property is in good condition.<br> Foreclosure Comments:As per this document located at " xx" in the given loan file, the foreclosure was initiated and file was referred to attorney on xx/xx/xxxx.<br> The borrower has filed complaint on xx/xx/xxxx with case number xx.<br> As per updated title the borrower has complaint filed on xx/xx/xxxx with case number xx.<br> As per this document located at "xx" in the given loan file, the sale was scheduled on xx/xx/xxxx.<br> As per this document the borrower xx sell to the property to the xx.<br> But the grantor is not signed on this document. As per updated title report the current owners of the property is xx. The foreclosure was put on hold due the court delay borrower cannot proceed with the short sale due to IRS lien. Borrower is trying to get the IRS lien removed because the liens against the deceased borrower xx., the borrower try to resolve them.<br> The servicing comments shows that, the foreclosure process was put on hold because borrower has contested the foreclosure. due to the borrower was negotiating a short sale with xx and the motion has been pending since May xxxx. <br>Bankruptcy Comments:The borrower xx had filed bankruptcy under Chapter xx with case #xx on xx/xx/xxxx and case was discharged on xx/xx/xxxx.The case was terminated on xx/xx/xxxx. | Not Applicable | Loan Program Info Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* Loan program disclosure missing or unexecuted (Lvl 2) "The Loan program disclosure document is missing in the given loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in New York State. The state disclosures missing from the loan file are: NY Consumer Credit Disclosure / Fair Credit Reporting Notice, NY Interest Rate Disclosure, NY Hazard Insurance Disclosure, Tax Escrow Account Designation, Mortgage Bankers and Exempt Organizations Pre-application, Part 80 DisclosureAlternative Mortgage Transaction Disclosures, Co-Signer Notice Requirements, Default Warning Notice, Smoke Alarm AffidavitNew York Real Property Escrow Account Disclosure, Subprime Home Loan Counseling Disclosure, Subprime Home Loan Tax and Insurance Payment Disclosure, Subprime Home Loan Disclosure, Commitment Disclosure, Lock-in Disclosure, Expiration of Lock-in or Commitment Period."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "The Notice of servicing Transfer document is missing in the given loan file."<br> \* Operative index value is unable to confirm (Lvl 2) "Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 39963388 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 80.000% | 80.000% | Full Documentation | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No |  | Not Applicable | 46.770% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.x | x% | xxxx.xx | xx/xx/xxxx | Financial Hardship | The review of the updated title report dated xx.<br>The chain of assignment has been completed. The latest assignment is with xx. recorded on xx/xx/xxxx.<br>No active liens and judgments were found against the property or borrower.<br>No prior year delinquent taxes have been found. The xst installment of xxxx County tax is paid in the amount of $x,xxx.xx. The xnd installment of xxxx County tax is due for xx/xx/xxxx in the amount of $x,xxx.xx. | According to the payment history as of xx/xx/xxxx, the borrower is currently delinquent for x months. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $$x,xxx.xx. The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx. The borrower has been making payments as per the modification agreement. | Collections Comments:The loan is currently in bankruptcy. According to the PACER, the borrower had filed for bankruptcy under chapter-xx with the case#xx on xx/xx/xxxx. The POC was filed on xx/xx/xxxx, the POC amount is $xxx,xxx.xx and the arrearage amount is $xx,xxx.xx. The plan was confirmed on xx/xx/xxxx. As per the confirmed plan, the debtor shall pay the trustee $xxx.xx for xx months under chapter xx beginning from xx/xx/xxxx. The schedule D of Voluntary Petition does not show any unsecured portion. There is no comment indicating a cram down.<br> As per the payment history as of xx/xx/xxxx, the borrower is currently delinquent for x months. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $$x,xxx.xx and PITI is in the amount of $x,xxx.xx. The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx.<br> The reason for default is a curtailment of an income. The subject property has been occupied by an unknown party. The borrower's intention is to keep the property. The foreclosure was initiated. The file was referred to an attorney on xx/xx/xxxx. The complaint filed to date, judgment entered date are unavailable. The sale was scheduled for xx/xx/xxxx. However, the foreclosure was put on hold as the borrower filed bankruptcy on xx/xx/xxxx. No further details have been found.<br> As per the inspection report dated xx/xx/xxxx, the subject property has been occupied by an unknown party. The property is in good condition. No evidence of damage or repair was found.<br>Foreclosure Comments:The foreclosure was initiated. The file was referred to an attorney on xx/xx/xxxx. The complaint filed to date, judgment entered date are unavailable. The sale was scheduled for xx/xx/xxxx. However, the foreclosure was put on hold as the borrower filed bankruptcy on xx/xx/xxxx. No further details have been found.<br> Bankruptcy Comments:According to the PACER, the borrower xx had filed for bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx. The POC was filed on xx/xx/xxxx, the POC amount is $xxx,xxx.xx and the arrearage amount is $xx,xxx.xx. The plan was confirmed on xx/xx/xxxx. As per the confirmed plan, the debtor shall pay the trustee $xxx.xx for xx months under chapter xx beginning from xx/xx/xxxx. The schedule D of Voluntary Petition does not show any unsecured portion. | According to the modification, the loan was modified on xx/xx/xxxx between the borrower xx and xx. As per the modified terms, new principal balance is $xxx,xxx.xx. There are x steps of modification. Borrower promises to pay and the xst step is $x,xxx.xx monthly with a modified interest rate x.xxx% beginning from xx/xx/xxxx, xnd step is $x,xxx.xx monthly with a modified interest rate x.xxx% beginning from xx/xx/xxxx, xrd step is $x,xxx.xx monthly with a modified interest rate x.xxx% beginning from xx/xx/xxxx, xth step is $x,xxx.xx monthly with a modified interest rate x.xxx% beginning from xx/xx/xxxx, with a maturity date xx/xx/xxxx. The interest-bearing amount is $xxx,xxx.xx. The deferred balance is $xx,xxx.xx. | Affiliated Business Disclosure<br> Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* Missing Required Disclosures (Lvl 2) "List of services providers is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in the Massachusetts state. The following state disclosures are missing from the loan file:<br> 1.Lead-Based Paint Disclosure<br> 2.Mortgage Loan Application Disclosure<br> 3.Carbon Monoxide Alarms<br> 4.MA Smoke Detector Certificate<br> 5.Notice of the Specific Reason for Denial of Credit<br> 6.Demonstration and Documentation of Compliance with Borrower's Interest Requirement"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "The Affiliated Business Disclosure is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:<br> Date:<br> Type:Field review | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 46614679 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | Other | xx | ? | ????.?? | ??/??/???? | xx | Yes | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 100.000% | 100.000% | Full Documentation | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | 38.141% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | <br> The Updated-title report dated xx. <br> The chain of the assignment has been completed.<br> There are three active HOA liens in the total amount of $x,xxx.xx in favor of xx. The two HOA foreclosure judgments found in the amount of $xx,xxx in favor of xx. <br> The junior mortgage is available in the amount of $xx,xxx in favor of xx. It was originated on xx/xx/xxxx and recorded on xx/xx/xxxx. <br> The two civil judgments of amount $xxx.xx and $xxxx.xx is found in favor of xx.<br> The annual installments of county taxes are paid in the amount of $xxxx.xx, $xxxx.xx and $xxxx.xx for the year xxxx, xxxx and xxxx respectively. | The review of the payment history shows that, the borrower is currently delinquent for more than xx months and the next due date is for xx/xx/xxxx.<br> The last payment was received on in the amount of $x,xxx.xx, which was applied for xx/xx/xxxx. The UPB stated in the payment history is $xxx,xxx.xx. The Current P&I is $x,xxx.xx and PITI is $x,xxx.xx, with the interest rate of x.xxx%. Currently, the borrower has been making the payments as per note.<br>| Collections Comments:The review of comment history shows that, the loan is in active bankruptcy. <br> The borrower is currently delinquent for more than xx months. The reason for default is not stated.<br> The foreclosure process was initiated and was referred to attorney. The complaint was filed on xx/xx/xxxx with the case# xx/xx/xxxx. The foreclosure judgment entered on xx/xx/xxxx. <br> The foreclosure process was kept on hold because of bankruptcy dated xx/xx/xxxx.<br> The comment history dated xx/xx/xxxx shows that, the borrower is contesting the foreclosure because of additional fees. The issue was resolved according to comment history dated xx/xx/xxxx.<br> The borrower had filed the bankruptcy under chapter xx with the Case # xx, dated xx/xx/xxxx. <br> The plan was confirmed on xx/xx/xxxx. The POC was filed on xx/xx/xxxx, the amount of claim is $xxx,xxx.xx and amount of arrearage is $xxx,xxx.xx, under chapter xx, the debtor shall pay to the trustee in the amount of $xxxx.xx for xst to xxth months and $xxxx.xx for xxth to xxth month.<br> The schedule D of voluntary petition shows the unsecured debt of $xxx,xxx out of claim amount $xxx,xxx.<br> The property has been occupied by the owner itself. As per exterior BPO dated xx/xx/xxxx the property is in average condition and no repairs are needed.<br>Foreclosure Comments:The foreclosure process was initiated and was referred to attorney. The complaint was filed on xx/xx/xxxx with the case# xx/xx/xxxx. The foreclosure judgment entered on xx/xx/xxxx. <br> The foreclosure process was kept on hold because of bankruptcy dated xx/xx/xxxx.<br> The comment history dated xx/xx/xxxx; the borrower is contesting the foreclosure because of additional fees. The issue was resolved according to comment history dated xx/xx/xxxx.<br>Bankruptcy Comments:The borrower had filed the bankruptcy under chapter xx with the Case # xx-xxxxx, dated xx/xx/xxxx. <br> The plan was confirmed on xx/xx/xxxx. The POC was filed on xx/xx/xxxx, the amount of claim is $xxx,xxx.xx and amount of arrearage is $xxx,xxx.xx, under chapter xx, the debtor shall pay to the trustee in the amount of $xxxx.xx for xst to xxth months and $xxxx.xx for xxth to xxth month.<br> The schedule D of voluntary petition shows the unsecured debt of $xxx,xxx out of claim amount $xxx,xxx.<br> There is no any evidence of cram down.<br>| Not Applicable | Affiliated Business Disclosure<br> Credit Report<br> Final Truth in Lending Discl.<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed the TILA APR test"<br> \* ComplianceEase TILA Test Failed (Lvl 2) "The annual percentage rate (APR) is 6.795%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "The Initial Escrow Account Disclosure is missing from the loan file."<br> \* Missing credit report (Lvl 2) "Credit Report missing from loan file."<br> \* Missing Required Disclosures (Lvl 2) "The List of Service Provider Disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The property is located in state of Florida. The following required State Disclosure is missing in the loan file.<br> 1. Anti-Coercion Notice<br> 2.Radon Gas Disclosure<br> 3.Insurance Sales Disclosure"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "The Servicing Transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "The Affiliated Business Disclosure is missing from the loan file." |  | Moderate | Not Covered | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 99421435 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 74.992% | 99.993% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 717 | Not Applicable | 35.276% | First | Commitment | Not Applicable | xxxxxx | xx/xx/xxxx | xxxxxx.xx | xxxxxx | x% | xxx.xx | xx/xx/xxxx | Convert ARM to Fixed | According to the updated title report dated xx."<br>There is an open state tax lien found against the borrower in the amount of $xxx.xx in the favor of "xx" which was recorded on xx/xx/xxxx.<br>Property taxes of the year xxxx-xx are paid in the amount of $x,xxx.xx. Taxes of the prior years are not delinquent. | According to the latest payment history as of xx/xx/xxxx, the borrower is delinquent from xx/xx/xxxx, the last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date xx/xx/xxxx. The current unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx and the current Interest rate is x.xxx%. The borrower is paying according to the modification agreement dated xx/xx/xxxx. | Collections Comments:TAccording to the collection comments as of xx/xx/xxxx, the borrower is delinquent from xx/xx/xxxx, The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date xx/xx/xxxx. The current unpaid principal balance is $xxx,xxx.xx. The current P&I is $x,xxx.xx and the current Interest rate is x.xxx%. The borrower is paying according to the modification agreement dated xx/xx/xxxx. <br> Currently the loan is not in active foreclosure.<br> The borrower had filed bankruptcy on xx/xx/xxxx under chapter xx with case xx. The POC was filed by lender on xx/xx/xxxx with the claim amount of $xxx,xxx.xx and the amount of arrearage is $xx,xxx.xx. The motion for relief from stay was filed on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. According to chapter xx plan the debtor will pay to the trustee for the subject creditor in the amount of $xxx for next xx months xx months for total paid of the arrearage.<br> According to the schedule D of the Voluntary petition dated xxx/xx/xxxx, the loan has been determined to have an unsecured debt as the Value of Collateral is $xxx,xxx.xx, amount of claim is $xxx,xxx.xx. Hence; the unsecured portion is $xxx,xxx.xx.<br> According to the collection comments and the latest exterior BPO report dated xx/xx/xxxx, located at "xx", the subject property is occupied by the owner and is in fair condition with no visible damages.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower had filed bankruptcy on xx/xx/xxxx under chapter xx with case xx. The POC was filed by lender on xx/xx/xxxx with the claim amount of $xxx,xxx.xx and the amount of arrearage is $xx,xxx.xx. The motion for relief from stay was filed on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. According to chapter xx plan the debtor will pay to the trustee for the subject creditor in the amount of $xxx for next xx months xx months for total paid of the arrearage.<br> According to the schedule D of the Voluntary petition dated xx/xx/xxxx, the loan has been determined to have an unsecured debt as the Value of Collateral is $xxx,xxx.xx, amount of claim is $xxx,xxx.xx. Hence; the unsecured portion is $xxx,xxx.xx. | The loan Modification agreement made on xx/xx/xxxx between "xx" ("Borrower") and "xx " (Lender). The new modified unpaid principal balance is $xxx,xxx.xx. The borrower will make a balloon payment on the maturity date in the amount of $xxx,xxx.xx. Hence; the interest bearing amount is $xxx,xxx.xx.<br> The new modified P&I is $xxx.xx and new interest rate is x.xxx%.The first payment begun on xx/xx/xxxx and xx/xx/xxxx will be the new maturity date. The modification has further taken x steps. | Affiliated Business Disclosure<br> Document Showing a Index Numerical Value<br> Loan Program Info Disclosure<br> Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan Program Disclosure is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "The List of Service Providers is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located at "California" state which requires following disclosures and all are missing from the loan file.<br> 1) Impound Account Disclosure.<br> 2) Cosigner Notice.<br> 3) Private Mortgage Insurance Disclosure.<br> 4) Hazard Insurance Disclosure.<br> 5) Insurer RecommendationDisclosure.<br> 6) Anti-Tying Disclosure.<br> 7) Privacy Notice.<br> 8) Notice of Right to Copy of Appraisal.<br> 9) Application for Credit-Married Persons.<br> 10) Fair Debt Collection Notice.<br> 11) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application."<br> \* Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) "Operative Index numerical value unavailable based on loan documents."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business disclosure is missing from the loan file."<br> \* Settlement date is different from note date (Lvl 2) "The settlement date according to the final HUD 1 (xx/xx/2006) is different from the Note date (xx/xx/2006)." |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 24366946 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ??? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 73.626% | 73.626% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 33.502% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | The updated-title report dated xx. <br> The chain of the assignment has been completed. The current assignment is from xx.<br> The annual installments of combined taxes are due till xx/xx/xxxx in the amount of $xxxx.xx for the year xxxx.<br> No prior deliqnuent taxes have been found. | The review of the payment history shows that, the borrower is currently delinquent for more than xx months and the next due date for payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for xx/xx/xxxx. <br> The current UPB stated in the payment history is $xx,xxx.xx. The current P&I is $xxx.xx and PITI is $xxx.xx. Currently, the borrower has been making the payments as per the note. | Collections Comments:The review of the servicing comments shows that the loan is in the active bankruptcy and the next due date for payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for xx/xx/xxxx. <br> The current UPB stated in the payment history is $xx,xxx.xx. The current P&I is $xxx.xx and PITI is $xxx.xx. Currently, the borrower has been making the payments as per the note.<br> The loan was modified on xx/xx/xxxx; however, the borrower has been making the payments as per the Note.<br> As per comments, the reason for default is the curtailment of income.<br> The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx, the complaint was filed and the sale was scheduled for xx/xx/xxxx; however, as per the ligation document filed in the loan at (xx), the foreclosure was put on hold as the borrower filed litigation on xx/xx/xxxx. Later, the litigation issue was resolved and the sale was scheduled for xx/xx/xxxx; however, the foreclosure was put on hold as the borrower filed bankruptcy on xx/xx/xxx.<br> The borrower had filed the bankruptcy under chapter xx with the case # xx onxx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. The post-petition due date was xx/xx/xxxx. The POC was filed on xx/xx/xxxx for the secured claim amount of$xxx,xxx.xx and amount of arrearage is $xx,xxx.xx.<br> According to the modified payment plan, the debtor will pay the amount of $xxxx per month for x months, $xxxx per month for x months and $xxxx per month for xx months. The payments will start from xx/xx/xxxx. <br> There is no any evidence of cramdown.<br> As per the latest comments, the subject property has been occupied by the owner and is in average condition. No damages or repairs have been found.<br>Foreclosure Comments:The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx, the complaint was filed and the sale was scheduled for xx/xx/xxxx; however, as per the ligation document filed in the loan at (xxxxxxxxx - MG - Foreclosure - LITIGATION DOCUMENTATION - - xxxxxx_xxxxxxxxx), the foreclosure was put on hold as the borrower filed litigation on xx/xx/xxxx. Later, the litigation issue was resolved and the sale was scheduled for xx/xx/xxxx; however, the foreclosure was put on hold as the borrower filed bankruptcy on xx/xx/xxx. <br> Bankruptcy Comments:The borrower had filed the bankruptcy under chapter xx with the case # xx onxx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. The post petition due date was xx/xx/xxxx. The POC was filed on xx/xx/xxxx for the secured claim amount of$xxx,xxx.xx and amount of arrearage is $xx,xxx.xx.<br> According to the modified payment plan, the debtor will pay the amount of $xxxx per month for x months, $xxxx per month for x months and $xxxx per month for xx months. The payments will start from xx/xx/xxxx. <br> There is no any evidence of cram down.<br>| The modification agreement was done on xx/xx/xxxx between the (borrower) xx and the (lender) xx.<br> The reason for modification is financial hardship.<br> As per the modified terms, the new unpaid principle balance is $xxx,xxx.xx. The borrower promises to pay the new UPB of $xxx,xxx.xx at the interest rate of x.xxx% with the modified P&I of $xxx.xx.<br> The first payment date was due on xx/xx/xxxx and the new maturity date is xx/xx/xxxx.<br> There is no deferred balance stated.<br>| Affiliated Business Disclosure<br> Credit Report<br> Missing Required State Disclosures<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* Missing credit report (Lvl 2) "Credit Report missing from loan file."<br> \* Missing Required Disclosures (Lvl 2) "The List of Service Provider Disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The property is located in state of Texas. The following required State Disclosure is missing in the loan file.<br> 1.TX Loan Agreement Notice<br> 2.Commitment Requirement/Anti-Tying<br> 3.TILA Disclosures in Spanish<br> 4.Home Equity Consumer Disclosure<br> 5.Home Equity Loan Interest and Fees Preclosing Disclosure <br> 6.Home Equity Loan Copies of Documents<br> 7.Home Equity Loan Rescission Notice<br> 8.Fair Market Value of Homestead Property Acknowledgment<br> 9.Home Equity Loan Notice of Address for Borrower Notification of Violation<br> 10.Choice of Insurance Notice<br> 11.Collateral Protection Insurance Disclosure<br> 12.Non-Deposit Investment Product Disclosure Are there any promotional materials?<br> 13.Insurance Solicitation/Post Commitment Requirement<br> 14.Construction Loan Disclosure"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "The Servicing Transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "The Affiliated Business Disclosure is missing from the loan file."<br> \* Settlement date is different from note date (Lvl 2) "The settlement date is xx/xx/2004. However the HUD-1 shows that it is xx/xx/2004." |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 7239882 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | ???.?? | ?.???% | 480 |  | xx | xx |  | Conventional | Fixed |  | Purchase | Unavailable | Unavailable | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Low Rise Condo (1-4 Stories) | Not Applicable | Unavailable | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | As per the review of the updated title report dated xx/xx/xxxx, xx.<br> Chain of assignment has been completed. Currently, the mortgage is with xx., which was recorded on xx/xx/xxxx.<br> There are x state tax lien in the favor of xx first which was recorded on xx/xx/xxxx in the amount of $xxxx.xx, second in the amount of $xxxx.xx which was recorded on xx/xx/xxxx, third in the amount of $xxxx.xx which was recorded on xx/xx/xxxx and the another in the amount $xxxx.xx which was recorded on xx/xx/xxxx.<br> There are x judgments first in the amount of $xxxx.xx which was recorded on xx/xx/xxxx in the favor of xx, and other in the amount of $xx,xxx.xx which was recorded on xx/xx/xxxx in the favor of xx. <br> There is a senior judgment in the favor of xx which was recorded on xx/xx/xxxx in the amount of $xxxx.xx.<br> xxxx xnd installment taxes have been due in the amount of $xxx.xx.<br> xxxx xth and xxxx xst, xnd and xrd installment taxes have been paid in the amount of $xxxx.xx. No prior year delinquent taxes have been found. | As per the review of the payment history, the borrower has been delinquent for xx months and next payment is due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for xx/xx/xxxx. The UPB is $xxx,xxx.xx. The current P&I is $xxx.xx and PITI is $xxx.xxThe borrower has been making his payments as per the xxxx mod agreement. | Collections Comments:The loan is currently in the collection and next payment is due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for xx/xx/xxxx. As per the PACER report, the borrower had filed bankruptcy under chapter x with case#xx on xx/xx/xxxx and the debtor was dismissed on xx/xx/xxxx and case was terminated on xx/xx/xxxx. The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx and the complaint was filed on xx/xx/xxxx. The service was completed on xx/xx/xxxx. The borrower filed bk on xx/xx/xxxx and fcl was placed on hold. The RFD is unable to determine. The loan was modified once since origination and the borrower has been making his payments as per the xxxx mod terms. As per the collection comments, the property is owner-occupied. No repairs and damages have been found.<br> Foreclosure Comments:The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx and the complaint was filed on xx/xx/xxxx. The service was completed on xx/xx/xxxx. The borrower filed bk on xx/xx/xxxx and fcl was placed on hold.<br> Bankruptcy Comments:As per the PACER report, the borrower had filed bankruptcy under chapter x with case#xx on xx/xx/xxxx and the debtor was dismissed on xx/xx/xxxx and case was terminated on xx/xx/xxxx. As per the voluntary petition scheduled D, there is an unsecured portion in the amount of $xxx,xxx.xx and the amount of claim without deducting the value of the collateral is $xxx,xxx.xx. | This modification agreement was signed between the borrower xx and the lender xx on xx/xx/xxxx.<br> The borrower promises to pay the new UPB in the amount of $xxx,xxx.xx with an annual fixed modified interest rate of x.xxx% and new P&I is in the amount of $xxx.xx beginning from xx/xx/xxxx till the maturity date xx/xx/xxxx. The interest-bearing amount is $xxx,xxx.xx and deferred balance in the amount of $xx,xxx.xx. There is no provision for the balloon payment. | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 along with itemization and estimated HUD are missing from the loan file." | \* Application Missing (Lvl 2) "Final loan application /1003 is missing from the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial acct escrow disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "An appraisal report is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service transfer disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The following disclosures are missing from the loan files, NJ Application Disclosure, Delivery Fee Authorization, NJ Attorney Disclosure, Unacceptability of Insurance Notice, Attorney Disclosure II, Tax Bill Information, Private Well Testing, Lock-In Agreement, Commitment Disclosures, Choice of Insurer Disclosure and Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of service transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 54221748 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Louisiana | xx | xx | xx | Louisiana | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 300 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 66.013% | 66.013% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 663 | Not Applicable | 25.880% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.x | Not Applicable | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | As per the review of updated title report dated xx.<br> The chain of the assignment has been completed. Currently, the assignment is from xx, which was recorded on xx/xx/xxxx.<br> There are no active judgments or liens found against the borrower.<br> The xxxx year's County Annual taxes have been paid in the amount of $xxx.xx.<br> No prior year delinquent taxes have been found.  | The review of payment history as of xx/xx/xxxx the borrower is delinquent for x months. The next payment is due date is for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for xx/xx/xxxx. The current P&I is $xxx.xx and PITI is $xxx.xx.The UPB is reflecting is in the amount of $xx,xxx.xx. The borrower has been making payment as per modification which was made on xx/xx/xxxx.<br>| Collections Comments:The current status of the loan is active in bankruptcy and the next payment is due date is for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for xx/xx/xxxx. The current P&I is $xxx.xx and PITI is $xxx.xx.The UPB is reflecting is in the amount of $xx,xxx.xx. The borrower has been making payment as per modification which was made on xx/xx/xxxx.<br> The loan has been modified, This modification agreement was made between the borrower xx and lender xx on xx/xx/xxxx. The reason for modification is a financial hardship.<br> As per the modified terms, the new principal balance is $xx,xxx.xx. First Payment had begun on xx/xx/xxxx and borrower promises to pay $xxx.xx monthly with a modified interest rate of x.xxx%, with a maturity date xx/xx/xxxx. There is no principal forgiven amount and deferred balance in this modification.<br> The foreclosure was not initiated since origination.<br> The borrower xx had filed bankruptcy under Chapter xx with case # xx on xx/xx/xxxx and plan was confirmed on xx/xx/xxxx. The Amended POC was filed on xx/xx/xxxx with the secured claim amount of $xx,xxx.xx and the arrearage is $x.xx. As per Order Confirming Chapter xx plan dated xx/xx/xxxx, the debtor shall pay the trustee $xxxx.xx through February xxxx, $xxx.xx for xx months. However, the Motion to dismiss amended was filed on xx/xx/xxxx.<br> As per BPO report dated xx/xx/xxxx, the subject property is owner-occupied and Cx in condition.<br> As per comment dated xx/xx/xxxx, the subject property is owner-occupied and borrowers intention to retain the property.<br> No damages and repairs pertaining to the subject property.<br>Update:<br> As per the servicing comment dated xx/xx/xxxx, the reason for default is excessive obligations.<br> As per the servicing comment dated xx/xx/xxxx, the bankruptcy under chapter plan xx was dismissed.<br> As per the servicing comment dated xx/xx/xxxx, the maturity date is xx/xx/xxxx. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower xx had filed bankruptcy under Chapter xx with case # xx on xx/xx/xxxx and plan was confirmed on xx/xx/xxxx. The Amended POC was filed on xx/xx/xxxx with the secured claim amount of $xx,xxx.xx and the arrearage is $x.xx. As per Order Confirming Chapter xx plan dated xx/xx/xxxx, the debtor shall pay the trustee $xxxx.xx through February xxxx, $xxx.xx for xx months. However, the Motion to dismiss amended was filed on xx/xx/xxxx. | This modification agreement was made between the borrower xx and lender xx on xx/xx/xxxx. The reason for modification is a financial hardship.<br> As per the modified terms, the new principal balance is $xx,xxx.xx. First Payment had begun on xx/xx/xxxx and borrower promises to pay $xxx.xx monthly with a modified interest rate of x.xxx%, with a maturity date xx/xx/xxxx. There is no principal forgiven amount and deferred balance in this modification. | Initial Escrow Acct Disclosure<br> Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "The Initial Escrow Account disclosure document is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The Subject property is located in Louisiana state. The below Required State disclosures are missing in the given loan file. <br> 1.Authorization Fees, Charges and Expenses for Federally Related Mortgage Loans<br> 2.Anti-Tying Disclosure<br> 3.Financial Institution Choice of Insurance Disclosure" |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 79279920 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 100.000% | 100.000% | Full Documentation | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No |  |  | 20.377% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx.<br> The chain of assignment had been completed as currently the assignment is with xx recorded on xx/xx/xxxx.<br> Active Judgments and Liens;<br> x) Federal Tax Lien against the borrower xx recorded on xx/xx/xxxx in the amount of $xx,xxx.xx.<br> x) Federal Tax Lien against the borrower xx recorded on xx/xx/xxxx in the amount of $xxx,xxx.xx.<br> x) Federal Tax Lien against the borrower xx recorded on xx/xx/xxxx in the amount of xxx,xxx.xx.<br> Property Tax Status;<br> x) xxxx Combined annual taxes are due in the amount of $x,xxx.xx till xx/xx/xxxx.<br> x) xxxx Combined annual taxes had been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year delinquent taxes had been found pending. | Review of payment history as of dated xx/xx/xxxx shows that the borrower is not making regular payments. The loan payments are currently xx months delinquent. The next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the total amount of $x,xxx.xx for the due date of xx/xx/xxxx. The unapid principal balance as per tape data is in the amount of $xxx,xxx.xx. The current interest rate is x.xxx% with P&I in the amount of $x,xxx.xx. <br> The borrower is currently making payments as per modification agreement made on effective date of xx/xx/xxxx. | Collections Comments:Collection comments available from xx/xx/xxxx till xx/xx/xxxx shows that the borrower is not making regular payments. The loan payments are currently xx months delinquent. The next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the total amount of $x,xxx.xx for the due date of xx/xx/xxxx. The unpaid principal balance as per tape data is in the amount of $xxx,xxx.xx. The current interest rate is x.xxx% with P&I in the amount of $x,xxx.xx. <br> The borrower is currently making payments as per modification agreement made on effective date of xx/xx/xxxx.<br> The borrower agree to pay the UPB of $xxx,xxx.xx with interest rate of x.xxx % and P&I of $x,xxx.xx with fixed amortized type beginning from first payment date xx/xx/xxxx and ends with the maturity date of xx/xx/xxxx.<br> Available collection comments shows that the foreclosure was initiated in the loan and the file was referred to attorney on xx/xx/xxxx. Collection comment dated xx/xx/xxxx shows that the foreclosure sale was scheduled for xx/xx/xxxx; however, the foreclosure process was put on hold due to borrower filing bankruptcy.<br> The borrower xx had filed bankruptcy under chapter xx with case#xx on xx/xx/xxxx. The plan has not been confirmed yet.<br> Latest collection comment dated xx/xx/xxxx shows that the subject property is owner occupant with no visible damages or repairs. <br>Foreclosure Comments:Available collection comments shows that the foreclosure was initiated in the loan and the file was referred to attorney on xx/xx/xxxx. Collection comment dated xx/xx/xxxx shows that the foreclosure sale was scheduled for xx/xx/xxxx; however, the foreclosure process was put on hold due to borrower filing bankruptcy on xx/xx/xxxx.<br> Bankruptcy Comments:The borrower xx had filed bankruptcy under chapter xx with case#xx on xx/xx/xxxx. The plan has not been confirmed yet.<br> The POC was filed on xx/xx/xxxx in the POC amount of $xxx,xxx.xx with arrearage in the amount of $xx,xxx.xx. | Loan Modification agreement was made between borrower "xx", with lender "xx." on effective date xx/xx/xxxx. <br> The borrower agree to pay the UPB of $xxx,xxx.xx with interest rate of x.xxx % and P&I of $x,xxx.xx with fixed amortized type beginning from first payment date xx/xx/xxxx and ends with the maturity date of xx/xx/xxxx. | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Origination Appraisal<br> Right of Rescission | xx | 2: Acceptable with Warnings |  |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "An appraisal report is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "Following are the required state disclosure missing from the loan file;<br> Commitment Requirement/Anti-Tying<br> TILA Disclosures in Spanish<br> Home Equity Consumer Disclosure<br> Home Equity Loan Interest and Fees Preclosing Disclosure <br> Home Equity Loan Copies of Documents<br> Home Equity Loan Rescission Notice<br> Fair Market Value of Homestead Property Acknowledgment<br> Home Equity Loan Notice of Address for Borrower Notification of Violation<br> Collateral Protection Insurance Disclosure<br> Non-Deposit Investment Product Disclosure Are there any promotional materials?<br> Insurance Solicitation/Post Commitment Requirement"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Required affiliated business disclosure is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:<br> Date:<br> Type:BPO | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 47329965 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ??.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 85.000% | 85.000% | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As of xx/xx/xxxx updated title report, the subject mortgage was originated on xx.<br> There is a junior lien recorded on xx/xx/xxxx in the amount of $xx,xxx.xx in the favor of xx.<br> Active judgments or Liens;<br> There is credit card lien recorded on xx/xx/xxxx in the amount of $xxxx.xx and in the favor of xx.<br> There is Civil Judgment recorded on xx/xx/xxxx in the amount of $xxx.xx and in the favor of xx.<br> xxxx county taxes are paid in the amount of $xxx.xx and $xxx.xx respectively. xxxx county and city taxes are Due in the amount of $xxx.xx and $xxx.xx respectively. The annual taxes are in the amount of $xxxx.xx. | As of xx/xx/xxxx payment history, the borrower has been delinquent for xx months and next payment due date was for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied for the due date of xx/xx/xxxx.<br> As per the deferment agreement found at the location (xx), which had been made on xx/xx/xxxx. The amount of $x,xxx.xx is stated to be deferred and would be payable at the time of loan maturity date of xx/xx/xxxx.<br> As per the Notice of payment change dated xx/xx/xxxx, the new total payment is $xxx.xx, escrow has increased from $xxx.xx to $xxx.xx. | Collections Comments:As per the collection comments , the loan is currently in active bankruptcy and next payment due date was for xx/xx/xxxx.<br> As per the payment history dated as of xx/xx/xxxx, the last payment had been received on xx/xx/xxxx in the amount of $xxx.xx, which has been applied for the due date of xx/xx/xxxx, the next due date is xx/xx/xxxx. Currently the borrower is xx months behind his scheduled payments.The reason for default had been stated as Curtailment of Income by the borrower, foreclosure has already been initiated and sale date has been scheduled for xx/xx/xxxx, however the loan had been modified with a Deferment agreement on xx/xx/xxxx.<br> Borrower had filed chapter xx bankruptcy on xx/xx/xxxx with case # xx and plan has been confirmed on xx/xx/xxxx. As per the POC document dated xx/xx/xxxx the secured claim amount was $xx,xxx.xx and arrears amount of $x,xxx.xx. As per the confirmed plan borrower shall pay direct mortgage payments of $xxx.xx and for the arrears amount of $xxxx.xx shall pay monthly $xxx.xx with x% interest.<br> On xx/xx/xxxx an administrative order modifying plan has been filed in the bankruptcy and is currently in review process.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Borrower had filed chapter xx bankruptcy on xx/xx/xxxx with case # xx and plan has been confirmed on xx/xx/xxxx. The POC was filed on xx/xx/xxxx with the secured claim amount of $xx,xxx.xx and arrears amount of $x,xxx.xx. As per the confirmed chapter xx plan, the debtor shall pay to the trustee the sum of $xxx.xx monthly for xx months.<br>| Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Credit Report<br> Missing Required State Disclosures<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final application is missing from the loan files."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "The CE risk indicator is moderate as This loan failed the interest rate test and brokerage/finder fee test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the interest rate test.<br> The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the<br> property is located.<br> This loan failed the brokerage/finder fee test. (xx)<br> The mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount. Under the Tennessee Rules and<br> Regulations, brokerage fee is synonymous with finder fee."<br> \* Missing credit report (Lvl 2) "credit report missing in loan file."<br> \* Missing Required Disclosures (Lvl 2) "The list of service providers is missing in the loan files."<br> \* Missing Required State Disclosures (Lvl 2) "The required TN state disclosures are missing from the loan files.<br> Placement of Insurance Disclosure<br> Availability of Title Insurance<br> TN Consent to Disclosure of Insurance Information<br> Choice of Agent/insure<br> Insurance Solicitation/Post Commitment.""<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "The service transfer disclosure is missing in the loan files."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "The Affiliated business disclosure is missing in the loan files."<br> \* ROR not hand dated by borrower(s) (Lvl 2) "ROR is not hand dated by the borrower."<br> \* TIL not hand dated (Lvl 2) "Final TIL is not hand dated by the borrower." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 20389014 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Missouri | xx | xx | xx | Missouri | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.? | ?.??% | 480 |  | xx | xx |  | Conventional | ARM |  | Cash Out | Unavailable | Unavailable | Unavailable |  |  |  |  | Not Applicable |  | Not Applicable | Single Family | xx | Unavailable | Primary | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxx.xx | Not Applicable | Not Applicable | xx/xx/xxxx | Financial Hardship | According to updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> The chain of assignment has been completed. Currently, the mortgage assignment is with xx.<br> There are judgments these are as follows:<br> x) There is a civil judgment against xx in the favor of xx in the amount of $xxx.xx which was recorded on xx/xx/xxxx.<br> x) There is a civil judgment againstxx in the favor of xx. in the amount of $x,xxx.xx which was recorded on xx/xx/xxxx.<br> x) There is a civil judgment against xx in the favor of xx, as assignee of xx in the amount of $xxx.xx which was recorded on xx/xx/xxxx.<br> xxxx combined annual taxes have been paid in the amount of $xxx.xx. | The Payment History dated as of xx/xx/xxxx reveals that the borrower has been the delinquent from xx/xx/xxxx to till date. The delinquency has been done for x months. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx and it was applied for the due date xx/xx/xxxx. The current P&I is $xxx.xx and rate of interest is x.xxx%. The current unpaid principal balance is in the amount of $xx,xxx.xx. The last payment was made by borrower as per the Note and loan extention agreement which was made on xx/xx/xxxx. The loan is ARM. | Collections Comments:Available servicing comment and documents in file reveal that loan is in bankruptcy.<br> The Payment History dated as of xx/xx/xxxx reveals that the borrower has been the delinquent from xx/xx/xxxx to till date. The delinquency has been done for x months. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx and it was applied for the due date xx/xx/xxxx. The current P&I is $xxx.xx and rate of interest is x.xxx%. The current unpaid principal balance is in the amount of $xx,xxx.xx. <br> According to the PACER, the xx (borrower) had filed for bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. Schedule D in voluntary petition dated xx/xx/xxxx states, the amount of claim without deducting value of collateral was $xx,xxx.xx and value of collateral that support for this claim was $xxx,xxx.xx. However, unsecured portion remained as $x.xx. POC was filed by xx on xx/xx/xxxx, in the secured claim amount $xxx,xxx.xx and an arrearage in the amount of $x,xxx.xx.The POC shows the value of property was $xx,xxx.xx. Chapter xx plan was filed on xx/xx/xxxx. Amended plan was filed on xx/xx/xxxx, which states that arrearage was included in the plan for the amount of $x,xxx.xx and regular payment will pay directly to creditor. This plan was confirmed on xx/xx/xxxx. Trustee Motion Dismiss Case for Default in Plan Payments was filed on xx/xx/xxxx. Last filling was xx/xx/xxxx.<br> Available servicing comment and documents in file reveal that loan is in foreclosure since xxxx. Foreclosure was referred to attorney which was completed on xx/xx/xxxx. But foreclosure was put on hold due to borrower had filed bankruptcy under chapter xx with the case #xx on date xx/xx/xxxx.<br> According to collection comment, no damages or repairs have been found.<br> According latest exterior BPO report dated xx/xx/xxxx, the subject property was occupied by owner and the property was in average condition. The property had damages and Estimated repairs cost for loose siding noted $xxx.xx. There ia also repairs cost required for carport post replacements in the amount of $xxx.xx and also repair cost required for yard cleanup in the amount of $xxx.xx. Total estimates repairs cost have been notes in the amount of $x,xxx.xx.<br> Foreclosure Comments:Available servicing comment and documents in file reveal that loan is in foreclosure since xxxx. Foreclosure was referred to attorney which was completed on xx/xx/xxxx. But foreclosure was put on hold due to borrower had filed bankruptcy under chapter xx with the case #xx on date xx/xx/xxxx. Currently, loan is active in bankruptcy.<br> Bankruptcy Comments:According to the PACER, the xx(borrower) had filed for bankruptcy under chapter-xx with the case#xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. Schedule D in voluntary petition dated xx/xx/xxxx states, the amount of claim without deducting value of collateral was $xx,xxx.xx and value of collateral that support for this claim was $xxx,xxx.xx. However, unsecured portion remained as $x.xx. POC was filed by xx on xx/xx/xxxx, in the secured claim amount $xxx,xxx.xx and an arrearage in the amount of $x,xxx.xx.The POC shows the value of property was $xx,xxx.xx. Chapter xx plan was filed on xx/xx/xxxx. Amended plan was filed on xx/xx/xxxx, which states that arrearage was included in the plan for the amount of $x,xxx.xx and regular payment will pay directly to creditor. This plan was confirmed on xx/xx/xxxx. Trustee Motion Dismiss Case for Default in Plan Payments was filed on xx/xx/xxxx. Last filling was xx/xx/xxxx. | Modification by Extension Agreement was executed on xx/xx/xxxx by borrower. At the time of the modification there was an outstanding balance of $xxx,xxx.xx. Due to temporary hardship, estimated $x,xxx.xx of past due interest was moved to the end of the loan. No change to payment or apr on the loan. This agreement does not change the rate or APR on loan. | Credit Application<br> Credit Report<br> Missing Required Disclosures<br> Origination Appraisal | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final Application is missing from the loan file."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "ComplianceEase Risk Indicator is Moderate due to loan failed the first lien prohibited fees test"<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the first lien prohibited fees test. Loan data is $3,988.99, Comparison data is $0.00 and variance is +$3,988.99"<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file."<br> \* Missing credit report (Lvl 2) "credit report missing in loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Service Providers disclosure is missing from the loan file."<br> \* ROR not hand dated by borrower(s) (Lvl 2) "ROR is not hand dated by borrower." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $1200.00 | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 19162608 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | Second |  | ? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 11 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | 79.422% | 79.422% | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Unavailable | Unavailable | Not Applicable | Not Applicable | Unavailable | Unavailable | The review of the updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx.<br> The chain of the assignment has been completed. Currently, the mortgage is with xx.<br> x) There is active Municipal Lien (Real Estate Tax Lien) on the subject property. Which was recorded on xx/xx/xxxx in favor of xx in the amount of $xxxx.xx.<br> The annual county and town taxes of xxxx have been paid in the amount of $xxxx.xx. xxxx/xxxx School annual taxes are due in the amount of $xxxx.xx for the due date xx/xx/xxxx. No delinquent taxes has been found for the prior year. | The review of payment history shows that the borrower is delinquent for xx months and next due date for the payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx for due date xx/xx/xxxx. The UPB is reflected in the amount of $xxx,xxx.xx till the due date of xx/xx/xxxx. The borrower has been making the payments as per the modification agreement.  | Collections Comments:According to servicing comments, the loan is currently in active bankruptcy. The borrower had filed bankruptcy under chapter xx with the case #xx-xxxxx on xx/xx/xxxx and the plan was not confirmed. The proof of claim was filed on xx/xx/xxxx with the claim amount of $xxx,xxx.xx and the amount of arrearage is $xx,xxx.xx. <br> The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. The foreclosure complaint was filed on xx/xx/xxxx. The comment dated xx/xx/xxxx indicates that the foreclosure sale was scheduled on xx/xx/xxxx. However, the foreclosure was put on hold due to the borrower had filed bankruptcy under chapter xx with the case #xx on xx/xx/xxxx.<br> Unable to determine the reason for default as per servicing comments. The review of payment history shows that the borrower is delinquent for xx months and next due date for the payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx for due date xx/xx/xxxx. The UPB is reflected in the amount of $xxx,xxx.xx till the due date of xx/xx/xxxx. The borrower has not been making the payments as per the modification agreement. <br> The comment dated xx/xx/xxxx states that the litigation was filed. the foreclosure was put on hold. However, no details were found regarding the litigation. Further information is not available to confirm whether the litigation hold was removed. <br> The latest property inspection report is not available in the loan file to determine current property condition.<br>Foreclosure Comments:According to servicing comments, the foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. The foreclosure complaint was filed on xx/xx/xxxx. The comment dated xx/xx/xxxx indicates that the foreclosure sale was scheduled on xx/xx/xxxx. However, the foreclosure was put on hold due to the borrower had filed bankruptcy under chapter xx with the case #xx on xx/xx/xxxx.<br> Bankruptcy Comments:The borrower had filed bankruptcy under chapter xx with the case #xx on xx/xx/xxxx and the plan was not confirmed. The proof of claim was filed on xx/xx/xxxx with the claim amount of $xxx,xxx.xx and the amount of arrearage is $xx,xxx.xx.  | This is a conventional fixed rate mortgage with P&I of $xxxx.xx with the rate of interest x.xx% and a maturity date of xx/xx/xxxx. The P&I as per latest payment history is the $xxx.xx and rate of interest is x.xxx%, however, there is a reduction in P&I and rate of interest with respect to Note data which seems that there would be a possible modification. <br> However, Modification agreement is missing in the loan file.<br>QCer note: Original Note is ARM...there are not any executed modification agreements in BOX | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final application is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow acct disclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2) "The operative index value source could not be found in the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "The affiliated business form disclosure is missing from the loan file."<br> \* TIL not hand dated (Lvl 2) "Final TIL is not hand dated by borrowers." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 63280678 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ??.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Unavailable | No | Unavailable | Unavailable | Unavailable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.x | Not Applicable | xx.xx% | xxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx.<br> The chain of assignment has been not completed. Currently, the assignment is from xx.<br> Series xxxx-KSx, xx. The correct assignment should be with xx.<br> There is one junior mortgage against the subject property in favor of xx for the amount of xx.<br> The xxxx annual taxes are paid for the amount of $x,xxx.xx.<br> The xxxx annual taxes are due for the amount of $x,xxx.xx due on xx/xx/xxxx.<br> No prior delinquent taxes has been found.<br>| According to payment history as of dated xx/xx/xxxx, the borrower delinquent more than xx months and next due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx for the amount of $xxx.xx which was applied on xx/xx/xxxx. The new UPB is reflected in the payment history for the amount of $xxxxx.xx. However, the borrower making payment as per modification agreement rate.<br>| Collections Comments:According to servicing comment as of dated xx/xx/xxxx, the loan currently is in bankruptcy and next due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx for the amount of $xxx.xx which was applied on xx/xx/xxxx. The new UPB is reflected in the payment history for the amount of $xxxxx.xx. However, the borrower making payment as per modification agreement rate.<br> The reason for default is borrower loss the job.<br> The loan has been modified once since origination. The borrower has been making the payments as per the loan modification agreement which was made on xx/xx/xxxx between the borrower xx and lender xx. According to the modified terms, the new principal balance is in the amount of $xx,xxx.xx. The borrower promises to make payments the P&I of $xxx.xx with interest rate xx.xxx% beginning from xx/xx/xxxx till the maturity xx/xx/xxxx.<br> The borrower filed bankruptcy chapter xx with case#xx on xx/xx/xxxx. The POC was filed on xx/xx/xxxx for the total secured claim amount os $xx,xxx.xx and total arrearage amount of $xx,xxx.xx. As per amended chapter xx.plan, the amount of the claim to be paid through chapter xx plan is $xx,xxx.xx and arrearage in the amount $xx,xxx.xx, which would be paid by the trustee in installments for xx months.<br> As per the inspection report dated xx/xx/xxxx located at "xx", the subject property is unknown occupied with good condition. No damage and repairs are found.<br> As per servicing comment dated as of dated xx/xx/xxxx, the subject property was damaged. The comment dated xx/xx/xxxx, the FEMA disaster occurred in taxes to hurricane Harvey dated on xx/xx/xxxx. The comment dated xx/xx/xxxx, the loss amount is $xx,xxx and loss date xx/xx/xxxx. As per comment at xx/xx/xxxx, the MI coverage has been canceled. As per commend dated xx/xx/xxxx, the type of loss is wind or hail damage for the amount of $x,xxx.xx. The comment dated xx/xx/xxxx, the repair has been completed and xx% repairs pending. The bedroom ceiling and living the room door. The roof damaged for the amount of $xxxx and the check was approved for the amount of $xxxx.xx. As per comment dated xx/xx/xxxx, the inside home has been repaired and roof damaged was repaired. The nature of the damage is unavailable. No details were found regarding the insurance claim. The latest BPO reports are not available.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to PACER report, the borrower xx, had filed bankruptcy under chapter xx with case#xx on xx/xx/xxxx. The plan has not been confirmed yet. <br> The POC was filed on xx/xx/xxxx for the total secured claim amount os $xx,xxx.xx and total arrearage amount of $xx,xxx.xx. As per amended chapter xx.plan, the amount of the claim to be paid through chapter xx plan is $xx,xxx.xx and arrearage in the amount $xx,xxx.xx, which would be paid by the trustee in installments for xx months.<br>| The loan has been modified once since origination. The borrower has been making the payments as per the loan modification agreement which was made on xx/xx/xxxx between the borrower xx and lender xx. According to the modified terms, the new principal balance is in the amount of $xx,xxx.xx. The borrower promises to make payments the P&I of $xxx.xx with interest rate xx.xxx% beginning from xx/xx/xxxx till the maturity xx/xx/xxxx.<br>| Affiliated Business Disclosure<br> Credit Application<br> Credit Report<br> Final Truth in Lending Discl.<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Mortgage Insurance<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 3: Curable |  | \* Not all borrowers signed HUD (Lvl 3) "The final HUD-1 is available in the loan file; however, it is not signed by borrower." | \* Application Missing (Lvl 2) "The final application is missing from the loan file."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed the TILA APR test<br> The annual percentage rate (APR) is 12.554%. The disclosed APR of 0.000% is not considered accurate because it is more than<br> 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br> This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is<br> located.<br> This loan failed the prepayment term test.<br> The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the<br> property is located."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the late fees test : loan data 6.000% Comaprison data 5.000% Variance +1.000%<br> This loan failed the prepayment term test : loan data 36 Months, Comaprison data 0 Months, Variance 36 Months."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA APR test : loan data 0.000%, Comparison data 12.554%, Variance-12.554%."<br> \* Final TIL Missing or Not Executed (Lvl 2) "The final TIL is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure is missing from the loan file."<br> \* MI, FHA or MIC missing and required (Lvl 2) "LTV is 90.000% which is greater than 80.000%, hence MI certificate is required; however, it is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "An appraisal report is missing from the loan file."<br> \* Missing credit report (Lvl 2) "credit report missing in loan file."<br> \* Missing Required Disclosures (Lvl 2) "The list of service provider document is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in Texas State. The following required state disclosures are missing from the loan file.<br>1.TX Loan Agreement Notice<br> 2.Commitment Requirement/Anti-Tying<br> 3.TILA Disclosures in Spanish<br> 4.Home Equity Consumer Disclosure<br> 5.Home Equity Loan Interest and Fees Preclosing Disclosure <br> 6.Home Equity Loan Copies of Documents<br> 7.Home Equity Loan Rescission Notice<br> 8.Fair Market Value of Homestead Property Acknowledgment<br> 9.Home Equity Loan Notice of Address for Borrower Notification of Violation<br> 10.Choice of Insurance Notice<br> 11.Collateral Protection Insurance Disclosure<br> 12.Non-Deposit Investment Product Disclosure Are there any promotional materials?<br> 13.Insurance Solicitation/Post Commitment Requirement"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "The notice of servicing transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "The required affiliated business disclosure is missing from the loan file." |  | Moderate | Not Covered | Fail | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $9392.58 | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 85660488 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | Yes | Yes | Not Applicable | Other |  | ? | ????.?? | Unavailable | xx | Yes | Bankruptcy | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | ???.? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | Unavailable | Unavailable | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | Unavailable | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | Not Applicable | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | According to updated title report datedx/xx/xxxx, the subject mortgage was originated on xx.<br> The chain of assignment is incomplete as there is break in assignment from xx. Currently, the mortgage assignment is with xx.<br> There is a junior mortgage (Bond) open against the subject property in favor of xx in the amount of $xx,xxx.xx which was recorded on xx/xx/xxxx.<br> There liens and judgments these are as follows:<br> x) There is a civil judgment against borrower in the favor of in the amount of xx $x,xxx.xx which was recorded on xx/xx/xxxx.<br> x) There are two State Tax lien against the borrower in the favor of xx in the total amount of $x,xxx.xx which were recorded on xx/xx/xxxx and xx/xx/xxxx.<br> x) There is a civil judgment against borrower in the favor of xx in the amount of $xxx.xx which was recorded on xx/xx/xxxx.<br> x) There are two ECB liens against the subject property in the favor of xx in the total amount of $xxx.xx which were recorded on xx/xx/xxxx.<br> Tax Status:<br> xxxx City xst installment taxes have been paid in the amount of $xxx.xx.<br> xxxx City xnd installment taxes are due on xx/xx/xxxx in the amount of $xxx.xx.<br> xxxx City xrd installment taxes are due on xx/xx/xxxx in the amount of $xxx.xx.<br> xxxx City xth installment taxes are due on xx/xx/xxxx in the amount of $xxx.xx.<br> Utilities annual charges for xxxx was due in the amount of $xx,xxx.xx which was good through on xx/xx/xxxx.<br> As per tape data the mortgage loan amount is $xx,xxx.xx; It should be $xx,xxx.xx as per Note and Mortgage. | The Payment History dated as of xx/xx/xxxx reveals that the borrower has been the delinquent from xx/xx/xxxx to till date. The delinquency has been done for xxx months. The last payment was made in the amount of $xxx.xx and it was applied for the due date xx/xx/xxxx. The current P&I is $xxx.xx and rate of interest is x.xxx%. The current unpaid principal balance is in the amount of $xx,xxx.xx. The last payment was made by borrower as per the loan modification agreement which was made on xx/xx/xxxx. | Collections Comments:Available servicing comment and documents in file reveal that loan is in foreclosure.<br> The Payment History dated as of xx/xx/xxxx reveals that the borrower has been the delinquent from xx/xx/xxxx to till date. The delinquency has been done for xxx months. The last payment was made in the amount of $xxx.xx and it was applied for the due date xx/xx/xxxx. The current P&I is $xxx.xx and rate of interest is x.xxx%. The current unpaid principal balance is in the amount of $xx,xxx.xx. The last payment was made by borrower as per the loan modification agreement which was made on xx/xx/xxxx.<br> Available servicing comment and documents in file reveal that loan is in foreclosure since xxxx. Foreclosure was referred to attorney which was completed on xx/xx/xxxx. Foreclosure the lis pendens was filed was filed on xx/xx/xxxx with case # xx and complaint was filed on xx/xx/xxxx. The foreclosure was put on hold due to contested/ litigation matter.<br> The lis pendens was filed again on xx/xx/xxxx with same case. Foreclosure sale was scheduled for xx/xx/xxxx. But foreclosure was put on hold due to borrower had filed bankruptcy under chapter xx with the case #xx on date xx/xx/xxxx.<br> According to the PACER, the xx (borrower) had filed for bankruptcy under chapter-x with the case# xx on xx/xx/xxxx. The case was converted from chapter xx to chapter x completed on xx/xx/xxxx. Motion for Relief From Stay was filed on xx/xx/xxxx and order was granted on the motion xx/xx/xxxx. Currently, bankruptcy is in loss mitigation from xx/xx/xxxx to xx/xx/xxxx. As per doc#xx dated on xx/xx/xxxx states that loss mitigation status hearing is scheduled for xx/xx/xxxx. Last filling was xx/xx/xxxx.<br> According to collection comment, no damages or repairs have been found.<br> According latest exterior BPO report dated xx/xx/xxxx, the subject property was occupied by unknown and the property was in average condition. No damages and estimated repairs have been noted.<br> Foreclosure Comments:Available servicing comment and documents in file reveal that loan is in foreclosure since xxxx. Foreclosure was referred to attorney which was completed on xx/xx/xxxx. Foreclosure the lis pendens was filed was filed on xx/xx/xxxx with case # xx and complaint was filed on xx/xx/xxxx. The foreclosure was put on hold due to contested/ litigation matter.<br> The lis pendens was filed again on xx/xx/xxxx with same case. Foreclosure sale was scheduled for xx/xx/xxxx. But foreclosure was put on hold due to borrower had filed bankruptcy under chapter xx with the case #xx on date xx/xx/xxxx. currently, bankruptcy is in loss mitigation from xx/xx/xxxx to xx/xx/xxxx. As per doc#xx dated on xx/xx/xxxx states that loss mitigation status hearing is scheduled for xx/xx/xxxx. Last filling was xx/xx/xxxx.<br> Bankruptcy Comments:According to the PACER, the xx (borrower) had filed for bankruptcy under chapter-x with the case# xx on xx/xx/xxxx. The case was convesrted from chapter xx to chapter x completed on xx/xx/xxxx. Motion for Relief From Stay was filed on xx/xx/xxxx and order was granted on the motion xx/xx/xxxx. Currently, bankruptcy is in loss mitigation from xx/xx/xxxx to xx/xx/xxxx. As per doc#xx dated on xx/xx/xxxx states that loss mitigation status hearing is scheduled for xx/xx/xxxx. Last filling was xx/xx/xxxx. | The loan modification agreement was made between xx(Borrower) and xx(Lender) on xx/xx/xxxx with the new modified unpaid principal balance is $xx,xxx.xx. The interest bearing amount was $xx,xxx.xx with interest rate x.xxx% and the modified P&I was $xxx.xx. The first modified payment due date was xx/xx/xxxx and the maturity date will be xx/xx/xxxx. | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1/settlement statement along with estimated HUD-1 / itemization of fees are missing from the loan file." | \* Application Missing (Lvl 2) "Final application is missing from the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing form the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal Report is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Service Providers disclosure is missing form the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in New York state. Following state disclosure are missing from the loan file, which are required in NY state.<br> 1) NY Consumer Credit Disclosure / Fair Credit Reporting Notice<br> 2) NY Interest Rate Disclosure<br> 3) NY Hazard Insurance Disclosure<br> 4) Tax Escrow Account Designation<br> 5) Mortgage Bankers and Exempt Organizations Pre application<br> 6) Lock-in Disclosure<br> 7) Expiration of Lock-in or Commitment Period<br> 8) New York Real Property Escrow Account Disclosure<br> 9) Commitment Disclosure"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of Servicing Transfer disclosure is missing form the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business form disclosure is missing form the loan file." |  |  |  |  |  |  |  |  |  | Value:Unavailable<br> Date:Unavailable<br> Type:Unavailable | Value:Unavailable<br> Date:Unavailable<br> Type:Unavailable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 12049549 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | Yes | Borrower is Contesting Foreclosure | Chapter 13 | xx | Not Applicable | Not Applicable | xx | ????.?? | ????.?? | ??.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 100.000% | 100.000% | Full Documentation | No | Unavailable | Unavailable | Unavailable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 77.489% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx.<br> The chain of the assignment has been completed. Currently, the assignment is from xx. which was recorded on xx/xx/xxxx. <br> There is one junior Hospital, Medical or attorney lien against the borrower xx in favor of xx for the amount of $x,xxx.xx which was recorded on xx/xx/xxxx.<br> The xxxx and xxxx annual school and combined annual taxes have been paid for the amount of $x,xxx.xx. <br> No, any prior delinquent taxes are available.. | According to payment history as of dated xx/xx/xxxx, the borrower delinquent for more than xxx days and next due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx for the amount of $xxx.xx with interest rate x.xx% which was applied for the due date xx/xx/xxxx. The new UPb reflected for the amount of $xxx,xxx.xx. However, the borrower making payment as per previous modification located at "xx" made on xx/xx/xxxx. The latest modification located at "xx" made on xx/xx/xxxx. | Collections Comments:The loan is active in foreclosure and next due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx for the amount of $xxx.xx with interest rate x.xx% which was applied for the due date xx/xx/xxxx. The new UPb reflected for the amount of $xxx,xxx.xx. <br> The reason for default is unemployment and curtailment income. The borrower wants to keep the property and willing to do some workout plan like modification or forbearance to make the loan current.<br> The loan was modified twice origination. The borrower making payment as per previous modification located at "xx" made on xx/xx/xxxx. The last payment was received on xx/xx/xxxx for the amount of $xxx.xx with interest rate x.xx% which was applied for the due date xx/xx/xxxx.<br> The latest modification located at "xx" made on xx/xx/xxxx between the borrower xx and xx. According to the modified term, the new principal balance is $xxx,xxx.xx. The deferred amount is $xx,xxx.xx and interest-bearing amount is $xxx,xxx.xx. The borrower promise to pay for the amount of $xxx.xx with interest rate x.xxx% beginning on xx/xx/xxxx till maturity date xx/xx/xxxx.<br> The foreclosure was initiated. The referred to an attorney filed on xx/xx/xxxx and complaint was filed on xx/xx/xxxx. However, the foreclosure was put on hold because of a contested matter. As per comment dated xx/xx/xxxx, the contested matter was identified for additional fees for affirmative defenses. The contested matter was completed on xx/xx/xxxx. As per comment dated xx/xx/xxxx, the litigation action was filed on xx/xx/xxxx. The litigation matter was completed on xx/xx/xxxx. Also, the latest servicing comment does not reflect regarding litigation information. No further details are found.<br> The borrower xx filed bankruptcy under the chapter xx with Case#xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. The debtor promise to pay for trustee for the amount of $xxx for xx months. The motion for relief from automatic stay was filed on xx/xx/xxxx. The schedule-D in Voluntary petition shows $x,xxx.xx as unsecured portion out of claim amount $xxx,xxx.xx and collateral value is $xxx,xxx.xx. The POC was filed by xx. for the total claim amount is $xxx,xxx.xx and total arrearage amount is $x,xxx.xx. The trustee final report filed on xx/xx/xxxx (DOC#xx) shows the total debtor paid for the amount of $xx,xxx.xx and less refund for the amount of $x,xxx.xx.The case was discharged on xx/xx/xxxx and terminated on xx/xx/xxxx.<br> As per the latest inspection report dated xx/xx/xxxx, the subject property is owner-occupied. The need for exterior repairs for siding paint, and trim for the total amount of $x,xxx.As per the comment dated xx/xx/xxxx, the subject property is average condition and need to estimate repairs for the amount of $xk for exterior repairs. The nature of the damage is unavailable. No details were found regarding the insurance claim. Details regarding repairs are unavailable. The borrower wants to keep the property and willing to do some workout plan like modification or forbearance to make the loan current.<br> As per latest comment dated xx/xx/xxxx, the real estate certification pages are fraud. No further details are found.<br> Foreclosure Comments:The foreclosure was initiated. The referred to an attorney filed on xx/xx/xxxx and complaint was filed on xx/xx/xxxx. However, the foreclosure was put on hold because of contested matter. As per comment dated xx/xx/xxxx, the contested matter was identified for additional fees for affirmative defenses. The contested matter was completed on xx/xx/xxxx. As per comment dated xx/xx/xxxx, the litigation action was filed on xx/xx/xxxx. The litigation matter was completed on xx/xx/xxxx. Also, the latest servicing comment does not reflect regarding litigation information. No further details are found.<br> Bankruptcy Comments:The borrower xx filed bankruptcy under the chapter xx with Case#xx on xx/xx/xxxx. The plan was confirmed on x./xx/xxxx. The debtor promise to pay for trustee for the amount of $xxx for xx months. The motion for relief from automatic stay was filed on xx/xx/xxxx. The schedule-D in Voluntary petition shows $x,xxx.xx as unsecured portion out of claim amount $xxx,xxx.xx and collateral value is $xxx,xxx.xx. The POC was filed by xx. for the total claim amount is $xxx,xxx.xx and total arrearage amount is $x,xxx.xx. The trustee final report filed on xx/xx/xxxx (DOC#xx) shows the total debtor paid for the amount of $xx,xxx.xx and less refund for the amount of $x,xxx.xx.The case was discharged n xx/xx/xxxx and terminated on xx/xx/xxxx. | The loan was modified twice origination. The borrower making payment as per previous modification located at "xx" made on xx/xx/xxxx. The last payment was received on xx/xx/xxxx for the amount of $xxx.xx with interest rate x.xx% which was applied for the due date xx/xx/xxxx.<br> The latest modification located at "xx" made on xx/xx/xxxx between the borrower xx and xx. According to the modified term, the new principal balance is $xxx,xxx.xx. The deferred amount is $xx,xxx.xx and interest-bearing amount is $xxx,xxx.xx. The borrower promise to pay for the amount of $xxx.xx with interest rate x.xxx% beginning on xx/xx/xxxx till maturity date xx/xx/xxxx.<br>| Affiliated Business Disclosure<br> Credit Report<br> HUD-x Closing Statement<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Mortgage Insurance | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1 is not signed by all borrowers. However, the point and fees are updated by as per itemization located at "xx " and lender closing instruction located at "xx." | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed the TILA finance charge test.<br> The finance charge is $347,612.15. The disclosed finance charge of $304,600.11 is not considered accurate because it is<br> understated by more than $100."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "TILA Finance Charge Test is failed as loan data is $304,600.11 and comparison data is $347,612.15 with variance of -$43,012.04"<br> \* DTI > 60% (Lvl 2) "Debt to Income ratio (DTI) is 77.489% which is greater than 60%; however we require it below 60%"<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure is missing from the loan file."<br> \* MI, FHA or MIC missing and required (Lvl 2) "This is a conventional loan type. The appraisal value is $133,000.00 and the sales price is $132,364.00. However, the LTV and CLTV exceed 100% which is greater than 80%.MI is required but missing from loan the files."<br> \* Missing credit report (Lvl 2) "credit report missing in loan file."<br> \* Missing Required Disclosures (Lvl 2) "The list of service provider document is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in New York State. The following state disclosures are missing from the loan file.<br>1.NY Consumer Credit Disclosure / Fair Credit Reporting Notice<br> 2.NY Interest Rate Disclosure<br> 3.NY Hazard Insurance Disclosure<br> 4.Tax Escrow Account Designation<br> 5.Mortgage Bankers and Exempt Organizations Preapplication<br> 6.Part 80 Disclosure<br> 7.Alternative Mortgage Transaction Disclosures<br> 8.Co-Signer Notice Requirements<br> 9.Default Warning Notice<br> 10.Smoke Alarm Affidavit<br> 11.New York Real Property Escrow Account Disclosure<br> 12.Subprime Home Loan Counseling Disclosure<br> 13.Subprime Home Loan Tax and Insurance Payment Disclosure<br> 14.Subprime Home Loan Disclosure<br> 15.Commitment Disclosure<br> 16.Lock-in Disclosure<br> 17.Expiration of Lock-in or Commitment Period"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing from loan files." |  | Moderate | Not Covered | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $3000.00 | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 48677946 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | Yes | Not Applicable | Other | xx | ? | ???.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 42.625% | 42.625% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 33.238% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | Not Applicable | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | The Updated Title as of xx/xx/xxxx indicates the correct Borrower, that the Property Owner same as Borrower and the xx.<br> PER the Collection Comments dated xx/xx/xxxx, the Borrower contacted Servicer that xx were Foreclosing for past due Association Fees (NJ is a Super Lien State),and the Court date was said to be xx/xx/xxxx. <br> The legal description is inconsistent from vesting deed to mortgage, as per the subject mortgage recorded on xx/xx/xxxx "xx" in the beginning, whereas Vesting deed recorded on xx/xx/xxxx has the legal with xx. Other lot, block and property address are matching. It looks like a scrivener error on the Mortgage instrument which could be cured through reformation. However, it doesn't affect the enforceability of the security instrument.<br>According to the updated title report dated xx/xx/xxxx the subject mortgage is at lower lien position as there are total xx HOA liens against subject property in favor of xx total in the amount of $xx,xxx.xx which were recorded in between xx/xx/xxxx-xx/xx/xxxx. The subject property is located in state of New Jersey which is super lien state. There is a risk of the property to be getting foreclosed due to above unpaid liens. This can be cure if above unpaid lien will paid in full with unpaid interest and late fees. | Review of updated payment history shows that the loan is in delinquency for x months and borrower is making his monthly payments. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx for the due date of xx/xx/xxxx with interest rate of x.xx%. The next due date is xx/xx/xxxx. The latest payment history reflect the UPB in the amount of $xx,xxx.xx. | Collections Comments:According to the comments the loan is in delinquency for x months and borrower is making his monthly payments. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx for the due date of xx/xx/xxxx with interest rate of x.xx%. The next due date is xx/xx/xxxx. The latest payment history reflect the UPB in the amount of $xx,xxx.xx.<br>According to the updated title report dated xx/xx/xxxx the subject mortgage is at lower lien position as there are total xx HOA liens against subject property in favor of xx total in the amount of $xx,xxx.xx which were recorded in between xx/xx/xxxx-xx/xx/xxxx. The subject property is located in state of New Jersey which is super lien state. There is a risk of the property to be getting foreclosed due to above unpaid liens. This can be cure if above unpaid lien will paid in full with unpaid interest and late fees.<br>The legal description is inconsistent from vesting deed to mortgage, as per the subject mortgage recorded on xx/xx/xxxx "xx" in the beginning, whereas Vesting deed recorded on xx/xx/xxxx has the legal with xx. Other lot, block and property address are matching. It looks like a scrivener error on the Mortgage instrument which could be cured through reformation. However, it doesn't affect the enforceability of the security instrument.<br>The property is occupied by the owner and no visible damages were reported to the property.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Since origination the loan was modified x times. First mod was made on xx/xx/xxxx located at "xx".<br> The Loan Modification agreement was made on an effective date of xx/xx/xxxx between "xx" (Lender). <br> The borrower had given promise to pay the UPB of $xx,xxx.xx. According to the mod the borrower promise to pay the interest rate of x.xx % with P&I $xxx.xx with Fixed amortized type and the first payment had begun from xx/xx/xxxx and ends with the maturity date of xx/xx/xxxx.<br>|  | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "CE Risk Indicator is "Moderate" as This loan failed the xx License prohibited fees test.<br> Prohibited Fees Test: FAIL loan data: $209.75 comparison data$0.00 variance:+$209.75"<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.<br> Prohibited Fees Test: FAIL loan data: $209.75 comparison data$0.00 variance:+$209.75<br> The loan does charge fee(s) not provided for in this act, which is prohibited.<br> A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)<br> discount points which may be labeled as an origination fee."<br> \* TIL not hand dated (Lvl 2) "Finals TIL is not hand dated by the borrower." |  | Moderate | Not Covered | Pass | No Result | Not Covered | Fail | No Result |  | Value:<br> Date:<br> Type:BPO | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 58052412 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Hawaii | xx | xx | xx | Hawaii | xx | xx | Yes | Yes | Not Applicable | First |  | ????.?? | ????.?? | Unavailable | Unavailable | No | Other | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 64.031% | 64.031% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | Not Applicable | Not Applicable | 44.365% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | According to updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> The chain of assignment has been completed. The latest assignment is with xx, which was recorded on xx/xx/xxxx; however, there is break in assignment from xx.<br> The senior mortgage has been released through the satisfaction agreement dated xx/xx/xxxx with instrument #xx.<br> No active judgments or liens have been found.<br> The combined xst installment taxes in xxxx were due on xx/xx/xxxx in the amount of $x,xxx.xx; however, it has became delinquent.<br> The combined xnd installment taxes in xxxx are due on xx/xx/xxxx in the amount of $x,xxx.xx.<br> The combined xst & xnd installment taxes in xxxx have been paid in the total amount of $x,xxx.x.<br>| According to the latest payment history, the borrower is delinquent for xx months and the next due date for the payment is xx/xx/xxxx. The last payment received information is not available. The current unpaid principal balance taken as per the tape data is $xxx,xxx.xx. The borrower has been making the payments as per the Modification agreement dated xx/xx/xxxx. | Collections Comments:According to the servicing comments, the loan is in the foreclosure and the next due date for the payment is xx/xx/xxxx. The last payment received information is not available. The current unpaid principal balance taken as per the tape data is $xxx,xxx.xx. The borrower has been making the payments as per the Modification agreement dated xx/xx/xxxx.<br> Recent comments do not validate any reason for default. <br> The loan had been modified on xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx with the interest rate of x.xxx%. The borrower promises to pay the monthly P&I of $x,xxx.xx beginning from xx/xx/xxxx. The maturity date will be on xx/xx/xxxx. The prior modification was made on xx/xx/xxxx.<br> The foreclosure was initiated in xxxx and the file was referred to an attorney on xx/xx/xxxx. However, the foreclosure is on hold due to a court delay as per the comments.<br> No evidence has been found in the latest xx months' servicing comments regarding the bankruptcy.<br> The comment dated xx/xx/xxxx shows that the subject property is owner-occupied.<br> According to the BPO report dated xx/xx/xxxx located at (xx), the subject property is owner occupied and is in average condition. The "As is Price" is xx.<br>Foreclosure Comments:The foreclosure was initiated in xxxx and the file was referred to an attorney on xx/xx/xxxx. However, the foreclosure is on hold due to court delay as per the comments.<br> Bankruptcy Comments:Not Applicable | This modification agreement was made between xx and xx, on xx/xx/xxxx.<br> The unpaid principal balance is $xxx,xxx.xx with the interest rate of x.xxx%. The borrower promises to pay the monthly P&I of $x,xxx.xx beginning from xx/xx/xxxx. The maturity date will be on xx/xx/xxxx.<br> The prior modification was made on xx/xx/xxxx. | Affiliated Business Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed the TILA finance charge test.<br> This loan failed the TILA foreclosure rescission finance charge test."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "TILA Finance Charge Test: FAIL, Loan Data: $499,779.27, Comparison Data: $500,240.87 and Variance: -$461.60.<br> This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))<br> The finance charge is $500,240.87. The disclosed finance charge of $499,779.27 is not considered accurate because it is<br> understated by more than $100.<br>TILA Foreclosure Rescission Finance Charge Test: FAIL, Loan Data: $499,779.27, Comparison Data: $500,240.87 and Variance: -$461.60.<br> This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR<br> §226.23(h))<br> The finance charge is $500,240.87. The disclosed finance charge of $499,779.27 is not considered accurate for purposes of<br> rescission because it is understated by more than $35."<br> \* Missing Required Disclosures (Lvl 2) "List of Service Providers is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in Hawaii State. The below required state disclosure is missing from the loan file:<br> 1. Reciprocal Beneficiary/ Civil Union Addendum to Uniform Residential Loan Application."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Disclosure is missing from the loan file."<br> \* Settlement date is different from note date (Lvl 2) "According to the HUD-1, the settlement date is xx/xx/2003; however, the loan origination date is xx/xx/2003." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 27714665 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | Yes | Yes | Not Applicable | Other | xx | ??.?? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 480 |  | xx | xx |  | Conventional | Fixed |  | Refinance | Unavailable | Unavailable | Full Documentation |  |  |  |  | Not Applicable |  | Not Applicable | Single Family | Not Applicable | Not Applicable | Primary | Not Applicable | Not Applicable | Not Applicable | 481 | 475 | 173.781% | First | Unavailable | Not Applicable | Unavailable | xx/xx/xxxx | xxxxxx | Not Applicable | x.xx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | According to updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> The chain of the assignment has been completed. Currently the assignment is with xx, which was recorded on xx/xx/xxxx. <br> The subject mortgage is at lower lien position as there are total x active HOA Lien against the subject property in the favor of xx for the total amount of $xxxxx.x which was recorded on different date. <br> There is an active junior civil judgment against the borrower xx in the favor of xx for the amount of xx, which was recorded on xx/xx/xxxx.<br> There is an active junior civil judgment against the borrower xx for the amount of $x.xx which was recorded on xx/xx/xxxx. <br> The partial payment has been made for county first installment taxes for the year xxxx-xxxx in the amount of $xxxx.xx and the second installment taxes have delinquent balance in the amount of $xx.xx which is remained after the payment for the due xx/xx/xxxx. <br> xxxx-xxxx county annual taxes have been paid in the amount of $xxxx.xx.<br> xxxx-xxxx county first and second installment taxes are due in the total amount of $xxxx.xx. | According to the payment history as of xx/xx/xxxx, the borrower is currently delinquent for xx months. The last payment was received on xx/xx/xxxx which was applied on xx/xx/xxxx.The next due date for the payment is xx/xx/xxxx. The P&I is in the amount of $x,xxx.xx with interest rate is x.xxxx%.The PITI is in the amount of $x,xxx.xx.The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx.The borrower is making payments as per modification.<br>| Collections Comments:The loan is in active collection. According to the payment history as of xx/xx/xxxx, the borrower is currently delinquent for xx months. The last payment was received on xx/xx/xxxx which was applied on xx/xx/xxxx.The next due date for the payment is xx/xx/xxxx. The P&I is in the amount of $x,xxx.xx with interest rate is x.xxxx%.The PITI is in the amount of $x,xxx.xx.The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx.The borrower is making payments as per modification.<br> The loan has been modified thrice since origination. The first loan modification agreement was made on xx/xx/xxxx located at "xx".<br> The second loan modification agreement was made on xx/xx/xxxx located at "xx"<br> The third loan modification agreement was made on xx/xx/xxxx. <br> According to the PACER, the borrower xx had filed for bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx. The POC was filed by the creditor xx on xx/xx/xxxx for the amount of $xxx,xxx.xx and amount of arrearage is $xx,xxx.xx. <br> The plan was confirmed on xx/xx/xxxx. According to modified chapter xx plan which was filed on xx/xx/xxxx(Doc#xx) the borrower has to pay $ xx,xxx.xx, total, during months x through xx, then, starting in November, xxxx, $xxxx.xx, per month, for xx months, for a term of xx months. <br> The Motion to modify Secured Debt which was filed on xx/xx/xxxx(Doc#xx) reveals that the loan modification has been done between the borrower xx with the Lender xx on xx/xx/xxxx. The new principal balance per modification is in the amount of $xxx,xxx.xx. The balloon Addendum to loan modification agreement shows that the lender agrees to immediately forgive an amount of $xx,xxx.xx. The borrower has promises to pay $xxxx.xx at the rate of interest x.xxx%, beginning from xx/xx/xxxx to the stated maturity date of xx/xx/xxxx. <br> The loan modification does affect the terms of the confirmed plan in the case. If the loan modification does affect the terms of the confirmed plan in the case, the Debtor(s) will separately file a motion to modify the confirmed plan. <br> The order authorizing loan modification which was field on xx/xx/xxxx(Doc#xx) reflect that the Debtor(s) is/are authorized to enter into a modification of an existing secured loan agreement according to the terms set out in the motion; and it is further ordered, that the terms of the confirmed plan in this case are not hereby modified, and any plan modification must be effected by separate motion. <br> The amended POC was filed by the creditor xx on xx/xx/xxxx, for the amount of $xxx,xxx.xx and the amount of arrearage is in the amount of $xx,xxx.xx.<br> The motion for relief from automatic stay was filed (Doc#xx) by xx on xx/xx/xxxx shows that the value of the property is $xxx,xxx.xx, according to the Debtor's Schedule "A". As there is little to no equity in the Property, the Property is not necessary for an effective reorganization. Wherefore, xx, prays that this Court issue an Order terminating or modifying the Automatic Stay. The hearing to obtain motion from relief from stay is scheduled on xx/xx/xxxx. However, the trustee filed a motion to dismiss the case as the debtor is failed to make plan payments. The case was dismissed on xx/xx/xxxx. <br> The subject mortgage is at lower lien position as there are total x active HOA Lien against the subject property in the favor of xx for the total amount of $xxxxx.xx which was recorded on different date. <br> There is an active HOA judgment in the favor of xx against the borrower for the amount $xxxx.xx which was recorded on xx/xx/xxxx. <br> As per BPO report subject property has been occupied by the owner and property is in average condition. The borrower intention is to keep the property. No damages or repairs are found in report. The BPO report which is located at "xx"<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower Abdul Sami Khan had filed for bankruptcy under chapter-xx with the case# xx-xxxxx on xx/xx/xxxx. The POC was filed by the creditor Rushmore Management Services on xx/xx/xxxx for the amount of $xxx,xxx.xx and amount of arrearage is $xx,xxx.xx. <br> The plan was confirmed on xx/xx/xxxx. According to modified chapter xx plan which was filed on xx/xx/xxxx(Doc#xx) the borrower has to pay $ xx,xxx.xx, total, during months x through xx, then, starting in November, xxxx, $xxxx.xx, per month, for xx months, for a term of xx months. <br> The Motion to Modify Secured Debt For Real Property and Notice of Opportunity to object and Setting Deadline to Amend Filed Proofs of Claims has been filed on xx/xx/xxxx(Doc#xx) reveals that the amount of proposed modified secured claim is $xxx,xxx.xx. The monthly amount of the modified secured claim payment is $xxxx.xx; the rate of interest is x.xxx% for duration of xx years. The loan modification does affect the terms of the confirmed plan in the case. If the loan modification does affect the terms of the confirmed plan in the case, the Debtor(s) will separately file a motion to modify the confirmed plan. <br> The order authorizing loan modification which was field on xx/xx/xxxx(Doc#xx) reflect that the Debtor(s) is/are authorized to enter into a modification of an existing secured loan agreement according to the terms set out in the motion; and it is further ordered, that the terms of the confirmed plan in this case are not hereby modified, and any plan modification must be effected by separate motion. <br> The amended POC was filed by the creditor MTGLQ Investors, LP on xx/xx/xxxx, for the amount of $xxx,xxx.xx and the amount of arrearage is in the amount of $xx,xxx.xx.<br> The motion for relief from automatic stay was filed (Doc#xxx) by MTGLQ Investors, L.P on xx/xx/xxxx shows that the value of the property is $xxx,xxx.xx, according to the Debtor's Schedule "A". As there is little to no equity in the Property, the Property is not necessary for an effective reorganization. Wherefore, MTGLQ Investors, LP, prays that this Court issue an Order terminating or modifying the Automatic Stay. The hearing to obtain motion from relief from stay is scheduled on xx/xx/xxxx. However, the trustee filed a motion to dismiss the case as the debtor is failed to make plan payments. The case was dismissed on xx/xx/xxxx.  | According to PACER records the Motion to modify Secured Debt which was filed on xx/xx/xxxx(Doc#xx) reveals that the loan modification has been done between the borrower xx with the Lender xx on xx/xx/xxxx. The new principal balance per modification is in the amount of $xxx,xxx.xx. The balloon Addendum to loan modification agreement shows that the lender agrees to immediately forgive an amount of $xx,xxx.xx. The borrower has promises to pay $xxxx.xx at the rate of interest x.xxx%, beginning from xx/xx/xxxx to the stated maturity date of xx/xx/xxxx. | Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Missing Required State Disclosures<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1 (Settlement Statement) along with Estimated HUD or itemization is missing from the loan file." | \* DTI > 60% (Lvl 2) "As per application the total monthly income of borrower is $5,841.66 and total monthly expenses are in the amount of $10,151.69.Hence, DTI>60%."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL document is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "The List of service provider document is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in Maryland State. However, following disclosure is missing from the loan file.<br> 1.Affidavit of Consideration<br> 2.Affidavit of Disbursement<br> 3.First Time Buyers Affidavit<br> 4.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure<br> 5.Balloon Payment<br> 6.No Escrow Account<br> 7.Mandatory Binding Arbitration Disclosures<br> 8.Home Buyer Education and Counseling Disclosure"<br> \* Right of Rescission missing or unexecuted (Lvl 2) "The Right Of Rescission document is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 4843187 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | 103.300% | 103.300% | Full Documentation | No | xx | xx | 25.000% | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No |  | Not Applicable | 45.579% | First | Preliminary title policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx.<br>The chain of assignment is completed as the subject mortgage is currently assigned to "xx" and this AOM was recorded on xx/xx/xxxx.<br>Active liens/judgments/prior or junior Mortgage:<br>x. There is an active prior State Tax Lien is available in the updated title report in the amount of $x,xxx.xx in favor of "xx" and it was recorded on xx/xx/xxxx.<br>x. There is an active prior Federal Tax Lien is available in the updated title report in the amount of $xx,xxx.xx in favor of "xx" and it was recorded on xx/xx/xxxx.<br>x. There is an active junior Federal Tax Lien is available in the updated title report in the amount of $xx,xxx.xx in favor of "xx" and it was recorded on xx/xx/xxxx.<br>x. There is an active junior State Tax Lien is available in the updated title report in the amount of $xx,xxx.xx in favor of "xx" and it was recorded on xx/xx/xxxx.<br>x. There is an active junior State Tax Lien is available in the updated title report in the amount of $xx,xxx.xx in favor of "xx" and it was recorded on xx/xx/xxxx.<br>x. There is an active junior State Tax Lien is available in the updated title report in the amount of $x,xxx.xx in favor of "xx" and it was recorded on xx/xx/xxxx.<br>xst installment of xxxx-xxxx year Combined taxes of $x,xxx.xx are due on xx/xx/xxxx and xnd installment of $x,xxx.xx are due on xx/xx/xxxx. | The review of updated payment history as of xx/xx/xxxx, the subject loan is currently delinquent for +xxx days and the next due date of payment is xx/xx/xxxx. The last payment (P&I) was received on xx/xx/xxxx in the amount of $x,xxx.xx for the due date of xx/xx/xxxx. The UPB as of the date is mentioned in the updated payment history is in the amount of $xxx,xxx.xx. Borrower is currently making payments according to the original Note terms. | Collections Comments:The subject loan is currently in active bankruptcy; the subject loan is currently delinquent for +xxx days and the next due date of payment is xx/xx/xxxx. The last payment (P&I) was received on xx/xx/xxxx in the amount of $x,xxx.xx for the due date of xx/xx/xxxx. The UPB as of the date is mentioned in the updated payment history is in the amount of $xxx,xxx.xx. Borrower is currently making payments according to the original Note terms.<br> Debtor,xx filed the Bankruptcy under chapter-xx on xx/xx/xxxx with the case#xx & the plan is not confirmed yet.<br> Schedule-D in Voluntary petition shows that there is an unsecured claim amount of $x.xx out of total claim in the amount of $xxx,xxx.xx (Amount of claim Do not deduct the value of collateral) and the subject value of subject collateral is $xxx,xxx.xx.<br> According to the debtor's chapter-xx plan which was filed on xx/xx/xxxx, the pre-petition arrears on secured claims will be paid through the plan in the monthly amount of $xxx.xx for xx months for the total amount of $xx,xxx.xx.<br> No evidences are available in the latest servicing comments regarding foreclosure proceedings on the file.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Debtor,xx filed the Bankruptcy under chapter-xx on xx/xx/xxxx with the case#xx & the plan is not confirmed yet.<br> Schedule-D in Voluntary petition shows that there is an unsecured claim amount of $x.xx out of total claim in the amount of $xxx,xxx.xx (Amount of claim Do not deduct the value of collateral) and the subject value of subject collateral is $xxx,xxx.xx.<br> According to the debtor's chapter-xx plan which was filed on xx/xx/xxxx, the pre-petition arrears on secured claims will be paid through the plan in the monthly amount of $xxx.xx for xx months for the total amount of $xx,xxx.xx. | Not Applicable | Affiliated Business Disclosure<br> Missing Required State Disclosures<br> Mortgage Insurance<br> Notice of Servicing Transfer | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Initial Closing Disclosure is dated xx/xx/2016 and Final Closing Disclosure is dated xx/xx/2016 which is less than 3 days."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "TRID Violation due to a fee increase on CD dated xx/xx/2016. LE dated xx/xx/2016 reflects a Origination Points at $3,743.00, however, Initial CD dated xx/xx/2016 reflects the Origination Points at $4,491.99. This is a fee increase of 748.99 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees." | \* MI, FHA or MIC missing and required (Lvl 2) "The subject loan is VA but MI Certificate is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service provider disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "Below state disclosures are missing from the loan file.<br> 1. Affidavit of Consideration<br> 2. Affidavit of Disbursement"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing from the loan file." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 91602793 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Unavailable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 100.000% | 100.000% | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxxx.xx | x% | xxxx.xx | xx/xx/xxxx | Financial Hardship | The review of the updated title report dated xx/xx/xxxx shows that the subject mortgage was originated xx. <br> The chain of assignment has been completed. The last assignment is from xx, Not in Its Individual capacity, But Solely as Trustee for xx which was recorded on xx/xx/xxxx.<br> xst and xnd installments of xxxx-xxxx County taxes have been paid in the amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx respectively.<br> xst and xnd installments of xxxx-xxxx County taxes have been paid in the amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx respectively.<br> xst and xnd installments of xxxx-xxxx County taxes have been paid in the amount of $x,xxx.xx on xx/xx/xxxx and xx/xx/xxxx respectively<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is currently delinquent for x months and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied to xx/xx/xxxx. The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx. The borrower has been making payment as per the modification agreement dated xx/xx/xxxx with the interest rate of x.xxx % and P&I of $x,xxx.xx.<br> According to the tape data as of xx/xx/xxxx, the next due date is xx/xx/xxxx and the UPB as per tape data is $xxx,xxx.xx. | Collections Comments:The loan is currently in Collections and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied to xx/xx/xxxx. The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx. The borrower has been making payment as per the modification agreement dated xx/xx/xxxx with the interest rate of x.xxx % and P&I of $x,xxx.xx.<br> According to the tape data as of xx/xx/xxxx, the next due date is xx/xx/xxxx and the UPB as per tape data is $xxx,xxx.xx.The servicing comment states that the reason for default is Medical issues. The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. However, the foreclosure was placed on hold due to Loss Mitigation dated on xx/xx/xxxx. No bankruptcy details were found on the PACER. The loan was modified on xx/xx/xxxx. The new modified principal balance as per modification is in the amount of $xxx,xxx.xx out of which $xxx,xxx.xx is deferred principal balance and the borrower promises to pay P&I in the amount of $ x,xxx.xx with interest rate starting at x.xx % beginning from xx/xx/xxxx. The maturity date is xx/xx/xxxx.<br> According to BPO report dated xx/xx/xxxx, the subject property is owner occupied and is average condition. No major repairs appear to be necessary. As-Is list price is quoted as $xxx,xxx.xx.<br>Foreclosure Comments:The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. However, the foreclosure was placed on hold due to Loss Mitigation dated on xx/xx/xxxx.<br>Bankruptcy Comments:Not Applicable | According to the modification agreement, the loan was modified on xx/xx/xxxx between the borrower, xx and the Lender, xx. The new modified principal balance as per modification is in the amount of $xxx,xxx.xx out of which $xxx,xxx.xx is deferred principal balance and the borrower promises to pay P&I in the amount of $ x,xxx.xx with interest rate starting at x.xx % beginning from xx/xx/xxxx. The maturity date is xx/xx/xxxx. | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final Loan Application is missing from the loan file."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed the TILA APR test.<br> This loan failed the predatory lending guidance test.<br> This loan failed the points and fees test."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA APR test. TILA APR Test: Result: FAIL; Loan Data: 0.000%; Comparison Data: 9.030%; Variance: -9.030%.<br> The annual percentage rate (APR) is 9.043%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br> The loan failed the allowable points and fees test. The points and fees charged to the borrower exceed the greater of 5% of the mortgage amount or $1,000.<br> GSE (Freddie Mac public guidelines) Points and Fees Test: Result: FAIL; Loan Data: $15,410.10; Comparison Data: $14,680.00; Variance: +$730.10."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial Escrow Account Disclosure is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan Program disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "An appraisal report is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Services Providers is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in California State. The following state disclosures are missing from the loan files:<br> ·Impound Account Disclosure<br> ·Cosigner Notice<br> ·Private Mortgage Insurance Disclosure<br> ·Earthquake Disclosure for condominiums<br> ·Hazard Insurance Disclosure<br> ·Insurer RecommendationDisclosure<br> ·CA Fair Lending Notice<br> ·Anti-Tying Disclosure<br> ·Privacy Notice<br> ·Notice of Right to Copy of Appraisal<br> ·Application for Credit-Married Persons<br> ·Fair Debt Collection Notice<br> ·Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer Disclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2) "Operative index value is unable to confirm as supportive document is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Form is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "Right of rescission is missing from the loan file."<br> \* Settlement date is different from note date (Lvl 2) "The subject mortgage was originated on xx/xx/2006. However, as per final HUD-1, the settlement date is xx/xx/2006." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 37936527 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Unavailable | No | Loss Mitigation | Chapter 7 | xx | Not Applicable | No | xx | ????.?? | Unavailable | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxxx.xx | x% | xxxx.xx | xx/xx/xxxx | Financial Hardship | The review of Updated title dated xx/xx/xxxx the subject mortgage was originated on xx.<br> The chain of assignment has been completed. Currently, the assignment is from xx recorded on xx/xx/xxxx.<br>There are no active liens and judgments. <br>The first installment county taxes for the year xxxx-xx have been paid in the amount of $xxxx.xx and the second installment has been paid in the amount of $xxxx.xx.<br> No prior years of delinquent taxes have been found.  | The review of payment history as of xx/xx/xxxx, the borrower is currently delinquent for x month and next due date is for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx which was applied for xx/xx/xxxx. The current P&I is $xxxx.xx and PITI is $xxxx.xx. The UPB reflected in the payment history is in the amount of $xxx,xxx.xx. The borrower has been making payment as per Modification. | Collections Comments:The is currently performing and next due date is for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx which was applied for xx/xx/xxxx. The current P&I is $xxxx.xx and PITI is $xxxx.xx. The UPB reflected in the payment history is in the amount of $xxx,xxx.xx. The borrower has been making payment as per Modification. <br> The loan has been modified, this modification agreement was made between xx and Servicer xx on xx/xx/xxxx. The reason for modification is a financial hardship. As per the modified terms, new principal balance is $xxx,xxx.xx. Borrower promises to pay $xxxx.xx monthly with a modified interest rate x.xx% beginning from xx/xx/xxxx with a maturity date xx/xx/xxxx. The deferred balance is $xxx,xxx.xx. The interest-bearing amount is $xxx,xxx.xx.<br> The borrower Rosa I. Ramirez had filed bankruptcy under Chapter x with the case# xx on xx/xx/xxxx. The debtor was dismissed on xx/xx/xxxx and terminated on xx/xx/xxxx. The case was dismissed for failure to file information<br> The foreclosure was initiated in xxxx and referred to an attorney on xx/xx/xxxx. However, the foreclosure was placed on hold for trial Modification on xx/xx/xxxx. The loan was modified on xx/xx/xxxx. Currently, the loan is performing.<br> According to comment dated xx/xx/xxxx, the reason for default is a reduction in income. <br> The short sale was approved on xx/xx/xxxx. However, no further details are available. <br> According to the BPO report dated xx/xx/xxxx, the subject property is occupied by an unknown party and good in condition.<br> No comments were indicating damages and repairs pertaining to the subject property. <br>Foreclosure Comments:The foreclosure was initiated in xxxx and referred to an attorney on xx/xx/xxxx. However, the foreclosure was placed on hold for trial Modification on xx/xx/xxxx. The loan was modified on xx/xx/xxxx. Currently, the loan is performing. <br> Bankruptcy Comments:The borrower Rosa I. Ramirez had filed bankruptcy under Chapter x with the case# xx-xxxxx on xx/xx/xxxx. The debtor was dismissed on xx/xx/xxxx and terminated on xx/xx/xxxx. The case was dismissed for failure to file information. | This modification agreement was made between Borrower xx and Servicer xx on xx/xx/xxxx. The reason for modification is a financial hardship. As per the modified terms, new principal balance is $xxx,xxx.xx. Borrower promises to pay $xxxx.xx monthly with a modified interest rate x.xx% beginning from xx/xx/xxxx with a maturity date xx/xx/xxxx. The deferred balance is $xxx,xxx.xx. The interest-bearing amount is $xxx,xxx.xx. | Affiliated Business Disclosure<br> Final Truth in Lending Discl.<br> Loan Program Info Disclosure<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed the TILA APR test."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA APR test. <br> The annual percentage rate (APR) is 7.745%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br> The loan data is 0.000% and comparison data is 7.745%; hence, the variance is -7.745%."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "The notice of servicing transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "The required affiliated business disclosure is missing from the loan file." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 10205761 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | Other | xx | ? | ????.?? | ??/??/???? | Unavailable | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 92.583% | 92.583% | Unavailable | No | xx | Unavailable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The updated title report dated xx/xx/xxxx, shows that the subject mortgage was originated on xx.<br> The chain of assignment has been completed. Currently, the assignment is with xx.<br> Active liens and judgments are as follows:<br> x) There are two HOA liens active against the subject property in favor of xx in the total amount of $ x,xxx.xx which were recorded on xx/xx/xxxx and xx/xx/xxxx.<br> x) There are three State Tax liens active against the subject property in favor of xx in the total amount of $xx,xxx.xx which were recorded on xx/xx/xxxx, xx/xx/xxxx and xx/xx/xxxx.<br> x) There is credit card judgment against xx in the favor of xx in the amount of $x,xxx.xx which was recorded on xx/xx/xxxx.<br> x) There is civil judgment against xx in the favor of xx in the amount of $xxx.xx which was recorded on xx/xx/xxxx.<br> x) There is civil judgment against xx in the favor of xx in the amount of $x,xxx.xx which was recorded on xx/xx/xxxx. | According to the payment history as of xx/xx/xxxx, the borrower is currently delinquent for x months. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $x,xxx.xx and PITI is in the amount of $x,xxx.xx. The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx. The borrower has been paying as per the Note. | Collections Comments:Available servicing comment and documents in file reveal that loan is performing. <br> According to the payment history as of xx/xx/xxxx, the borrower is currently delinquent for x months. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $x,xxx.xx and PITI is in the amount of $x,xxx.xx. The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx. The borrower has been paying as per the Note.<br> The reason for default was unemployment and decreased income.<br> There is no foreclosure activity found in the loan recent xx months. Previously, foreclosure was initiate and referred to attorney which was completed on xx/xx/xxxx. Foreclosure file was closed and dismissal was of lis pendens was granted on xx/xx/xxxx.<br> There is no bankruptcy filing found by borrower.<br> Foreclosure Comments:There is no foreclosure activity found in the loan recent xx months. Previously, foreclosure was initiate and referred to attorney which was completed on xx/xx/xxxx. Foreclosure file was closed and dismissal was of lis pendens was granted on xx/xx/xxxx. Currently, loan is performing.<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> Good Faith Estimate<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Mortgage Insurance<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 3: Curable |  | \* MI, FHA or MIC missing and required (Lvl 3) "The subject loan is a FHA loan but MI certificate is missing from the loan file." | \* Application Missing (Lvl 2) "Final Application is missing from the loan file."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "ComplianceEase Risk Indicator is moderate due to loan failed the TILA APR test."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA APR test. Loan Data 0.000% Comparison Data 3.820% Variance-3.820%"<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Good Faith Estimate missing or unexecuted (Lvl 2) "Final GFE is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial Escrow account disclosure is missing from the loan file."<br> \* Initial Good Faith Estimate is Missing (Lvl 2) "Initial GFE is missing from the loan file."<br> \* Initial Truth in Lending Disclosure is Missing (Lvl 2) "Initial TIL is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Servicing Providers disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "Following state disclosures are missing from the loan file.<br> Affidavit of Consideration<br> Affidavit of Disbursement<br> First Time Buyers Affidavit<br> Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure<br> Balloon Payment<br> No Escrow Account<br> Mandatory Binding Arbitration Disclosures<br> Home Buyer Education and Counseling Disclosure"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Required Affiliated business disclosure is missing from the loan file." |  | Moderate | Not Covered | Fail | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 66363601 | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Oklahoma | xx | xx | xx | Oklahoma | xx | xx | Yes | No | Not Applicable | First |  | ? | ??? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 90.000% | 90.000% | Full Documentation | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 47.368% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | The review of the updated title report dated xx/xx/xxxx, shows that the subject mortgage was originated on xx.<br>The chain of assignment has been completed.<br> The current year taxes are due in the amount of $x,xxx.xx.<br>As per the updated title report, the current property owner is xx. The property was foreclosed and sold to xx with sheriff's deed dated xx/xx/xxxx and recorded on xx/xx/xxxx. However, Foreclosure Docket xx(Dated xx/xx/xxxx) Shows Judgment Vacated; However No Recession Filed In Land Records.<br> There is one civil judgment against subject property in favor ofxx in the amount of $xxx.xx which has been recorded on xx/xx/xxxx. | According to the payment history as of xx/xx/xxxx, the borrower is currently delinquent for xx months and due for the xx/xx/xxxx payment. The last payment was received on xx/xx/xxxx and was applied to the xx/xx/xxxx payment. The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx. The P&I is in the amount of $x,xxx.xx and PITI is in the amount of $x,xxx.xx. | Collections Comments:The loan is currently in bankruptcy, on foreclosure hold. According to the payment history as of xx/xx/xxxx, the borrower is currently delinquent for xx months and due for the xx/xx/xxxx payment. The last payment was received on xx/xx/xxxx and was applied to the xx/xx/xxxx payment. The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx. The P&I is in the amount of $x,xxx.xx and PITI is in the amount of $x,xxx.xx.<br> The loan has been modified twice since origination. The Modification Agreements were effective xx/xx/xxxx with the latest effective xx/xx/xxxx between the borrower xx and xx. The new modified principal balance is in the amount of $xxx,xxx.xx with a fixed interest rate of x.xxx% with a P&I payment in the amount of $x,xxx.xx beginning xx/xx/xxxx until maturity date of xx/xx/xxxx.<br>The foreclosure was initiated and referred to an attorney on xx/xx/xxxx. The Complaint was filed on xx/xx/xxxx and recorded xx/xx/xxxx. The foreclosure was placed on hold due to the borrower filing bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx.<br> The prior foreclosure action (Case#xx) had a First Legal Action completed on xx/xx/xxxx. The foreclosure sale was held on xx/xx/xxxx and the property reverted back to the servicer,xx via Sheriff's Deed dated xx/xx/xxxx and recorded xx/xx/xxxx. A File Application to Vacate Order Confirming Sale, Void Deed, Vacate Judgment, Quash Special Execution, Restore Note and Mortgage, and for Dismissal was filed on xx/xx/xxxx. Per the Updated Title Report dated xx/xx/xxxx, the Title Searcher noted that the Foreclosure Docket xx (dated xx/xx/xxxx) shows Judgment Vacated; however no recession filed in Land Records. The title report reflects the Property Ownership is currently still in the name of xx.<br>According to the PACER, the borrower had filed bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx. The POC was filed on xx/xx/xxxx, the POC amount is $xxx,xxx.xx and the arrearage amount is $xx,xxx.xx. Schedule D of the Bankruptcy Voluntary Petition dated xx/xx/xxxx reflects the amount of claim without deducting the value of the collateral is $xxx,xxx and the value of the collateral is $xxx,xxx leaving an unsecured portion of $xx,xxx. There are no comments indicating a cramdown. The plan reflects the debtor shall pay to the trustee the sum of $x,xxx per month for xx months. Total of plan payments: $xxx,xxx.<br>No damages or repairs have been found.<br> Foreclosure Comments:The latest foreclosure action was initiated and referred to an attorney on xx/xx/xxxx. The Complaint was filed on xx/xx/xxxx and recorded xx/xx/xxxx. The foreclosure was placed on hold due to the borrower filing bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx.<br> The prior foreclosure action (Case# xx) had a First Legal Action completed on xx/xx/xxxx. The foreclosure sale was held on xx/xx/xxxx and the property reverted back to the servicer, FV-I, Inc. in trust for xx via Sheriff's Deed dated xx/xx/xxxx and recorded xx/xx/xxxx. A File Application to Vacate Order Confirming Sale, Void Deed, Vacate Judgment, Quash Special Execution, Restore Note and Mortgage, and for Dismissal was filed on xx/xx/xxxx. Per the Updated Title Report dated xx/xx/xxxx, the Title Searcher noted that the Foreclosure Docket xx (dated xx/xx/xxxx) shows Judgment Vacated; however no recession filed in Land Records. The title report reflects the Property Ownership is currently still in the name ofxx.<br> Bankruptcy Comments:According to the PACER, the borrower had filed bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx. The POC was filed on xx/xx/xxxx, the POC amount is $xxx,xxx.xx and the arrearage amount is $xx,xxx.xx. Schedule D of the Bankruptcy Voluntary Petition dated xx/xx/xxxx reflects the amount of claim without deducting the value of the collateral is $xxx,xxx and the value of the collateral is $xxx,xxx leaving an unsecured portion of $xx,xxx. There are no comments indicating a cramdown. The plan reflects the debtor shall pay to the trustee the sum of $x,xxx per month for xx months. Total of plan payments: $xxx,xxx. | The loan has been modified twice since origination. The Modification Agreements were effective xx/xx/xxxx with the latest effective xx/xx/xxxx between the borrower xx and xx. The new modified principal balance is in the amount of $$xxx,xxx.xx with a fixed interest rate of x.xxx% with a P&I payment in the amount of $x,xxx.xx beginning xx/xx/xxxx until maturity date of xx/xx/xxxx. | HUD-x Closing Statement<br> Missing Required State Disclosures<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 2) "The Final HUD 1 provided in the file is executed however the first page has blured images/figures."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in the State of Oklahoma. The following Required State Disclosure is missing from the loan file:<br> - Notice of Rights to Obtain a Security Freeze."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "The notice of service transfer missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 32611490 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 96.711% | 96.711% | Full Documentation | No |  | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 581 | Not Applicable | 43.308% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxx.xx | x.x% | xxx.xx | xx/xx/xxxx | Financial Hardship | The review of the updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx.<br>The chain of assignment has been completed. The latest assignment is with xx recorded on xx/xx/xxxx with Book/Page#xx.<br>No active liens and judgments were found against the borrower or property.<br>No prior year delinquent taxes have been found. The Annual xxxx Combined tax is due for xx/xx/xxxx in the amount of $xxx.xx. The Annual xxxx Combined tax is paid on xx/xx/xxxx in the amount of $xxx.xx. | According to the payment history as of xx/xx/xxxx, the borrower is currently delinquent for x months and due for the xx/xx/xxxx payment. The last funds were received on xx/xx/xxxx in the amount of $xx.xx and were placed into suspense. The last payment was applied on xx/xx/xxxx from unapplied funds in the amount of $xxx.xx to the xx/xx/xxxx payment. The UPB reflected as per the payment history is in the amount of $xx,xxx.xx. The P&I is in the amount of $xxx.xx and PITI is in the amount of $xxx.xx. | Collections Comments:The loan is currently in collection. According to the payment history as of xx/xx/xxxx, the borrower is currently delinquent for x months and due for the xx/xx/xxxx payment. The last funds were received on xx/xx/xxxx in the amount of $xx.xx and were placed into suspense. The last payment was applied on xx/xx/xxxx from unapplied funds in the amount of $xxx.xx to the xx/xx/xxxx payment. The UPB reflected as per the payment history is in the amount of $xx,xxx.xx. The P&I is in the amount of $xxx.xx and PITI is in the amount of $xxx.xx.<br>According to the modification, the loan was modified on xx/xx/xxxx between the borrower xx and lender xx. The new modified principal balance as per modification is in the amount of $xxx,xxx.xx of which $x,xxx.xx is the deferred principal and the interest bearing amount is $xxx,xxx with a fixed interest rate starting at x.x% and a P&I in the amount of $xxx.xx beginning from xx/xx/xxxx until maturity date of xx/xx/xxxx. There is no principal forgiven amount. This loan was modified twice. The previous loan modification was made between borrower xx and lender xx. on xx/xx/xxxx.<br> The reason for default is loss of income. The subject property has been occupied by the owner. The borrower's intention is to keep the property. <br> The prior foreclosure action was referred to the attorney on xx/xx/xxxx. The borrower sent in full reinstatement in the amount of $x,xxx.xx on xx/xx/xxxx and the foreclosure action was cancelled.<br> According to the PACER, the borrower had not filed for bankruptcy post origination.<br>The property was damaged by fire and has been xxx% repaired. As per the collection comment xx/xx/xxxx, the borrower's wife had a fire in her home. The Date of Loss was xx/xx/xxxx. The property needed repairs in the estimated amount of $x,xxx.xx. The insurance claim was accepted with the amount of $x,xxx. The servicing comment dated xx/xx/xxxx reflects all repairs were completed per the inspection results showing xxx%.<br> Foreclosure Comments:The prior foreclosure action was referred to the attorney on xx/xx/xxxx. The borrower sent in full reinstatement in the amount of $x,xxx.xx on xx/xx/xxxx and the foreclosure action was cancelled.<br> Bankruptcy Comments:Not Applicable | According to the modification, the loan was modified on xx/xx/xxxx between the borrower xx and lender xx. The new modified principal balance as per modification is in the amount of $xxx,xxx.xx of which $x,xxx.xx is the deferred principal and the interest bearing amount is $xxx,xxx with a fixed interest rate starting at x.x% and a P&I in the amount of $xxx.xx beginning from xx/xx/xxxx until maturity date of xx/xx/xxxx. There is no principal forgiven amount. This loan was modified twice. The previous loan modification was made between borrower xx and lender xx. on xx/xx/xxxx. | Initial Escrow Acct Disclosure<br> Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "Compliance Risk Indicator is Moderate due to failing the TILA finance charge test and the bona fide discount points test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the bona fide discount points test. Unable to verify if the Discount Points charged at origination were actually bona fide and reduced the interest rate.<br> The loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate. Points are treated as paid for the purpose of reducing, and in fact result in a bona fide reduction of the interest rate, if they are marked as "Bona Fide - State".<br>"Bona Fide Discount Points Test: FAIL"<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA finance charge test. The finance charge is $147,743.90. The disclosed finance charge of $147,410.41 is not considered accurate because it is understated by more than $100.<br> TILA Finance Charge Test: Loan Data $147,410.41; Comparison Data $147,743.90; Variance of -$333.49."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "The Initial Escrow Account Disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in the State of North Carolina. The following state disclosures are missing from the loan file:<br> - Credit Property Insurance Disclosure<br> - Fee Agreement<br> - Priority of Security Instrument Disclosure<br> - Attorney Selection Disclosure"<br> \* Property is Manufactured Housing (Lvl 2) "The Subject Property is a Manufactured Home. As per the Affixture Affidavit located at "Ln#23973 Pg#13" which recorded on xx/xx/2006 with Book# / Page# 670 / 71, the VIN number BG07-NC143846A/B was found which confirms that the property is affixed. The Final title policy also shows Alta Endorsement Form 7 in it. The Mortgage at origination includes Collateral of a 2006 Cavalier manufactured home Serial Number BG07-NC143846A/B and states the property address is 107 Downs Street, Cofield, NC 27922." |  | Moderate | Not Covered | Fail | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 73113247 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Full Documentation | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 648 | Not Applicable | 44.664% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | As per the review of Updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx.<br> The chain of the assignment has been completed. The last assignment is from xx which was recorded on xx/xx/xxxx. <br> There is Junior Civil Judgment against the borrower xx in the favor of xx. for the amount of $x,xxx.xx which was recorded on xx/xx/xxxx and same judgment was renewed on xx/xx/xxxx. Also, there are two judgments. However, middle name of defendant does not match with the middle name of the borrower.<br> Combined annual taxes for the year xxxx have been paid in the amount of $xxx.xx.<br> No prior year delinquent taxes have been found. | The latest payment history as of xx/xx/xxxx reveals that the borrower is delinquent for one month and next payment due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied to xx/xx/xxxx. The current UPB is reflecting is in the amount of $xxx,xxx.xx. <br> The borrower has been making the payment as per the loan Modification agreement which was executed on xx/xx/xxxx with interest only payment of $xxx.xx and interest rate of x.xxx %.  | Collections Comments:The loan is currently in the collection and the nest due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied to xx/xx/xxxx. The current UPB is reflecting is in the amount of $xxx,xxx.xx. <br> The borrower has been making the payment as per the loan Modification agreement which was executed on xx/xx/xxxx with interest only payment of $xxx.xx and interest rate of x.xxx %. This Limited Term Interest only modification agreement was made between servicer (lender) xx with the borrower xx on xx/xx/xxxx. As per the modified term, the new principal balance is $xxx,xxx.xx out of which $xx,xxx.xx is deferred balance. The borrower promises to pay $xxx.xx interest only payment monthly with a modified interest rate of x.xxx % beginning from xx/xx/xxxx with a maturity date of xx/xx/xxxx. On the reduction period end date, this agreement will terminate and the interest rate of loan will revert to the original stated rate and payment will increases due to it will include the principal.<br> The reason for default is medical issue. No foreclosure or bankruptcy activity was found in the loan file.<br> According to comment dated xx/xx/xxxx, the borrower agreed for x months repayment plan which was start from xx/xx/xxxx for the amount of $x,xxx.xx. According to comment dated xx/xx/xxxx, the loan modification was finalized. The comment dated states that this modification is deferred only. The borrower is on two months repayment plan.<br> According to comment dated xx/xx/xxxx, the roof was blown off from the side due to the Hurricane. The borrower doesn't have money to repair.<br> No further information is available to determine the current property condition and occupancy. No latest BPO report is available in the loan file.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This Limited Term Interest only modification agreement was made between servicer (lender) xx with the borrower xx on xx/xx/xxxx. As per the modified term, the new principal balance is $xxx,xxx.xx out of which $xx,xxx.xx is deferred balance. The borrower promises to pay $xxx.xx interest only payment monthly with a modified interest rate of x.xxx % beginning from xx/xx/xxxx with a maturity date of xx/xx/xxxx. On the reduction period end date, this agreement will terminate and the interest rate of loan will revert to the original stated rate and payment will increases due to it will include the principal. | Missing Required State Disclosures | xx | 3: Curable |  | \* Lost Note Affidavit (Lvl 3) "The lost note affidavit has been found in the loan file located at "xx)", which states that the original note has been misplaced or destroyed. However, the duplicate copy of the note is available in the loan file." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing Required Disclosures (Lvl 2) "List of Service providers document is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in Florida, However, the following state disclosures are missing from the loan file.<br>1.Anti-Coercion Notice(xx)<br> 2.Title Insurance Disclosure<br> 3.Radon Gas Disclosure<br> 4.Insurance Sales Disclosure"<br> \* Settlement date is different from note date (Lvl 2) "The subject mortgage was originated on xx/xx/2006. As per final HUD-1, the settlement date is xx/xx/2006 which is different from note date." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 79340806 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | ???.? | ?.??% | 300 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 69.240% | 69.240% | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | xxxx.xx | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | The review of the updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx.<br> The chain of the assignment has been completed. Currently, the mortgage is with xx, recorded on xx/xx/xxxx.<br> No active judgment or liens have been found.<br> The first installment combined taxes of xxxx have been paid in the amount of $xxxx.xx. xxxx Combined second installment taxes are due in the amount of $xxxx.xx for the due date xx/xx/xxxx. <br> No delinquent taxes have been found for the prior year. | The review of payment history shows that the borrower is delinquent for x months and next due date for the payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx for due date xx/xx/xxxx. The UPB is reflected in the amount of $xx,xxx.xx till the due date of xx/xx/xxxx. The borrower has been making the payments as per the modification agreement.  | Collections Comments:According to servicing comments, the loan is currently in the collection. The review of payment history shows that the borrower is delinquent for x months and next due date for the payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx for due date xx/xx/xxxx. The UPB is reflected in the amount of $xx,xxx.xx till the due date of xx/xx/xxxx. The borrower has been making the payments as per the modification agreement.<br> The step loan modification agreement was made on xx/xx/xxxx between borrower xx. The borrower promises to make a monthly payment of $xxx.xx with the rate of interest of x.xxx% for xx months, then $xxx.xx with the rate of interest of x.xxx% for xx months, then $xxx.xx with the rate of interest of x.xxx% for xx months and $xxx.xx with the rate of interest of x.xxx% for xxx months, till maturity date xx/xx/xxxx. The deferred balance amount is $xxxx.xx and interest-bearing amount is $xx,xxx.xx. The New Principal Balance stated in the modification is $xx,xxx.xx.<br> The borrower had filed bankruptcy under chapter xx with the case #xx on xx/xx/xxxx. According to the reaffirmation agreement dated xx/xx/xxxx, The amount of debt subject to this reaffirmation agreement is $xx,xxx.xx on the date of bankruptcy $xx,xxx.xx to be paid under reaffirmation agreement with the rate of interest of x.xx% and P&I in the amount of $xxx.xx per month for xxx months. The case was discharged on xx/xx/xxxx and terminated on xx/xx/xxxx. The Voluntary Petition, Schedule-D shows the amount of $xx,xxx as an unsecured portion out of the amount of claim $xx,xxx. Did not see any comments reflecting cram down.<br> A review of collection comment shows no indication of post closing foreclosure activity.<br> The reason for default is excessive obligations.<br> The latest property inspection report is not available in the loan file to determine current property condition.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower had filed bankruptcy under chapter xx with the case #xx on xx/xx/xxxx. According to the reaffirmation agreement dated xx/xx/xxxx, The amount of debt subject to this reaffirmation agreement is $xx,xxx.xx on the date of bankruptcy $xx,xxx.xx to be paid under reaffirmation agreement with the rate of interest of x.xx% and P&I in the amount of $xxx.xx per month for xxx months. The case was discharged on xx/xx/xxxx and terminated on xx/xx/xxxx. The Voluntary Petition, Schedule-D shows the amount of $xx,xxx as an unsecured portion out of the amount of claim $xx,xxx. Did not see any comments reflecting cram down.<br>| The step loan modification agreement was made on xx/xx/xxxx between borrower xx and Lender xx. The borrower promises to make a monthly payment of $xxx.xx with the rate of interest of x.xxx% for xx months, then $xxx.xx with the rate of interest of x.xxx% for xx months, then $xxx.xx with the rate of interest of x.xxx% for xx months and $xxx.xx with the rate of interest of x.xxx% for xxx months, till maturity date xx/xx/xxxx. The deferred balance amount is $xxxx.xx and interest-bearing amount is $xx,xxx.xx. The New Principal Balance stated in the modification is $xx,xxx.xx. | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure<br> Missing Dicsloures<br> Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final loan application /1003 is missing from the loan file."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "ComplianceEase risk indicator is Moderate due to TILA failed for Finance Charge Test, Rescission Finance Charge Test and APR Test."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "ComplianceEase TILA Test failed due to Finance Charge Test. As per loan data Finance Charge is $68,272.81. However, comparison data is $93,380.15 and variance is -$25,107.34.<br> ComplianceEase TILA Test failed due to Foreclosure Rescission Finance Charge Test. As per loan data Foreclosure Rescission Finance Charge is $68,272.81. However, comparison data is $93,380.15 and variance is -$25,107.34.<br> ComplianceEase TILA Test failed due to APR Test. As per loan data APR is 7.090%. However, comparison data is 8.714% and variance is -1.624%."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow acct disclosure is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "The list of service providers disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The following state disclosures are missing from the loan file. <br> 1. Affidavit of Consideration,<br> 2. Affidavit of Disbursement, <br> 3. First Time Buyers Affidavit, <br> 4. Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure, <br> 5. Balloon Payment, <br> 6. No Escrow Account, <br> 7. Mandatory Binding Arbitration Disclosures"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "The affiliated business form disclosure is missing from the loan file." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 78401450 | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | Yes | Yes | Not Applicable | Other | xx | ????.?? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 34.000% | 34.000% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Mid Rise Condo (5-8 Stories) | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 27.507% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | Not Applicable | x.xx% | xxx.xx | xx/xx/xxxx | Financial Hardship | The review of updated title report dated xx/xx/xxxx states that the subject mortgage was originated on xx.<br> The chain of assignment has been completed.<br> There are two HOA/COA liens against the property, the first was recorded on xx/xx/xxxx in the amount of $xxxx.xx which is in the favor of xx.<br> The second was recorded on xx/xx/xxxx in the amount of $xxxx.xx which is in the favor of xx. The property is located in MD which is a Super Lien State under the Stand Alone Statute.<br> The xxxx combined annual taxes were due by xx/xx/xxxx in the amount of $x,xxx.xx. | The review of payment history as of xx/xx/xxxx shows that the borrower is currently xx days delinquent and due for the xx/xx/xxxx payment. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx and was applied to the xx/xx/xxxx and xx/xx/xxxx payments. The UPB in the payment history is reflected in the amount of $xx,xxx.xx. The current P&I is $xxx.xx and the current PITI is $xxx.xx. The borrower has been making the payments as per the modification agreement. | Collections Comments:The review of payment history as of xx/xx/xxxx shows that the borrower is currently xx days delinquent and due for the xx/xx/xxxx payment. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx and was applied to the xx/xx/xxxx and xx/xx/xxxx payments. The UPB in the payment history is reflected in the amount of $xx,xxx.xx. The current P&I is $xxx.xx and the current PITI is $xxx.xx. The borrower has been making the payments as per the modification agreement.<br> The loan was modified on xx/xx/xxxx with a new UPB of $xx,xxx.xx to a fixed interest rate of x.xx% and P&I of $xxx.xx beginning xx/xx/xxxx until maturity date of xx/xx/xxxx.<br> According to the review, the prior foreclosure action was initiated when the file was referred to an attorney on xx/xx/xxxx and the complaint was filed on xx/xx/xxxx. The loan was modified in September xxxx bringing the loan current.<br> As per PACER records, the borrower has filed the bankruptcy under chapter xx with case # xx on xx/xx/xxxx. The POC was filed on xx/xx/xxxx with a secured claim amount of $xx,xxx.xx and the arrearage amount is $xxx.xx.<br> The order confirming chapter xx plan was filed on xx/xx/xxxx which reflects the debtor shall pay $xxx.xx monthly for x to xx months then $x,xxx.xx monthly for xx to xx months. A MFR was granted on a different property.<br> As per collection comments, unable to determine the property occupancy and the condition. Additionally, a recent BPO report is unavailable to determine the same.<br> Foreclosure Comments:According to the review, the prior foreclosure action was initiated when the file was referred to an attorney on xx/xx/xxxx and the complaint was filed on xx/xx/xxxx. The loan was modified in September xxxx bringing the loan current.<br> Bankruptcy Comments:As per PACER records, the borrower has filed the bankruptcy under chapter xx with case # xx on xx/xx/xxxx. The POC was filed on xx/xx/xxxx with a secured claim amount of $xx,xxx.xx and the arrearage amount is $xxx.xx.<br> The order confirming chapter xx plan was filed on xx/xx/xxxx which reflects the debtor shall pay $xxx.xx monthly for x to xx months then $x,xxx.xx monthly for xx to xx months. A MFR was granted on a different property. | This modification agreement was made on xx/xx/xxxx between the lender ' xx." and the borrower "xx". As per modified terms the borrower promises to pay the UPB of $xx,xxx.xx with the interest rate of x.xx% and P&I of $xxx.xx beginning xx/xx/xxxx until maturity date of xx/xx/xxxx. | Credit Report<br> Final Title Policy<br> Missing Required State Disclosures | xx | 3: Curable |  | \* Missing Final Title Policy with applicable Alta endorsements. (i.e., Alta 8.1, 9) (Lvl 3) "The Final Title Policy provided in the file reflects the Date of Policy is xx/xx/2005 however per the Note, the loan origination date is xx/xx/2006. The Agent however acknowledged the policy at the bottom of the page with Schedule A with a signature and correct date of xx/xx/2006." | \* Missing credit report (Lvl 2) "Credit Report is Missing"<br> \* Missing Required State Disclosures (Lvl 2) "The property is located in MD state. The following required state disclosures are missing from the loan file:<br> Affidavit of Consideration<br> Affidavit of Disbursement<br> Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure.<br> No Escrow Account<br> Mandatory Binding Arbitration Disclosures<br> Home Buyer Education and Counseling Disclosure" |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 95787313 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | Yes | Yes | Not Applicable | Second |  | ? | ???.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 75.000% | 75.000% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 74.140% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | xxxxx.xx | x.xx% | xxx.xx | xx/xx/xxxx | Financial Hardship | The updated-title report dated xx/xx/xxxx shows the subject mortgage was originated on xx.<br>There is an active mortgage prior to the subject Mortgage, in the favor of "xx, acting by and through xx. recorded on xx/xx/xxxx for the amount of $x,xxx.xx.<br>There are four civil judgments against the "xx" in the amount of $xx,xxx.xx,m which were recorded on xx/xx/xxxx, xx/xx/xxxx,xx/xx/xxxx and xx/xx/xxxx respectively.<br> However, the SSN#/property address is not provided on the documents to validate the above judgments. <br>The county taxes for the year xxxx have been due in the amount of $xxx.xx.<br> No prior years delinquent taxes have been found. | According to payment history available as of xx/xx/xxxx, the borrower is making regular payments. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $xxx.xxand PITI is in the amount of $xxx.xx. The UPB(including deferred) reflected as per the payment history is in the amount of $xx,xxx.xx. The borrower is making payments as per modification. | Collections Comments:The present status of the loan is in performing.<br> According to payment history available as of xx/xx/xxxx, the borrower is making regular payments. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $xxx.xxand PITI is in the amount of $xxx.xx. The UPB (including deferred) reflected as per the payment history is in the amount of $xx,xxx.xx.<br> The loan has been modified once since origination. As per the modified terms, the new modified principal balance in the amount of $xx,xxx.xx of which the lender has deferred $xx,xxx.xx. Hence, the borrower promised to pay interest bearing balance in the amount of $xx,xxx.xx with interest at the rate x.xxx % and monthly P&I in the amount of $xxx.xx beginning from xx/xx/xxxx. The new maturity date will be xx/xx/xxxx. <br> According to servicing comment dated xx/xx/xxxx, there is no activity regarding the foreclosure. <br> No comment indicating any damage to the subject property has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower had filed the bankruptcy, case#xx under chapter xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. The debtor was discharged on xx/xx/xxxx and the case was terminated on xx/xx/xxxx. | The loan was modified on xx/xx/xxxx between the borrower "xx" and Lender "xx". <br> As per the modified terms, the new modified principal balance in the amount of $xx,xxx.xx of which the lender has deferred $xx,xxx.xx. Hence, the borrower promised to pay interest bearing balance in the amount of $xx,xxx.xx with interest at the rate x.xxx % and monthly P&I in the amount of $xxx.xx beginning from xx/xx/xxxx. The new maturity date will be xx/xx/xxxx.  |  | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed TILA Finance Charge Test, TILA Foreclosure Rescission Finance Charge Test."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed TILA Finance Charge Test, TILA Foreclosure Rescission Finance Charge Test: Loan Data:$82,407.79 Comparison Data:$82,866.25 Variance:$458.46"<br> \* DTI > 60% (Lvl 2) "According to final 1003, the total monthly income of the borrower is $1,633.00; However, the total monthly expenses(Post-Close) are in the amount of $1,210.70. Hence, the DTI exceeds 60.00%." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:<br> Date:<br> Type:BPO | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 79840105 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 88.485% | 88.485% | Full Documentation | No | xx | Unavailable | 25.000% | Not Applicable |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 26.228% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x% | xxx.x | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx the subject mortgage was originated on xx.<br> The chain of the assignment has been completed. Currently, the assignment of mortgage is with xx , which was recorded on xx/xx/xxxx.<br> There is an IRS lien against the xx in the favor of xx, in the amount of $xx,xxx.xx which was recorded on xx/xx/xxxx.<br> The annual county taxes of xxxx and xxxx have been paid in the cumulative amount of $x,xxx.xx. The county xst and xnd installments taxes in xxxx have been paid in the cumulative amount of $x,xxx.xx. For the Parcel #xx.<br> The county annual taxes of xxxx & xxxx have been paid in the cumulative amount of $xxx.xx. The county xst and xnd installments taxes in xxxx have been paid in the cumulative amount of $xxx.xx. For the Parcel#xx-xx-xxx-xxx-xxxx.<br> No prior years delinquent taxes have been found. | The review of the payment history as of date xx/xx/xxxx shows that the borrower is current with the loan and the next due date for the payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied for xx/xx/xxxx. The current UPB reflected in the latest payment history is in the amount of $xxx,xxx.xx. The borrower has been making the payments as per the modification agreement dated xx/xx/xxxx. | Collections Comments:According to the servicing comments, the borrower is current with the loan and the next due date for the payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx, which was applied for xx/xx/xxxx. The current UPB reflected in the latest payment history is in the amount of $xxx,xxx.xx. The borrower has been making the payments as per the modification agreement dated xx/xx/xxxx.<br> Recent comments do not validate any reason for default. <br> The loan had been modified on xx/xx/xxxx. The unpaid principal balance is $xxx,xxx.xx with an interest rate of x.xx%. The borrower promises to pay the monthly P&I of $xxx.xx beginning from xx/xx/xxxx. The maturity date will be on xx/xx/xxxx. The prior modification was done on xx/xx/xxxx located at "xx".<br> No evidence has been found in the latest xx months' servicing comments regarding the foreclosure.<br> As per the review of PACER report, the borrower xx had filed the bankruptcy under Chapter xx with Case #xx on xx/xx/xxxx. The POC was filed on xx/xx/xxxx with the secured claim amount of $xxx,xxx.xx and the amount of arrearage was $xx,xxx.xx. The plan was confirmed on xx/xx/xxxx. Under Chapter xx amended plan, the debtor shall pay to the trustee the sum of $x,xxx.xx per month for xx months and $x,xxx.xx per month for xx months for the total amount of $xxx,xxx.xx. The motion for relief was filed on xx/xx/xxxx. The date of the last filing of bankruptcy was xx/xx/xxxx.<br> The latest comments dated xx/xx/xxxx shows that the subject property has been occupied by an unknown party. <br> No BPO and inspection reports are provided. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:As per the review of PACER report, the borrower xx had filed the bankruptcy under Chapter xx with Case #xx on xx/xx/xxxx. The POC was filed on xx/xx/xxxx with the secured claim amount of $xxx,xxx.xx and the amount of arrearage was $xx,xxx.xx. The plan was confirmed on xx/xx/xxxx. Under Chapter xx amended plan, the debtor shall pay to the trustee the sum of $x,xxx.xx per month for xx months and $x,xxx.xx per month for xx months for the total amount of $xxx,xxx.xx. The motion for relief was filed on xx/xx/xxxx. The date of the last filing of bankruptcy was xx/xx/xxxx. | This modification agreement was made on xx/xx/xxxx between xx and Borrower xx.<br> The unpaid principal balance is $xxx,xxx.xx with an interest rate of x.xx%. The borrower promises to pay the monthly P&I of $xxx.xx beginning from xx/xx/xxxx. The maturity date will be on xx/xx/xxxx.<br> The prior modification was done on xx/xx/xxxx located at "xx".<br>| Affiliated Business Disclosure<br> Final Truth in Lending Discl.<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Mortgage Insurance<br> Notice of Servicing Transfer | xx | 3: Curable |  | \* MI, FHA or MIC missing and required (Lvl 3) "PMI certificate is missing from the loan file." | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed the TILA APR test."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed TILA APR Test: FAIL, Loan Data: 0.000%, Comparison:5.299% and Variance:-5.299%.<br> This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4))<br> The annual percentage rate (APR) is 5.299%. The disclosed APR of 0.000% is not considered accurate because it is more than<br> 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow acct. disclosure is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service providers disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The Subject property has been located in Illinois State. The below required state disclosures are missing from the given loan file:<br> 1] IL Collateral Protection Insurance Notice.<br> 2] Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing from the loan file." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 35074983 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 75.000% | 75.000% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 36.030% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.x | Not Applicable | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | The review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx.<br> The chain of the assignment has been completed. Currently, the mortgage is with xx which was recorded on xx/xx/xxxx.<br> There is a junior mortgage in the favor of xx which was recorded on xx/xx/xxxx for the amount of $xx,xxx.<br> There are three IRS lien against borrower xx, First in the favor of xx which was recorded on xx/xx/xxxx for the amount of $xxx,xxx.xx, second in the favor of xx which was recorded on xx/xx/xxxx for the amount of $xx,xxx.xx and third in the favor of xx which was recorded on xx/xx/xxxx for the amount of $xx,xxx.xx.<br> The first installment county taxes of xxxx have been paid in the amount of $xxxx.xx on xx/xx/xxxx. xxxx second installment county taxes are due in the amount of $xxxx.xx for the due date xx/xx/xxxx. No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is currently delinquent for xx months. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $xxx.xx and PITI is in the amount of $x,xxx.xx. The UPB reflected as per the payment history is in the amount of $$xxx,xxx.xx.<br>| Collections Comments:According to servicing comments, the loan is currently in an active bankruptcy. The borrower had filed bankruptcy under chapter xx with the case #xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. The debtor shall pay $xxxx per month for the period of xx months. The proof of claim was filed on xx/xx/xxxx with the claim amount of $xxx,xxx.xx and the amount of arrearage is $xx,xxx.xx.<br> The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. The foreclosure sale was scheduled on xx/xx/xxxx. However, the foreclosure was put on hold due to the borrower had filed bankruptcy under chapter xx with the case #xx on xx/xx/xxxx.<br> Unable to determine the reason for default. The review of payment history shows that the borrower has been delinquent for xx months and next due date for the payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx for due date xx/xx/xxxx. The UPB is reflected in the amount of $xxx,xxx.xx till the due date of xx/xx/xxxx. The borrower has been making the payments as per the modification agreement.<br> The loan modification agreement was made on xx/xx/xxxx between borrower xx, and Lender xx. The borrower promises to make a monthly payment of $xxx.xx with the rate of interest of x.xxx% beginning from xx/xx/xxxx to till maturity date xx/xx/xxxx. The New Principal balance stated in the modification is $xxx,xxx.xx. The loan modification agreement dated xx/xx/xxxx is found in the loan file.<br> The servicing comment dated xx/xx/xxxx shows that the subject property has been occupied by the owner. The latest BPO is not available. Recent servicing comments do not reflect any damage pertaining to the subject property. <br>Foreclosure Comments:According to servicing comments, The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. The foreclosure sale was scheduled on xx/xx/xxxx. However, the foreclosure was put on hold due to the borrower had filed bankruptcy under chapter xx with the case #xx on xx/xx/xxxx.<br> Bankruptcy Comments:The borrower xx had filed bankruptcy under chapter xx with the case #xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. The date of the last filing is xx/xx/xxxx. The debtor shall pay $xxxx per month for the period of xx months. The proof of claim was filed on xx/xx/xxxx with the claim amount of $xxx,xxx.xx and the amount of arrearage is $xx,xxx.xx.  | The loan modification agreement was made on xx/xx/xxxx between borrower xx, and Lender xx. The borrower promises to make a monthly payment of $xxx.xx with the rate of interest of x.xxx% beginning from xx/xx/xxxx to till maturity date xx/xx/xxxx. The New Principal balance stated in the modification is $xxx,xxx.xx. The loan modification agreement dated xx/xx/xxxx is found in the loan file.<br>| Initial Escrow Acct Disclosure<br> Missing Dicsloures<br> Missing Required State Disclosures<br> Origination Appraisal | xx | 2: Acceptable with Warnings |  |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "The list of service providers disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The following state disclosures are missing from the loan file. <br> 1. Construction Lien Disclosure, <br> 2. Mortgage Loan Servicing Disclosure.<br> 3. Choice of Insurance Notice.<br> 4. Purchase Money Residential Mortgage Loan Closing Valuation Disclosure.<br> 5. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application."<br> \* Operative index value is unable to confirm (Lvl 2) "Unable to determine the operative index value source from the loan file."<br> \* ROR not hand dated by borrower(s) (Lvl 2) "ROR is not hand dated by borrower."<br> \* Settlement date is different from note date (Lvl 2) "As per HUD-1, the settlement date is xx/xx/2000, which is not aligned with the note date xx/xx/2000." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 6601110 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | Other |  | ? | ????.?? | ??/??/???? | Not Applicable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 80.000% | 80.000% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 44.307% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxxx.xx | xx/xx/xxxx | Extend Term | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> The chain of assignment has been completed. The last assignment was done from xx.<br> There is an active prior mortgage against the subject property which was originated on xx.<br> There is an active junior mortgage against the subject property which was originated on xx.<br> There are three municipal liens against the subject property in the favor of xx for the amount of $x,xxx.xx, $x,xxx.xx and $x,xxx.xx which was recorded on xx/xx/xxxx, xx/xx/xxxx and xx/xx/xxxx respectively.<br> There is an active water lien against the subject property in the favor of xx for the amount of $xxx.xx which was recorded on xx/xx/xxxx.<br> There are two IRS liens against the borrower xx in the favor of IRS for the total amount of $xxxxx.xx which was recorded on xx/xx/xxxx and xx/xx/xxxx.<br> There is an active state tax lien against the borrower xx in the favor of xx for the amount of $x,xxx.xx which was recorded on xx/xx/xxxx.<br> There are two active junior civil judgments against the borrower xx in the favor of xx for the total amount of $xxxx.xx which was recorded on xx/xx/xxxx and xx/xx/xxxx.<br> The county and school annual taxes for the year xxxx have been paid in the total amount of $xxxx.xx.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is delinquent for xx months and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The UPB is reflected in the amount of $xxx,xxx.xx. The loan has been modified since origination. The borrower has been making the payment as per the modification which was made on xx/xx/xxxx. | Collections Comments:According to the servicing comments, the loan is in active collections and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The UPB is reflected in the amount of $xxx,xxx.xx.<br> The loan has been modified since origination. The borrower has been making the payment as per the modification which was made on xx/xx/xxxx between the borrower xx and the lender xx. The new principal balance is $xxx,xxx.xx. The borrower promises to pay $x,xxx.xx with the interest rate of x.xxx% beginning from xx/xx/xxxx. The extended maturity is xx/xx/xxxx. <br> The foreclosure was initiated in xxxx. The file was referred to an attorney on xx/xx/xxxx. The further details are not available. However, the file has been put on hold as xx (borrower/debtor) had filed bankruptcy under chapter xx with the case#xx on xx/xx/xxxx. The creditor xx had filed POC on xx/xx/xxxx with a secured claim amount of $xxx,xxx.xx and arrears of $xx,xxx.xx. The debtor had filed proposed chapter xx plan on xx/xx/xxxx, the debtor shall pay $x,xxx.xx per month for xx months for the base amount of $xxx,xxx.xx. As per the trustee's final report dated xx/xx/xxxx, the amount of $x.xx had been paid by the debtor. However, the case was dismissed due to debtor fails to make plan payment on xx/xx/xxxx and terminated on xx/xx/xxxx.<br> Unable to determine the current condition and occupancy of the subject property.<br> Foreclosure Comments:The foreclosure was initiated in xxxx. The file was referred to an attorney on xx/xx/xxxx. The further details are not available. However, the file has been put on hold as xx(borrower/debtor) had filed bankruptcy under chapter xx with the case#xx on xx/xx/xxxx. <br> Bankruptcy Comments:xx (borrower/debtor) had filed bankruptcy under chapter xx with the case#xx on xx/xx/xxxx. The creditor xx had filed POC on xx/xx/xxxx with a secured claim amount of $xxx,xxx.xx and arrears of $xx,xxx.xx. The debtor had filed proposed chapter xx plan on xx/xx/xxxx, the debtor shall pay $x,xxx.xx per month for xx months for the base amount of $xxx,xxx.xx. As per the trustee's final report dated xx/xx/xxxx, the amount of $x.xx had been paid by the debtor. However, the case was dismissed due to debtor fails to make plan payment on xx/xx/xxxx and terminated on xx/xx/xxxx. | The loan has been modified since origination. The borrower has been making the payment as per the modification which was made on xx/xx/xxxx between the borrower xx and the lender xx. The new principal balance is $xxx,xxx.xx. The borrower promises to pay $x,xxx.xx with the interest rate of x.xxx% beginning from xx/xx/xxxx. The extended maturity is xx/xx/xxxx. | Affiliated Business Disclosure<br> Credit Application<br> Missing Dicsloures | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "The final application is available in the loan file located at "xx"; however, the first page is missing from the final application."<br> \* Missing Required Disclosures (Lvl 2) "Required List of service providers is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Required Affiliated Business Arrangement Disclosure is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 2898967 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 80.000% | 90.000% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | Not Applicable | Not Applicable | 26.712% | First | Final policy | Not Applicable | xxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx.<br> The chain of the assignment has been completed. Currently, the mortgage is with xx which was recorded on xx/xx/xxxx.<br> x) There is a junior mortgage in the favor of xx.<br> x) There is an active civil judgment against borrower xx, in the favor of xx which was recorded on xx/xx/xxxx for the amount of $xx,xxx.<br> x) There are two active IRS Lien against borrower xx, first in the favor of xx which was recorded on xx/xx/xxxx for the amount of $xx,xxx.xx and second in the favor of xx which was recorded on xx/xx/xxxx for the amount of $xx,xxx.xx.<br> x) There is an active state tax lien against borrower xx, in the favor of xx which was recorded on xx/xx/xxxx for the amount of $xx,xxx.xx.<br> The first and second installment county taxes of xxxx-xx due in the amount $xxxx.xx. No delinquent taxes has been found for the prior year. | The review of payment history shows that the borrower has been delinquent for xx months and next due date for the payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx for due date xx/xx/xxxx. The UPB is reflected in the amount of $xxx,xxx.xx till the due date of xx/xx/xxxx. The borrower has been making the payments as per the ARM notice (Doc Locator:xx). | Collections Comments:According to servicing comments, the loan is currently in active bankruptcy. The borrower had filed bankruptcy under chapter xx with the case #xx on xx/xx/xxxx and the plan was not confirmed. The motion for relief from stay was filed on xx/xx/xxxx. The debtor shall $xxx for x months, then $xxxx for x months, then $xxxxx for xx months and $xx,xxx per month for the period of xx months. The proof of claim was filed on xx/xx/xxxx with the claim amount of $xxx,xxx.xx and the amount of arrearage is $xx,xxx.xx.<br> The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. The foreclosure complaint was filed on xx/xx/xxxx. The comment dated xx/xx/xxxx shows that the foreclosure sale was scheduled on xx/xx/xxxx. However, the foreclosure was put on hold due to the borrower had filed bankruptcy under chapter xx with the case #xx on xx/xx/xxxx.<br> Unable to determine the reason for default. The review of payment history shows that the borrower has been delinquent for xx months and next due date for the payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx for due date xx/xx/xxxx. The UPB is reflected in the amount of $xxx,xxx.xx till the due date of xx/xx/xxxx. The borrower has been making the payments as per the ARM notice (Doc Locator: xx).<br> The latest property inspection report is not available in the loan file to determine current property condition.<br> Foreclosure Comments:According to servicing comments, the foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. The foreclosure complaint was filed on xx/xx/xxxx. The comment dated xx/xx/xxxx shows that the foreclosure sale was scheduled on xx/xx/xxxx. However, the foreclosure was put on hold due to the borrower had filed bankruptcy under chapter xx with the case #xx on xx/xx/xxxx. <br> Bankruptcy Comments:The borrower had filed bankruptcy under chapter xx with the case #xx on xx/xx/xxxx and the plan was not confirmed. The motion for relief from stay was filed on xx/xx/xxxx. The debtor shall $xxx for x months, then $xxxx for x months, then $xxxxx for xx months and $xx,xxx per month for the period of xx months. The proof of claim was filed on xx/xx/xxxx with the claim amount of $xxx,xxx.xx and the amount of arrearage is $xx,xxx.xx.  | Not Applicable | Initial Escrow Acct Disclosure<br> Missing Dicsloures<br> Missing Required State Disclosures | xx | 3: Curable |  | \* Not all borrowers signed HUD (Lvl 3) "Final HUD-1 is not signed by the borrower." | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "The list of service providers disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The following state disclosures are missing from the loan file. <br> Impound Account Disclosure, Cosigner Notice, Private Mortgage Insurance Disclosure, Earthquake Disclosure forCondominiums, Insurer RecommendationDisclosure, CA Fair Lending Notice, Anti-Tying Disclosure, Fair Debt Collection Notice."<br> \* Operative index value is unable to confirm (Lvl 2) "Unable to calculate operative index from the loan file."<br> \* Settlement date is different from note date (Lvl 2) "According to final HUD-1, the settlement date is xx/xx/2005. However, original note date is xx/xx/2005." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 25380964 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 70.000% | 70.000% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 608 | 711 | 53.112% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xx% | xxx.xx | xx/xx/xxxx | Financial Hardship | The reviews of updated title report dated xx/xx/xxxx, shows that the subject mortgage was originated on xx.<br>The chain of assignment is completed. The latest assignment is from xx.<br>There is a junior mortgage in the favor of xx, a banking organization in the amount of $xx,xxx.xx which was originated on xx/xx/xxxx and recorded on xx/xx/xxxx.<br>There is a credit card judgment lien against borrower in the favor of xx as successor In in the amount of $x,xxx.xx which was recorded on xx/xx/xxxx.<br>There are x Hospital, Medical or Attorney lien against borrower in the favor of xx. in the amount of $x,xxx.xx, $x,xxx.xx and $x,xxx.xx which was recorded on xx/xx/xxxx, xx/xx/xxxx, xx/xx/xxxx.<br>The annual tax is paid in the amount of $x,xxx.xx during the year xxxx, xxxx and xxxx.<br>There is a utilities tax in the amount of $xx.xx during the year xxxx. | Review of the payment history dated from xx/xx/xxxx to xx/xx/xxxx states that the borrower has been delinquent for more than xxx days. The last payment was received in the amount of $x,xxx.xx which was applied to due date xx/xx/xxxx, and the next due date is xx/xx/xxxx. Current UPB reflects in the provided payment history is in the amount of $xxx,xxx.xx. | Collections Comments:The loan is in active bankruptcy. The borrower filed bankruptcy chapter-xx case # xx on xx/xx/xxxx. The POC was filed on xx/xx/xxxx in the amount of $xxx,xxx.xx and the amount of arrearage is $xx,xxx.xx. The plan is yet to be confirmed. The foreclosure was initiated and referred to attorney on xx/xx/xxxx. The complaint file was filed on xx/xx/xxxx. The sale was schedule on xx/xx/xxxx. Foreclosure went on hold due to borrower filed bankruptcy chapter xx on xx/xx/xxxx. No further details have been found. Review of the payment history dated from xx/xx/xxxx to xx/xx/xxxx states that the borrower has been delinquent for more than xxx days. The last payment was received in the amount of $x,xxx.xx which was applied to due date xx/xx/xxxx, and the next due date is xx/xx/xxxx. Current UPB reflects in the provided payment history is in the amount of $xxx,xxx.xx.<br> Foreclosure Comments:The foreclosure was initiated and referred to attorney on xx/xx/xxxx. The complaint file was filed on xx/xx/xxxx. The sale was schedule on xx/xx/xxxx. Foreclosure went on hold due to borrower filed bankruptcy chapter xx on xx/xx/xxxx. No further details have been found.<br> Bankruptcy Comments:As per the PACER report, the borrower filed bankruptcy chapter xx case# xx on xx/xx/xxxx. The POC was filed on xx/xx/xxxx in the amount of $xxx,xxx.xx and the amount of arrearage is $xx,xxx.xx. The plan is yet to be confirmed. | Loan Modification agreement was made between borrower and lender on effective date of xx/xx/xxxx.<br> The borrower had given promise to pay the UPB of $xxx,xxx.xx with interest rate of x.xxx% with P&I of $xxx.xx with fixed amortized type and it was beginning from first payment date on xx/xx/xxxx and ends with the maturity date of xx/xx/xxxx. The UPB that has been amortized is $xxx,xxx.xx as an interest bearing amount. | Affiliated Business Disclosure<br> Final Truth in Lending Discl.<br> Missing Required State Disclosures<br> Right of Rescission | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "The CE failed for TILA APR Test: FAIL"<br> \* ComplianceEase TILA Test Failed (Lvl 2) "TILA APR Test: FAIL Loan Data : 0.000% Comparison Data : 6.416% Variance : -6.416%<br> This loan failed the TILA APR test. The annual percentage rate (APR) is 6.416%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Service Providers is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in Maryland State. The following required state disclosures are missing from the loan file. <br> 1.Affidavit of Consideration<br> 2.Affidavit of Disbursement<br> 3.First Time Buyers Affidavit<br> 4.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure<br> 5.Balloon Payment<br> 6.No Escrow Account<br> 7.Mandatory Binding Arbitration Disclosures<br> 8.Home Buyer Education and Counseling Disclosure"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Disclosure is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "Right of Rescission is missing from the loan file." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 35368715 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Missouri | xx | xx | xx | Missouri | xx | xx | Yes | Yes | Not Applicable | Other | xx | ? | ????.?? | ??/??/???? | Not Applicable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 76.605% | 76.605% | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.x% | xxxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx the subject mortgage was originated on xx.<br> The chain of the assignment has been completed. Currently, the assignment of mortgage is with xx which was recorded on xx/xx/xxxx.<br> There is an active HOA lien found active against subject property in the amount of $x,xxx.xx with xx which was recorded on xx/xx/xxxx. <br> There is Water/Sewer/Utilities lien found active against subject property total in the amount of $x,xxx.xx with xx which was recorded on xx/xx/xxxx. <br> There is a State Tax lien open against the borrower in the amount of $xx,xxx.xx in the favor of Multiple Plaintiff's which was recorded on xx/xx/xxxx.<br> There is a Civil judgment open against the borrower in the amount of $xx,xxx.xx in the favor of Multiple Plaintiff's which was recorded on xx/xx/xxxx.<br> The xxxx Combined annual taxes installments have been paid in the cumulative amount of $x,xxx.xx. No prior years delinquent taxes have been found. | As per review of the payment history dated xx/xx/xxxx, the borrower is currently delinquent for xx months and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for xx/xx/xxxx. The UPB reflected in the latest payment history is in the amount of $xxx,xxx.xx.The borrower has made the payment as per the modification term. | Collections Comments:The loan is currently in bankruptcy and is next due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx.The UPB reflected in the payment history is in the amount of $xxx,xxx.xx. <br> The reason for default is not reflected. Unable to determine the intention of the borrower regarding the subject property. <br> The loan has been modified once since origination. As per the modified term the new principals balance is in the amount of $xxx,xxx.xx. The Borrower promises to pay $x,xxx.xx monthly with a modified interest rate of x.xxx% beginning from xx/xx/xxxx with a maturity date of xx/xx/xxxx. <br> The foreclosure was initiated in xxxx. The file was referred to an attorney on xx/xx/xxxx. The foreclosure was put on hold as the borrower had filed bankruptcy under Chapter xx with case #xx on xx/xx/xxxx. <br> The borrower had filed bankruptcy under Chapter xx with Case #xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. The Bankruptcy POC filed on xx/xx/xxxx and the POC amount is $xxx,xxx.xx and the amount of arrearage is $xx,xxx.xx. Under Chapter xx amended plan, the debtor shall pay to the trustee the sum of $x,xxx.xx per month for x months after that $x,xxx per month for xx months Total of plan payment is $xx,xxx.xx. <br> As per the property inspection Report dated xx/xx/xxxx, the subject property was occupied by an unknown party and the subject property is in good condition. There are no comments related to damage to the subject property. <br>Foreclosure Comments:The foreclosure was initiated in xxxx. The file was referred to an attorney on xx/xx/xxxx. The foreclosure was put on hold as the borrower had filed bankruptcy under Chapter xx with case # xx on xx/xx/xxxx. <br> Bankruptcy Comments:As per the review of PACER report, the borrower had filed bankruptcy under Chapter xx with Case #xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. The Bankruptcy POC filed on xx/xx/xxxx and the POC amount is $xxx,xxx.xx and the amount of arrearage is $xx,xxx.xx. Under Chapter xx amended plan, the debtor shall pay to the trustee the sum of $x,xxx.xx per month for x months after that $x,xxx per month for xx months Total of plan payment is $xx,xxx.xx. | This modification agreement was made between Lender xx on xx/xx/xxxx. As per the modified term the new principal balance $xxx,xxx.xx. The Borrower promises to pay $x,xxx.xx monthly with a modified interest rate of x.xxx% beginning from xx/xx/xxxx with a maturity date of xx/xx/xxxx. | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* Not all borrowers signed HUD (Lvl 3) "Final HUD-1 is not signed by the borrowers." | \* Application Missing (Lvl 2) "Final application is missing from the loan file."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed the TILA APR test and TILA Right of Rescission test."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed TILA APR Test: Loan Data:0.000% Comparison:5.500% Variance:-5.500%<br> This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4))<br> The annual percentage rate (APR) is 5.500%. The disclosed APR of 0.000% is not considered accurate because it is more than<br> 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br> This loan failed the TILA right of rescission test.<br> Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) ,<br> transferred from 12 CFR §226.15(a)(3))<br> The funding date is before the third business day following consummation.<br> The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the<br> notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service providers is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The Subject property is located in Missouri (MO) state. The below Required State disclosures are missing in the given loan files.<br> 1] MO Collateral Protection Act Notice.<br> 2] Borrowers Choice of Insurer orAgent."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan file." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 62272686 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | Yes | Yes | Not Applicable | Second |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | ????.?? | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | 80.000% | 80.000% | Full Documentation | No |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 39.611% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x% | xxxx.xx | xx/xx/xxxx | Financial Hardship | As per the updated title report dated xx/xx/xxxx the subject mortgage was originated on xx. <br> There is a senior mortgage in the amount of $xx,xxx.xx dated xx/xx/xxxx and recorded on xx/xx/xxxx with xx. <br> There is a junior mortgage in the amount of $xx,xxx.xx dated xx/xx/xxxx and recorded on xx/xx/xxxx with xx.<br> There is one mechanics lien in the amount of $x,xxx.xx recorded on xx/xx/xxxx in favor of xx.<br> The chain of assignment is complete as the last assignee is xx.<br> The taxes for the year xxxx are paid in the amount of $x,xxx.xx. The xxxx-xxxx xnd half taxes are due on xx/xx/xxxx in the amount of $x,xxx.xx. There are on prior delinquent taxes found open. | The review of the payment history shows that the borrower is not making regular payments and the borrower is xx months delinquent. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied to xx/xx/xxxx payment. The next due date is xx/xx/xxxx. The UPB as per payment history is $xxx,xxx.xx. | Collections Comments:The borrower is not making regular payments and the borrower is xx months delinquent. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx, which was applied to xx/xx/xxxx payment. The next due date is xx/xx/xxxx. The UPB as per payment history is $xxx,xxx.xx. <br> There is no evidence found about post close foreclosure or bankruptcy.<br> The taxes for the year xxxx are paid in the amount of $x,xxx.xx. The xxxx-xxxx xnd half taxes are due on xx/xx/xxxx in the amount of $x,xxx.xx. There are on prior delinquent taxes found open. <br> The property condition is fair as per inspection report dated xx/xx/xxxx. There is no evidence of repairs or damages to the subject propriety.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was done between xx (borrower) and xx. on xx/xx/xxxx. The new principal balance is #xxx,xxx.xx, from which deferred balance is $xx,xxx.xx and interest bearing amount is $xxx,xxx.xx. The P&I is $x,xxx.xx and interest rate is x.xx%. The payments begin on xx/xx/xxxx and new maturity date is xx/xx/xxxx.<br> The loan has been modified for only one time since origination. | Affiliated Business Disclosure<br> Document Showing a Index Numerical Value | xx | 2: Acceptable with Warnings |  |  | \* Missing Required Disclosures (Lvl 2) "The service providers list is missing from the loan file."<br> \* Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) "The operative index is unavailable from the documents provided."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Disclosure is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 16894221 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 80.000% | 80.000% | Full Documentation | No |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 742 | Not Applicable | 33.857% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Updated title report as of xx/xx/xxxx shows subject mortgage was originated on xx. Chain of assignment is complete as current assignee is xx. There are no outstanding title issues, liens/judgements. Taxes are due for xx/xx/xxxx in the amount of $xxx.xx and for xx/xx/xxxx in the amount of $xxx.xx. | The Payment History dated as of xx/xx/xxxx reveals that the borrower has been the delinquent from xx/xx/xxxx to present. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx and it was applied for the due date xx/xx/xxxx. The current P&I is $xxx.xx and rate of interest is x.x%. The current unpaid principal balance is in the amount of $xxx,xxx.xx. | Collections Comments:The loan is currently in active bankruptcy and the next due for the payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx which was applied to xx/xx/xxxx. The current UPB is reflected in the amount of $xxxxxx.xx. The borrower filed chapter xx bankruptcy on xx/xx/xxxx but the plan was denied by the court on xx/xx/xxxx. The foreclosure was referred to attorney on xx/xx/xxxx. The foreclosure was put on hold because the borrower filed bankruptcy chapter xx with case #xx on xx/xx/xxxx. Further action is awaited. Recommend retention options be extended to borrower once bankruptcy is dismissed. If borrower does not qualify for retention,<br> Foreclosure Comments:Foreclosure has been filed as of xx/xx/xxxx. Foreclosure is currently on hold due to chapter xx bankruptcy that was filed on xx/xx/xxxx. Bankruptcy plan has been denied and is pending dismissal. <br> Bankruptcy Comments:Borrower had filed bankruptcy under chapter-xx with the case#xx on xx/xx/xxxx and the plan was denied by the court on xx/xx/xxxx without an option to file another plan. Per the order denying the plan, the debtor has xx days to file under another chapter or voluntarily dismiss the case. POC was filed by xx on xx/xx/xxxx, in the secured claim amount $xxxxxx.xx and an arrearage in the amount of $xxxxx.xx. Awaiting further action. Case dismissed on xx/xx/xx. | Not Applicable | Affiliated Business Disclosure | xx | 2: Acceptable with Warnings |  |  | \* Initial Truth in Lending Disclosure is Missing (Lvl 2) "Initial TIL is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Service Providers is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Required Affiliated Business Disclosure missing from the loan file." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 42359944 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | ????.?? | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | Unavailable | Unavailable | Unavailable |  |  |  |  | Not Applicable |  | Not Applicable | Single Family | Not Applicable | Unavailable | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx | Not Applicable | x.xxx% | xxxx.xx | xx/xx/xxxx | Lower Payment | The review of the updated title report dated xx/xx/xxxx, shows that the subject mortgage was originated on xx.<br>The chain of assignment has been completed. The current assignment is from xx, Its Attorney In Fact. to xx.<br>There is a junior mortgage active in the favor of xx. in the amount of $ xx,xxx.xx recorded on xx/xx/xxxx.<br>There is junior civil judgment active in the favor of xx in the amount of $xxxx.xx recorded on xx/xx/xxxx.<br>xxxx Combined xnd Installment have been due in the amount of $ xxx.xx.<br>xxxx Combined xst Installment have been paid in the amount of $ xxx.xx. | According to the payment history as of xx/xx/xxxx, the borrower is currently delinquent for xx months. The last payment received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $x,xxx.xx and PITI is in the amount of $x,xxx.xx. The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx. | Collections Comments:The loan is currently in bankruptcy. The borrower is currently delinquent for xx months. The last payment received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $x,xxx.xx and PITI is in the amount of $x,xxx.xx. The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx. The loan was modified on xx/xx/xxxx in between the borrower xx and lender xx. The new modified principal balance per modification is in the amount of $xxx,xxx.xx with interest rate starting at x.xxx % and borrower promises to pay P&I in the amount of $x,xxx.xx beginning on xx/xx/xxxx. The maturity date reflects per modification is xx/xx/xxxx.<br>The reason for default is unemployment and decreased income. The subject property is occupied by the unknown party. The foreclosure was initiated and the file was referred to the attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx. The foreclosure sale was scheduled for xx/xx/xxxx. As per the comment dated xx/xx/xxxx, the bid amount was $xxx,xxx.xx.However, the foreclosure was put on hold as the bankruptcy dismissed on xx/xx/xxxx. No further details have been found. <br> According to the PACER, the borrower had filed bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx. The POC was filed on xx/xx/xxxx, the POC amount is $xxx,xxx.xx and the arrearage amount is $xxx,xxx.xx. The schedule D of Voluntary Petition shows that the amount of claim without deducting the value of the collateral is $xxx,xxx.xx and the value of the collateral is $xxx,xxx.xx; however, the unsecured portion is $xx,xxx.xx. The debtor shall pay to the trustee $xx.xx for xx months. There are no comments found for damage.<br> Foreclosure Comments:The foreclosure was initiated and the file was referred to the attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx. The foreclosure sale was scheduled for xx/xx/xxxx. As per the comment dated xx/xx/xxxx, the bid amount was $xxx,xxx.xx.However, the foreclosure was put on hold as the bankruptcy dismissed on xx/xx/xxxx. No further details have been found. <br> Bankruptcy Comments:According to the PACER, the borrower had filed bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx. The POC was filed on xx/xx/xxxx, the POC amount is $xxx,xxx.xx and the arrearage amount is $xxx,xxx.xx. The schedule D of Voluntary Petition shows that the amount of claim without deducting the value of the collateral is $xxx,xxx.xx and the value of the collateral is $xxx,xxx.xx; however, the unsecured portion is $xx,xxx.xx. The debtor shall pay to the trustee $xx.xx for xx months. | According to the modification, the loan was modified on xx/xx/xxxx in between the borrower xx and lender xx. The new modified principal balance per modification is in the amount of $xxx,xxx.xx with interest rate starting at x.xxx % and borrower promises to pay P&I in the amount of $x,xxx.xx beginning on xx/xx/xxxx. The maturity date reflects per modification is xx/xx/xxxx. | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 is missing from the loan file along with estimated hud-1 and itemization." | \* Application Missing (Lvl 2) "Final 1003 is missing from the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "An appraisal report is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service providers is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in MA State. The following state disclosures are missing in the loan files.<br> Lead-Based Paint Disclosure<br> Mortgage Loan Application Disclosure<br> Carbon Monoxide Alarms<br> MA Smoke Detector Certificate<br> Notice of the Specific Reason for Denial of Credit<br> Demonstration and Documentation of Compliance with Borrower's Interest Requirement"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 99409310 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | ????.? | Unavailable | ?.???% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | 80.000% | 95.000% | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | xxxxx | xx/xx/xxxx | xxxxxx.xx | xxxxxx.xx | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | Per the Updated Title Report dated xx/xx/xxxx, the subject mortgage is in xst lien position. The Chain of Assignment is complete.<br> There is a State Tax Lien, IRS Lien, and Civil Judgment of record.<br> - State Tax Lien with the xx for $xxx,xxx.xx recorded xx/xx/xxxx.<br> - IRS Lien with the xx for $xx,xxx.xx recorded xx/xx/xxxx.<br> - Civil Judgment with the xx for $x,xxx.xx recorded xx/xx/xxxx.<br> The Annual Tax Amount is $x,xxx.xx.<br> The xxxx-xxxx County xst half taxes are due by xx/xx/xxxx for $x,xxx.xx.<br> The xxxx-xxxx County xnd half taxes are due by xx/xx/xxxx for $x,xxx.xx. | The loan is currently delinquent and due for the xx/xx/xxxx payment. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx and was applied to the September xxxx payment. The current UPB per the tape minus the deferred balance from the loan modification is $xxx,xxx.xx and the deferred balance is $xxx,xxx.xx. | Collections Comments:The loan is currently delinquent, in Bankruptcy, on Foreclosure hold, and due for the xx/xx/xxxx payment. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx and was applied to the September xxxx payment. The current UPB per the tape minus the deferred balance from the loan modification is $xxx,xxx.xx and the deferred balance is $xxx,xxx.xx.<br>The loan was modified with an effective date of xx/xx/xxxx with a new principal balance of $xxx,xxx.xx of which $xxx,xxx.xx is the deferred amount with an interest bearing amount of $xxx,xxx.xx where a step rate is being charged starting at x% with a P&I payment of $xxx.xx beginning xx/xx/xxxx then steps up to x%, then x%, and ends at x% with the xx/xx/xxxx payment and a P&I of $x,xxx.xx for the remaining term until maturity date of xx/xx/xxxx.<br>RFD provided xx/xx/xxxx reflects Reduction in income, increase in housing expenses, and long-term or permanent disability. Borrower is applying for Loss Mitigation options and as of xx/xx/xxxx, docs were received for a workout however were incomplete.<br>Foreclosure proceedings began xx/xx/xxxx and the Complaint was filed xx/xx/xxxx. Judgment was entered on xx/xx/xxxx. The Notice of Trustee's Sale provided with the updated title report, reflects the Foreclosure Sale is scheduled for xx/xx/xxxx. The Sale was cancelled and Foreclosure was placed on hold due to the borrower filing Bankruptcy on xx/xx/xxxx. The Bankruptcy was Dismissed xx/xx/xxxx and Terminated xx/xx/xxxx. A new Foreclosure Sale date was scheduled for xx/xx/xxxx however, the Foreclosure was again placed on hold due to the borrower filing Bankruptcy on xx/xx/xxxx.<br>Active Chapter xx Bankruptcy case#xx was filed on xx/xx/xxxx. The Confirmation Hearing is scheduled for xx/xx/xxxx. Schedule D of the Voluntary Petition reflects the amount of claim as $xxxk with a value of collateral as $xxx,xxx leaving $x unsecured portion. The POC dated xx/xx/xxxx reflects the claim amount $xxx,xxx.xx with arrears totaling $xx,xxx.xx. The Chapter xx Plan reflects the debtor to pay $xxx/month for xx months totaling $xx,xxx.<br> Prior Bankruptcy case# xx was filed xx/xx/xxxx and was Dismissed xx/xx/xxxx and Terminated on xx/xx/xxxx.<br>No indication of any damages per the servicing comments provided.<br> Foreclosure Comments:Foreclosure proceedings began xx/xx/xxxx and the Complaint was filed xx/xx/xxxx. Judgment was entered on xx/xx/xxxx. The Notice of Trustee's Sale provided with the updated title report, reflects the Foreclosure Sale is scheduled for xx/xx/xxxx. The Sale was cancelled and Foreclosure was placed on hold due to the borrower filing Bankruptcy on xx/xx/xxxx. The Bankruptcy was Dismissed xx/xx/xxxx and Terminated xx/xx/xxxx. A new Foreclosure Sale date was scheduled for xx/xx/xxxx however, the Foreclosure was again placed on hold due to the borrower filing Bankruptcy on xx/xx/xxxx.<br> Bankruptcy Comments:Active Chapter xx Bankruptcy case# xx was filed on xx/xx/xxxx. The Confirmation Hearing is scheduled for xx/xx/xxxx. Schedule D of the Voluntary Petition reflects the amount of claim as $xxxk with a value of collateral as $xxx,xxx leaving $x unsecured portion. The POC dated xx/xx/xxxx reflects the claim amount $xxx,xxx.xx with arrears totaling $xx,xxx.xx. The Chapter xx Plan reflects the debtor to pay $xxx/month for xx months totaling $xx,xxx.<br> Prior Bankruptcy case# xx was filed xx/xx/xxxx and was Dismissed xx/xx/xxxx and Terminated on xx/xx/xxxx. | The loan was modified with an effective date of xx/xx/xxxx with a new principal balance of $xxx,xxx.xx of which $xxx,xxx.xx is the deferred amount with an interest bearing amount of $xxx,xxx.xx where a step rate is being charged starting at x% with a P&I payment of $xxx.xx beginning xx/xx/xxxx then steps up to x%, then x%, and ends at x% with the xx/xx/xxxx payment and a P&I of $x,xxx.xx for the remaining term until maturity date of xx/xx/xxxx. | Affiliated Business Disclosure<br> Credit Application<br> Document Showing a Index Numerical Value<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure<br> Missing Dicsloures<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 is missing from the loan file. However, estimated HUD-1 and itemization is missing from the loan file." | \* Application Missing (Lvl 2) "Final application is missing from the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow acct disclosure is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "The list of service providers disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The following state disclosures are missing from the loan file. <br> Impound Account Disclosure,Cosigner Notice, Private Mortgage Insurance Disclosure, Earthquake Disclosure forCondominiums, Hazard Insurance Disclosure, Insurer RecommendationDisclosure, CA Fair Lending Notice, Anti-Tying Disclosure, Privacy Notice, Application for Credit-Married Persons, Fair Debt Collection Notice."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan file."<br> \* Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) "The subject Note at origination is an Interest Only Adjustable Rate Note. Unable to determine the Operative Index Value used by the lender at origination."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "The affiliated business form disclosure is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 27558455 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | No | Not Applicable | First |  | ? | ? | ??/??/???? | Not Applicable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | Unavailable | Unavailable | Full Documentation |  |  |  |  | Not Applicable |  | Not Applicable | Single Family | Not Applicable | Unavailable | Primary | Yes | Yes | No | Unavailable | Not Applicable | 37.839% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. <br> The chain of assignment has not been completed. Currently, the mortgage is with xx which was recorded on xx/xx/xxxx.<br> No active liens and judgments against the borrower.<br> Current year taxes are to be follow. | According to the review of payment history as of xx/xx/xxxx, the borrower is delinquent for x months. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $x,xxx.xx and PITI is in the amount of $x,xxx.xx. As per the tape data as of xx/xx/xxxx, the UPB reflected in the amount of $xxx,xxx.xx. The borrower has been making the payments as per the modification term which was done in the year of xxxx. | Collections Comments:The loan is currently in Bankruptcy. According to the review of payment history as of xx/xx/xxxx, the borrower is delinquent for x months. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $x,xxx.xx and PITI is in the amount of $x,xxx.xx. As per the tape data as of xx/xx/xxxx, the UPB reflected in the amount of $xxx,xxx.xx. The borrower has been making the payments as per the modification term which was done in the year of xxxx.<br> This loan modification agreement was made between the borrower xx and the lender xx on xx/xx/xxxx.<br> The borrower promises to pay the new UPB in the amount of $xxx,xxx.xx with an annual fixed modified interest rate of x.xxx% and new P&I is in the amount of $x,xxx.xx along with monthly escrow amount of $xxx.xx beginning from xx/xx/xxxx till the maturity date xx/xx/xxxx. The interest-bearing amount is $xxx,xxx.xx. There is no provision for the balloon payment.<br>The reason for default is death of principal borrower and unemployment.<br> As per the servicing comment dated xx/xx/xxxx, the subject property is occupied by the owner. However, no details have been found regarding the subject property condition. Also no details have been found regarding the damage and repairs. <br> The borrower's intention is to keep the property. <br> The foreclosure was initiated. As per the comment dated xx/xx/xxxx, the file was referred to an attorney on xx/xx/xxxx. As per the comment dated xx/xx/xxxx, the foreclosure was put on hold on the same day for loan modification process. However, the foreclosure is currently on hold as the borrower filed bankruptcy on xx/xx/xxxx. <br> According to the PACER, the borrower had filed bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx. The POC was filed on xx/xx/xxxx, the POC amount is $xxx,xxx.xx and the arrearage amount is $xx,xxx.xx. The debtor had filed proposed chapter xx plan on xx/xx/xxxx; however, lender had filed an objection to the confirmation of chapter xx plan on xx/xx/xxxx. The schedule D of Voluntary Petition doesn't show any unsecured debt. Trustee had filed motion on xx/xx/xxxx to dismiss the chapter xx case.The date of last filing is xx/xx/xxxx. There is no comment indicating a cramdown. <br> Foreclosure Comments:The foreclosure was initiated. As per the comment dated xx/xx/xxxx, the file was referred to an attorney on xx/xx/xxxx. As per the comment dated xx/xx/xxxx, the foreclosure was put on hold on the same day for loan modification process. However, the foreclosure is currently on hold as the borrower filed bankruptcy on xx/xx/xxxx. <br> Bankruptcy Comments:According to the PACER, the borrower had filed bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx. The POC was filed on xx/xx/xxxx, the POC amount is $xxx,xxx.xx and the arrearage amount is $xx,xxx.xx. The debtor had filed proposed chapter xx plan on xx/xx/xxxx; however, lender had filed an objection to the confirmation of chapter xx plan on xx/xx/xxxx. The schedule D of Voluntary Petition doesn't show any unsecured debt. Trustee had filed motion on xx/xx/xxxx to dismiss the chapter xx case. The date of last filing is xx/xx/xxxx. There is no comment indicating a cramdown. | This loan modification agreement was made between the borrower xx and the lender xx on xx/xx/xxxx.<br> The borrower promises to pay the new UPB in the amount of $xxx,xxx.xx with an annual fixed modified interest rate of x.xxx% and new P&I is in the amount of $x,xxx.xx along with monthly escrow amount of $xxx.xx beginning from xx/xx/xxxx till the maturity date xx/xx/xxxx. The interest-bearing amount is $xxx,xxx.xx. There is no provision for the balloon payment. | Affiliated Business Disclosure<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 2: Acceptable with Warnings |  |  | \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Services Providers is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer Disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Form is missing from the loan file." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 98081671 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 40.053% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of Updated title report dated xx.<br> The chain of assignment has been completed. Currently, the assignment is from Bank of xx recorded on xx/xx/xxxx.<br> There is not active liens and judgments.<br> The annual county taxes for the year xxxx have been due in the amount of $xxx.xx which will due for xx/xx/xxxx.<br> The annual town taxes for the year xxxx have been due in the amount of $xxx.xx which will due for xx/xx/xxxx. The annual school taxes for the year xxxx have been due in the amount of $xxxx.xx which will due for xx/xx/xxxx.<br> No prior years of delinquent taxes have been found.<br>| The review of payment history as of xx/xx/xxxx the borrower is currently delinquent for x month and next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx which was applied for xx/xx/xxxx. The current P&I is $xxxx.xx and PITI is $xxxx.xx. The UPB reflected in the payment history is in the amount of $xxx,xxx.xx. The borrower has been making payment as per Note terms. | Collections Comments:The loan is currently in bankruptcy and next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx which was applied for xx/xx/xxxx. The current P&I is $xxxx.xx and PITI is $xxxx.xx. The UPB reflected in the payment history is in the amount of $xxx,xxx.xx. The borrower has been making payment as per Note terms.<br> The loan has not been modified since origination.<br> According to comment dated xx/xx/xxxx, the reason for default is unemployment.<br>The foreclosure was initiated and referred to an attorney on xx/xx/xxxx. However, the borrower xx had filed bankruptcy under Chapter xx with the case #xx on xx/xx/xxxx and foreclosure was put on hold.<br> The borrower xx had filed bankruptcy under Chapter xx with the case #xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. The POC was filed on xx/xx/xxxx with the secured claim amount of $xxx,xxx.xx and the arrearage is $xx,xxx.xx.According to the Chapter xx plan dated xx/xx/xxxx, the debtor shall pay the trustee $xxxx.xx per month for a period of xx months.<br> According to comment dated xx/xx/xxxx, the subject property is owner-occupied.<br> No comments were indicating damages and repairs pertaining to the subject property.<br>Foreclosure Comments:The foreclosure was initiated and referred to an attorney on xx/xx/xxxx. However, the borrower xx had filed bankruptcy under Chapter xx with the case #xx on xx/xx/xxxx and foreclosure was put on hold.<br>Bankruptcy Comments:The borrower xx had filed bankruptcy under Chapter xx with the case #xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. The POC was filed on xx/xx/xxxx with the secured claim amount of $xxx,xxx.xx and the arrearage is $xx,xxx.xx.According to the Chapter xx plan dated xx/xx/xxxx, the debtor shall pay the trustee $xxxx.xx per month for a period of xx months. | Not Applicable | Good Faith Estimate | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Exceptions Test Failed (Lvl 2) "PA License Validation Test: FAIL<br> This loan failed the Pennsylvania license validation test. (PA HB 2179 Section 6111)<br> The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be<br> licensed, effective xx, 2008.<br> The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a<br> closing date before xx, 2008"<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed PA License Validation Test."<br> \* Good Faith Estimate missing or unexecuted (Lvl 2) "The Final Good Faith Estimate is missing from loan file." |  | Moderate | Not Covered | Pass | Pass | Not Covered | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 33919705 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Minnesota | xx | xx | xx | Minnesota | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ???? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 80.000% | 80.000% | Full Documentation | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 50.009% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxxx.x | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title Report dated xx/xx/xxxx shows the subject mortgage was originated on xx.<br> There is one state tax lien judgment against the borrower found open in the amount of $xxxx.xx favor of xx which was recorded on xx/xx/xxxx.<br> There are two civil judgment against the borrower found open in the total amount of $xxxx.xx as below. :-<br> x) Credit card civil judgment against the borrower in the amount of $x,xxx.xx favor of xx, as successor in xx which was recorded on xx/xx/xxxx.<br> x) Credit card civil judgment against the borrower in the amount of $x,xxx.xx favor of xx, as Successor which was recorded on xx/xx/xxxx.<br> As per updated title report, county taxes for the year of xxxx, xst & xnd installment was paid in the total amount of $xxxx.xx. No delinquent taxes have been found for the prior years. | As per the review of payment history, the borrower is delinquent more than xxx days. The last payment was received on xx/xx/xxxx in the amount $xxx.xx which was applied to xx/xx/xxxx. The next due date is xx/xx/xxxx. The payment was received as per modification agreement. The payment history does not show current UPB. Hence, value is taken from the tape data in the amount of $xxx,xxx.xx. | Collections Comments:The foreclosure was initiated by referring it to attorney on xx/xx/xxxx and the complaint was filed dated on xx/xx/xxxx. According to servicing comment, foreclosure sale schedule for xx/xx/xxxx. Due to filing of bankruptcy by borrower on xx/xx/xxxx FC process currently was put on hold. No further details are available.<br> Borrower has filed bankruptcy under Chapter xx, case # xx on xx/xx/xxxx and plan was confirmed on xx/xx/xxxx. According to chapter xx plan debtor shall pay the trustee in the amount of $xxx.xx per months for the xx months. Schedule-D in Voluntary petition shows $xxxxxx.xx as unsecured portion out of claim amount $xxxxxx.xx No document or servicing comments were found that indicates property had a cram down. The POC had filed on xx/xx/xxxx in the amount of $xxx,xxx.xx with amount of arrearage $x,xxx.xx.<br> As per the review of payment history, the borrower is delinquent more than xxx days. The last payment was received on xx/xx/xxxx in the amount $xxx.xx which was applied to xx/xx/xxxx. The next due date is xx/xx/xxxx. The payment was received as per modification agreement. The payment history does not show current UPB. Hence, value is taken from the tape data in the amount of $xxx,xxx.xx.<br> The reason for default is illness of borrower. <br> According to servicing comment, subject property is owner occupied. No information has been found regarding any damage or repair.<br>Foreclosure Comments:The foreclosure was initiated by referring it to attorney on xx/xx/xxxx and the complaint was filed dated on xx/xx/xxxx. According to servicing comment, foreclosure sale schedule for xx/xx/xxxx. Due to filing of bankruptcy by borrower on xx/xx/xxxx FC process currently was put on hold. No further details are available.<br> Bankruptcy Comments:Borrower has filed bankruptcy under Chapter xx, case # xx on xx/xx/xxxx and plan was confirmed on xx/xx/xxxx. According to chapter xx plan debtor shall pay the trustee in the amount of $xxx.xx per months for the xx months. Schedule-D in Voluntary petition shows $xxxxxx.xx as unsecured portion out of claim amount $xxxxxx.xx No document or servicing comments were found that indicates property had a cram down. The POC had filed on xx/xx/xxxx in the amount of $xxx,xxx.xx with amount of arrearage $x,xxx.xx. | This loan modification was done on xx/xx/xxxx between the xx (Borrower) & xx. (Lender). The amortization type is step and new unpaid Principal balance is $xxx,xxx.xx and lender defer in the amount of $xxx,xxx.xx which was paid on maturity date. As per modification agreement interest bearing amount is $xxx,xxx.xx and modification original rate is x.xxx % and Monthly P&I is $xxx.xx. The modification payment start date is xx/xx/xxxx and new maturity date is xx/xx/xxxx. | Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed the TILA finance charge test. <br> This loan failed the TILA foreclosure rescission finance charge test."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA finance charge test.<br> Loan data is $320921.96 which is compared with 321036.96 favor of -$115.00<br> The finance charge is $321,036.96. The disclosed finance charge of $320,921.96 is not considered accurate because it is understated by more than $100.<br> This loan failed the TILA foreclosure rescission finance charge test. <br> Loan data is $320921.96 which is compared with 321036.96 favor of -$115.00<br>The finance charge is $321,036.96. The disclosed finance charge of $320,921.96 is not considered accurate for purposes of rescission because it is understated by more than $35."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer Document Disclosure is missing from the loan file." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 66631843 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ???.? | ?.???% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 84.000% | 84.000% | Full Documentation | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | 46.648% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | xxxxx | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | The review of the updated title report dated xx/xx/xxxx shows that the subject mortgage originated on xx.<br> The chain of the assignment is complete. Last assignment from xx was recorded on xx/xx/xxxx.<br> xst installments of County taxes for the year xxxx are paid in the amount of $xxxx.xx. No prior years delinquent taxes found.<br> The following judgments and liens are active on the title:<br> x. Junior mortgage in the amount of $xxxx originated on xx/xx/xxxx with xx "Lender" was recorded on xx/xx/xxxx.<br> x. Lis Pendens against borrower was filed by xx" was recorded on xx/xx/xxxx.<br> x. Civil judgment in the amount of $xxxx filed by xx was recorded on xx/xx/xxxx.<br> x. State tax lien in the amount of $xxxx.xx filed by xx was recorded on xx/xx/xxxx. <br>| The review of the payment history shows that the borrower is delinquent for more than xxx days and the loan is due for xx/xx/xxxx. Last payment of $xxx.xx was received on xx/xx/xxxx for the due date of xx/xx/xxxx. As of date xx/xx/xxxx, the current UPB is $xxxxx.xx. | Collections Comments:The current status of the loan is active bankruptcy and is due for xx/xx/xxxx.<br> The borrower filed bankruptcy case# xx under Chapter xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx and as per the plan the debtor shall pay $xxx.xx to the trustee for xx months. <br> The reason for default as per collection comment is medical and loss of income. <br> Foreclosure information like referred to attorney, complaint filed were not found in the collection comments. As per comment dated xx/xx/xxxx, the final judgment to foreclosure was entered in the amount of $xxxxx.xx and foreclosure sale date was scheduled for xx/xx/xxxx. However, the foreclosure is put on hold due to borrower filing bankruptcy on xx/xx/xxxx.<br> The loan has been modified once on xx/xx/xxxx with New UPB of $xxxxx.xx and interest rate modified to x% (xst step). New P&I of $xxx.xx (xst step) was first due on xx/xx/xxxx and the new maturity date is xx/xx/xxxx. The loan was amortized into x steps.<br> As per comment dated xx/xx/xxxx, subject property has suffered damage on xx/xx/xxxx. The roof of the property is Tarped. Eyeball estimate was assessed to be of $xxxx. No confirmation of borrower received the claim for damage is available in the collection comments. BPO report dated xx/xx/xxxx does not reflect any damage or repair and condition is average.<br> No recent comment on occupancy was found in the collection comments. <br>Foreclosure Comments:Foreclosure information like referred to attorney, complaint filed were not found in the collection comments. As per comment dated xx/xx/xxxx, the final judgment to foreclosure was entered in the amount of $xxxxx.xx and foreclosure sale date was scheduled for xx/xx/xxxx. However, the foreclosure is put on hold due to borrower filing bankruptcy on xx/xx/xxxx.<br>Bankruptcy Comments:The borrower filed bankruptcy case# xx under Chapter xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx and as per the plan the debtor shall pay $xxx.xx to the trustee for xx months. | The borrower entered in a modification agreement on xx/xx/xxxx with xx "Lender". As per the agreement the borrower promises to pay the New principal balance of $xxxxx.xx at modified interest rate of x.% (xst step) with the New P&I of $xxx.xx (xst step). The first modified payment is due on xx/xx/xxxx and the new maturity date is xx/xx/xxxx. The loan has been amortized in x steps. |  | xx | 2: Acceptable with Warnings |  |  | \* ROR not hand dated by borrower(s) (Lvl 2) "ROR is not hand dated by the borrower."<br> \* TIL not hand dated (Lvl 2) "Final TIL is not hand dated by the borrower." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 77756306 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | Yes | Yes | Not Applicable | Other |  | ? | ????.?? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 80.000% | 80.000% | Full Documentation | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 567 | Unavailable | 33.871% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx shows subject mortgage was originated on xx.<br>The chain of assignment is complete. The assignment was transferred from xx.<br>Currently the assignment is with xx.<br>There is warrant (criminal - soc-application) open against the borrower "xx.", in favor of The xx, which was recorded on xx/xx/xxxx.<br> There is utility lien open against the borrower "xx." in the amount of $xxx.xx with xx., which was recorded on xx/xx/xxxx.<br> There is HOA Lien open against the borrower "xx" in the amount of $x,xxx.xx with xx., which was recorded on xx/xx/xxxx.<br> There is HOA Lien open against the borrower "xx" in the amount of $N/A with xx, which was recorded on xx/xx/xxxx<br> There is civil State Tax Lien open against the borrower "xx" in the amount of $x,xxx.xx with Comptroller of xx, which was recorded on xx/xx/xxxx.<br> xxxx xst half county taxes have been paid off in the amount of $x,xxx.xx on xx/xx/xxxx.<br>xxxx xnd half county taxes are due until xx/xx/xxxx, in the amount of $x,xxx.xx.<br>No any prior year taxes are delinquent as per updated title report. | The Payment History is missing from xx/xx/xxxx to xx/xx/xxxx as we required latest xx months complete payment history. However; the tape data shows the borrower is delinquent for xx months and next payment due date was for xx/xx/xxxx. The last payment was received on x/xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The UPB is being reflected in payment history in the amount of $xxx,xxx.xx & Accrued interest in the amount of $xx,xxx.xx. The borrower is making payments as per modification interest rate and terms. | Collections Comments:The review of the collection comment shows that the loan is in the bankruptcy and the next due date for the payment is xx/xx/xxxx. According to the review of latest collection comments the foreclosure was accelerated in the loan in xxxx. The foreclosure was referred to attorney on xx/xx/xxxx and the complaint was filed on xx/xx/xxxx. Sale schedule was set on xx/xx/xxxx. However, the foreclosure put on hold due to borrower had filed bankruptcy on xx/xx/xxxx. Further details regarding the foreclosure are not available.<br> According to the PACER, the borrower had filed for bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx. The date of last filing bankruptcy is xx/xx/xxxx. The plan was not confirmed. The POC was filed on xx/xx/xxxx, the POC amount is $xxx,xxx.xx and the arrearage amount is $xx,xxx.xx. Motion for relief has been filed on xx/xx/xxxx.<br> The Payment History is missing from xx/xx/xxxx to xx/xx/xxxx as we required latest xx months complete payment history. However; the tape data shows the borrower is delinquent for xx months and next payment due date was for xx/xx/xxxx. The last payment was received on x/xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The UPB is being reflected in payment history in the amount of $xxx,xxx.xx & Accrued interest in the amount of $xx,xxx.xx. The borrower is making payments as per modification interest rate and terms.<br> The reason for default is unable to be determined from the latest collection comments. The subject property is occupied by Owner. Borrower's intention was to keep the property. The willingness and the ability of the borrower seem to be poor. No evidences are available in the latest xx months servicing comments regarding damage of the subject property.<br>Foreclosure Comments:According to the PACER, the borrower had filed for bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx. The date of last filing bankruptcy is xx/xx/xxxx. The plan was not confirmed. The POC was filed on xx/xx/xxxx, the POC amount is $xxx,xxx.xx and the arrearage amount is $xx,xxx.xx. Motion for relief has been filed on xx/xx/xxxx.<br> Bankruptcy Comments:According to the PACER, the borrower had filed for bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx. The date of last filing bankruptcy is xx/xx/xxxx. The plan was not confirmed. The POC was filed on xx/xx/xxxx, the POC amount is $xxx,xxx.xx and the arrearage amount is $xx,xxx.xx. Motion for relief has been filed on xx/xx/xxxx. | Loan Modification agreement was made between borrower and lender on effective date of xx/xx/xxxx. The borrower had given promise to pay the UPB of $xxx,xxx.xx with interest rate of x.xxx% with P&I of $x,xxx.xx with fixed amortized type and it was beginning from first payment date on xx/xx/xxxx and ends with the maturity date of xx/xx/xxxx. | Right of Rescission | xx | 2: Acceptable with Warnings |  |  | \* Right of Rescission missing or unexecuted (Lvl 2) "The ROR is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 76233623 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 91.000% | 91.000% | Full Documentation | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 93.902% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.x% | xxx.xx | xx/xx/xxxx | Financial Hardship | <br> As per the review of updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> The chain of assignment has been completed. Currently, the mortgage is with xx which was recorded on x/xx/xxx.<br> There is an active junior state tax lien against borrower xx in the amount of $xxx,xxx.xx recorded on xx/xx/xxxx with case #xx.<br> There are no judgments and liens found against borrower and subject property. <br> The xxxx combined xst installment taxes have been due for xx/xx/xxxx in the amount of $x,xxx.xx.<br> The xxxx combined xnd installment taxes have been for xx/xx/xxxx in the amount of $x,xxx.xx.<br> The xxxx combined xrd installment taxes have been paid for xx/xx/xxxx in the amount of $x,xxx.xx.<br> The xxxx combined xth installment taxes have been due for xx/xx/xxxx in the amount of $x,xxx.xx.<br> The xxxx taxes have been due in the amount of $x,xxx.xx.<br> No delinquent taxes have been found. | As per the review of the payment history, the borrower has been delinquent for x months and the next payment is due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount $x,xxx.xx which was applied for xx/xx/xxxx. The UPB is $xxx,xxx.xx. The current P&I is $xxx.xxand PITI is $x,xxx.xx. The borrower has been making his payments as per the xxxx mod terms. | Collections Comments:The loan is currently in active bankruptcy and the next payment is due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount $x,xxx.xx which was applied for xx/xx/xxxx. As per the review of the PACER report, the borrower Judy White had filed Bk on xx/xx/xxxx with case#xx under chapter xx. The plan was confirmed on xx/xx/xxxx. The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. There was a title issue due to the prior judgment. The issue was resolved. The complaint was filed on xx/xx/xxxx. The service was completed on xx/xx/xxxx. The borrower filed Bk on xx/xx/xxxx with case#xx under chapter xx and FC was placed on hold. The loan was modified once since origination and the borrower has been making his payments as per the mod terms. The RFD is unable to Determine. As per the comment dated xx/xx/xxxx, the property is unknown occupied. No repairs and damages have been found.<br> Foreclosure Comments:The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. There was a title issue due to the prior judgment. The issue was resolved. The complaint was filed on xx/xx/xxxx. The service was completed on xx/xx/xxxx. The borrower filed Bk on xx/xx/xxxx with case#xx under chapter xx and FC was placed on hold.<br> Bankruptcy Comments:As per the review of the PACEr report, the borrower Judy White had filed for bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx.<br> Voluntary petition was filed by the borrower xx on xxx/xx/xxxx. As per voluntary petition schedule D, the amount of claim without deducting the value of the collateral is $xxx,xxx.xx and the value of collateral that supports this claim is $xxx,xxx.xx . Hence, the unsecured portion is $xx,xxx.xx.<br> The POC was filed on xx/xx/xxxx, the POC secured amount is $xxx,xxx.xx and the arrearage amount is $xx,xxx.xx. The MFR was filed on xx/xx/xxxx. | The modification agreement was signed between the borrower xx and the lender xx. on xx/xx/xxxx. The UPB as $xxx,xxx.xx. The borrower promises to pay P&I is $xxx.xx with a modified interest rate of x.xxx %, beginning from xx/xx/xxxx and the maturity is xx/xx/xxxx. | Affiliated Business Disclosure<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 along with estimated HUD-1 and itemization are missing from the loan file" | \* DTI > 60% (Lvl 2) "As per the final 1003 application, the income of the borrower is $1875.00. However, the total debt is $1,760.67. Hence, the DTI is 93.902% which exceeds 60.00%."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial Escrow Account Disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "An appraisal report is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service providers is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in New Jersey State. The following disclosures are missing from the loan file:<br> NJ Application Disclosure<br> Delivery Fee Authorization<br> NJ Attorney Disclosure<br> Unacceptability of Insurance Notice<br> Attorney Disclosure II<br> Tax Bill Information<br> Private Well Testing<br> Lock-In Agreement<br> Commitment Disclosures<br> Choice of Insurer Disclosure<br> Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Disclosure is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "Right of Rescission is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 53988264 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 57.308% | 57.308% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 30.112% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx.<br> The chain of assignment is completed as the subject mortgage assignee has been transferred from "xx. <br> There is utilities annual charges of year xxxx which is delinquent charges against the subject property in the amount of $xxx.xx for the due date xx/xx/xxxx.<br> There is civil judgment against the borrower in amount of $xxx.xx which was recorded on xx/xx/xxxx in the favor of xx'.<br> The county taxes have been paid off in amount of $xxxx.xx. | <br> The Payment History dated xx/xx/xxxx reveals that the borrower has been the delinquent from xx/xx/xxxx to till date. The delinquency has been done for more than x months. The last payment was received in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx.<br> The payment history reflects current unpaid principal balance is in the amount of $xxx,xxx.xx.<br> The loan was modified xx/xx/xxxx; borrower is making the payment as per modification at the interest rate of x.xxx% and P&I $xxx.xx. | Collections Comments:Available servicing comment shows that the subject property is occupied by unknown occupant. No damages have been observed. The latest BPO report is not available to verify the current condition of subject property.<br>The Payment History dated xx/xx/xxxx reveals that the borrower has been the delinquent from xx/xx/xxxx to till date. The delinquency has been done for more than x months. The last payment was received in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx.<br> The payment history reflects current unpaid principal balance is in the amount of $xxx,xxx.xx.<br> The loan was modified xx/xx/xxxx; borrower is making the payment as per modification at the interest rate of x.xxx% and P&I $xxx.xx.<br>Borrower "xx." filed Bankruptcy under the chapter xx case#xx date xx/xx/xxxx. Schedule D of voluntary petition dated xx/xx/xxxx shows that the amount of secured claim without deducting the value of collateral $xxx,xxx.xx and the value of collateral that supports this claim is $xxx,xxx.xx therefore; the unsecured portion is $x.xx. <br> Creditor was filed the POC on with xx/xx/xxxx secured claim amount $xxx,xxx.xx, unsecured amount is $x.xx and arrearage is $xx,xxx.xx. Chapter xx plan was filed on xx/xx/xxxx; the debtor shall pay the payment $xxx.xx per month for xx months. No further information is available about the bankruptcy.<br>The loan modification agreement was made between "xx" (borrowers) and "xx." (Lender) effective date is xx/xx/xxxx. The first modified payment is still due for the date of xx/xx/xxxx and the new maturity date will be xx/xx/xxxx.The new modified unpaid principal balance is $xxx,xxx.xx and interest bearing amount is $xxx,xxx.xx. The Borrower is making the payment as per the modification terms would be x.xxx% and modified P&I $xxx.xx.<br>Review of collection comment stated that the foreclosure was initiated in xxxx, the FC file was referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx. The FC file was placed on hold due to bankruptcy was filed on xx/xx/xxxx under chapter xx. No further information is available about foreclosure.<br> Foreclosure Comments:Review of collection comment stated that the foreclosure was initiated in xxxx, the FC file was referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx. The FC file was placed on hold due to bankruptcy was filed on xx/xx/xxxx under chapter xx. No further information is available about foreclosure.<br> Bankruptcy Comments:Borrower "xx." filed Bankruptcy under the chapter xx case#xx date xx/xx/xxxx. Schedule D of voluntary petition dated xx/xx/xxxx shows that the amount of secured claim without deducting the value of collateral $xxx,xxx.xx and the value of collateral that supports this claim is $xxx,xxx.xx therefore; the unsecured portion is $x.xx. <br> Creditor was filed the POC on with xx/xx/xxxx secured claim amount $xxx,xxx.xx, unsecured amount is $x.xx and arrearage is $xx,xxx.xx. Chapter xx plan was filed on xx/xx/xxxx; the debtor shall pay the payment $xxx.xx per month for xx months. No further information is available about the bankruptcy. | The loan modification agreement was made between "xx" (borrowers) and "xx." (Lender) effective date is xx/xx/xxxx. The first modified payment is still due for the date of xx/xx/xxxx and the new maturity date will be xx/xx/xxxx.The new modified unpaid principal balance is $xxx,xxx.xx and interest bearing amount is $xxx,xxx.xx. The Borrower is making the payment as per the modification terms would be x.xxx% and modified P&I $xxx.xx. | Credit Report<br> Right of Rescission | xx | 2: Acceptable with Warnings |  |  | \* Missing credit report (Lvl 2) "Credit Report missing from loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "The ROR is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 76658544 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | Other |  | ? | ? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 79.997% | 79.997% | Full Documentation | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | 29.476% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.x | xxxxx | x.xx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | The review of the updated title report dated xx/xx/xxxx, shows that the subject mortgage was originated on xx.<br>The chain of assignment has been completed. The current assignment is from xx.<br>There is a junior mortgage active in the favor of xx in the amount of $ xx,xxx.xx recorded on xx/xx/xxxx.<br>There are x USA liens active in the favor of xx in the amount of $ xxxxx.xx recorded on xx/xx/xxxx and xx/xx/xxxx. <br>There are x municipal liens active in the favor of xx in the total amount of $ xxxx.xx.<br>There are x state tax liens active in the favor of xx in the total amount of $ xxxxx.xx.<br> There is a senior state tax lien active in the favor of xx in the amount of $xxxx.xx recorded on xx/xx/xxxx.<br>There is a civil judgment active in the favor of xx. in the amount of $xx,xxx.xx recorded on xx/xx/xxxx.<br>There is a civil judgment active in the favor of xx. in the amount of $xxxx.xx recorded on xx/xx/xxxx.<br>xxxx-xx County taxes have been due in the amount of $ x,xxx.xx. | According to the payment history as of xx/xx/xxxx, the borrower is currently delinquent for xx months. The last payment received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $x,xxx.xx and PITI is in the amount of $x,xxx.xx. The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx. | Collections Comments:The loan is currently in bankruptcy. The borrower is currently delinquent for xx months. The last payment received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $x,xxx.xx and PITI is in the amount of $x,xxx.xx. The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx. The loan was modified on xx/xx/xxxx in between the borrower xx and lender xx. The new modified principal balance per modification is in the amount of $xxx,xxx.xx with interest rate starting at x.xxx % and borrower promises to pay P&I in the amount of $x,xxx.xx beginning on xx/xx/xxxx. The maturity date reflects per modification is xx/xx/xxxx. <br> The reason for default is decreased income. The subject property is occupied by the owner. The foreclosure was initiated and the file was referred to the attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx with the case #xx. The foreclosure judgment entered on xx/xx/xxxx. However, the foreclosure was put on hold as the borrower filed bankruptcy on xx/xx/xxxx. No further details have been found. According to the PACER, the borrower had filed bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx. The POC was filed on xx/xx/xxxx, the POC amount is $xxx,xxx.xx and the arrearage amount is $xx,xxx.xx. The plan not confirmed yet. There are no comments found for damages.<br>Foreclosure Comments:The foreclosure was initiated and the file was referred to the attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx with the case #xx. The foreclosure judgment entered on xx/xx/xxxx. However, the foreclosure was put on hold as the borrower filed bankruptcy on xx/xx/xxxx. No further details have been found. <br> Bankruptcy Comments:According to the PACER, the borrower had filed bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx. The POC was filed on xx/xx/xxxx, the POC amount is $xxx,xxx.xx and the arrearage amount is $xx,xxx.xx. The plan not confirmed yet. | According to the modification, the loan was modified on xx/xx/xxxx in between the borrower xx and lender xx. The new modified principal balance per modification is in the amount of $xxx,xxx.xx with interest rate starting at x.xxx % and borrower promises to pay P&I in the amount of $x,xxx.xx beginning on xx/xx/xxxx. The maturity date reflects per modification is xx/xx/xxxx. | Affiliated Business Disclosure<br> Credit Report<br> Initial Escrow Acct Disclosure<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "TILA Finance Charge Test: Result:FAIL;Loan Data: $527,082.06;Comparison Data:$527,866.53; Variance: -$784.47."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "TILA Finance Charge Test: Result:FAIL;Loan Data: $527,082.06;Comparison Data:$527,866.53; Variance: -$784.47.<br> This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))<br> The finance charge is $527,866.53. The disclosed finance charge of $527,082.06 is not considered accurate because it is<br> understated by more than $100."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial Escrow Acct Disclosure is missing from the loan file."<br> \* Missing credit report (Lvl 2) "Credit Report missing from loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Service Providers Disclosures is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer Disclosure Document is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Form is missing from the loan file." |  | Moderate | Not Covered | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 87392469 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | No | Unavailable | Unavailable | Unavailable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 548 | Not Applicable | 51.839% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x% | xxx.xx | xx/xx/xxxx | Unavailable | As per the updated title report dated xx/xx/xxxx, The subject mortgage is dated xx.<br> The chain of assignment is complete, the current assignee is xx recorded on xx/xx/xxxx.<br> There is a junior lien recorded on xx/xx/xxxx in the amount of $xx,xxx.xx and in the favor of xx.<br> xxxx taxes are paid in the amount of $xxx.xx. | The payment history is missing in the loan files. As per the payment history dated xx/xx/xxxx, the last payment has been made on xx/xx/xxxx in the amount of $xxxx.xx for the due date of xx/xx/xxxx, the loan is next due for xx/xx/xxxx. Currently the borrower is xx behind his scheduled payments. The current UPB is $xxxxxx.xx plus the deferred amount of $xx,xxx.xx. | Collections Comments:As per the collection comments, the loan is currently in active bankruptcy, Foreclosure has been referred to attorney on xx/xx/xxxx, complaint has been filed on xx/xx/xxxx. Borrower filed chapter xx bankruptcy with case # xx on xx/xx/xxxx and plan has been confirmed on xx/xx/xxxx, As per the POC dated xx/xx/xxxx the secured claim amount is $xxx,xxx.xx and amount of arrears is $xx,xxx.xx. As per the confirmed plan borrower shall pay to the trustee $xxxx.xx in the monthly amount of $xxx.xx. Motion for relief has been filed on xx/xx/xxxx. As per the schedule - D of the voluntary petition the unsecured amount is $xxxxxx.xx out of the claim amount of $xxxxxx.xx.<br> The payment history is missing in the loan files. As per the payment history dated xx/xx/xxxx, the last payment has been made on xx/xx/xxxx in the amount of $xxxx.xx for the due date of xx/xx/xxxx, the loan is next due for xx/xx/xxxx. Currently the borrower is xx behind his scheduled payments. The current UPB is $xxxxxx.xx plus the deferred amount of $xx,xxx.xx.<br> As per the comments dated xx/xx/xxxx, Borrower has had paid from some repairs for water damage, RFD stated by borrower is many things one of which is damages insurance did not cove the $xxk, damages stated are for roof repairs due to extensive rain , as per the borrower the company that put the roof went out of business . Borrower is getting the check on the name of Seterus and called to confirm how to process the check, no further information regarding the how much claim amount is received by the borrower is found. <br>Foreclosure Comments:Foreclosure has been referred to attorney on xx/xx/xxxx, complaint has been filed on xx/xx/xxxx.Borrower filed chapter xx bankruptcy with case # xx on xx/xx/xxxx and plan has been confirmed on xx/xx/xxxx.<br> Bankruptcy Comments:Borrower filed chapter xx bankruptcy with case # xx on xx/xx/xxxx and plan has been confirmed on xx/xx/xxxx, As per the POC dated xx/xx/xxxx the secured claim amount is $xxx,xxx.xx and amount of arrears is $xx,xxx.xx. As per the confirmed plan borrower shall pay to the trustee $xxxx.xx in the monthly amount of $xxx.xx. Motion for relief has been filed on xx/xx/xxxx. As per the schedule - D of the voluntary petition the unsecured amount is $xxxxxx.xx out of the claim amount of $xxxxxx.xx. | The modification agreement has been made on xx/xx/xxxx between (Borrower) xx and (Lender) xx.<br> The new principal balance amount is $xxx,xxx.xx with payment starting from xx/xx/xxxx till xx/xx/xxxx at the rate of interest of x% and P&I of $xxx.xx.<br> There is deferred amount of $xxxxx.xx to be paid at the date of maturity. | Mortgage Insurance | xx | 3: Curable |  | \* MI, FHA or MIC missing and required (Lvl 3) "This is a conventional loan. LTV at the origination was 95.00%. The tape data is reflected MI required. Final 1003 reflects monthly MI in the amount of $48.27; however, MI certificate is missing in the loan files." |  |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:<br> Date:<br> Type:Field review | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 54895590 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | Yes | Not Applicable | Other | xx | ? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 94.991% | 94.991% | Full Documentation | Yes | xx | xx | 30.000% | Not Applicable |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 53.743% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxxx.xx | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> The chain of the assignment has been incomplete. There is a break in assignment from xx.<br> There is a Junior mortgage in the favor of xx in the amount of $xx,xxx.xx which was recorded on xx/xx/xxxx.<br> There are x HOA liens against property in the total amount of $xxxxx.xx with xx which were recorded on xx/xx/xxxx,xx/xx/xxxx,xx/xx/xxxx,xx/xx/xxxx,xx/xx/xxxx, xx/xx/xxxx.<br> The xxxx Combined taxes for xrd and xth installments have been paid in the cumulative amount of $xxxx.x. The xxxx Combined taxes for the xst and xnd installment have been due in the amount of $x,xxx.xx. No prior years delinquent taxes have been found. | As per review of the payment history dated xx/xx/xxxx, the borrower is currently delinquent for xx months and the next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for xx/xx/xxxx. The UPB reflected in the tape data is in the amount of $xxx,xxx.xx.The borrower has made the payment as per the modification term. | Collections Comments:The loan is currently in bankruptcy and is next due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx.The UPB reflected in the tape data is in the amount of $xxx,xxx.xx. <br> The reason for default is a curtailment of income. Unable to determine the intention of the borrower regarding the subject property. <br> The loan has been modified since origination. As per modified terms, the unpaid principal balance is $xxx,xxx.xx of which lender has deferred the amount $xxx,xxx.xx. Hence, the modified principal balance and interest-bearing amount is $xxx,xxx.xx is Borrower promises to pay $xxx.xx monthly with a modified interest rate of x.xxx% beginning from xx/xx/xxxx with a maturity date of xx/xx/xxxx.<br> The foreclosure process was initiated in xxxx. The file was referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx with case #xx. The foreclosure was put on hold as the borrower had filed bankruptcy under chapter xx with case #xx on xx/xx/xxxx. <br> The borrower had filed bankruptcy under Chapter xx with Case #xx on xx/xx/xxxx. The Bankruptcy POC filed on xx/xx/xxxx and the POC amount is $xxx,xxx.xx and the amount of arrearage is $xx,xxx.xx. As per the proposed Chapter xx plan, the debtor shall pay to the trustee the sum of $xxx per month for xx months. Total of plan payment is $xx,xxx.xx. As per the voluntary petition, there is an unsecured portion in the amount $xxx,xxx.xx.<br> The subject property is owner-occupied. Unable to determine the condition of subject property since the latest BPO report is unavailable and the comments are not available in the comment history.<br>Foreclosure Comments:The foreclosure process was initiated in xxxx. The file was referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx with case #xx. The foreclosure was put on hold as the borrower had filed bankruptcy under chapter xx with case # xx on xx/xx/xxxx. <br> Bankruptcy Comments:As per the review of PACER report, the borrower had filed bankruptcy under Chapter xx with Case #xx on xx/xx/xxxx. <br> The Bankruptcy POC filed on xx/xx/xxxx and the POC amount is $xxx,xxx.xx and the amount of arrearage is $xx,xxx.xx. As per the proposed Chapter xx plan, the debtor shall pay to the trustee the sum of $xxx per month for xx months. Total of plan payment is $xx,xxx.xx. As per the voluntary petition, there is an unsecured portion in the amount $xxx,xxx.xx.  | This modification agreement was made between Lender xx. and Borrower on xx/xx/xxxx.As per modified terms, the unpaid principal balance is $xxx,xxx.xx of which lender has deferred the amount $xxx,xxx.xx. Hence, the modified principal balance and interest-bearing amount is $xxx,xxx.xx is Borrower promises to pay $xxx.xx monthly with modified interest rate of x.xxx% beginning from xx/xx/xxxx with a maturity date of xx/xx/xxxx. | Affiliated Business Disclosure | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.<br> The loan does charge fee(s) not provided for in this act, which is prohibited.<br> A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)<br> discount points which may be labeled as an origination fee.<br> A person licensed as a mortgage banker or correspondent mortgage banker shall have the right to charge only the following<br> fees:<br> 1 a credit report fee;<br> 2 appraisal fee;<br> 3 application fee;<br> 4 commitment fee;<br> 5 warehouse fee;<br> 6 discount points;<br> Prohibited Fees Test: loan data : $996.66, Comparison data : $0.00, Variance : +$996.66."<br> \* Missing Required Disclosures (Lvl 2) "List of service provider is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business form is missing from the loan file."<br> \* TIL not hand dated (Lvl 2) "TIL executed by borrower but not hand dated." |  | Moderate | Not Covered | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 22633413 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Unavailable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 44.444% | 44.444% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | Yes | Not Applicable | Not Applicable | 55.393% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | As per the review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx.<br> The latest chain of assignment is missing.<br> It should assign to xx.<br> There is one junior mortgage was originated on xx/xx/xxxx and which was recorded on xx/xx/xxxx with (BK# xx), in the amount of $ xxx,xxx.xx, in the favor of xx.<br> There are two civil judgments were found against the borrowers xx.<br> The First civil judgment was recorded on xx/xx/xxxx, in the amount of $x,xxx.xx, in the favor of xx. The Second civil judgment was recorded on xx/xx/xxxx, in the amount of $xx,xxx.xx, in the favor of xx.<br> The xxxx year's County Annual taxes have been paid in the amount of $x,xxx.xx, for the due date xx/xx/xxxx.<br> No prior year delinquent taxes are found. | According to the review of payment history as of xx/xx/xxxx, the borrower is delinquent for x months. The next payment due date is for xx/xx/xxxx. <br> The last payment was received in the amount of $x,xxx.xx, with rate of interest x.xxx%, which was applied for xx/xx/xxxx. <br> The UPB reflected is in the amount of $xxx,xxx.xx.<br> The Current P&I $xxx.xx and PITI is $x,xxx.xx.<br> The borrower is making payment as per modification, which was made on xx/xx/xxxx.<br> The loan has been modified once since origination. | Collections Comments:As per the review of servicing comments the loan is currently in collections. The loan is due for xx/xx/xxxx. <br> The last payment was received in the amount of $x,xxx.xx, with rate of interest x.xxx%, which was applied for xx/xx/xxxx. <br> The UPB reflected is in the amount of $xxx,xxx.xx.<br> The Current P&I $xxx.xx and PITI is $x,xxx.xx.<br> The borrower is making payment as per modification, which was made on xx/xx/xxxx.<br> The loan has been modified once since origination.<br> As per the review of servicing comments, reason for default is damage to the property. <br> But as per the review of collection comments, the borrower wants to keep the property. However, as per the available records borrower is willing to pay the loan. <br> As per the review of servicing comments the foreclosure was initiated and file was referred to attorney on xx/xx/xxxx.<br> The foreclosure was put on hold due to loss mitigation plan.<br> As per the review of servicing comments on xx/xx/xxxx, shows that the property had been damaged due to the Hurricane on xx/xx/xxxx.<br> The borrower has filed insurance in the favor of xx, with claim number xx and policy number xx, with approximate claim amount $xx,xxx.xx.<br> As per the review of servicing comments on xx/xx/xxxx, the xx% interior repairs are completed and still exterior repairs are in progress.<br> baseboard, doors and trim, walls, fixtures, hardware, flooring, insulation, and paint. remediation completed. <br> As per the review of servicing comments on xx/xx/xxxx, the borrower was received a check in the amount of $xx,xxx.xx, with Check number: xx.<br> As per servicing comments on xx/xx/xxxx, the property is occupied by the Owner. <br>Foreclosure Comments:As per the review of servicing comments the foreclosure was initiated and file was referred to attorney on xx/xx/xxxx.<br> The foreclosure was put on hold due to loss mitigation plan.<br> Bankruptcy Comments:Not Applicable | This modification agreement was done between the borrowers xx and lender xx., on xx/xx/xxxx. The reason for modification is a financial hardship.<br> As per the modified terms, new principal balance is $xxx,xxx.xx.<br> There is no principal forgiven amount.<br> There are x steps of modification. Borrower promises to pay and the xst step is $xxx.xx monthly with a modified interest rate x.xxx% beginning from xx/xx/xxxx, xnd step is $xxx.xx monthly with a modified interest rate x.xxx% beginning from xx/xx/xxxx, xrd step is $xxx.xx monthly with a modified interest rate x.xxx% beginning from xx/xx/xxxx and xth step is $xxx.xx monthly with a modified interest rate x.xxx% beginning from xx/xx/xxxx, with a maturity date will be xx/xx/xxxx.<br>| Final Truth in Lending Discl. | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "ComplianceEase risk indicator is moderate as the loan is failing for TILA APR Test."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA APR test as;<br> TILA APR Test: FAIL 0.000% 6.400% -6.400%<br> The annual percentage rate (APR) is 6.400%. The disclosed APR of 0.000% is not considered accurate because it is more than<br> 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method."<br> \* Final TIL Missing or Not Executed (Lvl 2) "The Final TIL is missing from the given loan file."<br> \* Property is Manufactured Housing (Lvl 2) "According to Appraisal report located at "xx" the property type as manufactured home. There is no VIN number mentioned on the legal description of the mortgage. However, the appraisal report shows VIN # xx & xx. There is no affixation affidavit available in loan file. Latest tax report shows separate assessment; however, final policy located at "xx" shows ALTA-7 Manufactured housing endorsement attached with policy stating policy cover both land and manufactured housing unit." |  | Moderate | Not Covered | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 95109653 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | Other |  | ? | ????.?? | ??/??/???? | xx | No | Missing Bidding Instructions | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 76.000% | 76.000% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 16.980% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx<br> There is an active junior mortgage which has been found on the updated title report <br> There is a junior mortgage in the amount of xx<br> x. There is a Muni/City/Code Lien against subject property in the amount of xx. The supporting document attached with title report.<br> x. There is a Muni/City/Code Lien against subject property in the amount ofxx. The supporting document attached with title report.<br> xxxx-xx year annual School tax was paid on xx/xx/xxxx in the amount of $x,xxx.xx.<br> xxxx year annual Town tax was paid on xx/xx/xxxx in the amount of $xxx.xx.<br> xxxx year annual county tax was paid on xx/xx/xxxx in the amount of $xxx.xx. | Review of the payment history provided from xx/xx/xxxx to xx/xx/xxxx reveals that borrower has been the delinquent for more than xxx days. The last payment was received in the amount of $x,xxx.xx on xx/xx/xxxx which was applied for the due date of xx/xx/xxxx. The next due date is xx/xx/xxxx. The UPB as of the date has not been mentioned in the updated payment history. Hence, we have considered the UPB per tape data in the amount of $xxx,xxx.xx and current interest rate as per payment history is x.xxx%. Borrower is currently making the payment according to the note terms. | Collections Comments:The subject loan is in active foreclosure. Review of the collection comments shows that the borrower has been the delinquent for more than xxx days. The last payment was received in the amount of $x,xxx.xx on xx/xx/xxxx which was applied for the due date of xx/xx/xxxx. The next due date is xx/xx/xxxx. The UPB as of the date has not been mentioned in the updated payment history. Hence, we have considered the UPB per tape data in the amount of $xxx,xxx.xx and current interest rate as per payment history is x.xxx%. Borrower is currently making the payment according to the note terms.<br> Loan modification agreement was made between xx and (Lender) xx, on xx/xx/xxxx. The new modified rate is x.xxx% and borrower promises to pay P&I in the amount of $xxx.xx beginning on xxx/xx/xxxx. The new principal balance is $xxx,xxx.xx. The interest bearing amount is $xxx,xxx.xx and the maturity date is xx/xx/xxxx. Reason for Modification is Financial Hardship.<br> Review of the latest xx months collection comment shows that the foreclosure was initiated and referred to attorney on xx/xx/xxxx and complaint was filed on xx/xx/xxxx. Comment dated xx/xx/xxxx shows that the sale date was scheduled for xx/xx/xxxx which was postponed due to missing BID, MRD is pending and sale postponed from xx/xx/xxxx to xx/xx/xxxx which is future sale date. There is no further information available in the collection comments to know the current status of future sale. <br> As per collection comment dated xx/xx/xxxx subject property is occupied by the subject owner and in average condition however no need to repair. <br> Foreclosure Comments:Review of the latest xx months collection comment shows that the foreclosure was initiated and referred to attorney on xx/xx/xxxx and complaint was filed on xx/xx/xxxx. Comment dated xx/xx/xxxx shows that the sale date was scheduled for xx/xx/xxxx which was postponed due to missing BID, MRD is pending and sale postponed from xx/xx/xxxx to xx/xx/xxxx which is future sale date. There is no further information available in the collection comments to know the current status of future sale. <br> Bankruptcy Comments:Not Applicable | Loan modification agreement was made between xx and (Lender) xx, on xx/xx/xxxx. The new modified rate is x.xxx% and borrower promises to pay P&I in the amount of $xxx.xx beginning on xx/xx/xxxx. The new principal balance is $xxx,xxx.xx. The interest bearing amount is $xxx,xxx.xx and the maturity date is xx/xx/xxxx. Reason for Modification is Financial Hardship. | Origination Appraisal | xx | 2: Acceptable with Warnings |  |  | \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file."<br> \* TIL not hand dated (Lvl 2) "TIL not hand dated by the borrower." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 74933444 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ??.??% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 50.000% | 50.000% | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx.<br> The chain of the assignment is not completed. The last chain of assignment is from xx.<br> There are no active judgments or liens found.<br> The xxxx annual taxes are paid off in the amount of $ x,xxx.xx.<br> No delinquent taxes heve been found.<br>| According to the payment history as of xx/xx/xxxx, the borrower is making regular payments and the next due is on xx/xx/xxxx. The last payment was received date is xx/xx/xxxx in the amount of $xxx.xx which was applied for the due date was xx/xx/xxxx. The payment history reflects current unpaid principal balance is in the amount of $xx,xxx.xx. The borrower is making the payment as per ARM note at the interest rate of x.xx% and P&I $xxx.xx. | Collections Comments:Available servicing comment shows that the subject property is occupied by owner. No damages have been observed. The latest BPO report is not available to verify the current condition of subject property.<br>According to the payment history as of xx/xx/xxxx, the borrower is making regular payments and the next due is on xx/xx/xxxx. The last payment was received date is xx/xx/xxxx in the amount of $xxx.xx which was applied for the due date was xx/xx/xxxx. The payment history reflects current unpaid principal balance is in the amount of $xx,xxx.xx. The borrower is making the payment as per ARM note at the interest rate of x.xx% and P&I $xxx.xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Credit Report<br> Document Showing a Index Numerical Value<br> Final Truth in Lending Discl.<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Right of Rescission | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final application is missing from loan file. However, values from the initial application doc loc xx."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "CE risk indicator is moderate due to, TILA APR test."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "CE TILA test failed duet to, This loan failed the TILA APR test. <br> The annual percentage rate (APR) is 6.402%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial Escrow Account Disclosure is missing from loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is required for ARM loan; however document is missing from loan file."<br> \* Missing credit report (Lvl 2) "Credit report is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "List of service of provider is missing from loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in FL State; however, required state disclosure is missing from loan file.<br> Anti-Coercion Notice<br> Insurance Sales Disclosure"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of Servicing Disclosure is missing from loan file."<br> \* Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) "Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Disclosure is missing from loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan file." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 1159622 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ??.??% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | 53.304% | 53.304% | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | 2 Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx.<br> The chain of the assignment has been completed. The last assignment is from xx.<br> There is junior mortgage in the favor of xx. For the amount of $xxx,xxx.xx which was recorded on xx/xx/xxxx.<br> There is one civil judgment in the favor of xx for the amount of $xx,xxx.xx which was recorded on xx/xx/xxxx.<br> There are x Code enforcement liens total in the amount of $xxxxxx.xx but the documents available with the updated title report does not reflects the subject property address.<br> The xxxx annual taxes are paid in the amount of $x,xxx.xx.<br> No delinquent taxes are found.<br>| Review of updated payment history shows that the loan performing and borrower is making his monthly payments. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx with interest rate of xx.xx% for the due date of xx/xx/xxxx. The next due date is xx/xx/xxxx. The latest payment history reflects the UPB in the amount of $xxx,xxx.xx. The borrower has been making the payments as per the ARM note terms. | Collections Comments:According to the servicing comments the loan performing and borrower is making his monthly payments. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx with interest rate of xx.xx% for the due date of xx/xx/xxxx. The next due date is xx/xx/xxxx. The latest payment history reflects the UPB in the amount of $xxx,xxx.xx. The borrower has been making the payments as per the ARM note terms. <br> No Bankruptcy details are found.<br> No Foreclosure details are found.<br> As per servicing comments the reason for default is unable to determine.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Loan Program Info Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 is missing from loan file and also the estimated HUD-1 or Itemization are not available." | \* Application Missing (Lvl 2) "Final Application is missing from the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan Program Disclosure is missing from loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Service Providers is missing from loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The Subject property is located at Florida State and following required DIsclosures are missing from loan file.<br> Anti-Coercion Notice<br> Insurance Sales Disclosure"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice Of Servicing TransferDisclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2) "Unable to confirm operative index value from available loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Disclosure is missing from loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 28573117 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | ????.?? | ????.?? | ??.??% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 55.556% | 55.556% | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 42.558% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> The Chain of Assignment has not been completed. Latest assignment as per updated title report is from xx.<br> There is a civil judgment against the borrower xx in the amount of $x,xxx.xxin the favor of xx which was recorded on xx/xx/xxxx. <br> The Estimated County Annual taxes for the current year xxxx was due in the amount of $x,xxx.xx.<br> No Prior Year Delinquent Taxes Have Been Found. | According to the payment history as of dated xx/xx/xxxx. The borrower is current, The borrower is making the payment regular and next payment due date are for xx/xx/xxxx. The last payment was received on xx/xx/xxxx which was applied to the due date of xx/xx/xxxx.The P&I is $x,xxx.xx with interest rate x.xxx % and the PITI is $x,xxx.xx.As per payment history, the UPB is reflecting is in the amount of $ xxx,xxx.xx. | Collections Comments:The current status of the loan is performing, the borrower is current.<br> According to the payment history as of dated xx/xx/xxxx. The borrower is current .The borrower is making the payment regular and next payment due date are for xx/xx/xxxx. The last payment was received on xx/xx/xxxx which was applied to the due date of xx/xx/xxxx.The P&I is $x,xxx.xx with interest rate x.xxx % and the PITI is $x,xxx.xx.As per payment history, the UPB is reflecting is in the amount of $ xxx,xxx.xx.<br> No comments regarding the bankruptcy and foreclosure has been found. <br> As per Servicing comment Unable to determine the reason for default and the intention of the borrower is to keep the property.<br> As we have collection comment latest xx months unable to determine the property occupancy. No further information is available to determine the current property condition and property type.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Right of Rescission | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) ""This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.""<br> \* GSE Points and Fees Test Violations (Lvl 2) "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.<br> As Loan Data $8,640.00 Comparison Data $7,500.00 Variance +$1,140.00 and Loan Data $8,865.00 Comparison Data $7,500.00 Variance +$1,365.00"<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial Escrow Disclosure is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure document is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Service providers document is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in Florida, However, the following state disclosures are missing from the loan file.<br> 1.Anti-Coercion Notice <br> 2.Title Insurance Disclosure<br> 3.Radon Gas Disclosure<br> 4.Insurance Sales Disclosure"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing Transfer document is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2) "Unable to determine the Operative Index value. As per the supportive Documents is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business form document is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan file." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 83640593 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Nebraska | xx | xx | xx | Nebraska | xx | xx | No | Yes | Not Applicable | First |  | ????.?? | ????.?? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 100.000% | 100.000% | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the pro-title report dated xx/xx/xxxx reflects that the subject mortgage was originated on xx.<br> The chain of the assignment has been completed. <br> There is junior mortgage originated on xx/xx/xxxx in the favor of xx recorded on xx/xx/xxxx in the amount of $ xx,xxx.xx.<br> No active judgments or liens have been found.<br> The xxxx annual county taxes have been paid in the amount of $x,xxx.xx.<br> The annual county taxes of xxxx are delinquent in the amount of $x,xxx.xx which were due for xx/xx/xxxx.<br> The annual county taxes of xxxx are delinquent in the amount of $x,xxx.xx which were due for xx/xx/xxxx.<br>| The review of the payment history as of xx/xx/xxxx shows that the borrower has been delinquent for xx months and the next due date for payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount $xxx.xx which was applied to xx/xx/xxxx. The UPB reflected is in the amount of $xx,xxx.xx. The borrower has been making payment as per the Note. | Collections Comments:The review of the collection comment shows that the loan is in the active bankruptcy and the next due date for the payment is xx/xx/xxxx. According to the PACER, the borrower "xx" had filed the bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. The POC was filed on xx/xx/xxxx with the secured claim amount of $xx,xxx.xx and an amount of arrearage is $x,xxx.xx. According to the order confirming chapter xx plan, the debtor shall pay to the trustee the sum of $xxx for xx months in the total amount of $xxx,xx. The date of the last filing bankruptcy was xx/xx/xxxx. The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx. The sale was scheduled on xx/xx/xxxx. However, the foreclosure was put on hold due to the borrower "xx" had filed the bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx. The review of the payment history as of xx/xx/xxxx shows that the borrower has been delinquent for xx months and the next due date for payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount $xxx.xx which was applied to xx/xx/xxxx. The UPB reflected is in the amount of $xx,xxx.xx. The borrower has been making payment as per the Note. The comment dated xx/xx/xxxx states that the reason for default was a curtailment of income. No damage and repairs have been found. The loan has not been modified since origination. The comment dated xx/xx/xxxx reflects that the subject property is owner-occupied.<br>Foreclosure Comments:The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx. The sale was scheduled on xx/xx/xxxx. However, the foreclosure was put on hold due to the borrower "xx" had filed the bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx.<br> Bankruptcy Comments:According to the PACER, the borrower "xx" had filed the bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. The POC was filed on xx/xx/xxxx with the secured claim amount of $xx,xxx.xx and an amount of arrearage is $x,xxx.xx. According to the order confirming chapter xx plan, the debtor shall pay to the trustee the sum of $xxx for xx months in the total amount of $xxx,xx. The date of the last filing bankruptcy was xx/xx/xxxx. | Not Applicable | Credit Application<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Origination Appraisal | xx | 3: Curable |  | \* Not all borrowers signed HUD (Lvl 3) "The final HUD-1 is not signed by the borrower." | \* Application Missing (Lvl 2) "The final application is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "The Initial escrow acct disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "An appraisal report is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "The list of Service Providers Disclosures is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in the state of Nebraska. The 'Construction Finance Notice' state disclosure is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 75589699 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 361 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 69.814% | 69.814% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Investor | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 87.060% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> Chain of assignment has been completed. Currently, the mortgage is with xx which was recorded on xx/xx/xxxx.<br> There is a junior mortgage in the amount $xx,xxx.xx which was recorded in xx/xx/xxxx in the favor of xx.<br> There is a code enforcement lien which was recorded on xx/xx/xxxx in the favor of xx.<br> The xxxx-xx xnd installment taxes have been due. No prior year delinquent taxes have been found. | As per the review of the payment history, the borrower has been delinquent for xx months and the next payment is due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for xx/xx/xxxx. The UPB is $xxx,xxx.xx. The current P&I is $xxx.xx and PITI is $xxx.xx. The borrower has been making his payments as per the note terms. | Collections Comments:The loan is currently in active bankruptcy and the next payment is due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied for xx/xx/xxxx. As per the review of the PACER report, the Borrower xx had filed bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. No evidence of post-closing foreclosure has been found. The RFD is unable to determine. The loan was never modified since origination, the borrower has been making his payments as per the note terms. <br> As per the comment dated xx/xx/xxxx, the property is the nonowner occupied. No repairs and damages have been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:<br> As per the review of the PACER report, the Borrower xx had filed bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. The POC was filed by xx. on x/xx/xx, in the secured claim amount $xxx,xxx.xx and an arrearage in the amount of $xx,xxx.xx. The MRF was filed on xx/xx/xxxx. As per the order confirming the plan, the debtor shall pay the trustee $xxxx.xx monthly for x-xx months and $xxxx.xx for xx-xx months | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow acct disclosure is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service providers disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The following disclosures are missing from the loan file, <br>1.Affidavit of Consideration<br> 2.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 92560399 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Connecticut | xx | xx | xx | Connecticut | xx | xx | No | Yes | Not Applicable | Second |  | ? | ???? | ??/??/???? | xx | Yes | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 54.054% | 54.054% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 9.348% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx.<br> The chain of assignment has been completed as currently the assignment is with xx.<br> \* One junior mortgage found pending recorded on xx/xx/xxxx in the amount of $xxx,xxx.xx which is in the favor of xx.<br> Active Judgments and Liens;<br> x) One IRS lien found pending against the borrower recorded on xx/xx/xxxx in the amount of $xx,xxx.xx which is in the favor of xx.<br> x) One state tax lien found pending against the borrower xx recorded on xx/xx/xxxx in the amount of $xx,xxx.xx which is in the favor of xx.<br> x) One civil judgment found pending against the borrower xx recorded on xx/xx/xxxx in the amount of $x,xxx.xx which is in the favor of xx, NA.<br> x) There is one water/sewer lien against the subject property recorded on xx/xx/xxxx in the amount of $xxx.xx which is in the favor of xx.<br> Property Tax Status;<br> x) xxxx Utilities annual taxes are delinquent for the amount of $xxx.xx for the due date of xx/xx/xxxx.<br> x) xxxx Utilities annual taxes are delinquent for the amount of $xxx.xx for the due date of xx/xx/xxxx.<br> x) xxxx Town xrd installment taxes are due for the amount of $x,xxx.xx till xx/xx/xxxx.<br> x) xxxx Town xth installment taxes are due for the amount of $x,xxx.xx till xx/xx/xxxx.<br> x) xxxx Town xst installment taxes have been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> x) xxxx Town xnd installment taxes have been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year delinquent taxes had been found pending. | Review of payment history as of dated xx/xx/xxxx shows that borrower is not making regular payments. The loan payments are currently xx months delinquent. The next due as per tape data is xx/xx/xxxx. The last payment received date as per tape data is xx/xx/xxxx. The payment was made in the total amount of $x,xxx.xx for the due date of xx/xx/xxxx. The unpaid principal balance as per payment history is in the amount of $xxx,xxx.xx. The current interest rate is x.xxx% with P&I in the amount of x,xxx.xx. <br> The borrower has been making payments as per original note terms. | Collections Comments:Collection comments available from xx/xx/xxxx till xx/xx/xxxx shows that borrower is not making regular payments. The loan payments are currently xx months delinquent. The next due as per tape data is xx/xx/xxxx. The last payment received date as per tape data is xx/xx/xxxx. The payment was made in the total amount of $x,xxx.xx for the due date of xx/xx/xxxx. The unpaid principal balance as per payment history is in the amount of $xxx,xxx.xx. The current interest rate is x.xxx% with P&I in the amount of x,xxx.xx. <br> The borrower has been making payments as per original note terms.<br> The loan has never been modified since origination.<br> Collection comment dated xx/xx/xxxx shows that foreclosure was referred to attorney on xx/xx/xxxx. Available notice of lis pendence with case#xx shows that the foreclosure was initiated in the loan by filing complaint on xx/xx/xxxx. No sale date or any other information regarding foreclosure is available in the collection comments as collection comments are available only till xx/xx/xxxx.<br> The borrower has not yet filed bankruptcy.<br> The current status of loan is under foreclosure.<br> Collection comment dated xx/xx/xxxx shows that subject property is owner occupant with no visible damages or repairs.<br> Foreclosure Comments:Collection comment dated xx/xx/xxxx shows that foreclosure was referred to attorney on xx/xx/xxxx. Available notice of lis pendence with case#xx shows that the foreclosure was initiated in the loan by filing complaint on xx/xx/xxxx. No sale date or any other information regarding foreclosure is available in the collection comments as collection comments are available only till xx/xx/xxxx.<br> The borrower has not yet filed bankruptcy.<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Application | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final application is not signed by the borrower."<br> \* Application Not Signed by All Borrowers (Lvl 2) "Final application is not signed by the borrower."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "This loan failed the Connecticut license validation test.<br> First mortgage lender licenses and secondary mortgage lender licenses in existence on xx, 2008 shall be deemed on and<br> after xx, 2008, to be a mortgage lender license.<br> As of July 1, 2008 the Connecticut First Mortgage Lender License and the Connecticut Second Mortgage Lender License are no<br> longer valid. The Connecticut Mortgage Lender License is available for loans with a closing date before xx, 2008."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "ComplianceEase risk indicator is moderate as the loan is failing for Connecticut license validation test."<br> \* Operative index value is unable to confirm (Lvl 2) "Unable to calculate operative index value from the loan file."<br> \* Settlement date is different from note date (Lvl 2) "Settlement date is different from note date, settlement date shows xx/xx/2004 and note date is xx/xx/2004." |  | Moderate | Pass | Pass | No Result | Pass | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 21633272 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | Yes | Yes | Not Applicable | Second |  | ? | ????.?? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ??.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 65.000% | 65.000% | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x.x% | xxx.x | xx/xx/xxxx | Financial Hardship | The review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. <br> The chain of the assignment has been completed. The latest assignment is with xx.<br> There is one senior mortgage on the subject property in the amount of $xxx,xxx.xx in favor of xx which was recorded on xx/xx/xxxx. An abstracted search of updated title report dated xx/xx/xxxx shows; there is no release or satisfaction available for this senior mortgage. However, the Final Hud-x shows pay off for Chase in the amount of $xxx,xxx.xx. Final Title Policy at the origination does not reflect any exception for a senior mortgage. It shows a clear title. Possible title claim can be filed. <br> No active judgments or liens have been found. <br> The annual installment combined tax of the year xxxx is due in the amount of $x,xxx.xx on xx/xx/xxxx.<br> The annual installment combined tax of the year xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is currently delinquent for xx months. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $xxx.xx and PITI is in the amount of $x,xxx.xx. The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx.  | Collections Comments:As per the review of the servicing comments, currently, the loan is in an active bankruptcy and the borrower is currently delinquent for xx months. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $xxx.xx and PITI is in the amount of $x,xxx.xx. The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx.<br> As per the comment dated xx/xx/xxxx, the reason for default is a loss of a job.<br> The borrower has been making the payments as per the modification. The loan modification agreement was made between xx (Borrower) and xx(Lender) on xx/xx/xxxx. The borrower promises to pay the new UPB in the amount of $xxx,xxx.xx with an annual fixed modified interest rate of x.xxx% and new P&I is in the amount of $xxx.xx beginning from xx/xx/xxxx till the maturity date xx/xx/xxxx. The deferred balance in the amount of $xx,xxx.xx. There is no provision for the balloon payment.<br> The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. However, the foreclosure was put on hold as the borrower xx had filed bankruptcy under chapter-xx with the case#xx on xx/xx/xxxx.<br> The borrower xx had filed bankruptcy under chapter-xx with the case#xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. The date of the last filing is xx/xx/xxxx. The POC was filed on xx/xx/xxxx, in the secured claim amount $xxx,xxx.xx and an arrearage in the amount of $xx,xxx.xx. As per chapter xx plan, the debtor shall pay to the trustee the sum of $x,xxx.xx per month for a period of xx months. The motion for relief from the stay was filed on xx/xx/xxxx.<br> As per the latest BPO dated xx/xx/xxxx, the subject property has been occupied by the owner. Recent servicing comments do not reflect any damage pertaining to the subject property.<br> Foreclosure Comments:The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. However, the foreclosure was put on hold as the borrower Patricia Padilla had filed bankruptcy under chapter-xx with the case#xx on xx/xx/xxxx.<br> Bankruptcy Comments:The borrower xx had filed bankruptcy under chapter-xx with the case#xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. The date of the last filing is xx/xx/xxxx. The POC was filed on xx/xx/xxxx, in the secured claim amount $xxx,xxx.xx and an arrearage in the amount of $xx,xxx.xx. As per chapter xx plan, the debtor shall pay to the trustee the sum of $x,xxx.xx per month for a period of xx months. The motion for relief from the stay was filed on xx/xx/xxxx. | The loan modification agreement was made between xx (Borrower) and xx. (Lender) on xx/xx/xxxx. The borrower promises to pay the new UPB in the amount of $xxx,xxx.xx with an annual fixed modified interest rate of x.xxx% and new P&I is in the amount of $xxx.xx beginning from xx/xx/xxxx till the maturity date xx/xx/xxxx. The deferred balance in the amount of $xx,xxx.xx. There is no provision for the balloon payment. | Affiliated Business Disclosure<br> Credit Application | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final Application is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service provider is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing from the loan file."<br> \* Settlement date is different from note date (Lvl 2) "As per HUD, Settlement date shows xx/xx/2008 and note date is xx/xx/2008. Hence, settlement date is not aligned with the note date." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 2913512 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ??.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 45.098% | 45.098% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | Not Applicable | Not Applicable | 30.400% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.x | xxxxx.xx | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the mortgage was originated on xx.<br> The chain of the assignment is complete. Currently, the assignment is from xx.<br> There is one junior State tax liens against the borrower xx for the amount of $x,xxx.xx which was recorded on xx/xx/xxxx.<br> There are two senior state tax liens against the borrower xx in the favor of xx for the amount of $xx,xxx.xx and $x,xxx.xx which was recorded on xx/xx/xxxx and xx/xx/xxxx.<br> There is one junior child support Lien against the borrower xxin the favor of xx for the amount of $x,xxx.xx which was recorded on xx/xx/xxxx.<br> There is one junior civil judgment against the borrower in the favor of xx which was recorded on xx/xx/xxxx, in the amount of $x,xxx.xx,<br> There is one junior Credit Card Judgment (or Consumer Debt) was recorded on xx/xx/xxxx, in the amount of $xxxx.xx, in the favor of xx.<br> The xxxx xrd and xth combined installment taxes are paid for the amount of $xxx.xx and $xxx.xx.<br> The xxxx xst and xnd combined installment taxes are due for the amount of $xxx.xx and $xxx.xx.<br> No, any prior delinquent taxes are found. | According to the payment history as of xx/xx/xxxx, the borrower is delinquent from more than xx months and next due for xx/xx/xxxx.The last payment was received on xx/xx/xxxx in the amount of $xxx.xx with an interest rate of x.xxx%, which was applied for xx/xx/xxxx. The new UPB reflected is in the amount of $xx,xxx.xx. However, the borrower is making payment as per the modification agreement which was made on xx/xx/xxxx.<br>| Collections Comments:The loan is currently active in the bankruptcy and next due for xx/xx/xxxx.The last payment was received on xx/xx/xxxx in the amount of $xxx.xx with an interest rate of x.xxx%, which was applied for xx/xx/xxxx. The new UPB reflected is in the amount of $xx,xxx.xx. However, the borrower is making payment as per the modification agreement which was made on xx/xx/xxxx.<br> The reason for default is unable to determine.<br> The loan was modified once since origination. The borrower is currently making payment as per the unexecuted modification located at xx" which was made on xx/xx/xxxx between the borrower xx and lender xx. As per the modified terms, new principal balance is $xxx,xxx.xx. The interest bearing amount is $xx,xxx.xx. The deferred balance is $xx,xxx.xx. the borrower is promise to pay for trustee in the amount of $xxx.xx with an interest rate of x.xx% beginning on xx/xx/xxxx till maturity date xx/xx/xxxx.<br> As per the review of servicing comments, the foreclosure was initiated and file was referred to attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx with the case#xx.The Judgment was entered on xx/xx/xxxx. However, the foreclosure was put on hold due the borrower xx had filed bankruptcy under Chapter xx with case #xx on xx/xx/xxxx.<br> The borrower xx had filed bankruptcy under Chapter xx with case # xx on xx/xx/xxxx and plan was confirmed on xx/xx/xxxx. The Debtor shall pay xxx.xx monthly to the trustee for xx months.<br> The lender had filed POC on xx/xx/xxxx with the total secured amount of $xxx,xxx.xx and amount of arrearage is $xx,xxx.xx. The borrower had filed motion for relief on xx/xx/xxxx.<br> Schedule D of voluntary petition dated xx/xx/xxxx shows amount of secured claim without deducting the value of collateral is $xxx,xxx.xx and value of collateral is $xxx,xxx.xx. However the unsecured portion is $xx,xxx.xx.<br> Collection comments does not show any cram down.<br> As per the inspection report dated xx/xx/xxxx. The subject property is owner occupied with average condition. No damage and repairs are found.<br>Foreclosure Comments:As per the review of servicing comments, the foreclosure was initiated and file was referred to attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx with the case# xx.The Judgment was entered on xx/xx/xxxx. However, the foreclosure was put on hold due the borrower xx had filed bankruptcy under Chapter xx with case # xx on xx/xx/xxxx.<br> Bankruptcy Comments:The borrower xx had filed bankruptcy under Chapter xx with case # xx on xx/xx/xxxx and plan was confirmed on xx/xx/xxxx. The Debtor shall pay xxx.xx monthly to the trustee for xx months.<br> The lender had filed POC on xx/xx/xxxx with the total secured amount of $xxx,xxx.xx and amount of arrearage is $xx,xxx.xx. The borrower had filed motion for relief on xx/xx/xxxx.<br> Schedule D of voluntary petition dated xx/xx/xxxx shows amount of secured claim without deducting the value of collateral is $xxx,xxx.xx and value of collateral is $xxx,xxx.xx. However the unsecured portion is $xx,xxx.xx.<br> Collection comments does not show any cram down. | The loan was modified once since origination. The borrower is currently making payment as per the unexecuted modification located at "xx" which was made on xx/xx/xxxx between the borrower xx and lender xx. As per the modified terms, new principal balance is $xxx,xxx.xx. The interest bearing amount is $xx,xxx.xx. The deferred balance is $xx,xxx.xx. the borrower is promise to pay for trustee in the amount of $xxx.xx with an interest rate of x.xx% beginning on xx/xx/xxxx till maturity date xx/xx/xxxx. | Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Right of Rescission | xx | 2: Acceptable with Warnings |  |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in New Jersey State. The following required state disclosures are missing from the loan file.<br> 1.NJ Application Disclosure<br> 2.Delivery Fee Authorization<br> 3.NJ Attorney Disclosure<br> 4.Unacceptability of Insurance Notice<br> 5.Attorney Disclosure II<br> 6.Tax Bill Information<br> 7.Private Well Testing<br> 8.Lock-In Agreement<br> 9.Commitment Disclosures<br> 10.Choice of Insurer Disclosure<br> 11.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application"<br> \* Right of Rescission missing or unexecuted (Lvl 2) "The ROR is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $10500.00 | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 69498514 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | Yes | Yes | Not Applicable | Other |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 79.839% | 79.839% | Full Documentation | No |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | Not Applicable | Not Applicable | 33.925% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxxx.xx | x.xx% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx. <br> There is a Water/Sewer/Utilities lien against subject property in the amount of $xxx.xx held by xx which was recorded on xx/xx/xxxx and the Instrument # is xxxxxxxxxx. The supporting document is attached with title report.<br> There is a Water/Sewer/Utilities Lien against the subject property in the amount of $xxx.xx held by Village of xx which has been recorded on xx/xx/xxxx and the Instrument # is xx. The supporting document is attached with title report.<br> xst installment county tax of xxxx is due on xx/xx/xxxx in the amount of $x,xxx.xx.<br> Annual County tax of xxxx in the amount of $xxx.xx was paid and date is not available on title report. | Review of the payment history provided from xx/xx/xxxx to xx/xx/xxxx reveals that borrower has been the delinquent for more than xxx days. The last payment was received in the amount of $x,xxx.xx on xx/xx/xxxx which was applied for the due date of xx/xx/xxxx. The next due date is xx/xx/xxxx. Current UPB as of date reflects in the provided payment history is in the amount of $xxx,xxx.xx and current interest rate as per payment history is x.xxx%. Borrower is currently making the payment according to the mod terms. | Collections Comments:The subject loan is in collection. Review of the collection comments shows that the loan is in delinquency for x months. The next due date for the payment is xx/xx/xxxx. The borrower is not making regular payments as per loan modification. The last payment of xx/xx/xxxx was received on xx/xx/xxxx in the amount of $xxx.xx. According to the payment history the current unpaid principal balance is being reflected in the amount of $xxx,xxx.xx. <br> Loan modification agreement was made between the borrower and Lender on xx/xx/xxxx. The new modified rate is x.xxx % and borrower promises to pay P&I in the amount of $xxx.xx which began on xx/xx/xxxx The new principal balance is $xxx,xxx.xx.Lender has agreed to defer the amount of $xxx,xxx.xx from the unpaid principal balance. The interest bearing amount is $xxx,xxx.xx and the maturity date is xx/xx/xxxx. Reason for Modification is Financial Hardship.<br> There no information about foreclosure in the servicing comments. <br> The Debtor xx has filed bankruptcy under chapter xx plain with case # xx on xx/xx/xxxx. The plain was confirmed on xx/xx/xxxx. The POC was filed on xx/xx/xxxx with secure claim amount of $xxx,xxx.xx and arrearage amount was $xx,xxx.xx. The Post- petition due date was xx/xx/xxxx. The bankruptcy case was terminated on xx/xx/xxxx.<br> The servicing comments and latest BPO report dated xx/xx/xxxx state that the subject property is owner occupied with no visible damages or repairs. It is in average condition.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The Debtor xx has filed bankruptcy under chapter xx plain with case # xx on xx/xx/xxxx. The plain was confirmed on xx/xx/xxxx. The POC was filed on xx/xx/xxxx with secure claim amount of $xxx,xxx.xx and arrearage amount was $xx,xxx.xx. The Post- petition due date was xx/xx/xxxx. The bankruptcy case was terminated on xx/xx/xxxx. | Loan modification agreement was made between the borrower and Lender on xx/xx/xxxx. The new modified rate is x.xxx % and borrower promises to pay P&I in the amount of $xxx.xx which began on xx/xx/xxxx The new principal balance is $xxx,xxx.xx.Lender has agreed to defer the amount of $xxx,xxx.xx from the unpaid principal balance. The interest bearing amount is $xxx,xxx.xx and the maturity date is xx/xx/xxxx. Reason for Modification is Financial Hardship | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "The ComplianceEase Risk indicator is 'Moderate' due to TILA finance charge test failed."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "ComplianceTILA Test Failed due to TILA Finance Charge Test:<br> TILA Finance Charge Test: shows Loan Data $237,857.28 Comparison Data $238,858.28 Variance -$1,001.00.<br> The finance charge is $238,858.28. The disclosed finance charge of $237,857.28 is not considered accurate because it is<br> understated by more than $100."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "The initial Escrow Acct disclosure is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service provider is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "Following are the state disclosure which are missing from the loan file;<br> 1.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application<br> 2.IL Collateral Protection Insurance Notice"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing Transfer document is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business form is missing from the loan file." |  | Moderate | Not Covered | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 3496094 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Kentucky | xx | xx | xx | Kentucky | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | ???.?? | ???.?? | ?.???% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 90.000% | 90.000% | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> The chain of the assignment has been completed. Currently, the mortgage is with xx which was recorded on xx/xx/xxxx.<br> There are five IRS liens against the borrower in the favor of xx for the total amount of $ xxxxxx.xx which were recorded on different dates.<br> The xxxx annual taxes have been paid in the amount of $ x,xxx.xx.<br> No prior year delinquent taxes have been found. | As per the review of the payment history, the borrower has been current with the loan and the next payment is due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount $xxx.xx which was applied for xx/xx/xxxx. The UPB is $xxx,xxx.xx. The current P&I is $xxx.xx and PITI is $xxx.xx. The borrower has been making his payments as per Note ARM terms. | Collections Comments:The loan is currently in the collection and the next payment is due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount $xxx.xx which was applied for xx/xx/xxxx. No records for bankruptcy and post-closing foreclosure has been found. The reason for default is an excessive obligation. The loan was never modified since origination, the borrower has been making his payments as per the note ARM terms. As per the comment dated xx/xx/xxxx, the property is owner-occupied. As per the comment dated xx/xx/xxxx, the property had some repairs. The estimated cost of repairs is not mentioned. No further details have been found. No BPO report is found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final application is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Service Providers is missing from loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located at Kentucky, following disclosures are missing from loan file.<br>1.Fair Housing Notice<br> 2.Homeownership Protection Center Disclosures<br> 3.Notice of Free Choice of Agent or Insurer"<br> \* Operative index value is unable to confirm (Lvl 2) "Unable to determine an operative index value since the supportive documents are missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing from the loan file." |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 72495414 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | Yes | Yes | Not Applicable | Other |  | ? | ????.?? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 80.000% | 80.000% | Full Documentation | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 569 | Not Applicable | 65.528% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxxx.xx | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx.<br> The chain of assignment is completed as the subject mortgage is with 'xx' which was recorded xx/xx/xxxx. <br>Review of the updated title shows there are judgments against subject property which are as follow. <br> x: There is civil judgment against the borrower in the amount of $x,xxx.xx recorded on xx/xx/xxxx favor of xx.<br> x: There is civil judgment against the borrower in the amount of $x,xxx.xx recorded on xx/xx/xxxx favor of 'xx'. <br> x. There is civil judgment against the borrower in the amount of $x,xxx.x recorded on xx/xx/xxxx favor of 'xx'. <br> x. There are two code enforcement/ unsafe living condition liens open against the subject property in the favor of "xx" and "xx" in total amount of $xx,xxx.xx which was recorded on xx/xx/xxxx, xx/xx/xxxx respectively. <br>The county annual taxes have been paid off in amount of $x,xxx.xx.  | <br> The Payment History dated xx/xx/xxxx reveals that the borrower has been the delinquent from xx/xx/xxxx to till date. The delinquency has been done for more than x month. The last payment was received in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The payment history reflects current unpaid principal balance is in the amount of $xxx,xxx.xx.<br> The loan was modified on xx/xx/xxxx. The borrower is making the payment as per modification with the interest rate of x.xx% and P&I of $xxx.xx.  | Collections Comments:<br> As per collection comment the subject property is occupied by the owner. Borrower intention is retained property and property is not for sale. <br> Collections comments dated xx/xx/xxxx shows that subject property had damages due to hurricane. The roof and fence of the subject property have been damaged. Collection comment shows borrower filed insurance claim # xx. Comment dated xx/xx/xxxx reflects the loss in the amount of $xx,xxx.xx.<br> Comment dated xx/xx/xxxx states that borrower received two checks on xx/xx/xxxx xst with check #xx in amount $xxxx.xx and the xnd with check #xx in amount $xxxx.xx. <br> Comment dated on xx/xx/xxxx shows that borrower received two checks for repairs being done to his roof and fence. No details have been found regarding repairs. Unable to verify whether repairs have been completed or not.<br>The Payment History dated xx/xx/xxxx reveals that the borrower has been the delinquent from xx/xx/xxxx to till date. The delinquency has been done for more than x month. The last payment was received in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The payment history reflects current unpaid principal balance is in the amount of $xxx,xxx.xx.<br> The loan was modified on xx/xx/xxxx. The borrower is making the payment as per modification with the interest rate of x.xx% and P&I of $xxx.xx. <br>The loan modification agreement was made between "xx" and lender 'xx,' (Lender) effective date is xx/xx/xxxx. The first modified payment is still due for the date of xx/xx/xxxx and the new maturity date will be xx/xx/xxxx. The new modified unpaid principal balance is $xxx,xxx.xx and interest bearing amount is $xxx,xxx.xx. The Borrower is making the payment as per the modification terms that are x.xx% and modified P&I $xxx.xx. <br>The Loan was modified into x steps.<br> x) Period: xx, Rate: x.xx%, P&I: $xxx.xx, Date: xx/xx/xxxx<br> x) Period: xx, Rate: x.xx%, P&I: $xxx.xx, Date: xx/xx/xxxx<br> x) Period: xxx, Rate: x.xx%, P&I: $xxx.xx, Date: xx/xx/xxxx<br>Review of collection comment stated that the foreclosure was initiated in xxxx; the FC file was referred to an attorney on xx/xx/xxxx. However, foreclosure was not proceed out due to it was placed on hold. However, BK case was filed on xx/xx/xxxx due to this foreclosure action was not proceed to further step. No further information is available about foreclosure.<br>Borrower "xx" filed Bankruptcy under the chapter xx case#xx date xx/xx/xxxx. Schedule D of voluntary petition dated xx/xx/xxxx shows that the amount of secured claim without deducting the value of collateral $xxx,xxx.xx and the value of collateral that supports this claim is $xxx,xxx.xx therefore; the unsecured portion is $xxx,xxx.xx. <br> Creditor was filed the POC on xx/xx/xxxx secured claim amount $xxx,xxx.xx, unsecured amount is $x.xx and arrearage is $x,xxx.xx.<br> Chapter plan xx was filed xx/xx/xxxx, amended xx chapter plan was entered on xx/xx/xxxx; debtors shall pay the payment as $xxx.xx per month forx months and $xxx.xx per month for xx months. This plan was confirmed yet confirmed on xx/xx/xxxx. BK case was discharged on xx/xx/xxxx and got terminated on xx/xx/xxxx. No further information is available about the bankruptcy.<br>Foreclosure Comments:<br> Review of collection comment stated that the foreclosure was initiated in xxxx; the FC file was referred to an attorney on xx/xx/xxxx. However, foreclosure was not proceed out due to it was placed on hold. However, BK case was filed on xx/xx/xxxx due to this foreclosure action was not proceed to further step. No further information is available about foreclosure.<br>Bankruptcy Comments:Borrower "xx" filed Bankruptcy under the chapter xx case#xx date xx/xx/xxxx. Schedule D of voluntary petition dated xx/xx/xxxx shows that the amount of secured claim without deducting the value of collateral $xxx,xxx.xx and the value of collateral that supports this claim is $xxx,xxx.xx therefore; the unsecured portion is $xxx,xxx.xx. <br> Creditor was filed the POC on xx/xx/xxxx secured claim amount $xxx,xxx.xx, unsecured amount is $x.xx and arrearage is $x,xxx.xx.<br> Chapter plan xx was filed xx/xx/xxxx, amended xx chapter plan was entered on xx/xx/xxxx; debtors shall pay the payment as $xxx.xx per month forx months and $xxx.xx per month for xx months. This plan was confirmed yet confirmed on xx/xx/xxxx. BK case was discharged on xx/xx/xxxx and got terminated on xx/xx/xxxx. No further information is available about the bankruptcy. | The loan modification agreement was made between "xx" and lender 'xx,' (Lender) effective date is xx/xx/xxxx. The first modified payment is still due for the date of xx/xx/xxxx and the new maturity date will be xx/xx/xxxx. The new modified unpaid principal balance is $xxx,xxx.xx and interest bearing amount is $xxx,xxx.xx. The Borrower is making the payment as per the modification terms that are x.xx% and modified P&I $xxx.xx. <br>The Loan was modified into x steps.<br> x) Period: xx, Rate: x.xx%, P&I: $xxx.xx, Date: xx/xx/xxxx<br> x) Period: xx, Rate: x.xx%, P&I: $xxx.xx, Date: xx/xx/xxxx<br> x) Period: xxx, Rate: x.xx%, P&I: $xxx.xx, Date: xx/xx/xxxx | Affiliated Business Disclosure<br> Loan Program Info Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Prepayment Penalty Rider | xx | 3: Curable |  | \* Lost Note Affidavit (Lvl 3) "Original note is damaged / lost, and lost note affidavit found in the loan file at locator "xx". However a duplicate copy available in loan files." | \* DTI > 60% (Lvl 2) "As per final application dated xx/xx/2007, the borrower monthly income is $6,795.00 and monthly expenses are given in the amount of $4,683.60. Hence the DTI ratio became 68.972%, which is greater than 60%."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is required for ARM loan; however document is missing from loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Services Providers is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located at FL State. The following state disclosures are missing from the loan files.<br> ?Anti-Coercion Notice<br> ?Title Insurance Disclosure<br> ?Radon Gas Disclosure<br> ?Insurance Sales Disclosure."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer Disclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2) "Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file."<br> \* Prepayment Rider Missing (Lvl 2) "The subject loan has prepayment provision and the Prepayment rider is attached with Note but Prepayment rider is not attached with the recorded copy of Mortgage."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Form is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $20002.49 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 6013968 | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | ????.?? | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 46.465% | 46.465% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 24.190% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx. <br> The chain of assignment has been completed. The latest assignment is from xx.<br>Active judgments or liens are as follows:<br> There are numerous civil judgments against the xx; however, the last four digits of SSN# provided on the copy of judgments does not match with SSN# ('xx') of the borrower 'xx'. Hence, these judgments are not considered. <br>There are two state tax liens against the ''xx'; however, the last four digits of SSN# provided on the copy of judgments does not match with SSN#('xx') of the borrower 'xx'.<br>There are four certificates of tax lien (state tax) against the borrower 'xx'. In the favor of 'xx' Tax collector county of Los Angeles for the total amount of $xxx.xx which were recorded on xx/xx/xxxx, xx/xx/xxxx, and xx/xx/xxxx respectively. The tax lien document states that these are delinquent unsecured property taxes; however, the property or site address on which these taxes were imposed does not match with the subject property address. <br>Property Tax Status:<br>The xst installment of xxxx and xxxx county property taxes have been paid. But, the xnd installment of xxxx/xxxx county property taxes has been due in the amount of $xxx.xx. These taxes will become delinquent after xx/xx/xxxx. No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is delinquent for x months. The next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The UPB reflected in the payment history is in the amount of $xxx,xxx.xx. | Collections Comments:As per the servicing comments, the loan is currently in bankruptcy and the next payment due date is xx/xx/xxxx. <br> The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied for the due date of xx/xx/xxxx. The UPB reflected in the amount of $xxx,xxx.xx. <br>The borrower 'xx' had filed bankruptcy under chapter xx with the case#xx on xx/xx/xxxx. The proposed chapter xx plan filed by the debtor on xx/xx/xxxx was confirmed on xx/xx/xxxx. According to the plan, the debtor shall pay $xxx.xx for the first month and then $xxx.xx for xx months. The creditor had filed POC on xx/xx/xxxx for the secured claim in the amount of $xxx,xxx.xx and arrearage in the amount of $xx,xxx.xx. The motion to dismiss the case has been filed on xx/xx/xxxx for failure to Make Plan Payments. <br>The foreclosure has been on hold due to active bankruptcy. <br>The subject property is located in the xxxx County where the FEMA disaster is declared; however, the comment dated xx/xx/xxxx shows no impact was noted to the subject property due to the disaster. <br>Update:-<br>As per the servicing comment dated xx/xx/xxxx, the reason for default is excessive obligations.<br> As per servicing comments dated xx/xx/xxxx, the foreclosure sale was scheduled for xx/xx/xxxx. As per servicing comment dated xx/xx/xxxx, the foreclosure has been placed on hold as borrower filed for bankruptcy under chapter xx on xx/xx/xxxx. No more evidence is available in the latest xx months servicing comments regarding further foreclosure proceedings.<br> As per servicing comments dated xx/xx/xxxx, bankruptcy case filed under Chapter xx on xx/xx/xxxx.<br> As per servicing comment dated xx/xx/xxxx, the subject property has been affected by natural disaster.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower 'xx' had filed bankruptcy under chapter xx with the case#xx on xx/xx/xxxx. The proposed chapter xx plan filed by the debtor on xx/xx/xxxx was confirmed on xx/xx/xxxx. According to the plan, the debtor shall pay $xxx.xx for the first month and then $xxx.xx for xx months. The creditor had filed POC on xx/xx/xxxx for the secured claim in the amount of $xxx,xxx.xx and arrearage in the amount of $xx,xxx.xx. The motion to dismiss the case has been filed on xx/xx/xxxx for failure to Make Plan Payments. | Not Applicable | Affiliated Business Disclosure<br> Loan Program Info Disclosure | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed TILA Finance Charge Test, TILA Foreclosure Rescission Finance Charge Test, and TILA APR Test."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "TILA finance charge test and TILA foreclosure rescission finance charge test.<br> Loan Data: $600,907.25 Comparison Data $798,472.35 Variance -$197,656.10<br>This loan failed the TILA APR test:<br> Loan Data: 9.725% Comparison Data 11.736% Variance -2.011%"<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan Program disclosure is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Service providers disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Required affiliated business disclosure is missing from the loan file." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 86880494 | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | Yes | Yes | Not Applicable | Second | xx | ? | ????.? | ??/??/???? | xx | Yes | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | 102.150% | 102.150% | Unavailable | Yes | xx | xx | 25.000% | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> The chain of the assignment has been completed. The latest assignment is from xx.<br> There is an HOA/COA lien against property in the favor of xx. in the amount of $xxxx.xx which was recorded on xx/xx/xxxx.<br> The xxxx-xxxx taxes have been paid. No prior year delinquent taxes have been found. | According to the review of the payment history, the borrower is delinquent for xxx+ days and the next due is on xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied on xx/xx/xxxx. The UPB is $xxx,xxx.xx. The P&I is $xxx.xx and PITI is $x,xxx.xx. The borrower has been making his payments as per the xxxx mod terms. | Collections Comments:The loan is currently in the bankruptcy and the next to last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied on xx/xx/xxxx. The loan has been modified once since origination. As per the review of PACER report, the borrower xx had filed bankruptcy under chapter xx with case# xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. The foreclosure was initiated and referred to an attorney on xx/xx/xxxx. The complaint file was filed on xx/xx/xxxx. No further details have been found. The reason for default is unemployment/decreased income. <br> As per the comment dated xx/xx/xxxx, the property is owner-occupied. No repairs and damages have been found.<br>Foreclosure Comments:The foreclosure was initiated and referred to an attorney on xx/xx/xxxx. The complaint file was filed on xx/xx/xxxx. No further details have been found. <br> Bankruptcy Comments:<br> As per the review of PACER report, the borrower xx had filed bankruptcy under chapter xx with case# xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. As per the chapter xx plan, the debtor shall pay to the trustee the sum $xxxx.xx per month for xx months. The POC was filed on xx/xx/xxxx with its amount as $xxx,xxx.xx and the arrearage amount is $xx,xxx.xx. | The loan was modified on xx/xx/xxxx between the borrower xx and lender MERS Nominee for xx. According to the modified terms, the new principal balance is in the amount of $xxx,xxx.xx. The borrower promises to pay P&I of $xxx.xx with the rate of interest x.xxx %, beginning from xx/xx/xxxx. The new maturity date is xx/xx/xxxx. The interest bearing is in the amount of $xxx,xxx.xx. There is no deferred balance. There is no principal forgiven amount. | Affiliated Business Disclosure<br> Credit Application<br> Good Faith Estimate<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Origination Appraisal | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Application is missing from the loan file."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "Loan Origination Fee Test: FAIL $1,608.32 $1,583.32 +$25.00.<br> This loan failed the loan origination fee test. (VA Pamphlet 26-7, Chapter 8.02)<br> The loan charges the veteran a loan origination fee and/or unauthorized fees, the total of which exceeds 1% of the loan amount,<br> or 1% of the unpaid principal balance if the loan is an Interest Rate Reduction Refinance Loan (IRRRL).<br> In addition to certain itemized fees and charges designated by VA guidelines, the lender may charge the veteran a flat charge not<br> to exceed 1%. The lender's maximum allowable flat charge of 1% is intended to cover all of the lender's costs and services which<br> are not reimbursable as "itemized fees and charges."<br> The seller, lender, or any other party may pay fees and charges, including discount points, on behalf of the borrower. VA<br> regulations limit charges "made against or paid by" the borrower. They do not limit the payment of fees and charges by other<br> parties."<br> \* Good Faith Estimate missing or unexecuted (Lvl 2) "Final Good Faith Estimate is missing from the loan file."<br> \* GSE Points and Fees Test Violations (Lvl 2) "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial Escrow Disclosure is missing from the loan file."<br> \* Initial Good Faith Estimate is Missing (Lvl 2) "Initial Good Faith Estimate is missing from the loan file."<br> \* Initial Truth in Lending Disclosure is Missing (Lvl 2) "Initial Truth in Lending is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Service Providers is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in Florida State. The following required state disclosures are missing from the loan file. <br> 1.Anti-Coercion Notice<br> 2.Title Insurance Disclosure<br> 3.Radon Gas Disclosure<br> 4.Insurance Sales Disclosure"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Disclosure is missing from the loan file." |  | Elevated | Not Covered | Pass | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 28247610 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | ????.?? | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 75.000% | 86.667% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 36.023% | First | Final policy | Not Applicable | xxxxx | xx/xx/xxxx | xxxxxx.xx | xxxx.xx | x.xxx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | The review of the pro-title report dated on xx.<br> The chain of the assignment has been completed. The latest assignment is from xx. <br> There is junior mortgage in the amount of $xx,xxx in favor of First Horizon Home Loan Corporation which was recorded on xx/xx/xxxx.<br> There is one State Tax lien against the name of borrower xx in the amount of $xxx.xx which was recorded on xx/xx/xxxx in favor of xx. The related document does not reflect the SSN/DOB of the borrower, hence unable to verify the lien against the subject borrower.<br> There is junior judgment against the name of borrower xx in the amount of $xxxx.xx which was recorded on xx/xx/xxxx in favor of xx<br> The annual combined taxes for xxxx have been paid total in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year delinquent taxes have been found. | Review of updated payment history shows that the loan is performing and borrower is making his monthly payments. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx with interest rate of x.xxx% for the due date of xx/xx/xxxx. The next due date is xx/xx/xxxx. The latest payment history reflects the UPB in the amount of $xxx,xxx.xx. The borrower has been making the payments as per the modification agreement made on xx/xx/xxxx. | Collections Comments:According to the latest servicing comments the loan is performing and borrower is making his monthly payments. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx with interest rate of x.xxx% for the due date of xx/xx/xxxx. The next due date is xx/xx/xxxx. The latest payment history reflects the UPB in the amount of $xxx,xxx.xx. The borrower has been making the payments as per the modification agreement made on xx/xx/xxxx.<br> The latest loan modification agreement was made on an effective date of xx/xx/xxxx between "xx" (borrower) and "xx" (Lender).<br> The borrower had given promise to pay the UPB of $xxx,xxx.xx. According to the mod the borrower has promised to pay the interest rate of x.xxx % and P&I $x,xxx.xx with Fixed amortized type and the first payment had begun from xx/xx/xxxx and ends with the maturity date of xx/xx/xxxx.<br> The borrower had also given the promise to pay the deferred balance in the amount of $x,xxx.xx on the maturity date. The UPB that has been amortized is $xxx,xxx.xx as an interest bearing amount.<br>According to collection comments the bankruptcy and foreclosure activity has not been found. <br> As per the latest BPO report dated xx/xx/xxxx and located at "xx" the property is occupied by the owner and no damage pertaining to the subject property.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Since origination the loan was modified x times. First mod was made on xx/xx/xxxx, located at "xx"and the second mod was made on xx/x/xxxxwhich is located at "xx".<br> The latest loan modification agreement was made on an effective date of xx/xx/xxxx between "xx" (borrower) and "xx" (Lender).<br> The borrower had given promise to pay the UPB of $xxx,xxx.xx. According to the mod the borrower has promised to pay the interest rate of x.xxx % and P&I $x,xxx.xx with Fixed amortized type and the first payment had begun from xx/xx/xxxx and ends with the maturity date of xx/xx/xxxx.<br> The borrower had also given the promise to pay the deferred balance in the amount of $x,xxx.xx on the maturity date. The UPB that has been amortized is $xxx,xxx.xx as an interest bearing amount. | Affiliated Business Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* Missing Required Disclosures (Lvl 2) "List of Service Provider Disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in MD state and the required State disclosures are missing from the loan file as follow.<br> Affidavit of Consideration<br> Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure<br> Balloon Payment<br> No Escrow Account<br> Mandatory Binding Arbitration Disclosures"<br> \* Not all borrowers signed TIL (Lvl 2) "Final TIL is not signed by the borrower."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer Disclosure Document is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Form is missing from the loan file."<br> \* ROR not hand dated by borrower(s) (Lvl 2) "ROR is not hand dated by borrower."<br> \* TIL not hand dated (Lvl 2) "Final TIL is not hand dated by the borrower." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 63407244 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | Yes | Yes | Not Applicable | Second |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | ????.? | ????.?? | ?% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 75.000% | 75.000% | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxxx.xx | x.xxx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | As per the pro-title dated on xx/xx/xxxx, the subject mortgage was originated on xx. The chain of the assignment has been completed. Currently, the assignment is from xx which was recorded on xx/xx/xxxx. There is an active mortgage prior to the subject Mortgage in the favor of xx which was recorded on xx/xx/xxxx for the amount of $xxx,xxx. There is junior judgment against the borrower xx in the favor of xx. in the amount of $xx,xxx.xx which was recorded on xx/xx/xxxx. The xxxx combined xst installment taxes have been paid on xx/xx/xxxx in the amount of $x,xxx.xx. The xnd installment combined taxes of xxxx are due for the amount of $x,xxx.xx which was due on xx/xx/xxxx. No, any prior year delinquent taxes have been found. | As per the payment history as of xx/xx/xxxx, the borrower is currently delinquent from x months and next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx for the amount of $x,xxx.xx with an interest rate of x.xxx%. The new UPB is reflected in the amount of $xxx,xxx.xx. However, the borrower has been making payments as per the modification agreement which was made on xx/xx/xxxx. | Collections Comments:As per the servicing comment as of dated xx/xx/xxxx, the loan is active in the collection and next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx for the amount of $x,xxx.xx with an interest rate of x.xxx%. The new UPB is reflected in the amount of $xxx,xxx.xx. However, the borrower has been making payments as per the modification agreement which was made on xx/xx/xxxx between the borrower xx and the lender xx. As per the modified terms, the interest bearing amount is $xxx,xxx.xx and deferred amount is $xxx,xxx.xx. However, the new principal balance is $xxx,xxx.xx. The borrower has promised to pay in x steps. The borrower has pay for the first step in the amount of $x,xxx.xx with an interest rate of x.xx% beginning on xx/xx/xxxx till xx/xx/xxxx. The maturity date is xx/xx/xxxx. The reason for default is unable to be determined. The foreclosure activity has not been found. The borrower did not file bankruptcy. As per the latest BPO report dated xx/xx/xxxx, the subject property is owner occupied with average condition. No damage and repairs have been found. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan was modified once since origination. The borrower has been making payment as per the modification agreement which was made on xx/xx/xxxx between the borrower xx and the lender xx. As per the modified terms, the interest bearing amount is $xxx,xxx.xx and deferred amount is $xxx,xxx.xx. However, the new principal balance is $xxx,xxx.xx. The borrower has promised to pay in x steps. The borrower has pay for the first step in the amount of $x,xxx.xx with an interest rate of x.xx% beginning on xx/xx/xxxx till xx/xx/xxxx. The maturity date is xx/xx/xxxx. | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 along with itemization and estimated HUD-1 are missing from the loan file." | \* Application Missing (Lvl 2) "Final Application is missing from the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Service Providers Disclosures is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in NY state. The following state disclosures is missing from the loan file. <br> NY Consumer Credit Disclosure / Fair Credit Reporting Notice<br> NY Interest Rate Disclosure<br> NY Hazard Insurance Disclosure<br> Tax Escrow Account Designation<br> Mortgage Bankers and Exempt Organizations Preapplication<br> Part 80 Disclosure<br> Alternative Mortgage Transaction Disclosures<br> Co-Signer Notice Requirements<br> Default Warning Notice<br> Smoke Alarm Affidavit<br> New York Real Property Escrow Account Disclosure<br> Subprime Home Loan Counseling Disclosure<br> Subprime Home Loan Tax and Insurance Payment Disclosure<br> Subprime Home Loan Disclosure<br> Commitment Disclosure<br> Lock-in Disclosure<br> Expiration of Lock-in or Commitment Period"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "The notice of servicing transfer disclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2) "The operative index value is unable to be determined from the available loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "The required affiliated business disclosure is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 27183404 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.? | ??.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 83.361% | 83.361% | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | Not Applicable | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | The updated title report dated xx/xx/xxxx shows that the subject mortgage was dated xx.<br> The chain of assignment is incomplete as there is break in assignment from xx.<br> No active judgments or liens have been found.<br> xxxx combined annual taxes have been paid in the total amount $xxx.xx.<br> xxxx combined annual taxes have been paid in the total amount $xxx.xx.<br> xxxx combined annual taxes have been paid in the total amount $xxx.xx. | The Payment History dated as of xx/xx/xxxx reveals that the borrower has been the delinquent from xx/xx/xxxx to till date. The delinquency has been done for xx months. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx and it was applied for the due date xx/xx/xxxx. The current P&I is $xxx.xx and rate of interest is x.xxx%. The current unpaid principal balance is in the amount of $xx,xxx.xx. The last payment was made by borrower as per the loan modification agreement which was made on xx/xx/xxxx. | Collections Comments:Available servicing comment and documents in file reveal that loan is in bankruptcy.<br> The Payment History dated as of xx/xx/xxxx reveals that the borrower has been the delinquent from xx/xx/xxxx to till date. The delinquency has been done for xx months. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx and it was applied for the due date xx/xx/xxxx. The current P&I is $xxx.xx and rate of interest is x.xxx%. The current unpaid principal balance is in the amount of $xx,xxx.xx. The last payment was made by borrower as per the loan modification agreement which was made on xx/xx/xxxx.<br> According to the PACER, the xx (borrower) had filed for bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. Schedule D in voluntary petition dated xx/xx/xxxx states, the amount of claim without deducting value of collateral was $xx,xxx.xx and value of collateral that support for this claim was $xx,xxx.xx. However, unsecured portion remained as $x,xxx.xx. POC was filed by xx on xx/xx/xxxx, in the secured claim amount $xx,xxx.xx and an arrearage in the amount of $x,xxx.xx. Chapter xx plan was filed on xx/xx/xxxx. Amended chapter xx plan was filed on xx/xx/xxxx, which states that arrearage was included in the plan with the amount $x,xxx.xx and regular mortgage payment will pay directly to creditor. This amended plan was confirmed on xx/xx/xxxx.<br> Available servicing comment and documents in file reveal that loan is in foreclosure since xxxx. Foreclosure was referred to attorney, which was completed on xx/xx/xxxx. Foreclosure sale was scheduled for xx/xx/xxxx. But foreclosure was put on hold due to borrower had filed bankruptcy under chapter xx with the case #xx on date xx/xx/xxxx. Currently, loan is in active bankruptcy.<br> Available servicing comment and documents in file reveal that loan is in foreclosure since xxxx. Foreclosure was referred to attorney, which was completed on xx/xx/xxxx. Foreclosure sale was scheduled for xx/xx/xxxx. But foreclosure was put on hold due to borrower had filed bankruptcy under chapter xx with the case #xx on date xx/xx/xxxx. Currently, loan is in active bankruptcy.<br> According to collection comment, no damages or repairs have been found.<br> According latest exterior inspection report dated xx/xx/xxxx, the subject property was occupancy unknown and the property was in fair condition. No damages and estimated repairs have been noted.<br>Foreclosure Comments:Available servicing comment and documents in file reveal that loan is in foreclosure since xxxx. Foreclosure was referred to attorney, which was completed on xx/xx/xxxx. Foreclosure sale was scheduled for xx/xx/xxxx. But foreclosure was put on hold due to borrower had filed bankruptcy under chapter xx with the case #xx on date xx/xx/xxxx. Currently, loan is in active bankruptcy.<br> Bankruptcy Comments:According to the PACER, the Sue Cook Long (borrower) had filed for bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx and the plan was confirmed on xx/xx/xxxx. Schedule D in voluntary petition dated xx/xx/xxxx states, the amount of claim without deducting value of collateral was $xx,xxx.xx and value of collateral that support for this claim was $xx,xxx.xx. However, unsecured portion remained as $x,xxx.xx. POC was filed by xx on xx/xx/xxxx, in the secured claim amount $xx,xxx.xx and an arrearage in the amount of $x,xxx.xx. Chapter xx plan was filed on xx/xx/xxxx. Amended chapter xx plan was filed on xx/xx/xxxx, which states that arrearage was included in the plan with the amount $x,xxx.xx and regular mortgage payment will pay directly to creditor. This amended plan was confirmed on xx/xx/xxxx. | The loan modification agreement was made between xx(borrowers) and xx on xx/xx/xxxx with the new modified unpaid principal balance $xx,xxx.xx. From unpaid principal balance the amount of principal balance $x,xxx.xx had permanently forgiven. The interest bearing amount was $xx,xxx.xx with step rate starting interest rate was x.xxx% and the modified P&I was $xxx.xx beginning on xx/xx/xxxx. The step rate was in x steps ending at rate x.xxx% and P&I will be $xxx.xx applicable from xx/xx/xxxx to maturity date xx/xx/xxxx. | Affiliated Business Disclosure<br> Credit Application<br> HUD-x Closing Statement<br> Initial Escrow Acct Disclosure<br> Missing Required Disclosures<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1/settlement statement along with estimated HUD-1 / itemization of fees are missing from the loan file." | \* Application Missing (Lvl 2) "Final application is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial Escrow acct disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Service providers disclosure is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer Document is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Form is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "Right of Rescission is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 8426018 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | 100.000% | 100.000% | Full Documentation | No | xx | xx | Unavailable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 48.459% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/xxxx shows that the subject mortgage was originated onxx.<br>No single assignment of mortgage is available in the updated title report.<br>No active judgments/liens are available in the updated title report against the borrower/subject property.<br>xxxx year annual combined taxes of $x,xxx.xx were paid in full on xx/xx/xxxx. <br> No prior year delinquent taxes found in the updated title report. | Review of the updated payment history as of xx/xx/xxxx shows that the loan is in delinquency for +xx days and the next due date for the payment is xx/xx/xxxx. The borrower hasn't made any single regular payment so far since origination the loan. The UPB has been mentioned in the updated payment history is in the amount of $xxx,xxx.xx. | Collections Comments:The loan is in delinquency for +xx days and the next due date for the payment is xx/xx/xxxx. The borrower hasn't made any single regular payment so far since origination the loan. The UPB has been mentioned in the updated payment history is in the amount of $xxx,xxx.xx. <br>The servicing comment dated xx/xx/xxxx states that the subject property was effected by hurricane. Hurricane Florence is impacted the borrower's account. The property was damaged but FEMA denied the damages as the damages are outside the flooding.<br> The comment dated xx/xx/xxxx states that VA trial plan was approved and the terms are as follows from xx/xx/xxxx to xx/xx/xxxx in the amount of $x,xxx.xx for x months. The latest comment on xx/xx/xxxx states that the borrower said to the servicer that she would review the documents and call back. No more evidences are available in the latest comments regarding the FB plan.<br> Borrower was offered Disaster Forbearance plan for x months which was begun from xx/xx/xxxx to xx/xx/xxxx with the total payment of $x,xxx.xx. Borrower signed the Forbearance agreement on xx/xx/xxxx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 3: Curable |  | \* MI, FHA or MIC missing and required (Lvl 3) "MI Certificate is missing from the loan file as the loan is VA." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "CE risk indicator is "Elevated" as the subject loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 48.459% as the Borrower income was $3,343.00 and total expenses are in the amount of $1,619.97 per AUS (Locator#xx) and the loan was underwritten by AUS & it's recommendation is "Approve/Eligible."<br> Qualified Mortgage DTI Threshold Finding: YES Charged: 48.459% Allowed: 43.000% Over By: +5.459%<br> The tape data shows, property was impacted by hurricane in Sept 2018 and as borrower was eligible for loan forbearance program. The borrower initially selected a 90-day forbearance (no payment in Oct-Dec). He has now elected to go on a payment program that will have hit caught up in April. While the loan has been insured by VA, it is not eligible for inclusion into a Ginnie Mae pool in its current forbearance status." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 88310795 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 94.198% | 94.198% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 55.016% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Updated title report as of xx/xx/xxxx shows that the subject mortgage is in first lien position. The subject mortgage was originated on xx.<br>No single assignment of mortgage is available in the updated title report.<br>Active junior or senior judgments/liens/mortgages:<br>x. There is an active junior/piggy back mortgage available in the updated title report in the amount of $x,xxx.xx in favor of xx.<br>The annual combined taxes of xxxx have been paid in full in the amount of $x,xxx.xx on xx/xx/xxxx.<br> No prior year delinquent taxes are found in the updated title report. | Review of the updated payment history as of xx/xx/xxxx shows that the loan is performing well currently and the next due date for the payment is xx/xx/xxxx. The last regular payment (P&I) was made on xx/xx/xxxx in the amount of $xxx.xx for the due date of xx/xx/xxxx. The UPB has been mentioned in the updated payment history in the amount of $xxx,xxx.xx. The borrower has been making regular payments currently according to the original Note terms. | Collections Comments:The loan is performing well currently and the next due date for the payment is xx/xx/xxxx. The last regular payment (P&I) was made on xx/xx/xxxx in the amount of $xxx.xx for the due date of xx/xx/xxxx. The UPB has been mentioned in the updated payment history in the amount of $xxx,xxx.xx. The borrower has been making regular payments currently according to the original Note terms.<br> No evidences are available in the latest xx months servicing comments regarding foreclosure proceedings and Bankruptcy filings. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "1. Missing valid COC for a fee increase on LE dated xx/xx/2017. LE dated xx/xx/2017 reflects a Points - Loan Discount Fee of $0.00, however, LE dated xx/xx/2017 reflects the Points - Loan Discount Fee $1,261.00. This is a fee increase of $1,261.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.<br>2. TRID fee violation for $138.05 due to total fees increase which greater than a 10% increase in "creditor's provider fees" in Section B for a Notary Fee ($155.00); Abstract/Title Search Fee of $35.00; Title Tax Cert Fee of $31.00 and Title Document Preparation Fee ($250.00) Valid COC required to clear violation."<br> \* MI, FHA or MIC missing and required (Lvl 3) "MI Certificate is missing from the loan file as the loan is FHA." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (6.117%) is exceeded APOR (5.160%) by 0.957%. The APR threshold is 5.160% and the subject loan is escrowed one.<br>Qualified Mortgage Safe Harbor Threshold: FAIL Charged: 6.117% Allowed: 5.160% Over by: +0.957%"<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "The subject loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 51.976% as the Borrower income was $3,084.45 and total expenses are in the amount of $1,697.17 per AUS (Locator:DU Underwriting: Locator#xx) and the loan was underwritten by AUS & AUS recommendation is "Approve/Eligible." That means this loan is eligible for delivery to Fannie Mae and qualifies as Safe Harbor."<br> \* Higher Price Mortgage Loan (Lvl 2) "This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 6.117% Allowed: 5.510% Over by: +0.607%" |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 14077771 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | ????.?? | ???? | ?.??% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 80.000% | 100.000% | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | xxxxx | xx/xx/xxxx | xxxxxx | xxxxx.xx | x.x% | xxxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx. The chain of assignment has been completed. Currently, the subject mortgage is with xx. There are x active UCC liens which were recorded on xx/xx/xxxx & xx/xx/xxxx in favor of xx. Second installment of xxxx-xxxx county taxes is due in the amount of $x,xxx.xx. No prior year delinquent taxes have been found pending. | Review of payment history shows that the borrower is not making the payments regularly. The borrower is delinquent for more than xx days. The last payment was received on xx/xx/xxxx and that payment was applied for the due date of xx/xx/xxxx with the amount of $x,xxx.xx and interest rate of x.xxx%. The next due date is xx/xx/xxxx. The latest payment history reflects the UPB in the amount of $xxx,xxx.xx. The borrower has been making the payments as per the loan modification. | Collections Comments:The loan is in collections. The borrower is not making the payments regularly. The borrower is delinquent for more than xx days. The last payment was received on xx/xx/xxxx and that payment was applied for the due date of xx/xx/xxxx with the amount of $x,xxx.xx and interest rate of x.xxx%. The next due date is xx/xx/xxxx. The borrower has been making the payments as per the loan modification. The loan was modified on xx/xx/xxxx with new modified principal balance of $xxx,xxx.xx with deferred amount of $xx,xxx.xx. The first modified payment is still due for x/x/xxxxand the new maturity date will be xx/xx/xxxx. The debtor xx had filed the bankruptcy under chapter xx with case#xx on xx/xx/xxxx. As per third modified chapter xx plan dated xx/xx/xxxx, the debtor shall pay a sum of $xxxx.xx to the trustee from his/her future earnings for xx months. The plan was confirmed on xx/xx/xxxx. The debtor was dismissed on xx/xx/xxxx. The bankruptcy was terminated on xx/xx/xxxx. The POC was filed on xx/xx/xxxx with POC amount of $xxx,xxx.xx and amount of arrearage is $xx,xxx.xx. As per comment dated xx/xx/xxxx, the reason for default is borrower's illness. The borrower had a stroke due to which she is in rehab. The borrower is expecting disability income that she will use to start the making payments. As per comments, the subject property is owner-occupied with no visible damages or repairs.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The debtor xx had filed the bankruptcy under chapter xx with case#xx on xx/xx/xxxx. As per third modified chapter xx plan dated xx/xx/xxxx, the debtor shall pay a sum of $xxxx.xx to the trustee from his/her future earnings for xx months. The plan was confirmed on xx/xx/xxxx. The debtor was dismissed on xx/xx/xxxx. The bankruptcy was terminated on xx/xx/xxxx. The POC was filed on xx/xx/xxxx with POC amount of $xxx,xxx.xx and amount of arrearage is $xx,xxx.xx. | The loan modification agreement was made between borrower xx and xx xx/xx/xxxx. The first modified payment is still due for x/x/xxxxand the new maturity date will be xx/xx/xxxx. The new Modified Unpaid Principal Balance is $xxx,xxx.xx where differed balance $xx,xxx.xx and reduction in principle xx,xxx.xx.The modification rate would be x.xxx% and modified P&I is $x,xxx.xx. | Affiliated Business Disclosure<br> Credit Application<br> HUD-x Closing Statement<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1 is available in the loan file located at (Hill-Avery - HUD 1).There is a fee of $149.95 mentioned on the HUD-1 and it was expected to be mentioned on the addendum to HUD-1 (3rd page). However, the addendum (3rd page) is missing from the available copy of HUD-1.""<br> \* Not all borrowers signed HUD (Lvl 3) "Unexecuted copy of Final HUD-1 is available in the loan file. The same HUD-1 is considered to test the CE report." | \* Application Missing (Lvl 2) "Final 1003 is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial Escrow account disclosure is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in Louisiana , LA state required disclosure all are missing from the loan file.<br> 1) Impound Account Disclosure<br> 2) Cosigner Notice<br> 3) Private Mortgage Insurance Disclosure<br> 4) Hazard Insurance Disclosure<br> 5) Insurer Recommendation Disclosure<br> 6) Anti-Tying Disclosure<br> 7) Privacy Notice<br> 8) Notice of Right to Copy of Appraisal<br> 9) Application for Credit-Married Persons<br> 10) Fair Debt Collection Notice<br> 11) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of Servicing Transfer disclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2) "Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Disclosure is missing from the loan file."<br> \* Settlement date is different from note date (Lvl 2) "As per Final HUD-1, settlement date is xx/xx/2007 however, note date is xx/xx/2006." |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 39168964 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | Yes | Yes | Not Applicable | First |  | ????.?? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 100.000% | 100.000% | Full Documentation | No |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 729 | Not Applicable | 40.385% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx | Not Applicable | x% | xxxx.xx | xx/xx/xxxx | Financial Hardship | The Updated title report dated xx/xx/xxxx shows the mortgage was originated on xx. <br> The chain of the assignment has been completed. The current assignment is with xx. <br> There is a junior mortgage has been found in the amount of $xx,xxx in favor of xx. It was originated on xx/xx/xxxx and recorded on xx/xx/xxxx.<br> The civil judgment of amount $x has been found in favor of xx. It was recorded on xx/xx/xxxx.<br> The annual installments of county taxes for the year of xxxx-xxxx are delinquent in the amount of $xxxx.xx for the due date of xx/xx/xxxx, whose good through date is xx/xx/xxxx.<br> The annual installments county taxes for the year of xxxx-xxxx are due in the amount of $xx.xx and the annual installment county taxes for the year of xxxx-xxxx have been paid in the amount of $xx.xx.<br> The current ownership is vested in the name of xx<br>| The review of the payment history shows that, the borrower is current with the loan and the next due date is for xx/xx/xxxx. The last payment was received on xx/xx/xxxx, in the amount of $x,xxx.xx, which was applied for xx/xx/xxxx. The UPB stated in the payment history is $xxx,xxx.xx. The Current P&I is $x,xxx.xx and PITI is $x,xxx.xx, with the interest rate of x%. Currently, the borrower has been making the payments as per modification, which was made on xx/xx/xxxx. | Collections Comments:The review of comment history shows that the loan is in active bankruptcy.<br> The borrower is current with the loan and the next due date is for xx/xx/xxxx.<br> The foreclosure process was initiated and it was referred to an attorney on xx/xx/xxxx. The sale was scheduled on xx/xx/xxxx. The foreclosure process was kept on hold because the borrower had filed the bankruptcy on xx/xx/xxxxxx had filed the bankruptcy under chapter xx with the Case #xx, dated xx/xx/xxxx. <br> The POC was filed on xx/xx/xxxx, the amount of claim is $xxx,xxx.xx and amount of arrearage is $x, under chapter xx, the debtor shall pay to the trustee in the amount of $xxx for xx months. The motion for relief was filed on xx/xx/xxxx. The schedule D of voluntary petition shows the amount of claim without deducting the value of collateral is $xxx,xxx.xx and the value of property is $xxx,xxx. <br> There is no any evidence of cram down.<br> The last payment was received on xx/xx/xxxx, in the amount of $x,xxx.xx, which was applied for xx/xx/xxxx. The UPB stated in the payment history is $xxx,xxx.xx. The Current P&I is $x,xxx.xx and PITI is $x,xxx.xx, with the interest rate of x%. Currently, the borrower has been making the payments as per modification, which was made on xx/xx/xxxx.<br> As per the modified terms, the new unpaid principle balance is $xxx,xxx out of which, the borrower promises to pay the interest bearing amount of $xxx,xxx at the interest rate of x% with the modified P&I of $x,xxx.xx.<br> The first payment date was due on xx/xx/xxxx and the new maturity date is xx/xx/xxxx.<br> There is no deferred balance has been stated.<br> The property has been occupied by the owner himself.<br>Update: According to servicing comments dated xx/xx/xxxx, the subject property has damages such as roof damage. The subject property is in Maryland. As per collection comment dated xx/xx/xxxx, the FEMA disaster was declared. As per servicing comment dated xx/xx/xxxx, the borrower has filed a claim for roof damage due to windstorm. The borrower filed insurance claim for loss amount $x,xxx.xx. As per comment dated xx/xx/xxxx, the loss draft check was received in the amount of $xxxx.xx. There is no evidence to confirm the current status of repairs in the latest xx months of collection comments.<br> Foreclosure Comments:The foreclosure process was initiated and it was referred to an attorney on xx/xx/xxxx. The sale was scheduled on xx/xx/xxxx. The foreclosure process was kept on hold because the borrower had filed the bankruptcy on xx/xx/xxxx.<br> Bankruptcy Comments:The borrower xx had filed the bankruptcy under chapter xx with the Case #xx, dated xx/xx/xxxx. <br> The POC was filed on xx/xx/xxxx, the amount of claim is $xxx,xxx.xx and amount of arrearage is $x, under chapter xx, the debtor shall pay to the trustee in the amount of $xxx for xx months. The motion for relief was filed on xx/xx/xxxx. The schedule D of voluntary petition shows the amount of claim without deducting the value of collateral is $xxx,xxx.xx and the value of property is $xxx,xxx. <br> There is no any evidence of cram down.<br>| The modification agreement was done on xx/xx/xxxx, between the (borrower)xx and the (lender) xx.<br> The reason for modification is financial hardship.<br> As per the modified terms, the new unpaid principle balance is $xxx,xxx out of which, the borrower promises to pay the interest bearing amount of $xxx,xxx at the interest rate of x% with the modified P&I of $x,xxx.xx.<br> The first payment date was due on xx/xx/xxxx and the new maturity date is xx/xx/xxxx.<br> There is no deferred balance has been stated.<br>| Good Faith Estimate<br> Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* Good Faith Estimate missing or unexecuted (Lvl 2) "The final GFE is missing in the loan file."<br> \* Missing Required Disclosures (Lvl 2) "The List of Service Provider Disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in Maryland State. The following required state disclosures are missing from the loan file.<br> 1.Affidavit of Consideration<br> 2.Affidavit of Disbursement<br> 3.First Time Buyers Affidavit<br> 4.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure<br> 5.Balloon Payment<br> 6.No Escrow Account<br> 7.Mandatory Binding Arbitration Disclosures<br> 8.Home Buyer Education and Counseling Disclosure" |  | Minimal | Not Covered | Pass | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 61323797 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | Yes | Yes | Not Applicable | Other |  | ????.?? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ????.? | ?.???% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 99.216% | 99.216% | Full Documentation | Yes | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 38.003% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x% | xxxx.xx | xx/xx/xxxx | Financial Hardship | The review of the updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx.<br> The chain of assignments has been completed. The latest assignment is from xx which was recorded on xx/xx/xxxx.<br> There is a junior mortgage in the favor of xx. in the amount of $xx,xxx.xx which was recorded on xx/xx/xxxx.<br> There is a water sewer lien in the favor of xx in the amount of $x,xxx.xx which was recorded on xx/xx/xxxx.<br> There is code enforcement lien in the favor of xx in the amount of $x,xxx.xx which was recorded on xx/xx/xxxx.<br> There is a junior civil judgment in the favor of xx in the amount of $x,xxx.xx which was recorded on xx/xx/xxxx.<br> There is a junior civil judgment in the favor of xx in the amount of $xxx.xx which was recorded on xx/xx/xxxx.<br> There is a junior civil judgment active in the favor of xx in the amount of $x,xxx.xx which was recorded on xx/xx/xxxx.<br> The annual county taxes for the year of xxxx-xxxx are due on xx/xx/xxxx in the amount of $x,xxx.xx.<br> The annual county taxes for the year of xxxx-xxxx are delinquent in the amount of $ x,xxx.xx which were due on xx/xx/xxxx for the good through date of xx/xx/xxxx. | According to the payment history as of xx/xx/xxxx, the borrower has been delinquent for x months and the next due date for the payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx for the due date of xx/xx/xxxx. The P&I is in the amount of $x,xxx.xx and PITI is in the amount of $x,xxx.xx with an interest rate of x.xx %. The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx. The borrower has been making payments as per the modification agreement. | Collections Comments:The review of the collection comment shows that the loan is in the collection and the next due date for the payment is xx/xx/xxxx. The borrower xx had filed the bankruptcy under chapter-xx with the case# xx on xx/xx/xxxx and the plan is not confirmed yet. The POC has not been filed. According to the amended chapter xx plan dated xx/xx/xxxx, the debtor shall pay $xxxx.xx for xx months and then $xxx.xx from xx to xx months. The debtor was dismissed on xx/xx/xxxx and terminated on xx/xx/xxxx. The schedule-D in Voluntary petition shows that $xx,xxx.xx as unsecured portion out of claim amount of $xxx,xxx.xx. No comment indicating a cram down has been found. The date of the last filing the bankruptcy was xx/xx/xxxx. According to the payment history as of xx/xx/xxxx, the borrower has been delinquent for x months and the next due date for the payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx for the due date of xx/xx/xxxx. The P&I is in the amount of $x,xxx.xx and PITI is in the amount of $x,xxx.xx with an interest rate of x.xx %. The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx. The borrower has been making payments as per the modification agreement. The loan modification agreement was made on xx/xx/xxxx between the (borrower) xx and (lender) xx. The loan has been modified thrice since origination. No damage and repairs have been found. The reason for default has not been found. No information pertaining to foreclosure has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower Pearly Mae Whisby had filed the bankruptcy under chapter-xx with the case# xx-xxxxx on xx/xx/xxxx and the plan is not confirmed yet. The POC has not been filed. According to the amended chapter xx plan dated xx/xx/xxxx, the debtor shall pay $xxxx.xx for xx months and then $xxx.xx from xx to xx months. The debtor was dismissed on xx/xx/xxxx and terminated on xx/xx/xxxx. The schedule-D in Voluntary petition shows that $xx,xxx.xx as unsecured portion out of claim amount of $xxx,xxx.xx. No comment indicating a cram down has been found. The date of the last filing the bankruptcy was xx/xx/xxxx. | The loan modification agreement was made on xx/xx/xxxx between the (borrower) xx and (lender) xx. The new modified principal balance as per modification is in the amount of $xxx,xxx.xx with an interest rate of x.xx % and the borrower promises to pay P&I in the amount of $x,xxx.xx beginning from xx/xx/xxxx. The maturity date is xx/xx/xxxx. The deferred balance is in the amount of $xx,xxx.xx. The loan has been modified thrice since origination. | Affiliated Business Disclosure<br> Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed the TILA finance charge test.<br> This loan failed the TILA APR test."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA finance charge test.<br> The finance charge is $327,186.52. The disclosed finance charge of $321,621.04 is not considered accurate because it is understated by more than $100.<br> This loan failed the TILA APR test.<br> The annual percentage rate (APR) is 7.203%. The disclosed APR of 6.974% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method."<br> \* Missing Required Disclosures (Lvl 2) "The list of service providers disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in Florida State. The following state disclosures are missing from the loan file. <br> 1.Anti-Coercion Notice.<br> 2.Title Insurance Disclosure.<br> 3.Radon Gas Disclosure.<br> 4.Insurance Sales Disclosure."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "The Affiliated business disclosure is missing from the loan file." |  | Moderate | Not Covered | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 28115137 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Unavailable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ??.??% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | 100.000% | 100.000% | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx | xxxxx.xx | x.x% | xxxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx. The chai of assignment has been completed. No active judgments or liens have been found. Second installment of xxxx combined taxes is due in the amount of $xxxx.xx. No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The last payment was received on xx/xx/xxxx, the payment was applied for due date xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. The P&I is in the amount of $x,xxx.xx and PITI is in the amount of $x,xxx.xx with an interest rate of x.xxx%. The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx. The borrower has been making payments as per the modification agreement. | Collections Comments:The loan is performing. The borrower is making the payments regularly. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx and that was applied for the due date of xx/xx/xxxx. The next due date for payment is xx/xx/xxxx. The P&I is in the amount of $x,xxx.xx and PITI is in the amount of $x,xxx.xx with an interest rate of x.xxx%. The borrower has been making payments as per the modification agreement. The loan was modified on xx/xx/xxxx with new modified principal amount of$xxx,xxx.xx with interest rate of x.xxx % and the borrower promises to pay P&I in the amount of $x,xxx.xx beginning from xx/xx/xxxx. The maturity date as per modification is xx/xx/xxxx. No evidence of bankruptcy has been found. The foreclosure is currently on hold. As per available documents, the foreclosure was initiated on loan. The complaint was filed on xx/xx/xxxx. The motion for judgment was filed on xx/xx/xxxx and the foreclosure judgment was entered on xx/xx/xxxx. No further details have been found. No comments have been found regarding the occupancy & condition of subject property.<br> Foreclosure Comments:The foreclosure is currently on hold. As per available documents, the foreclosure was initiated on loan. The complaint was filed on xx/xx/xxxx. The motion for judgment was filed on xx/xx/xxxx and the foreclosure judgment was entered on xx/xx/xxxx. No further details have been found.<br> Bankruptcy Comments:Not Applicable | The loan was modified on xx/xx/xxxx between the borrower xx and lender xx. The new modified principal balance as per modification is in the amount of $xxx,xxx.xx with interest rate of x.xxx % and the borrower promises to pay P&I in the amount of $x,xxx.xx beginning from xx/xx/xxxx. The maturity date as per modification is xx/xx/xxxx. The interest-bearing amount is $xxx,xxx.xx and the deferred balance is $xx,xxx.xx which is eligible for forgiveness over x years. This loan was modified twice. The prior modification was made on xx/xx/xxxx. | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The Final HUD-1 along with estimated HUD-1 and itemization are missing from the loan file." | \* Application Missing (Lvl 2) "Final Application is missing from the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2) "The Final Truth In Lending Disclosure is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial Escrow Account Disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report at the time of origination is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Service Provider Disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in the Massachusetts state. The following state disclosures are missing from the loan file:<br>1.Lead-Based Paint Disclosure<br> 2.Mortgage Loan Application Disclosure<br> 3.Carbon Monoxide Alarms<br> 4.MA Smoke Detector Certificate<br> 5.Notice of the Specific Reason for Denial of Credit<br> 6.Demonstration and Documentation of Compliance with Borrower's Interest Requirement"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing Transfer Disclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2) "Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Disclosure is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 54607106 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington D.C. | xx | xx | xx | Washington D.C. | xx | xx | No | No | Not Applicable | Other | xx | ? | ????.?? | ??/??/???? | xx | No | Other | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.? | ?.?% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 30.000% | Not Applicable |  | Not Applicable | PUD | xx | xx | Investor | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | 13.785% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As of xx/xx/xxxx shows subject mortgage was originated on xx. <br> Chain of assignment is complete as current assignee is with xx. <br> Liens are as follows:<br> There are x active HOA judgments with xx for $x,xxx.xx and $x,xxx.xx which was recorded on different dates.<br> Annual combined taxes have been paid in the amount of $xxxx.xx.<br> No delinquent taxes have been found. | Review of the payment history provided from xx/xx/xxxx to xx/xx/xxxx reveals that borrower has not been delinquent. The last payment was received in the amount of $xxx.xx on xx/xx/xxxx which was applied for the due date of xx/xx/xxxx. The next due date is xx/xx/xxxx. Current UPB as of date reflects in the provided payment history is in the amount of $xx,xxx.xx and current interest rate as per payment history is x.xxx%. | Collections Comments:As per the collection comment and the updated title report, foreclosure process was initiated in the loan with the case#xx .<br> It was referred to the attorney on xx/xx/xxxx.<br> Comment shows that the complaint was filed on xx/xx/xxxx.<br> No further information is available to understand the current status of foreclosure process.<br> Borrower wants to keep the property. Therefore, he is looking for an affordable plan like modification or forbearance to keep the property as well to make the loan current.<br> Available servicing comment shows that the subject property is owner occupied and is in good condition. No damages have been observed.<br> The reason for default is as follows:<br> The Borrower is unemployed.<br> There is no source of income.<br>Foreclosure Comments:As per the collection comment and the updated title report, foreclosure process was initiated in the loan with the case#xx .<br> It was referred to the attorney on xx/xx/xxxx.<br> Comment shows that the complaint was filed on xx/xx/xxxx.<br> No further information is available to understand the current status of foreclosure process.<br>Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Loan Program Info Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service providers is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "Following state disclosures are missing from the loan file.<br> DC Insurance Notice<br> Domestic Partner Disclosure"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of service transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Required affiliated business disclosure is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 75428374 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Delaware | xx | xx | xx | Delaware | xx | xx | Yes | Yes | Not Applicable | First |  | ????.?? | ????.?? | ??/??/???? | xx | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 64.479% | 64.479% | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x% | xxxx.xx | xx/xx/xxxx | Financial Hardship | The updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx. <br> The chain of assignment has been completed. Currently; the mortgage is with xx.<br> There is a junior mortgage open against the property in favor of xx in the amount of $xx,xxx.xx which was recorded on xx/xx/xxxx.<br> No active judgments or liens have been found.<br>Tax Status:<br> Annual county and town taxes of xxxx are delinquent in the total amount of $x,xxx.xx which were good through on xx/xx/xxxx.<br> Annual county and town taxes of xxxx are delinquent in the total amount of $x,xxx.xx which were good through on xx/xx/xxxx. | The payment history dated as of xx/xx/xxxx reveals that the borrower is making payment regularly. The payment next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx and it was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx and rate of interest is x.xx%. The current unpaid principal balance is in the amount of $xxx,xxx.xx. The last payment was made by borrower as per the loan modification agreement which was made on xx/xx/xxxx. | Collections Comments:Available servicing comment and documents in file reveal that loan is in collection.<br> The payment history dated as of xx/xx/xxxx reveals that the borrower is making payment regularly. The payment next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx and it was applied for the due date of xx/xx/xxxx. The current P&I is $x,xxx.xx and rate of interest is x.xx%. The current unpaid principal balance is in the amount of $xxx,xxx.xx. The last payment was made by borrower as per the loan modification agreement which was made on xx/xx/xxxx.<br> Available servicing comment and documents in file reveal that loan is in foreclosure since xxxx. Foreclosure complaint was filed on xx/xx/xxxx with case # xx. According collection comment dated sale was scheduled on xx/xx/xxxx. But sale was canceled due to loan modification. The loan was modified with effective date of xx/xx/xxxx. Currently, borrower is making payment as per this modification agreement.<br> There is no bankruptcy filing found by borrower.<br> According to collection comment, no damages or repairs have been found.<br> Latest BPO report is not available in the loan file.<br>Foreclosure Comments:Available servicing comment and documents in file reveal that loan is in foreclosure since xxxx. Foreclosure complaint was filed on xx/xx/xxxx with case # xx. According collection comment dated sale was scheduled on xx/xx/xxxx. But sale was canceled due to loan modification. The loan was modified with effective date of xx/xx/xxxx. Currently, borrower is making payment as per this modification agreement.<br> Bankruptcy Comments:Not Applicable | Loan modification agreement was made between xx and xx on xx/xx/xxxx with the new modified unpaid principal balance is $xxx,xxx.xx. The interest bearing amount was $xxx,xxx.xx with interest rate x.xx% and the modified P&I was $x,xxx.xx. The first modified payment due date was xx/xx/xxxx and the maturity date will be xx/xx/xxxx. | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> Missing Required Disclosures | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final application is missing from the loan file."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "ComplianceEase risk indicator is Moderate due to loan failed the TILA APR test."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA APR test. Loan data is 0.000%, comparison data is 8.697% and variance is -8.697%."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of Service providers disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing from loan file." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 85548240 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ???.?? | ??/??/???? | Unavailable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 99.216% | 99.216% | Full Documentation | Yes | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 36.014% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | The review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx. <br> Chain of assignment has been completed. Currently, the assignment is from xx.<br> Opportunities xx.<br> There are no active liens and judgments against borrower and subject property.<br> Annual combined taxes have been paid in amount of $xxx.xx.<br> Annual combined taxes have been due in the amount of $xxx.xx having due date xx/xx/xxxx.<br> No delinquent taxes have been found. | According to payment history, the borrower is not delinquent and the next due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx for the amount of $xxx.xx which was applied on xx/xx/xxxx. As per payment history report, the new UPB is $xxx,xxx.xx. Currently the payment was done as per the modification agreement (xx). | Collections Comments:As per the collection comment, foreclosure process was initiated in the loan.<br> It was referred to the attorney on xx/xx/xxxx.<br> Comment dated on xx/xx/xxxx shows that the foreclosure sale was scheduled on xx/xx/xxxx<br> Currently foreclosure process was put on hold due to loss mitigation. <br> No further information is available to understand the current status of foreclosure process.<br> Borrower wants to keep the property. Therefore, he is looking for an affordable plan like modification or forbearance to keep the property as well to make the loan current.<br> Available servicing comment shows that the subject property is owner occupied and is in good condition. No damages have been observed.<br> The reason for default is as follows:<br> The Borrower is unemployed.<br> There is no source of income.<br> According to payment history, the borrower is not delinquent and the next due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx for the amount of $xxx.xx which was applied on xx/xx/xxxx. As per payment history report, the new UPB is $xxx,xxx.xx. Currently the payment was done as per the modification agreement (xx).<br>Foreclosure Comments:As per the collection comment, foreclosure process was initiated in the loan.<br> It was referred to the attorney on xx/xx/xxxx.<br> Comment dated on xx/xx/xxxx shows that the foreclosure sale was scheduled on xx/xx/xxxx<br> Currently foreclosure process was put on hold due to loss mitigation. <br> No further information is available to understand the current status of foreclosure process.<br>Bankruptcy Comments:Not Applicable | According to modification agreement, the loan was modified on xx/xx/xxxx between the borrower and lender. The new principal balance is $xxx,xxx.xx. Borrower promises to pay P&I $xxx.xx with interest rate x.xx % beginning from xx/xx/xxxx. The maturity date as per modification is xx/xx/xxxx. The loan was modified two times since origination. Currently the payment was done as per the modification agreement (Located- xx). | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure is missing from the loan."<br> \* Missing Required Disclosures (Lvl 2) "List of service providers is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "Following state disclosures are missing from the loan file<br> Waiver of Borrowers Rights and Closing Attorney Affidavit (not required by law but provided as a matter of custom)<br> Disclosure of Additional Fees"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of service transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Required affiliated business disclosure is missing from the loan file." |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 55101209 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | Yes | Yes | Not Applicable | First |  | ????.?? | ? | ??/??/???? | xx | No | Loss Mitigation | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | 94.817% | 94.817% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 76.784% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx | xxxxx.xx | x% | xxxx.xx | xx/xx/xxxx | Financial Hardship | According to the updated title report dated xx/xx/xxxx, the subject mortgage was originated xx.<br> The chain of assignment has been completed. Currently, the assignment is from xx which was recorded on xx/xx/xxxx.<br> There are two junior civil judgments against the borrower in the favor of xx. which was recorded on xx/xx/xxxx and xx/xx/xxxx.<br> First and second installments of county taxes of xxxx-xxxx have been paid in the amount of $xxxx.xx and $xxxx.xx.<br> First and second installments of county taxes of xxxx-xxxx have been paid in the amount of $xxxx.xx and $xxxx.xx.<br> First installment county taxes of xxxx-xx have been delinquent in the amount of $x,xxx.xx which was good through date is xx/xx/xxxx.<br> Second installment county taxes of xxxx-xx have been delinquent in the amount of $x,xxx.xx which was good through date is xx/xx/xxxx. | According to the payment history as of xx/xx/xxxx, the borrower is currently making the regular payments and next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx with an interest rate of x.xx%. The new UPB is reflected in the amount of $xxx,xxx.xx. The borrower has been making payments as per the modification agreement which was made on xx/xx/xxxx. | Collections Comments:As per the servicing comment as of xx/xx/xxxx, the loan is currently performing and next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx with an interest rate of x.xx%. The new UPB is reflected in the amount of $xxx,xxx.xx. The borrower has been making payments as per the modification agreement which was made on xx/xx/xxxx.<br> The foreclosure was initiated in xxxx. The file was referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx.The foreclosure sale was scheduled on xx/xx/xxxx. However, the foreclosure was put on hold due to loss mitigation.<br> The borrower xx had filed bankruptcy under chapter x with the case#xx on xx/xx/xxxx. The schedule D of Voluntary Petition shows that the amount of claim without deducting the value of the collateral is $xxx,xxx.xx and the value of the collateral is $xxx,xxx.xx. Therefore, the unsecured portion is $xx,xxx. The debtor was discharged on xx/xx/xxxx and case was terminated on xx/xx/xxxx.<br> According to BPO report (xx) dated xx/xx/xxxx, the subject property needs to be repairs. The amount is not mentioned in the available inspection report. However, we are unable to determine whether the repairs have been completed or not as latest servicing comments do not provide any information regarding the damages and we also don't have any latest BPO to verify the property condition. No details have been found regarding the insurance claim.<br> The subject property occupancy is unable to be determined in the latest servicing comments.<br>Foreclosure Comments:The foreclosure was initiated in xxxx. The file was referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx.The foreclosure sale was scheduled on xx/xx/xxxx. However, the foreclosure was put on hold due to loss mitigation.<br>Bankruptcy Comments:The borrower xx had filed bankruptcy under chapter x with the case#xx on xx/xx/xxxx. The schedule D of Voluntary Petition shows that the amount of claim without deducting the value of the collateral is xx. Therefore, the unsecured portion is $xx,xxx. The debtor was discharged on xx/xx/xxxx and case was terminated on xx/xx/xxxx. | The loan was modified twice since origination. The borrower has been making payments as per the modification agreement which was made on xx/xx/xxxx between the borrower xx and lender "xx. As per the modified terms, the new principal balance is $xxx,xxx.xx. The deferred amount is $xx,xxx.xx and interest bearing amount is $xxx,xxx.xx. The borrower has promised to pay for the amount of $xxxx.xx with an interest rate of x.xx% beginning on xx/xx/xxxx till maturity date xx/xx/xxxx. | Affiliated Business Disclosure<br> Missing Required State Disclosures<br> Mortgage Insurance | xx | 2: Acceptable with Warnings |  |  | \* DTI > 60% (Lvl 2) "As per the final application, the total monthly expenses are $3588.51 and total monthly income is $4,673.52. However, the DTI exceeds 76.784%."<br> \* MI, FHA or MIC missing and required (Lvl 2) "The loan is a FHA loan. However, the MI certificate is required but missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "The list of service provider document is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in Maryland State. The following required state disclosures are missing from the loan file.<br> 1.Affidavit of Consideration<br> 2.Affidavit of Disbursement<br> 3.First Time Buyers Affidavit<br> 4.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure<br> 5.Balloon Payment<br> 6.No Escrow Account<br> 7.Mandatory Binding Arbitration Disclosures<br> 8.Home Buyer Education and Counseling Disclosure"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "The required affiliated business disclosure is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 90304071 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ??.??% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 87.995% | 87.995% | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx | xxxxx.xx | x.xx% | xxxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx. The chain of assignment has been completed. No active judgments or liens have been found pending. Fourth installment of xxxx-xxxx is due in the amount of $xxx.xx. No prior year delinquent taxes have been found. | Review of payment history shows that the borrower is making the payments regularly. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx and that was applied for the due date of xx/xx/xxxx. The next payment is due on xx/xx/xxxx. As per payment history, the current UPB is $xxx,xxx.xx. | Collections Comments:The loan is performing. The borrower is making the payments regularly. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx and that was applied for the due date of xx/xx/xxxx. The next payment is due on xx/xx/xxxx. Loan Modification agreement was made between borrower xx with xx on effective date of xx/xx/xxxx. The borrower had given promise to pay the UPB of $xxx,xxx.xx with interest rate of x.xx% with P&I of $xxxx.xx with fixed amortized type and it was beginning from first payment date on xx/xx/xxxx and ends with the maturity date of xx/xx/xxxx. The borrower had also given the promise to pay the deferred balance in the amount of $xx,xxx.xx on the maturity date on xx/xx/xxxx. No evidence of foreclosure and bankruptcy has been found. As per comment, the borrower intends to keep the subject property. No evidence regarding occupancy & condition of subject property has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Loan Modification agreement was made between borrower xx with xx on effective date of xx/xx/xxxx. The borrower had given promise to pay the UPB of $xxx,xxx.xx with interest rate of x.xx% with P&I of $xxxx.xx with fixed amortized type and it was beginning from first payment date on xx/xx/xxxx and ends with the maturity date of xx/xx/xxxx. The borrower had also given the promise to pay the deferred balance in the amount of $xx,xxx.xx on the maturity date on xx/xx/xxxx. | Credit Application<br> Initial Escrow Acct Disclosure | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final 1003 is missing from the loan file."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "Compliance Ease risk indicator is being failed for TILA Foreclosure Rescission Finance Charge Test.<br>TILA Foreclosure Rescission Finance Charge Test is fail. Loan data is$283,323.63 and comparison data is $283,359.26. Hence, the variance is -$35.63."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA foreclosure rescission finance charge test. <br> The finance charge is $283,359.26. The disclosed finance charge of $283,323.63 is not considered accurate for purposes of<br> rescission because it is understated by more than $35."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial Escrow Acct Disclosure is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service provider is missing from the loan file." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 37565687 | xx | xx |  | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Unavailable | No | Other | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?% | 60 |  | xx | xx |  | Conventional | Fixed |  | Refinance | Unavailable | Unavailable | Unavailable |  |  |  |  | Not Applicable |  | Not Applicable | Single Family | Not Applicable | Unavailable | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.x% | xxxx.x | xx/xx/xxxx | Financial Hardship | As per the updated title report dated xx/xx/xxxx the subject mortgage was originated on xx.<br> The chain of assignment has not been completed. Currently, the assignment is with xx.<br> There is one junior mortgage was originated on xx/xx/xxxx and recorded on xx/xx/xxxx with lender xx. <br> County taxes for the year of xxxx & xxxx have been paid in the amount of $x,xxx.xx.No prior delinquency has been found. | According to the review of payment history as of xx/xx/xxxx, the borrower is current with the payments.<br> The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx.<br> The P&I is in the amount of $xxxx.xx with an interest rate of x.xxx%. The UPB reflected in the amount of $xxx,xxx.xx.<br> The borrower has been making the payments as per the modification made on xx/xx/xxxx. <br>| Collections Comments:According to the review of payment history as of xx/xx/xxxx, the borrower is current with the loan.<br> As per servicing comments dated xx/xx/xxxx, the foreclosure is scheduled for the date xx/xx/xxxx. However, no further comments regarding the foreclosure have been found. <br> No comment has been found regarding the bankruptcy. <br> According to the review of payment history as of xx/xx/xxxx, the borrower is current with the payments.<br> The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx.<br> The P&I is in the amount of $xxxx.xx with an interest rate of x.xxx%. The UPB reflected in the amount of $xxx,xxx.xx.<br> The borrower has been making the payments as per the modification made on xx/xx/xxxx. <br>The loan has been modified since the origination. The loan modification agreement was made between Lender xx and the borrower xx on xx/xx/xxxx. The new principal balance is $xxx,xxx.xx.The new modified rate is x.xxx% and borrower promises to pay P&I in the amount of $xxxx.xx.<br> The payment is beginning on xx/xx/xxxx and the maturity date is xx/xx/xxxx. The modification does not contain balloon payments. Reason for Modification is Financial Hardship.<br>The occupancy is unable to be determined as per servicing comments. No comments have been found regarding the damage or repair. <br>Foreclosure Comments:As per servicing comments dated xx/xx/xxxx the foreclosure is scheduled for the date xx/xx/xxxx.However no further comments regarding the foreclosure has been found. <br> Bankruptcy Comments:Not Applicable | The loan modification agreement was made between Lender xx and the borrower xx on xx/xx/xxxx. The new principal balance is $xxx,xxx.xx.The new modified rate is x.xxx% and borrower promises to pay P&I in the amount of $xxxx.xx.<br> The payment is beginning on xx/xx/xxxx and the maturity date is xx/xx/xxxx. The modification does not contain balloon payments. Reason for Modification is Financial Hardship.  | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Mortgage<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "final HUD-1 along with estimated HUD and Itemization are missing from the loan file." | \* Application Missing (Lvl 2) "Final 1003/Application is missing from the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file."<br> \* Mortgage missing / unexecuted (Lvl 2) "The subject mortgage originated on xx/xx/2002 with the loan amount as $255,000.00 ,however the mortgage recorded on xx/xx/2002 showing the incorrect loan amount as $1,255,000.00."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer document is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business form is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 62312001 | xx | xx |  | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | Yes | Not Applicable | Other |  | ? | ????.?? | ??/??/???? | Unavailable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | ???.?? | Not Applicable | ?.???% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 80.000% | 80.000% | Full Documentation | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable |  | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | The review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx. <br> The chain of assignment has been completed. Currently, the mortgage is with xx, as owner trustee of the xx which was recorded on xx/xx/xxxx. <br> There are three certificates of sale for unpaid municipal liens in the favor of xx which were recorded on xx/xx/xxxx, xx/xx/xxxx & xx/xx/xxxx for the amount of $xxx.xx, $xxx.xx & $xxx.xx respectively.<br> There is a civil Judgment in the favor of xx in the amount of $xxxx.xx which was recorded on xx/xx/xxxx.<br> Property Tax Status;<br> x) xst installment county taxes for the year of xxxx has been paid in the amount of $x,xxx.xx on xx/xx/xxxx.<br> x) xnd installment county taxes for the year of xxxx are due for the amount of $x,xxx.xx till the due date of xx/xx/xxxx. | The review of payment history shows that the borrower is current with the loan and the next due date for the payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx for the due date of xx/xx/xxxx. As per payment history, the current P&I is $xxx.xx, current PITI is $xxxx.xx. The current unpaid principal balance is being reflected in the amount of $xxxxx.xx. The borrower has been making the payments as per the modification agreement. | Collections Comments:The review of the collection comment shows that the loan is being performed and the next due date for the payment is xx/xx/xxxx. The loan modification agreement was made between the borrower xx and the lender xx on xx/xx/xxxx. The loan has been modified once since origination. The review of payment history shows that the borrower is current with the loan and the next due date for the payment is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxxx.xx for the due date of xx/xx/xxxx. As per payment history, the current P&I is $xxx.xx, current PITI is $xxxx.xx. The current unpaid principal balance is being reflected in the amount of $xxxxx.xx. The borrower has been making the payments as per the modification agreement. No information pertaining to bankruptcy has been found. The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. No further details have been found regarding the foreclosure. The reason for the default was an excessive obligation. No damage and repairs have been found.<br> Foreclosure Comments:The foreclosure was initiated and the file was referred to an attorney on xx/xx/xxxx. No further details have been found regarding the foreclosure.<br> Bankruptcy Comments:Not Applicable | The loan modification agreement was made between the borrower xx and the lender xx on xx/xx/xxxx. The modified principal balance is $xxxxxx.xx with a P&I in the amount of $xxx.xx and interest rate of x% beginning from xx/xx/xxxx for xx months with a maturity date of xx/xx/xxxx.$xx,xxx.xx of the new principal balance is deferred which shall be payable at the maturity as a balloon payment. The modification has five steps. The loan has been modified once since origination. | Affiliated Business Disclosure<br> Loan Program Info Disclosure<br> Missing Required Disclosures<br> Missing Required State Disclosures<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed the xx License prohibited fees test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the xxLicense prohibited fees test.<br> The loan does charge fee(s) not provided for in this act, which is prohibited.<br> A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)discount points which may be labeled as an origination fee."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "The loan program disclosure is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "The list of service providers disclosure is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "The subject property is located in the state of New Jersey. The following state disclosures are missing from the loan file. <br> 1. NJ Application Disclosure.<br> 2. Delivery Fee Authorization.<br> 3. NJ Attorney Disclosure.<br> 4. Unacceptability of Insurance Notice.<br> 5. Attorney Disclosure II.<br> 6. Tax Bill Information.<br> 7. Private Well Testing.<br> 8. Lock-In Agreement.<br> 9. Commitment Disclosures.<br> 10. Choice of Insurer Disclosure.<br> 11. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "The Servicing Transfer disclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2) "The operative index value is unable to be determined since the supporting documents are missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "The Affiliated Business disclosure is missing from the loan file." |  | Moderate | Not Covered | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 49618820 | xx | xx |  | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | 100.000% | 100.000% | Unavailable | No | Unavailable | Unavailable | Unavailable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | Updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx.<br> The chain of assignment has not been completed. <br> There is one state tax lien in the amount of $xxx.xx which was recorded on xx/xx/xxxx and filed by xx.<br> County taxes have been paid in the total amount of $xxxx.xx for the year xxxx-xxxx.<br> No delinquent taxes have been located.  | According to the payment history which is starting from xx/xx/xxxx to xx/xx/xxxx, the borrower is current with the loan. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. P&I received in the amount of $xxx.xx. The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx. The borrower has been making payments as per the modification agreement. | Collections Comments:Borrower wants to keep the property. Therefore, he is looking for an affordable plan like modification or forbearance to keep the property as well to make the loan current.<br> Available servicing comment shows that the subject property is owner occupied and is in good condition. No damages have been observed.<br> The reason for default is as follows:<br> The Borrower is unemployed.<br> There is no source of income.<br> According to the payment history which is starting from xx/xx/xxxx to xx/xx/xxxx, the borrower is current with the loan. The last payment was received on xx/xx/xxxx, the payment applied date was xx/xx/xxxx and the next due date for payment is xx/xx/xxxx. P&I received in the amount of $xxx.xx. The UPB reflected as per the payment history is in the amount of $xxx,xxx.xx. The borrower has been making payments as per the modification agreement.<br> No information is available to understand the current status of foreclosure process.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | According to the modification, the loan was modified on xx/xx/xxxx between the borrowers and lender. New modified principal balance as per modification is in the amount of $xxx,xxx.xx with interest rate starting at x.xxx% and the borrower promises to pay P&I in the amount of $xxx.xx beginning from xx/xx/xxxx. The maturity date as per modification is xx/xx/xxxx. | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Loan Program Info Disclosure<br> Missing Required Disclosures<br> Missing Required State Disclosures<br> Mortgage Insurance<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 is missing from the loan file. Also, there is no estimated HUD-1 or itemization available in the loan file." | \* Application Missing (Lvl 2) "Final 1003 is missing in the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from the loan file."<br> \* MI, FHA or MIC missing and required (Lvl 2) "LTV is 90.00% which is greater than 80.000% hence MI certificate is required; however, it is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report at the time of origination is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2) "List of service provides is missing from the loan file"<br> \* Missing Required State Disclosures (Lvl 2) "Following state disclosures are missing from the loan file:<br> IL Collateral Protection Insurance Notice<br> Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of service transfer disclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2) "Operative index value is unable to confirm."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Required affiliated business disclosure is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 96912015 | xx | xx |  | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.188% | 98.188% | Full Documentation | No | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 40.887% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Updated title report as of xx/xx/xxxx shows that the subject mortgage is in first lien position. The subject mortgage was originated on xx.<br>The chain of assignment is not completed as the subject mortgage is currently assigned to "xx."<br>Active junior or senior judgments/liens/mortgages:<br>x. There is an active junior mortgage/Recapture agreement available in the updated title report in the amount of $xx,xxx.xx in favor of xx .<br>x. There is an active junior Notice of Federal Tax Lien available in the updated title report against xx in the amount of $xx,xxx.xxx in favor of "xx" and it was recorded on xx/xx/xxxx.<br>The xst installment of annual County taxes of xxxx have been paid off in the amount of $x,xxx.xx on xx/xx/xxxx and xnd installment of $x,xxx.xx were also paid off on xx/xx/xxxx.<br>No prior year delinquent taxes have been found in the updated title report. | Review of the updated payment history as of xx/xx/xxxx shows that the loan is currently performing well and the next due date for the payment is xx/xx/xxxx. The last regular payment (P&I) was made on xx/xx/xxxx in the amount of $xxx.xx for the due date of xx/xx/xxxx. The UPB has been mentioned in the updated payment history in the amount of $xxx,xxx.xx. The borrower has been making regular payments currently according to the original Note terms. | Collections Comments:The loan is currently performing well and the next due date for the payment is xx/xx/xxxx. The last regular payment (P&I) was made on xx/xx/xxxx in the amount of $xxx.xx for the due date of xx/xx/xxxx. The UPB has been mentioned in the updated payment history in the amount of $xxx,xxx.xx. The borrower has been making regular payments currently according to the original Note terms.<br> he loan is currently performing well and the next due date for the payment is xx/xx/xxxx. The last regular payment (P&I) was made on xx/xx/xxxx in the amount of $xxx.xx for the due date of xx/xx/xxxx. The UPB has been mentioned in the updated payment history in the amount of $xxx,xxx.xx. The borrower has been making regular payments currently according to the original Note terms.<br> The latest exterior BPO (Locator#xx) dated xx/xx/xxxx is available in the loan file which states that the subject property is in good condition and no damagers are reported. The "as is" value of the property is $xxx,xxx.xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Mortgage Insurance<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "CE risk indicator is "Elevated" as this loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (5.714%) is exceeded APOR (5.400%) by 0.314%. The APR threshold is 5.400% and the subject loan is escrowed one.<br>Qualified Mortgage Safe Harbor Threshold: FAIL Charged: 5.714% Allowed: 5.400% Over by: +0.314%"<br> \* Homeowner's Counseling disclosure is missing. (Lvl 2) "Homeownership counseling disclosure is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow Account disclosure is missing from the loan file."<br> \* Initial Truth in Lending Disclosure is Missing (Lvl 2) "Initial TIL is missing from the loan file."<br> \* MI, FHA or MIC missing and required (Lvl 2) "MI certificate is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing Transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated Business Disclosure is missing from the loan file." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 29669339 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Hawaii | xx | xx | xx | Hawaii | xx | xx | No | No | Not Applicable | First |  | ????.? | ????.? | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.?% | 480 |  | xx | xx |  | Conventional | Fixed |  | Purchase | Unavailable | Unavailable | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | Unavailable | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Review of updated title report dated xx/xx/xxxx shows that the subject mortgage was originated on xx'. No assignment of chain has been found. There are no active judgments or liens have been found. Second installment of xxxx combined taxes is delinquent in the amount of $xxxx.xx with the good through date xx/xx/xxxx. | Review of payment history shows that the borrower is not making the payments regularly. The borrower is delinquent for xx days. The last payment received date is not provided. The next payment is due on xx/xx/xxxx. As per payment history, the current UPB is $xxx,xxx.xx. | Collections Comments:The loan is in collections. The borrower is not making the payments regularly. The borrower is delinquent for xx days. The last payment received date is not provided. The next payment is due on xx/xx/xxxx. The loan has never modified since origination. No evidence of bankruptcy and foreclosure has been found. No comments have been found regarding the intention and reason for default of borrower. No evidence of damage or repair on subject property has been found. As per available document located at "xx", the subject property is occupied with no visible damages.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> HUD-x Closing Statement<br> Missing Initial LE<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 4: Unacceptable | \* HUD-1 Closing Statement missing or unsigned (Lvl 4) "Final CD is missing from the loan file. Unable to test CE." | \* Missing Initial LE (Lvl 3) "Initial LE is missing from the loan file. Unable to test CE." | \* Application Missing (Lvl 2) "Final 1003 is missing from the loan file."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2) "Homeownership counseling disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal at origination is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2) "Below state disclosure is missing from the loan file.<br> Reciprocal Beneficiary/ Civil Union Addendum to Uniform Residential Loan Application."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 68785468 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Unavailable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | ????.?? | ?.???% | 240 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 80.000% | 80.000% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 45.374% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/xxxx shows that the mortgage which was dated xx.<br> There are active liens and judgments as follows:<br> x. Civil judgment in the amount of $xx,xxx.xx in the favor of xx which was recorded on xx/xx/xxxx.<br> x. Civil judgment in the amount of $x.xx in the favor of xx which was recorded on xx/xx/xxxx.<br> x. Civil judgment in the amount of $xxx,xxx.xx in the favor of xx which was recorded on xx/xx/xxxx.<br> x. State tax lien in the amount of $xxx.xx in the favor of xx which was recorded on xx/xx/xxxx.<br> The taxes of the xxxx first and second installment are due in the amount of $x,xxx.xx & $x,xxx.xx.<br> No prior delinquent taxes have been found. | Review of the payment history states that the borrower has been delinquent for more than x months. The last payment was received in the amount of $x,xxx.xx which was applied to due date xx/xx/xxxx, and the next due date is xx/xx/xxxx. Current UPB reflects in the amount of $xxx,xxx.xx. | Collections Comments:The loan is currently delinquent for more than x months. The last payment was received in the amount of $x,xxx.xx which was applied to due date xx/xx/xxxx, and the next due date is xx/xx/xxxx. Current UPB reflects in the amount of $xxx,xxx.xx.<br> No bankruptcy activity has been found. The foreclosure was initiated in the loan and was put on hold due to loss mitigation. As per the comments the borrower was approved for three months trail payment plan from xx/xx/xxxx to xx/xx/xxxx with monthly payment of $x,xxx.xx and the first payment received on xx/xx/xxxx. <br> The updated title report states that three civil judgments and one State tax lien found. The taxes of the year xxxx second installment are due. No prior delinquent taxes have been found.<br> The reason for default is borrower was sick and out of work as per the comment dated xx/xx/xxxx. The occupancy is occupied by owner and the property is in good condition as per the comment dated xx/xx/xxxx. No damages have been found.<br>Foreclosure Comments:The foreclosure was initiated in the loan and was put on hold due to loss mitigation. The foreclosure was referred to attorney on xx/xx/xxxx as per the comment dated xx/xx/xxxx.<br> The comment dated xx/xx/xxxx states that the hold end date changed to xx/xx/xxxx. <br> Bankruptcy Comments:Not Applicable | Not Applicable | Notice of Servicing Transfer | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Compliance fails for Charges That Cannot Increase Test: loan data is $63.00, comparison data is $0.00 and variance is +$63.00."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Compliance fails for Qualified Mortgage DTI Threshold Test: loan data is 45.374%, comparison data is 43.00% and variance is +2.374%."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "TRID Violation due to a Lender Credit Decrease on CD dated xx/xx/2017. LE dated xx/xx/2017 reflects a Non-Specific Lender Credit of $482, however, Initial CD dated xx/xx/2017 reflects the Non-Specific Lender Credit at $0.00. This is a Lender Credit decrease of $482 which is considered a Zero Tolerance amount."<br> \* The COC is missing (Lvl 3) "TRID Violation due to a fee addition on Revised CD dated xx/xx/2017. LE dated xx/xx/2017 reflects a Loan Discount Fee of $423, however, Revised CD dated xx/xx/2017 reflects a Loan Discount Fee of $486. This is a fee increase of $63.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees." | \* ComplianceEase TILA Test Failed (Lvl 2) "Compliance fails for TILA Right of Rescission Test.<br> The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Subject loan is a refinance, originated on xx/xx/2017 and the SOL is 3 years expired."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer disclosure to the Borrower(s) on LE dated xx/xx/2017 discloses the loan will not be transferred and the originator will service the loan."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "The subject loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 45.00% as the Borrower income was $3827.60 and total expenses are in the amount of $1736.72 per AUS (L.P) "1217029122_Pham_Credit file-Pg#445"and the loan was underwritten by AUS & AUS recommendation is "Accept"."<br> \* Settlement date is different from note date (Lvl 2) "Updated settlement date as xx/xx/2017 as per the CD which is different from the note date xx/xx/2017." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 87787303 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | Yes | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 93.529% | 93.529% | Full Documentation | No | Unavailable | Unavailable | Unavailable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 603 | Not Applicable | 40.459% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.x | Not Applicable | x.xx% | xxx.xx | xx/xx/xxxx | Financial Hardship | As per review of updated title report dated xx/xx/xxxx the subject mortgage was originated on xx.<br> The chain of the assignment is complete. Latest, the assignment is from xx.<br> As per updated title report, one state tax lien was open and recorded on xx/xxx/xxxx in favor of the xx in the amount of $x,xxx.xx.<br> There are five civil judgment open against the borrower. <br> Two civil judgments were recorded in favor of xx. First was recorded on xx/xx/xxxx prior to the subject mortgage in the amount of $x,xxx.xx and second was recorded on xx/xx/xxxx in the amount of $x,xxx.xx.<br> Two civil judgments were recorded in favor of xx. First was recorded on xx/xx/xxxx in the amount of $x,xxx.xx and second was recorded on xx/xx/xxxx in the amount of $x,xxx.xx.<br> One civil judgment was recorded on xx/xx/xxxx in favor of Platinum Financial Services Corporation in the amount of $x,xxx.xx.<br> xxxx summer City annual and winger County annual tax installments are paid in the amount of $x,xxx.xx with no prior delinquency. | As per review of payment history as of date xx/xx/xxxx shows the borrower is delinquent for x months and he is making payment as per modification. The last payment received on xx/xx/xxxx which was applied to xx/xx/xxxx. The next due date is xx/xx/xxxx. The UPB taken as per payment history is $xx,xxx.xx and current P&I is xxx.xx. | Collections Comments:The loan is currently bankruptcy and due for xx/xx/xxxx payments. The last payment received on xx/xx/xxxx due for xx/xx/xxxx in the amount of $xxx.xx.<br> The reason for default is not provided in collection comment.<br> The loan has been modified since origination. As per modified term, modified principal balance is $xx,xxx.xx. The borrower promises to pay principal and interest in the amount of $xxx.xx from xx/xx/xxxx to a maturity date xx/xx/xxxx.<br> The borrower filed bankruptcy chapter xx case#xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. No foreclosure activity was found.<br> As per review of the loan file, xx death certificate were found. xx was deceased on xx/xx/xxxx located at "xx" and xx was deceased on xx/xx/xxxx located at "xx". After the death of both deed owner, the subject mortgage ownership was shifted to surviving tenant xx.<br> As per collection comment dated xx/xx/xxxx, the major home repair was paid in the amount of $x,xxx.xx for in full. The nature of the damage is roof and basement. As per collection comment dated xx/xx/xxxx, the repair cost was paid in the amount of $x,xxx.xx out of it roof repair was $x,xxx.xx and basement repair was $x,xxx.xx.<br> As per inspection report dated xx/xx/xxxx, the subject property is occupied by the unknown occupant and fair condition. No comment pertaining damage on the property was observed. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower filed bankruptcy chapter xx case#xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. Under confirmed plan debtor supposed to pay the trustee in the amount of $xxx.xx monthly for xx months. Order on the motion to relief from stay was entered on xx/xx/xxxx. The proof of claim was filed on xx/xx/xxxx and the amount of POC is $xx,xxx.xx. | This loan modification agreement was made between lender xx, and the borrower xx on xx/xx/xxxx. As per modified term, modified principal balance is $xx,xxx.xx. The borrower promises to pay principal and interest in the amount of $xxx.xx from xx/xx/xxxx to a maturity date xx/xx/xxxx.<br> There is one prior modification present in the loan file which was made on xx/xx/xxxx. | Mortgage Insurance | xx | 2: Acceptable with Warnings |  |  | \* MI, FHA or MIC missing and required (Lvl 2) "MI certificate is missing in the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 87133942 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ?????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 55.667% | 55.667% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 35.674% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xx% | xxxx.xx | xx/xx/xxxx | Change ARM Terms | As per review of updated title dated xx/xx/xxxx. The subject mortgage was originated with xx.<br> Chain of assignment is complete. Latest assignment is with xx and was recorded on xx/xx/xxxx.<br> There is a junior mortgage in the amount $xxx,xxx.xx in the favor of xx originated on xx/xx/xxxx and was recorded on xx/xx/xxxx.<br> No active liens and judgments were found open against the borrower.<br> xxxx- xx/xx annual town taxes are paid in the amount $xx,xxx.xx. xxxx- xx/xx annual town taxes are paid in the amount $xxxx.xx. No prior years delinquent taxes found. | As per the review of the payment history, the borrower is currently delinquent for more than xxx days and next due is for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied to xx/xx/xxxx. The UPB is reflected in the payment history in the amount of $xxx,xxx.xx. | Collections Comments:The loan is currently in the active bankruptcy and next due is for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $x,xxx.xx which was applied to xx/xx/xxxx. The UPB is reflected in the payment history in the amount of $xxx,xxx.xx.<br> Borrower filed bankruptcy chapter xx case # xx on dated xx/xx/xxxx. The plan was converted from chapter x to chapter xx on xx/xx/xxxx. As per proposed amended chapter xx plan debtor shall pay the trustee $x,xxx for xx months totaling in the amount $xx,xxx. <br> The reason for the default is not stated in the servicing comments. As per the inspection report dated xx/xx/xxxx, the property is occupied by the unknown party. However, as per the comment dated xx/xx/xxxx, the property is owner occupied. No comments pertaining the damage to the property were observed.<br> No foreclosure activity found.<br> The loan was modified on xx/xx/xxxx. As per modified terms, new principal balance is $xxx,xxx.xx. Borrower promises to pay $$x,xxx.xx monthly with modified interest rate of x.xx% beginning from xx/xx/xxxx with ARM amortization till maturity xx/xx/xxxx. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Borrower filed bankruptcy chapter xx case # xx on dated xx/xx/xxxx. The plan was converted from chapter x to chapter xx on xx/xx/xxxx. As per proposed amended chapter xx plan debtor shall pay the trustee $x,xxx for xx months totaling in the amount $xx,xxx. | This is ARM monthly principal and interest payments modification agreement.<br> This modification agreement was made between borrower xx and lender xx on xx/xx/xxxx. As per modified terms, new principal balance is $xxx,xxx.xx. Borrower promises to pay $$x,xxx.xx monthly with modified interest rate of x.xx% beginning from xx/xx/xxxx with ARM amortization till maturity xx/xx/xxxx. |  | xx | 2: Acceptable with Warnings |  |  | \* Operative index value is unable to confirm (Lvl 2) "Operative index value is unable to determine from loan files." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 49197531 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | Yes | Not Applicable | Other | xx | ? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | ???.?? | ?.???% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 80.000% | 80.000% | Full Documentation | No |  | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 30.643% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | Not Applicable | x.xx% | xxx.xx | xx/xx/xxxx | Financial Hardship | As per the review of updated title report dated xx/xx/xxxx, shows the subject mortgage was dated xx.<br> There is senior mortgage prior to the subject mortgage. The Senior lien originated on xx.<br> There is a junior Lien Originated on xx.<br> The chain of the assignment is Complete, The current assignee is xx. Recorded on xx/xx/xxxx. <br> Active judgment or liens found:<br> x) There is a HOA Lien Recorded xx/xx/xxxx in the amount of x,xxx.xx in the favor of xx.<br> Taxes:<br> xxxx Combined taxes for xst installment are paid in the amount of $xxx.xx.<br> xxxx Combined taxes for xnd installment are paid in the amount of $xxx.xx.<br> xxxx Utilities are past due(Under xx days) xx/xx/xxxx in the amount of $xxx.xx.<br> No prior year Delinquent taxes found.xxxx Estimated taxes are yet to be paid in the amount of $x,xxx.xx. | The loan is next due for xx/xx/xxxx payment. The last due date xx/xx/xxxx was paid on xx/xx/xxxx in the amount of $xxx.xx. The current UPB is $xx,xxx.xx and borrower is xx months behind his regular payments. | Collections Comments:As per the servicing comments Loan is currently in Active bankruptcy and FC is on Hold. The reason for default is Curtailment of Income. Foreclosure was referred to attorney on xx/xx/xxxx and complaint was filed on xx/xx/xxxx. Borrower filed chapter xx xx on xx/xx/xxxx and plan was confirmed on xx/xx/xxxx, Motion for relief was filed on xx/xx/xxxx. and POC was filed on xx/xx/xxxx. <br> Per comments dated xx/xx/xxxx the Pre - Petition arrears are in the amount of $xx,xxx.xx to be paid in xx months. As per the comments arrears in the POC are $xx,xxx.xx. As per the bankruptcy plan borrower shall pay to trustee $xxx.xx per month for xx months. The loan was last modified on xx/xx/xxxx with reduced rate of interest from Original rate of x.xxx% to x.xxx% and P&I from $xxx.xx to $xxx.xx. As of xx/xx/xxxx the loan is due for xx/xx/xxxx payment, the last due date xx/xx/xxxx was paid on xx/xx/xxxx in the amount of $xxx.xx, The current UPB is $xx,xxx.xx and borrower is xx months behind his regular payments.<br> The property is owner occupied and no damage noted to the subject property.<br> Foreclosure Comments:Foreclosure has been referred to attorney on xx/xx/xxxx and compliant was filed on xx/xx/xxxx with plaintiff as xx, Currently loan is in active bankruptcy. Borrower filed chapter xx # xx on xx/xx/xxxx and FC went on hold.<br> Bankruptcy Comments:Borrower filed chapter xx # xx on xx/xx/xxxx and plan was confirmed on xx/xx/xxxx. As per the plan borrower shall pay to trustee $xxx.xx per month for xx months. | The modification agreement made on xx/xx/xxxx between borrower (xx) and (Lender) xx.<br> The principal balance amount is $ xx,xxx.xx with payment starting from xx/xx/xxxx till xx/xx/xxxx at x.xx% and P&I of $xxx.xx. |  | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed the xx License prohibited fees test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the xx License prohibited fees test. Loan data is $877.00, allowed is $0.00, hence variance is +$877.00.<br> The loan does charge fee(s) not provided for in this act, which is prohibited.<br> A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2) discount points which may be labeled as an origination fee."<br> \* Final TIL Date after actual transaction date (Lvl 2) "The note is dated xx/xx/2005, application is dated xx/xx/2005, Hud is dated xx/xx/2005 and the TIL is dated as xx/xx/2005 considered the dates provided in the Documents."<br> \* Settlement date is different from note date (Lvl 2) "The original note is dated xx/xx/2005 and the Hud settlement date is xx/xx/2005 and disbursement date is xx/xx/2005, considered as per the document." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 67647045 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ???.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 90.000% | 90.000% | Full Documentation | No |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 56.849% | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.xx | x% | xxx | xx/xx/xxxx | Financial Hardship | As per review of the updated title dated xx/xx/xxxx, the subject mortgage was originated on xx.<br> Chain of the assignment is complete. Currently, the assignment is from xx recorded on xx/xx/xxxx.<br> There are no active judgments and liens found open against the borrower.<br> Combined annual taxes for the year xxxx are paid in the amount of $x,xxx.xx. No prior year delinquent taxes found. | As per review of the payment history, the borrower is currently delinquent for more than xxx days and next due date is xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied to xx/xx/xxxx. UPB reflected in the payment history is $xx,xxx.xx. | Collections Comments:The loan is active bankruptcy and due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx which was applied to xx/xx/xxxx. UPB reflected $xx,xxx.xx. <br> As per servicing comment, the reason for default is an excessive obligation.<br> Forbearance agreement was made on xx/xx/xxxx. As per the plan, there six monthly installments of $xxx.xx each beginning from xx/xx/xxxx till xx/xx/xxxx. <br> The loan has been modified on xx/xx/xxxx. New modified principal balance is $xxx,xxx.xx. Borrower promises to pay $xxx.xx monthly with a modified interest rate x.xx% beginning from xx/xx/xxxx with a maturity date xx/xx/xxxx.<br> No foreclosure activity was found in the loan file.<br> Borrower filed bankruptcy under Chapter xx Case #xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. Under amended chapter xx plan, the debtor shall pay to the trustee in the amount of $x,xxx.xx per month for a plan term of xx months.<br> Occupancy and condition of the subject property are not available in the collection comment. No damage was found the subject property.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Borrower filed bankruptcy under Chapter xx Case #xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. Under amended chapter xx plan, the debtor shall pay to the trustee in the amount of $x,xxx.xx per month for a plan term of xx months. | This modification agreement was made between "Borrower" and "Lender" xx on xx/xx/xxxx.<br> New modified principal balance is $xxx,xxx.xx. There is a deferred balance in the amount of $xx,xxx.xx. Hence, interest-bearing balance is $xx,xxx.xx.<br> As per the balloon addendum to loan modification agreement, the lender agrees to immediately forgive an amount equal to $xxx.xx and also agree to suspend payment in the amount of $xx,xxx.xx which will be due on the maturity date xx/xx/xxxx.<br> Borrower promises to pay $xxx.xx monthly with a modified interest rate x.xx% beginning from xx/xx/xxxx with a maturity date xx/xx/xxxx.<br>|  | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "This loan failed the predatory lending guidance test due to one or more of the following findings:<br> The loan failed the points and fees test.<br>GSE (Freddie Mac public guidelines) Points and Fees Test: FAIL Loan Data $5,870.00 Comparison Data $5,535.00 Variance+$335.00" |  | Elevated | Pass | Pass | No Result | Not Covered | Not Covered | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 92079167 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | Yes | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Loss Mitigation | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | 85.000% | 85.000% | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 534 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxxx.xx | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | As per the review of updated title dated xx/xx/xxxx and subject mortgage is dated xx.<br> There is a mortgage with xx in the amount $xxx,xxx.xx recorded on xx/xx/xxxx.<br> There is a state Tax lien in the amount of $xxx.xx with xx recorded on xx/xx/xxxx.<br> There are x judgments in the total amount of $xxxx.xx with xx.<br> There is a civil judgment of amount of $xx,xxx.xx in the favor of xx recorded on xx/xx/xxxx.<br> xxxx xst installment is paid in the amount of $xxxx.xx. No prior year delinquent taxes are found. | As per the review of payment history, the borrower is delinquent for xxx+days and next due is for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount $xxx.xx for the due date xx/xx/xxxx. The UPB is reflected in the amount $xxx,xxx.xx. The current P&I and PITI is $xxx.xx. | Collections Comments:The loan is currently in active bankruptcy and next due is for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount $xxx.xx for the due date xx/xx/xxxx. The borrower has filed bankruptcy under chapter xx with case #xx and was record dated on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. Foreclosure was initiated and the complaint was filed on xx/xx/xxxx. Furthur action was on hold due to AOM. AOM was requested and borrower was taking loss mitigation efforts and foreclosure went on hold. Later borrower filed bankruptcy. The reason for default is not stated in the collection comments. The borrower is intent to keep the property. The loan was modified once on xx/xx/xxxx and borrower is making his payments as per the mod. As per collection comments, the property is unknown occupied with no repairs noted.<br> Foreclosure Comments:Foreclosure was initiated and the complaint was filed on xx/xx/xxxx. Furthur action was on hold due to AOM. AOM was requested and borrower was taking loss mitigation efforts and foreclosure went on hold. Later borrower filed bankruptcy. <br> Bankruptcy Comments:The borrower has filed bankruptcy under chapter xx with case #xx and was record dated on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. <br> As per chapter xx plan the debtor shall pay to the trustee the sum of $x,xxx.xx per month for xx months for the total payments, during the initial plan term of $xx,xxx.xx. The estimated arrearage to be paid for the collateral is $xx,xxx.xx. <br> As per voluntary petition the amount of secured claim without deducting the value of collateral is $xxx,xxx.xx and the value of collateral of unsecured claim is $xxx,xxx.xx. | Loan Modification agreement was made between borrower xx and lender Morgan xx on effective date xx/xx/xxxx.<br> The borrower agrees to pay the UPB of $xxx,xxx.xx with interest rate of x% with P&I of $xxx.xx with step amortized type beginning from first payment date on xx/xx/xxxx and ends with the maturity date on xx/xx/xxxx.<br> The borrower agrees to pay the amount of $xxx,xxx.xx as deferred balance on the maturity date on xx/xx/xxxx. The UPB that has been amortized is $xxx,xxx.xx as an interest bearing amount.<br>| Credit Application | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final 1003 application is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:<br> Date:<br> Type:Full appraisal | Value:<br> Date:<br> Type:Full appraisal |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 75677009 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ???.?? | ?% | 360 |  | xx | xx |  | FHA | ARM |  | Purchase | 99.902% | 99.902% | Unavailable | Yes | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per review of the updated title report dated on xx/xx/xxxx, the subject mortgage was originated on xx.<br> Chain of the assignment is complete. As per the updated title report, the latest assignment is from xx and was recorded on xx/xx/xxxx.<br> There is foreclosure judgment against the xx in the favor of xx and was recorded on xx/xx/xxxx.<br> There is one IRS Lien against xx recorded on xx/xx/xxxx in favor of the USA in the amount of $xx,xxx.xx.<br> There are six state tax judgments against xx in the favor of Maryland State in the total amount of $xx,xxx.xx.<br> xxxx xst installment of county taxes are paid in the amount of $xxx.xx on xx/xx/xxxx and xxxx xnd installment of county taxes are due in the amount of $xxx.xx on xx/xx/xxxx with no prior year delinquency.  | As per review of the latest payment history, the borrower is currently delinquent for xx months and the next due date is xx/xx/xxxx. The last payment was received in the amount of $x,xxx.xx on xx/xx/xxxx which was applied to xx/xx/xxxx.<br> UPB reflected in the latest payment history is in the amount of $xx,xxx.xx. | Collections Comments:The loan is currently in the bankruptcy and due for xx/xx/xxxx. The last payment was received in the amount of $x,xxx.xx on xx/xx/xxxx which was applied to xx/xx/xxxx. UPB reflected in the latest payment history is in the amount of $xx,xxx.xx.<br> As per the comment dated xx/xx/xxxx, the reason for default is a curtailment of the income.<br> As per comment dated xx/xx/xxxx, foreclosure was initiated and referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx. Bid calculation was completed on xx/xx/xxxx. The service was completed on xx/xx/xxxx. Thereafter, foreclosure was put on hold due to mediation. Mediation was held on xx/xx/xxxx. <br> As per comment dated xx/xx/xxxx, the borrower wanted to keep the property and requesting for the modification. However, due to equity on the property, the borrower had not qualified for the modification.<br> As per comment dated xx/xx/xxxx, the sale was scheduled on xx/xx/xxxx. However, foreclosure was on hold due to borrower filed bankruptcy Chapter xx Case # xx on xx/xx/xxxx. The plan was not confirmed yet. <br> Under proposed chapter xx plan, the debtor shall pay to the trustee in the amount of $xxx.xx for xx Months period for the total amount of $xx,xxx.xx. The proof of claim was filed on xx/xx/xxxx in the amount of $xx,xxx.xx and amount of arrearage is $xx,xxx.xx.<br> The loan has not been modified since origination. The borrower is making payment as per note terms. No recent BPO report was found in the loan file. As per the comment dated xx/xx/xxxx, the property is owner occupied.<br> No damage was found as per the collection comment.<br>Foreclosure Comments:As per comment dated xx/xx/xxxx, foreclosure was initiated and referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx. Bid calculation was completed on xx/xx/xxxx. The service was completed on xx/xx/xxxx. Thereafter, foreclosure was put on hold due mediation. Mediation was held on xx/xx/xxxx. <br> As per comment dated xx/xx/xxxx, the sale was scheduled on xx/xx/xxxx. However, foreclosure was on hold due to borrower filed bankruptcy Chapter xx Case #xx on xx/xx/xxxx. The plan was not confirmed yet. <br>Bankruptcy Comments:Borrower filed bankruptcy Chapter xx Case # xx on xx/xx/xxxx. The plan was not confirmed yet. <br> Under proposed chapter xx plan, the debtor shall pay to the trustee in the amount of $xxx.xx for xx Months period for the total amount of $xx,xxx.xx.<br> The proof of claim was filed on xx/xx/xxxx in the amount of $xx,xxx.xx and amount of arrearage is $xx,xxx.xx. | Not Applicable | Credit Application<br> Final Truth in Lending Discl. | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final loan application along with 1008 transmittal summary is missing in the loan file."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed the TILA APR test and the ARM rate adjustment cap test."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA APR test: loan data is 0.000% comparison data is 3.680% hence variance is -3.680%.<br> Final TIL is missing from loan file, hence APR considered as 0.00%."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL document is missing in the loan file.<br> Per seller confirmation dated xx/xx/2017 this document is not available with them."<br> \* Operative index value is unable to confirm (Lvl 2) "An operative index value is unable to determine from the loan file." |  | Moderate | Not Covered | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 62952637 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ???.?? | ?.?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 77.833% | 77.833% | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | xxxxx.xx | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx shows the subject mortgage was dated xx.<br> The chain of the assignment is complete currently the mortgage with xx dated xx/xx/xxxx.<br> There is a junior mortgage in favor of xx in the amount of $xxxxx dated xx/xx/xxxx found.<br> No active judgment or liens found pending.<br> xxxx summer city annual taxes are paid in the amount $xxxx.xx.<br> xxxx winter county annual taxes are paid in the amount $xxx.xx.<br> No prior year delinquent taxes are found.<br>| Review of payment history shows borrower is delinquent for xxx+ days and next due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount $xxxx.xx for due date xx/xx/xxxx. The UPB is reflected in the amount $xx,xxx.xx till due date xx/xx/xxxx. | Collections Comments:Review of the collection comment shows loan is in active bankruptcy and borrower is next due for xx/xx/xxxx. Comment dated xx/xx/xxxx reflects borrower intention is to keep the property. Per comment dated xx/xx/xxxx the reason for default is excessive obligations. <br> Borrower filed bankruptcy chapter xx case #xx on xx/xx/xxxx and plan confirm on xx/xx/xxxx. As per order modifying chapter xx plan dated xx/xx/xxxx, Debtor's plan payments are increased from $xxx.xx monthly to $xxx.xx monthly, effective March xxxx and Debtor's plan is extended from xx months to xx months. The date of last filing bankruptcy is xx/xx/xxxx. <br> Review of payment history shows borrower is delinquent for xxx+ days and next due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount $xxxx.xx for due date xx/xx/xxxx. The UPB is reflected in the amount $xx,xxx.xx till due date xx/xx/xxxx. The loan modification agreement was made between borrower Terrance Evans and lender Seterus Inc, loan servicer for the lender and MERS Inc on xx/xx/xxxx. There is no post close foreclosure activity found.<br> As per latest BPO report dated xx/xx/xxxx property is occupied by an unknown party and in good condition. No damages reported.<br> Comment dated xx/xx/xxxx reflects property is occupied by an unknown party. Per comment dated xx/xx/xxxx, the hearing to debtor's objection to POC payment change has been adjourned to xx/xx/xxxx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Borrower filed bankruptcy chapter xx case #xx on xx/xx/xxxx and plan confirm on xx/xx/xxxx. As per order modifying chapter xx plan dated xx/xx/xxxx, Debtor's plan payments are increased from $xxx.xx monthly to $xxx.xx monthly,<br> effective March xxxx and Debtor's plan is extended from xx months to xx months. The date of last filing bankruptcy is xx/xx/xxxx. | The loan modification agreement was made between borrower xx, loan servicer for the lender and MERS Inc on xx/xx/xxxx. The modified unpaid principal balance is $xx,xxx.xx with the rate of interest x.xxx% and P&I $xxx.xx. The first payment begins from xx/xx/xxxx till maturity date xx/xx/xxxx. $xxxxx.xx of the new principal balance shall be deferred. There is no provision of balloon payment and it has no modified steps. | Credit Application<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "HUD1 is missing in the loan file. Estimated HUD1 and itemization also not found in the file." | \* Application Missing (Lvl 2) "Final 1003 is missing in the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing in the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing in the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing in the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 61490645 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | Second |  | ? | ? | ??/??/???? | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ???.? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 80.000% | 80.000% | Full Documentation | No |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | 24.546% | First | Preliminary title policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.x | Not Applicable | x.xx% | xxx.xx | xx/xx/xxxx | Financial Hardship | The review of the updated title report shows that the subject mortgage is with xx.<br> There is a Claim for gas against xx in the amount of $xxx.xx recorded on xx/xx/xxxx , hence the subject mortgage position is second. The subject property is situated in Pennsylvania which is a super lien state, so there is a possibility of foreclosure.<br> There are x judgments against xx in the total amount of $x,xxx.xx with Commonwealth of Pennsylvania <br> There is another utility lien in the amount of $x,xxx.xx which is not yet recorded in county office.<br> The tax details are not available in the updated title report. | The review of the payment history shows that the borrower is not making regular payments and loan is xx months delinquent. The details of the last payment are not available in the payment history. The UPB as per history is $xx,xxx.xx. | Collections Comments:The review of the payment history shows that the borrower is not making regular payments and loan is xx months delinquent. The details of the last payment are not available in the payment history. The UPB as per history is $xx,xxx.xx.<br> The modification agreement was done between xx (borrower) and xx (lender) on xx/xx/xxxx.<br> The borrower has filed bankruptcy under chapter xx, case# xx on xx/xx/xxxx. The last date of filing is xx/xx/xxxx.<br> As per ProTitleUSA updated title report, there is a Claim for gas against xx in the amount of $xxx.xx recorded on xx/xx/xxxx , hence the subject mortgage position is second. The subject property is situated in Pennsylvania which is a super lien state, so there is a possibility of foreclosure.<br>Foreclosure Comments:The file was ref fred to attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx. Service was completed on xx/xx/xxxx. The judgment was entered on xx/xx/xxxx. The foreclosure is on hold due to bankruptcy. <br> Bankruptcy Comments:The borrower has filed bankruptcy under chapter xx, case#xx on xx/xx/xxxx. The last date of filing is xx/xx/xxxx. | The modification agreement was done between xx(borrower) and xx (lender) on xx/xx/xxxx. The new principal balance is $xx,xxx.xx, P&I $xxx.xx and rate x.xxx %. Payments begins on xx/xx/xxxx till maturity date of xx/xx/xxxx. | Credit Report | xx | 2: Acceptable with Warnings |  |  | \* Missing credit report (Lvl 2) "Credit report is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:<br> Date:<br> Type:BPO | Value:<br> Date:<br> Type:Field review |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 21782867 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | No | xx | ????.?? | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | 80.588% | 80.588% | Full Documentation | No |  | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 717 | 724 | 44.245% | Second | Final policy | xxxxx | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x% | xxxx.xx | xx/xx/xxxx | Financial Hardship | Review of the Updated title report dated xx/xx/xxxx shows the Subject mortgage was originated on xx.<br> Chain of the assignment is incomplete. Currently, the assignment of mortgage is with xx.<br> One active lien found against the borrower in favor of xx for the amount of $xxxxx.xx and was recorded on xx/xx/xxxx.<br> County taxes for the year xxxx-xx, xst installment is paid in the amount of $xxxx.xx each.<br> Taxes are not mentioned in updated title.<br> No prior years delinquent taxes found. | Review of the payment history shows that the borrower is delinquent for more than xxx days and is next due for xx/xx/xxxx. The last payment date is not mentioned in payment history. The current UPB reflects in the amount of $xxx,xxx.xx and the current p&I is $x,xxx.xx. | Collections Comments:Review of the servicing comments shows the loan is in collections and is next due for xx/xx/xxxx. The last payment date is not mentioned in payment history. The current UPB reflects in the amount of $xxx,xxx.xx and the current p&I is $x,xxx.xx.<br> The borrower is making payment as per modification agreement made on xx/xx/xxxx.<br> The reason for default as per comments is a curtailment of income.<br> No foreclosure activity was noted in comments history<br> Motion for Relief was referred to an attorney on xx/xx/xxxx.<br> As per latest BPO report dated xx/xx/xxxx, the subject property is occupied by an unknown party and is in good condition. No damages or repair to subject property were noted.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Borrower filed bankruptcy under chapter xx case #xx on xx/xx/xxxx and the case was discharged on xx/xx/xxxx. | This modification agreement was made on xx/xx/xxxx between the borrower and lender xx.<br> As per the modified terms, the borrower promises to pay the new UPB in the amount of $xxx,xxx.xx at a step interest rate starting with x% and P&I of $xxxx.xx. The payment begins on xx/xx/xxxx and the maturity date is xx/xx/xxxx.<br> The modification is further taken into x steps. | Document Showing a Index Numerical Value | xx | 2: Acceptable with Warnings |  |  | \* Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) "The Operative Index value is not available from the loan files."<br> \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) "As per ROR, transaction date is xx/xx/2007 which is not aligned with the note date xx/xx/2007 and also as per HUD-1." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 90903334 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.? | ??/??/???? | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | ? | No | xx | ???.?? | ????.?? | ?.???% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 55.714% | 55.714% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | 26.199% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xxx% | xxx.xx | xx/xx/xxxx | Financial Hardship | Updated title report as of xx/xx/xxxx shows subject mortgage lien position is first and subject mortgage was xx.<br> Chain of assignment is complete as the subject mortgage is currently with current assignee, xx.<br>x. There is an active Judgment in the amount of $x,xxx.xx in favor of xx and was recorded on xx/xx/xxxx.<br> x. There is an active Judgment in the amount of $x,xxx.xx in favor of xx and was recorded on xx/xx/xxxx.<br> x. There is an active Judgment in the amount of $xxx.xx in favor of xx and was recorded on xx/xx/xxxx.<br> xxxx year annual taxes of $x,xxx.xx were paid off and no prior years delinquent taxes found. | Review of updated payment history shows, the subject loan is delinquent for +xxx days and borrower is currently not on his regular monthly payments. The last payment was received in the amount of $x,xxx.xx on xx/xx/xxxx for the due date of xx/xx/xxxx & the next due date is xx/xx/xxxx. The unpaid principal balance as of the date is $xxx,xxx.xx. Borrower is currently making payments according to the Loan modification agreement dated xx/xx/xxxx. | Collections Comments:Review of updated payment history shows, the subject loan is delinquent for +xxx days and borrower is currently not on his regular monthly payments. The last payment was received in the amount of $x,xxx.xx on xx/xx/xxxx for the due date of xx/xx/xxxx & the next due date is xx/xx/xxxx. The unpaid principal balance as of the date is $xxx,xxx.xx. Borrower is currently making payments according to the Loan modification agreement dated xx/xx/xxxx.<br> Modification agreement made between (borrower)xx and (Lender) xx effective from xx/xx/xxxx. As per MOD UPB is $xxx,xxx.xx. Borrower agree to pay P&I $xxx.xx with interest rate x.xxx% from xx/xx/xxxx till maturity date xx/xx/xxxx.<br> There are no evidences found that poove a foreclosure proceedings on the subject loan.<br> Borrower filed Bankruptcy under chapter-xx with the case # xx on xx/xx/xxxx and plan was confirmed on xx/xx/xxxx.<br> As per commented on xx/xx/xxxx, the subject property was vacant by inspecting it however, per latest BPO [Locator:xx] dated xx/xx/xxxx, the subject property is occupied by owner party and is in average condition.<br> Reason for default is curtailment of income of borrower.<br> As per amended chapter-xx plan, debtor shall pay $xxx.xx per month for x months and $x,xxx.xx per month for xx months to trustee for a total term of xx months.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Borrower filed Bankruptcy under chapter-xx with the case # xx on xx/xx/xxxx and plan was confirmed on xx/xx/xxxx.<br> As per amended chapter-xx plan, debtor shall pay $xxx.xx per month for x months and $x,xxx.xx per month for xx months to trustee for a total term of xx months. | Modification agreement made between (borrower)xx and (Lender)xx effective from xx/xx/xxxx. As per MOD UPB is $xxx,xxx.xx. Borrower agree to pay P&I $xxx.xx with interest rate x.xxx% from xx/xx/xxxx till maturity date xx/xx/xxxx. |  | xx | 1: Acceptable |  |  |  |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 90104340 | xx | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Unavailable | Yes | Bankruptcy | Chapter 13 | xx | ? | No | xx | Not Applicable | ????.?? | ??.?% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 85.000% | 85.000% | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Preliminary title policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx | Not Applicable | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title Report dated xx/xx/xxxx shows the subject mortgage was dated xx.<br> There are x state tax lien or warrant against xx totaling in the amount of $x,xxx.xx, recorded on xx/xx/xxxx, xx/xx/xxxx, xx/xx/xxxx.<br> There is a civil judgment in the amount of $xx,xxx.xx with xx.<br> As per updated title taxes for the year of xxxx the taxes are paid.<br> There is no prior years delinquent taxes found. | The review of the available payment history shows that the borrower is not making regular payments and the loan is xx months delinquent. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx for the due date of xx/xx/xxxx. The next due date is xx/xx/xxxx. The UPB as per payment history is $xxx,xxx.xx. | Collections Comments:The review of the available payment history shows that the borrower is not making regular payments and the loan is xx months delinquent. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx for the due date of xx/xx/xxxx.<br> Foreclosure Comments:The foreclosure complaint was filed on xx/xx/xxxx. Notice of sale was received from sheriff on xx/xx/xxxx. The delay reason is court delay. As per comment dated xx/xx/xxxx max bid allowed under judgment is $xxx,xxx.xx. The foreclosure is on hold because the borrower has filed bankruptcy on xx/xx/xxxx.<br>Bankruptcy Comments: Borrower has filed bankruptcy under Chapter xx, case # xx on xx/xx/xxxx and plan was confirmed on xx/xx/xxxx. As per chapter xx plan debtor shall pay to the trustee in the amount of $xxxx.xx per months for a period of xx months. The motion for relief has not been filed. | This loan modification was done on x/x/xxxxx between xx (Borrower) and xx. (Lender). The amortization type is fixed and new unpaid Principal balance is $xxx,xxx and modification original rate is x.xxx % and Monthly P&I is $xxx.xx. The modification payment start date is xx/xx/xxxx and new maturity date is xx/xx/xxxx. | Credit Application<br> Final Truth in Lending Discl.<br> Origination Appraisal | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "The final 1003 is missing from the loan file."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "Risk indicator is Moderate because This loan failed the TILA APR test.<br>TIL is missing from the loan file, hence APR is updated as 0% to test compliance."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4))<br> The annual percentage rate (APR) is 11.246%. The disclosed APR of 0.000% is not considered accurate because it is more than<br> 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br>TIL is missing from the loan file, hence APR is updated as 0% to test compliance."<br> \* Final TIL Missing or Not Executed (Lvl 2) "TIL is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal is missing from the loan file." |  | Moderate | Pass | Fail | No Result | Not Covered | Not Covered | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 83901685 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | Yes | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | Not Applicable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ???.? | ?% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 96.939% | 96.939% | Full Documentation | No | Unavailable | Unavailable | Unavailable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 27.918% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxx.xx | Not Applicable | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx shows the subject mortgage was dated xx.<br> The chain of the assignment is completed currently the mortgage with xx. dated xx/xx/xxxx.<br> An active judgment or liens found pending.<br> x) There is State Tax Lien in the amount of $xx,xxx.xx in favor of State of Texas, recorded on xx/xx/xxxx and $xxx,xxx.xx in favor of State of Texas, recorded on xx/xx/xxxx found.<br> x) There is IRS Lien in the amount of $xx,xxx.xx in favor of Department of the Treasury - Internal Revenue Service recorded on xx/xx/xxxx.<br> xxxx county taxes are paid in the amount $xxxx.xx. No prior year delinquent taxes are found. xxxx estimated taxes are due. | Review of payment history shows borrower is delinquent for more than xxx+ days and next due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount $xxx.xx for due date xx/xx/xxxx. The UPB is reflected in the amount $xx,xxx.xx till due date xx/xx/xxxx.  | Collections Comments:Review of the collection comment shows the loan is in active bankruptcy and borrower is next due for xx/xx/xxxx. Borrower filed bankruptcy chapter xx case #xx on xx/xx/xxxx and date of the last filing is xx/xx/xxxx. Review of the servicing comment shows foreclosure was initiated and referred to an attorney on xx/xx/xxxx and complaint filed on xx/xx/xxxx. Comment dated xx/xx/xxxx reflects foreclosure sale date was scheduled on xx/xx/xxxx. Comment dated xx/xx/xxxx indicates foreclosure was put on hold due to borrower filed bankruptcy chapter xx (case #xx) on xx/xx/xxxx. Review of payment history shows borrower is delinquent for more than xxx+ days and next due for xx/xx/xxxx. The last payment was received on xx/xx/xxxx in the amount $xxx.xx for due date xx/xx/xxxx. The UPB is reflected in the amount $xx,xxx.xx till due date xx/xx/xxxx. The Loan Modification Agreement was made on xx/xx/xxxx between borrower Marco A Valdez, Guadalupe Valdez, and Lender Wells Fargo Home Mortgage. Comment dated xx/xx/xxxx reflects the reason for default is a curtailment of income. The subject property is owner occupied.<br> Foreclosure Comments:Review of the servicing comment shows foreclosure was initiated and referred to an attorney on xx/xx/xxxx and complaint filed on xx/xx/xxxx. Comment dated xx/xx/xxxx reflects foreclosure sale date was scheduled on xx/xx/xxxx. Comment dated xx/xx/xxxx indicates foreclosure was put on hold due to borrower filed bankruptcy chapter xx (case #xx) on xx/xx/xxxx.<br> Bankruptcy Comments:Borrower filed bankruptcy chapter xx case #xx on xx/xx/xxxx and date of the last filing is xx/xx/xxxx. | The Loan Modification Agreement was made on xx/xx/xxxx between borrower xx, and Lender xx. Borrower promises to make a monthly payment of $xxx.xx with the rate of interest is x.x% beginning on xx/xx/xxxx till maturity date xx/xx/xxxx. The New Principal Balance stated in the MOD is $xx,xxx.xx. There is no provision for balloon payment and it has no modification steps. | Mortgage Insurance | xx | 2: Acceptable with Warnings |  |  | \* MI, FHA or MIC missing and required (Lvl 2) "MI certificate is missing in the loan file."<br> \* Settlement date is different from note date (Lvl 2) "Settlement date as per final HUD1 is xx/xx/1996. However, Original Note date is xx/xx/1996." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 64491980 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ???.?? | ?.??% | 300 |  | xx | xx |  | Conventional | Fixed |  | Purchase | Unavailable | Unavailable | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | Unavailable | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | Not Applicable | x.xx% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx shows the subject mortgage was dated xx. <br> The chain of the assignment is complete. Currently, the mortgage is with xx. Recorded on xx/xx/xxxx. <br> There is Federal Tax Lien recorded on xx/xx/xxxx in favor of xx for the amount of $xx,xxx.xx. <br> A State Tax Lien recorded on xx/xx/xxxx in favor of Commissioner of Taxation and Finance for the amount of $xxx.xx. <br> xxxx annual taxes are paid in the amount of $xxxx.xx.<br> xxxx School taxes are paid in the amount of $xxxx.xx. <br> No prior years delinquent taxes found. | As per the review history, the borrower is xxx + delinquent. The last payment received on xx/xx/xxxx was reversed therefore the borrower is still due for xx/xx/xxxx. Current UPB is $$xxx,xxx.xx. Current P&I is $xxx.xx. | Collections Comments:Current legal status of the loan is in active bankruptcy and due for xx/xx/xxxx. Foreclosure was initiated. The file was referred to an attorney on xx/xx/xxxx. However, FC was put on hold due to borrower filed BK. The borrower has filed bankruptcy on xx/xx/xxxx, under chapter-xx with case# xx. Current BK status is a petition filed.<br> As per the review history, the borrower is xxx + delinquent. The last payment received on xx/xx/xxxx was reversed therefore the borrower is still due for xx/xx/xxxx. Current UPB is $$xxx,xxx.xx. Current P&I is $xxx.xx.<br> RFD due to excessive obligations. The borrower had lost his job. <br> The last loan modification was done on xx/xx/xxxx. The borrower is making payments as per modified terms. <br> As per comments, subject property is owner occupied. No damages or repairs noted. <br>Foreclosure Comments:Available servicing comment and documents in file reveals foreclosure was initialed in loan by referring to FCL on x/xxxxxx. The lis pendens filed on xx/xx/xxxx. In between FC process delayed due to loss mitigation efforts. Due to filing of bankruptcy by borrower on xx/xx/xxxx FC process currently went on hold. No further details available.<br> Bankruptcy Comments:The borrower has filed bankruptcy on xx/xx/xxxx, under chapter-xx with case# xx. Current BK status is petition filed. <br> Prior BK was filed on xx/xx/xxxx under chapter xx, with case# xx. The case was dismissed for failure to make olan payments. | This loan modification was done on xx/xx/xxxx between the xx (Borrower) and xx. (Lender). The amortization type is fixed and new unpaid Principal balance is $xxx,xxx.xx and modification original rate is x.xxxx % and Monthly P&I is $xxx.xx. The modification payment start date is xx/xx/xxxx and new maturity date is xx/xx/xxxx. | Credit Application<br> Final Truth in Lending Discl.<br> HUD-x Closing Statement<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final Hud-1 is missing in the loan file. Estimated Hud or Itemization also not found in the loan file."<br> \* Incorrect Property address on Note Document. (Lvl 3) "Subject Property address mentioned on Note and Warranty Deed is, " xx". <br> However, Subject Property address mentioned on Mortgage, Modification Agreement, Final TPOL, U.Title report is, "xx". <br> Legal Description mentioned on Warranty Deed and Mortgage, TPOL is Same."<br> \* Lost Note Affidavit (Lvl 3) "A Lost Note Affidavit found in loan file at (xx) which stated that original Note has been lost." | \* Application Missing (Lvl 2) "Final 1003 is missing in the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIl is missing in loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing in the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |
| 19201935 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | No | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | Yes | Bankruptcy | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ????.?? | ?.??% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 100.000% | Full Documentation | No |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 38.872% | First | Final policy | Not Applicable | xxxxx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Review of the Updated title report dated xx/xx/xxxx shows the Subject mortgage was originated on xx. The Chain of the assignment is incomplete. Currently, the last assignment was done from xx was recorded on xx/xx/xxxx. Missing assignment to xx. there is one state tax lien found open against xx in favor of xx for the amount of $xxxx recorded on xx/xx/xxxx. xxxx first and second installment taxes are paid totaling in the amount of $x,xxx.xx. <br> No prior years delinquent taxes found. | Review of the payment history as of date xx/xx/xxxx shows that, the borrower is current with the loan and next due for xx/xx/xxxx. The last payment was received in the amount of $x,xxx.xx on xx/xx/xxxx which is applied on xx/xx/xxxx due date. The current UPB is reflecting in the amount of $xxx,xxx.xx. | Collections Comments:Review of collection comment shows that the borrower is performing and is next due for xx/xx/xxxx.<br> The reason for default per collection comments is a curtailment of income.<br> The foreclosure review was completed and filed was referred to an attorney on xx/xx/xxxx. Comment dated xx/xx/xxxx the complaint was filed on xx/xx/xxxx. The judgment was scheduled on xx/xx/xxxx. The judgment hearing was set for xx/xx/xxxx. The prior sale was scheduled on xx/xx/xxxx.<br> However, the sale was postponed due to borrower filed bankruptcy chapterxx on xx/xx/xxxx.<br> Comment dated xx/xx/xxxx, there is a dispute over payment. However, it was resolved on xx/xx/xxxx.<br> Comment dated xx/xx/xxxx, the servicer advised only short sale or DIL to the borrower.<br> Comment dated xx/xx/xxxx, the trial modification completed. The loss mitigation denied due to the borrower can't afford the property. The borrower Dorothy is unemployed right now and her sister is willing to contribute $xxxx.xx. The loan has not been modified since origination. The borrower is making payment as per original note with interest rate of x.xx% and P&I of $x,xxx.xx.<br> As per the hardship dated xx/xx/xxxx, the borrower stating that she moved to the property with her sister in xxxx and her sister also helping her with all expenses and mortgage payment.<br> As per the hardship letter dated xx/xx/xxxx, the borrower stating that she is behind to make a payment due to medical problems. The value of the property is dropped and the borrower owing more on her mortgage.<br> The borrower filed bankruptcy under chapter xx with case #xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. Under confirmed chapterxx plan, the debtor shall pay to the trustee $x,xxx.xx monthly for xx months for the total term of $xx,xxx.xx. The motion for relief was filed on xx/xx/xxxx. The case was discharged on xx/xx/xxxx and terminated on xx/xx/xxxx.<br> Comment dated xx/xx/xxxx, the POC was paid in full and the loan is currently due for xx/xx/xxxx.<br> Review of the payment history as of date xx/xx/xxxx shows that the borrower is current with the loan and next due for xx/xx/xxxx. The last payment was received in the amount of $x,xxx.xx.<br> Comment dated xx/xx/xxxx, the subject property is vacant. There is no latest BPO report and no comments found to determine the occupancy of the subject property.<br> Foreclosure Comments:The foreclosure review was completed and filed was referred to an attorney on xx/xx/xxxx. Comment dated xx/xx/xxxx the complaint was filed on xx/xx/xxxx. The service was completed on xx/xx/xxxx. The judgment was scheduled on xx/xx/xxxx. The judgment hearing was set for xx/xx/xxxx. The prior sale was scheduled on xx/xx/xxxx.<br> However, the sale was postponed due to borrower filed bankruptcy chapterxx on xx/xx/xxxx.<br> Bankruptcy Comments:The borrower filed bankruptcy under chapter xx with case #xx on xx/xx/xxxx. The plan was confirmed on xx/xx/xxxx. Under confirmed chapterxx plan, the debtor shall pay to the trustee $x,xxx.xx monthly for xx months for the total term of $xx,xxx.xx. The motion for relief was filed on xx/xx/xxxx. The case was discharged on xx/xx/xxxx and terminated on xx/xx/xxxx. | Not Applicable |  | xx | 1: Acceptable |  |  |  |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 30694972 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | Yes | Yes | Not Applicable | First |  | ? | ????.?? | ??/??/???? | xx | No | Loss Mitigation | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | ???.?? | ?.??% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 99.114% | 99.114% | Unavailable | No | xx | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 585 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxxx.xx | x% | xxx.xx | xx/xx/xxxx | Financial Hardship | Review of updated title report dated xx/xx/xxxx shows the subject mortgage was dated xxx. <br> The chain of the assignment is complete. The latest assignment was done from xx.recorded on xx/xx/xxxx.<br> No active judgments or liens found pending. <br> xxxx Taxes are paid. No prior years delinquent taxes found.<br>| As per payment history as of date xx/xx/xxxx, the loan is delinquent for more than xxx days and next due for xx/xx/xxxx payment. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx. The current unpaid principal balance is reflecting in the amount of $xx,xxx.xx.  | Collections Comments:Current legal status of the loan is in active bankruptcy and due for xx/xx/xxxx payment. Foreclosure was initiated. The file was referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx. Judgment was entered on xx/xx/xxxx. Service Completed on xx/xx/xxxx. However, FC was put on hold due to loss mitigation. No further details of FC noted.<br> Borrower filed bankruptcy under chapter xx Case #xx on xx/xx/xxxx and Plan was confirmed on xx/xx/xxxx. As per plan debtor supposed to pay the sum of $xxx per month for xx months. <br> Payment history shows, the loan is delinquent for more than xxx days. The last payment was received on xx/xx/xxxx in the amount of $xxx.xx. The current unpaid principal balance is reflecting in the amount of $xx,xxx.xx. <br> RFD due to House was under repairs and excessive obligations. <br> The loan was modified for x times since origination. The last modification was done on xx/xx/xxxx. <br> The borrower is making payments as per last modified terms. <br> Current occupancy status unable to determine. The property had fire damages in xxxx. Comments show property had a loss due to fire on xx/xx/xxxx. The home was burned down. Actual damages details not provided. <br> An insurance claim has been filed on xx/xx/xxxx to xx with Claim # xx. A Cheque # xx received in the amount of $xxx,xxx.xx. Another Cheque # xx received in the amount of $xxxxx on x/xx/xxx. Comments also reflecting advance cheque in the amount of $xxx,xxx.xx sent on xx/xx/xxxx. The cheque was received on xx/xx/xxxx. The property was under repairs. No further details of repairs completed found. <br> Property inspection report completed on xx/xx/xxxx shows, the property may be vacant but does not look abandoned. However, borrower called and said she is still living in the property. <br> The latest property inspection report is not available. <br>Foreclosure Comments:Foreclosure was initiated. The file was referred to an attorney on xx/xx/xxxx. The complaint was filed on xx/xx/xxxx. Judgment was entered on xx/xx/xxxx. Service Completed on xx/xx/xxxx. However, FC was put on hold due to loss mitigation. No further details of FC noted.<br>Bankruptcy Comments:Borrower filed bankruptcy under chapter xx Case #xx on xx/xx/xxxx and Plan was confirmed on xx/xx/xxxx. As per paln debtor supposed to pay sum of $xxx per month for xx months. <br> POC was filed on xx/xx/xxxx with amount of claim $xxx,xxx.xx and the arrearage amount is reflecting in the amount of $xxxx.xx. MFR was filed on xx/xx/xxxx.<br>| The loan modification agreement was made between xx(borrower) and xx., on xx/xx/xxxx. As per the agreement, the new Modified UPB is $xx,xxx.xx and there is a deferred balance of $xxx,xxx.xx which is payable later. The interest bearing amount is $xx,xxx.xx. The interest rate will begin to accrue on the Interest bearing amount.<br> The first modified payment will be due on xx/xx/xxxx in the amount of $xxx.xx at the fixed interest rate of x.xx%. <br> The loan was modified x times before the current modification.  | Credit Application<br> Mortgage Insurance | xx | 3: Curable |  | \* MI, FHA or MIC missing and required (Lvl 3) "This is a FHA loan. MI certificate is required however, MI Certificate is missing from the loan file." | \* Application Missing (Lvl 2) "The Final Loan Application is missing in loan file, however initial application is available dated xx/xx/2007." |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |
| 82042435 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | Yes | Not Applicable | Other | xx | ? | ????.?? | ??/??/???? | xx | No | Bankruptcy | Chapter 13 | xx | ? | No | xx | Not Applicable | ????.?? | ?.???% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 72.289% | 72.289% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 52.282% | First | Final policy | Not Applicable | Not Applicable | xx/xx/xxxx | xxxxxx.xx | xxxxx.x | x% | xxxx.x | xx/xx/xxxx | Financial Hardship | The subject mortgage is in other lien position. As per updated title report there is HOA Lien /COA Lien against the property as below:- x) HOA Lien /COA Lien against the property in the amount of $xxxx.xx for the favor of xx which is recorded on xx/xx/xxxx. x) HOA Lien /COA Lien against the property in the amount of $xxxxx.xx for the favor of xx which is recorded on xx/xx/xxxx. x) Assessment HOA Lien/ COA Lien against the borrower in the amount of $xxxx.xx for the favor of xx which is recorded on xx/xx/xxxx. x) HOA Foreclosure notice for the favor of xx in the amount of $xxxxx.xx which is recorded on xx/xx/xxxx. As per updated title report there is HOA Lien / COA Lien found against the borrower in the amount of $xxxx.xx for the favor of xx which is recorded on xx/xx/xxxx. As per updated title report there is xx junior civil judgment found against the borrower in the amount of $xxxxxx.xx. As updated title report taxes for the year of xxxx was paid in the amount of $xxx and abatement taxes for the year of xxxx was paid in the amount of $xxxx.xx and county taxes for the year of xxxxxst installment was paid in the amount of $xxx.xx. There is no prior years delinquent taxes found . | As per the review of payment history, the borrower is xxx+ day delinquent. The last payment was received on xx/xx/xxxx which was applied to xx/xx/xxxx payment in the amount $x,xxx.xx. The next due date is xx/xx/xxxx. The payment was received as per modification agreement. As per payment history current UPB is $xxx,xxx.xx. | Collections Comments:Loan is currently in active Bankruptcy, Borrower has filed bankruptcy under Chapter xx, case # xx on xx/xx/xxxx and plan was confirmed on xx/xx/xxxx. As per chapter xx plan debtor shall pay to the trustee in the amount of $xxx.xx per months for the xx months. As per voluntary petition loan has to determined unsecured debt in the amount of $xxxxx.xx. <br> Available servicing comment and documents in file reveals foreclosure was initialed in loan by filing compliant x/xx/xxxxby attorney. In between FC process delayed due to loss mitigation efforts and prior bankruptcy filings. Due to filing of bankruptcy by borrower on xx/xx/xxxx FC process currently went on hold. No further details available.<br> As per the review of payment history, the borrower is xxx+ day delinquent. The last payment was received on xx/xx/xxxx which was applied to xx/xx/xxxx payment in the amount $x,xxx.xx. The next due date is xx/xx/xxxx. The payment was received as per modification agreement. As per payment history current UPB is $xxx,xxx.xx.<br> As per servicing comment subject property is occupant by borrower and good condition. <br> Foreclosure Comments:Available servicing comment and documents in file reveals foreclosure was initialed in loan by filing compliant x/xx/xxxxby attorney. In between FC process delayed due to loss mitigation efforts and prior bankruptcy filings. Due to filing of bankruptcy by borrower on xx/xx/xxxx FC process currently went on hold. No further details available.<br> Bankruptcy Comments:Borrower has filed bankruptcy under Chapter xx, case # xx on xx/xx/xxxx and plan was confirmed on xx/xx/xxxx. As per chaper xx plan debtor shall pay to the trustee in the amount of $xxx.xx per months for the xx months. As per voluntary petition loan has to determined unsecured debt in the amount of $xxxxx.xx. | This loan modification was done on xx/xx/xxxx between xx(Borrower) and xx, Inc. (Lender). The amortization type is fixed and new unpaid Principal balance is $xxx,xxx.xx and lender defer in the amount of $xx,xxx.xxwhich was paid on maturity date. As per modification agreement interest bearing amount is $xxx,xxx.xx and modification original rate is x.xxx %and Monthly P&I is $x,xxx.xx. The modification payment start date is xx/xx/xxxx and new maturity date is xx/xx/xxxx. |  | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "This loan failed the TILA finance charge test.<br> This loan failed the TILA foreclosure rescission finance charge test.<br> This loan failed the TILA right of rescission test"<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA finance charge test.<br> The finance charge is $79,044.31. The disclosed finance charge of $78,635.58 is not considered accurate because it is understated by more than $100.<br> Loan data is $78635.58 which is comparision with $79044.31 and variance is $408.73<br> This loan failed the TILA foreclosure rescission finance charge test.<br> The finance charge is $79,044.31. The disclosed finance charge of $78,635.58 is not considered accurate for purposes of rescission because it is understated by more than $35.<br> This loan failed the TILA right of rescission test.<br> The funding date is before the third business day following consummation.<br> The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last."<br> \* TIL not hand dated (Lvl 2) "TIL is not hand dated by the borrower." |  | Moderate | Pass | Fail | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redacted ID** | **Loan Number 1** | **Loan Number 2** | **Borrower Last Name** | **Exception ID** | **Client** | **Project** | **Pool** | **Fund** | **Loan Review Status** | **Property State** | **Original Loan Amount** | **Finding Category** | **Finding Sub-Category** | **FindingStatus** | **Finding Grade** | **Finding Description** | **Finding Comment** | **Lender Response** | **Lender Status** |
| 80036044 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | Monthly income and debts are updated as per final application. |  |  |
| 80036044 | xx | xx | xx | 40732d41-ff63-42f7-90be-34db1148c008 | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) | Operative index numerical value not available based on lender doc. |  |  |
| 80036044 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | Monthly income and debts are updated as per final application. |  |  |
| 42531345 | xx | xx | xx | 6d175d99-f2e3-4d75-80a0-682f8b85b1ea | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Truth in Lending Disclosure is Missing (Lvl 2) | Initial TIL is missing in the loan file. |  |  |
| 42531345 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing in the loan file. |  |  |
| 42531345 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | Final GFE is missing in the loan file. |  |  |
| 42531345 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing in the loan file. |  |  |
| 42531345 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing in the loan file. |  |  |
| 42531345 | xx | xx | xx | e99b279c-a3fe-4039-91dc-3f33c0f684d9 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Good Faith Estimate is Missing (Lvl 2) | Initial GFE is missing in the loan file. |  |  |
| 42531345 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | An illegible copy of HUD-x available in the loan file located at "xx". |  |  |
| 36790294 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 36790294 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TILA finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$x,xxx.xx. Reason for finance charge under disclosure is unknown as the fee itemization is missing. <br>TRID total of payment disclosed on final CD as $x,xxx,xxx.xx. Calculated total of payments is $x,xxx,xxx.xx for an under disclosed amount of -$x,xxx.xx. Reason for the disclosed total of payments of $x,xxx,xxx.xx is not considered accurate because it is understated by more than $xxx. Subject loan is a refinance, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 36790294 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | This loan failed the amortization test as the loan has a date creditor received application after January xx, xxxx, the loan is not fully amortizing, and the loan contains an interest-only feature. |  |  |
| 36790294 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the points and fees charged of $xx,xxx.xx exceed the QM-ATR threshold of x% after the loan was modified with UPB of $xx. Further details not provided. Infinity compliance results do not fail the QM points and fees test. |  |  |
| 36790294 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance policy is missing from the loan documents. |  |  |
| 7066522 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of $x,xxx.xx. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is refinance case, originated on xx/xx/xxxx and the SOL is x years.<br>TRID total of payment disclosed on final CD as $xxx,xxx.xx. Calculated total of payments is $xxx,xxx.xx for an under disclosed amount of $x,xxx.xx. Reason for the disclosed total of payments of $xxx,xxx.xx is not considered accurate because it is understated by more than $xxx. Subject loan is refinance case, originated on xx/xx/xxxx and the SOL is x years.<br>Subject loan is a refinance, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 7066522 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 7066522 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed GSE (Fannie Mae Public Guidelines) amortization test due to the loan contains an interest-only feature.<br>Loan failed qualified mortgage interest only test due to this loan is an interest only loan. |  |  |
| 7066522 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report in the loan file is subject to completion per plans and specifications. The subject loan is construction to permanent, and a xxxxD report is available, but minor touch-up items are still needed, including hanging the interior doors and doing some minor touch-up paint. The cost to cure is not available. Final CD reflect escrow holdback in the amount of $xxx,xxx.xx. |  |  |
| 7066522 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the points and fees charged of $x,xxx.xx exceed the QM-ATR threshold of x% after the loan was modified with UPB of $xx. Further details not provided. Infinity compliance results do not fail the QM points and fees test. |  |  |
| 96685179 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 96685179 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject was approved at xx%. Tape shows income miscalculation. The revised DTI is xx%. Lender defect. Further details were not provided. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a quality assurance coordinator at xx, FICO xxx, xXxx since inception, $xxK equity in the subject, and $x,xxx residual income. |  |  |
| 73009595 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | Home is affixed. <br> As per appraisal report, the subject property is manufactured home. Affixation affidavit is available at xx which states property is permanently affixed to the land and VIN/Serial# is xx. |  |  |
| 73009595 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan lost AUS approval as a result of updating property type as a manufactured home. The DU report available in the file shows property type incorrectly submitted as SFR. FNMA would not allow a manual UW, nor would they allow a principal reduction to bring down LTV to receive an approve/eligible. Further details were not provided. |  |  |
| 73009595 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Final transmittal summary is missing from the loan documents. |  |  |
| 73009595 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | The home loan toolkit is missing from the loan documents. |  |  |
| 73009595 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 73009595 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed compliance ease delivery and timing test for initial loan estimate dated xx/xx/xxxx and hand-signed on xx/xx/xxxx of which is greater than x days from the initial application date xx/xx/xxxx. Unable to determine delivery date due to missing document tracker. TRID is failing for timing of initial LE. The subject loan is a purchase case, originated on xx/xx/xxxx, and the SOL is x year. |  |  |
| 73009595 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test and charges that in total cannot increase more than xx% tolerance test due to loan failed initial LE estimate delivery and timing test. Initial LE dated xx/xx/xxxx delivered on xx/xx/xxxx which is more than x business days from initial application date xx/xx/xxxx. The subject loan is a purchase case, originated on xx/xx/xxxx, and the SOL is x year. |  |  |
| 37045662 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing from the loan documents. |  |  |
| 37045662 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows lender failed to obtain supporting documents for receipt of child support income and omission of mortgage debt on departure REO property. Revised DTI is xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is expired. BWR has x years on the job as an xx at xx, FICO xxx, $xxK equity in the subject, and $x,xxx residual income. |  |  |
| 37045662 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 63989573 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$x,xxx.xx. <br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $xx,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx. |  |  |
| 63989573 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU (Locator# xx) and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| 63989573 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan fails qualified mortgage lending policy points and fees test due to fees charged $xx,xxx.xx fees threshold $xx,xxx.xx over by +$x,xxx.xx.<br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $xx,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx. |  |  |
| 63989573 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 63989573 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows the lender failed to establish the BWRs income stability and BWR misrepresented debts. The revised DTI is xx%. Further details are not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is expired. BWRx has x.xx years on the job as a xx at xx; BWRx has x.xx years on the job as an xx, FICO xxx, and $xxxK equity in the subject." |  |  |
| 47236285 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | Mortgage insurance certificate is missing from loan documents. |  |  |
| 47236285 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 47236285 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of $xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/xxxx and the x-year SOL is expired. |  |  |
| 47236285 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows lender used non occupant BWRx income to qualify and failed to document credit report for BWRx. The revised DTI is xx.xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is expired. BWRx has xx.xx years on the job as a xx; BWRx receives retirement income, FICO xxx, xXxx since inception, and $xxxK equity in the subject. |  |  |
| 47236285 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 8869494 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. As per appraisal report located atxx the subject property is a manufactured home. The VIN/serial number is available in the manufactured home rider which is located at xx. |  |  |
| 8869494 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan closed with an LTV of xx% is uninsurable as the appraised value of $xx is less than the sales price of $xx. Further details were not provided. Realtor.com search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 8869494 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from loan documents. |  |  |
| 8869494 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. <br> Loan estimate dated xx/xx/xxxx reflect Points - Loan Discount Fee $x,xxx.xx. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee $x,xxx.xx<br> Loan estimate dated xx/xx/xxxx does not reflect Appraisal Re-Inspection Fee. Final CD dated xx/xx/xxxxreflects Appraisal Re-Inspection Fee at +$xxx.xx.<br> This is a cumulative increase in fee of $xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is Purchase case, originated on xx/xx/xxxx and the x year SOL is expired. |  |  |
| 8869494 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 8869494 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 42468031 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 42468031 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on CD dated xx/xx/xxxx. Initial CD dated xx/xx/xxxx reflects lender credit at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects lender credit at $xxx.xx. This is a decrease of $xx.xx for fee which has x% tolerance test. A valid COC for the decrease in NSLC is missing from the loan documents. The subject loan is purchase case, originated on xx/xx/xxxx, and the x-year SOL has expired. |  |  |
| 42468031 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows income and asset misrepresentation. File shows $xx assets; cash to close required $xx. Revised DTI is xx%. Further details were not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is expired. BWR has x months on the job as a xx, FICO xxx, and $xxk equity in the subject. |  |  |
| 99800375 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Valid proof of hazard insurance doc is missing from loan file. |  |  |
| 99800375 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Loan failed qualified mortgage lending policy points and fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx.<br> The below fees were included in the test:<br> Lender Fee paid by Borrower: $x,xxx.xx<br> Mortgage Broker Fee paid by Borrower: $x,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx. |  |  |
| 99800375 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx.<br> The below fees were included in the test:<br> Lender Fee paid by Borrower: $x,xxx.xx<br> Mortgage Broker Fee paid by Borrower: $x,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx. |  |  |
| 99800375 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the BWR did not complete homeownership counseling prior to closing. Further details not provided. |  |  |
| 99800375 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Transmittal summary is missing from the loan documents. |  |  |
| 99800375 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the photo addendum reflects some repairs at for chipping paint in the pan of the primary bath shower, a hole in stucco at the rear, trim at the front and rear, and wear/age is showing on the entry door and trim. The appraisal report does not reflect the cost of completing the work. xxxxD report is missing from the loan documents. Also, the final CD does not reflect any holdbacks. |  |  |
| 99800375 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 90923872 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 90923872 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | As per the document tracker located at xx, the initial CD dated xx/xx/xxxx is missing from the loan documents. |  |  |
| 90923872 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete due to initial CD is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/xxxx and the x-year SOL is active. |  |  |
| 90923872 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | AUS | Active | 3: Curable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) | LP report is missing from the loan documents. |  |  |
| 90923872 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows loan fail QM eligibility requirements. Mavent report in file shows points and fees charged at closing exceeded QM points and fees threshold. The lender provided post-consumption CD with lender credit of $x,xxx.xx as cure for QM points and fees test failure. Further details not provided. |  |  |
| 50808189 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | ComplianceEase TRID tolerance test is incomplete due to the initial LE missing from the loan documents. |  |  |
| 50808189 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | Tape shows supporting documents for complete details on the special assessment of $xM approved for the condo project and litigation judgment in favor of HOA referred in the CondoAnalytics report are missing from the loan documents. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 50808189 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. The tape shows SE income miscalculation as BWR's pension income reported on K-x was not verified by business tax returns. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR receives SSI and retirement income, FICO xxx, xXxx since inception, and $xxxK equity in the subject. |  |  |
| 50808189 | xx | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial LE (Lvl 3) | Document tracker located at xx reflects initial LE was sent on xx/xx/xxxx. Initial LE is missing from the loan documents. |  |  |
| 50808189 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 41513455 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. The subject loan originated on xx/xx/xxxx, and the x-year TILA SOL is active.<br>Subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 41513455 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan is uninsured by the VA as the BWR does not have any entitlement remaining. Further details not provided. |  |  |
| 41513455 | xx | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial LE (Lvl 3) | Initial loan estimate is missing from the loan documents. |  |  |
| 41513455 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | Compliance ease TRID tolerance test is incomplete due to initial loan estimate is missing from the loan documents. |  |  |
| 41513455 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 89140020 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan is uninsured. Further details were not provided. |  |  |
| 89140020 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the Pennsylvania license validation test. |  |  |
| 89140020 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from loan documents. |  |  |
| 23020572 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 23020572 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is subject to repairs for missing water heater dual seismic straps that need to be installed. Estimated cost to cure is $xxx.xx. The xxxxD/Completion report is missing from the loan documents, and the final CD does not reflect escrow holdback. |  |  |
| 23020572 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject loan was approved at xx%. Tape shows rental income miscalculation. Revised DTI is xx%. BWRx has x.xx years on the job as a xx, FICO xxx, $xxK equity in the subject, xXxx since inception and $x,xxx residual income. |  |  |
| 23020572 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed compliance ease delivery and timing test for revised closing disclosure dated xx/xx/xxxx. Document tracker is missing, and x business days were added to get the receipt date xx/xx/xxxx, which is after the consummation date xx/xx/xxxx. |  |  |
| 84591906 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 84591906 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the terms of the subordinate financing loan are missing from the loan package. The subject loan closed with a subordinate financing loan of $xx and note, mortgage with loan terms, and final CD of the subordinate loan is available in the loan package. Further details not provided. |  |  |
| 84591906 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows that the appraiser failed to provide sufficient analysis and market data to support that the appraisal sales were in competitive neighborhoods. The comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x, with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 33261579 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Transmittal summary at the time of closing is missing from the loan documents. |  |  |
| 33261579 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 33261579 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows the subject condo is a non-warrantable project. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 16869309 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 16869309 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final xxxx is missing from the loan file. |  |  |
| 16869309 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report at the time of origination of the loan is missing from the loan file. |  |  |
| 16869309 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x and an estimated HUD-x/Fee itemization are not available from the file. |  |  |
| 3363862 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final xxxx is missing from the loan file. |  |  |
| 3363862 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-x (Settlement Statement) is missing from the loan file however, the estimated HUD-x or fee itemization not found in the loan file. |  |  |
| 3363862 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 3363862 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 13803860 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report at the time of origination of the loan is missing from the loan file. |  |  |
| 13803860 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 13803860 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final xxxx is missing from the loan file. |  |  |
| 13803860 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x and an estimated HUD-x/Fee itemization are not available from the file. |  |  |
| 81191707 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows Fannie Mae did not agree with the use of comparables. Appraisal report shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Realtor.com search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 45892773 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the CD dated xx/xx/xxxx reflecting a change in the loan product from ARM to fixed rate, and the change in APR was not delivered x business days prior to the consummation date. Infinity compliance report fails delivery and timing test due to APR disclosed was inaccurate and requires a new x-day waiting period to be satisfied prior to the consummation date. Further details not provided. |  |  |
| 45892773 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| 45892773 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 14371676 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 14371676 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows rental income miscalculation as the lender considered rental income from departure REO based on the lease agreement, and the REO was listed for rent shortly after closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x months on the job as president/CEO at xx, FICO xxx, and $xx equity in the subject. |  |  |
| 96069572 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows lender used BWR departing residence lease in DTI calculations. BWR listed prior residence for sale prior to closing. <br> Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x months on the job as an xx and x.x prior years with Accenture, FICO xxx, xXxx since inception, and $xxK equity in the subject. |  |  |
| 96069572 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 70682549 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is NOO and was approved at xx%. Tape shows BWR was qualified based on a new employment offer and never started the new job. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR started the new job on xx/xx/xxxx as a xx, FICO xxx, xXxx since inception, and $xx equity in the subject. |  |  |
| 79125576 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 79125576 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows BWRx did not return to work from leave. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has been SE for x.xx years at Fekadu xx; BWRx has x.x years on the job as an xx, FICO xxx, xXxx since inception, and $xxxK equity in the subject. |  |  |
| 79125576 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x-year SOL is active. |  |  |
| 79125576 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 71008660 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 71008660 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWRx was not employed prior to closing. The revised DTI is xx%. Further details not provided. BWR defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx BWRx has x.xx years on the job as a xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. |  |  |
| 52188812 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows a gift by donor who is BWR's spouse is not acceptable on NOO loan as the gift donor is not included as co buyer on the purchase agreement. Bank statement in file shows gift deposit of $xxxK supported with gift letter. |  |  |
| 15109141 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows rental income from ADU of subject property is not supported by agency guideline. Further details not provided. Lender defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has xx.xx years on the job as a xx, BWRx has x year on the job as a xx, FICO xxx, and $xxK equity in the subject. |  |  |
| 15109141 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 6868872 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 6868872 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows BWR listed the subject property for sale after closing. Review treating as NOO causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been SE for xx.xx years as a xx, the BWR receives SSI income, FICO xxx, xXxx since inception, and $xxxK equity in the subject. |  |  |
| 6868872 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows BWR listed the subject property for sale after closing. Review treating as NOO. Further details not provided. Elevated for client review. |  |  |
| 6184699 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by borrower is missing from the loan documents. |  |  |
| 6184699 | xx | xx | xx | 249ccfc8-8061-4638-a74f-933a4ad40fc5 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Credit | Legal Docs | Active | 4: Unacceptable | \* Loan has escrow holdback. No proof it was released (Lvl 4) | Final CD reflects escrow holdback in the amount of $xx,xxx. Proof for release of escrow holdback is missing from the loan documents. |  |  |
| 6184699 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape and appraisal report show subject to repairs for all interior walls and ceilings, the exterior roof, a hole in the kitchen wall, and the septic system that needs to be installed. xxxxD is missing from the loan documents. The final CD reflects the escrow holdback in the amount of $xx,xxx. |  |  |
| 6184699 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 6184699 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test and charges that in total cannot increase more than xx% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/xxxx delivered on xx/xx/xxxx which is more than x business days from initial application date xx/xx/xxxx.<br>This loan failed the TRID Rate Lock Disclosure Delivery Date Test. <br>The subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 32087966 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows lender was unable to verify occupancy. Review is treating as NOO causing lender to omit BWR primary housing expense. <br> Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x months on the job as a xx. BWRx has x.xx years on the job as a xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. |  |  |
| 32087966 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 32087966 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows unable to verify occupancy. Review treating as NOO. Further details not provided. Elevated for client review. |  |  |
| 99016557 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows undisclosed debt, and the revised DTI is xx%. BWR defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is expired. BWR receives retirement income, FICO xxx, xXxx since inception, and $xxK equity in the subject. |  |  |
| 99016557 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Compliance failing for state regulations. PA license validation test. In the state of PA, lender is licensed under state ID#xx as per NMLS web site. |  |  |
| 99016557 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement services provider list is missing from loan documents. |  |  |
| 99016557 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $x,xxx.xx and total expenses are in the amount of $xxx.xx and the loan was underwritten by LP (Locator# xx) and its recommendation is Accept with a DTI of xx%. |  |  |
| 99016557 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 99016557 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 61593178 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows BWR listed the subject property for sale the day after closing. Review treating as NOO. Further details not provided. Elevated for client review. |  |  |
| 61593178 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows BWR listed the subject property for sale the day after closing. Review treating as NOO causing lender to xx. Further details not provided. BWR defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has been SE for x.xx years at xx; BWRx started the new job on xx/xx/xxxx as a xx. FICO xxx, xXxx since inception, and $xxK equity in the subject. |  |  |
| 83890119 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $x,xxx.xx. This is a cumulative increase of $xx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. |  |  |
| 83890119 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 83890119 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement services provider list is missing from loan documents. |  |  |
| 83890119 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 83890119 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape reflects an increased DTI of xx%. Further details were not provided. The subject loan originated on xx/xx/xxxx, and the x-year SOL is expired. BWR has been SE for xx.xx years at xx BWR x has xx.xx years on the job as a xx, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. |  |  |
| 83890119 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows appraisal report has deficiencies, and the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. Further details not provided. |  |  |
| 83890119 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 64507511 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges than in total cannot increase more than xx% tolerance test. Initial CD dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $xxx.xx. Final CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $xxx.xx. This is a cumulative increase of $xx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents.<br> Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. |  |  |
| 64507511 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 64507511 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 64507511 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan closed with an LTV of xx% that exceeds the LTV threshold of Freddie Mac for manufactured homes. Further details not provided. |  |  |
| 64507511 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. As per appraisal report located at xx the subject property is a manufactured home. The affidavit of affixation document available in loan files at xx reflects that the home is affixed permanently to the land. The serial number is xx. |  |  |
| 79161369 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. Reason for finance charge under disclosure is unknown as the fee itemization is missing. The subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL is expired. |  |  |
| 79161369 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 79161369 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU (Locator#xx) and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| 79161369 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the subject loan failed the QM points and fees test. Further details not provided. Infinity compliance result shows the loan failed QM points and fees test. |  |  |
| 79161369 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$x,xxx.xx. <br> The below fees were included in the test:<br> Document Preparation Fee paid by Borrower: $xxx.xx <br> Mortgage Insurance Premium paid by Borrower: $xx,xxx.xx <br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx <br> Processing Fee paid by Borrower: $xxx.xx <br> Tax Monitoring Service Fee paid by Borrower: $xx.xx <br> Underwriting Fee paid by Borrower: $xxx.xx. |  |  |
| 79161369 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails qualified mortgage lending policy points and fees test due to fees charged $xx,xxx.xx fees threshold $xx,xxx.xx over by +$x,xxx.xx.<br> The below fees were included in the test:<br> Document Preparation Fee paid by Borrower: $xxx.xx <br> Mortgage Insurance Premium paid by Borrower: $xx,xxx.xx <br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx <br> Processing Fee paid by Borrower: $xxx.xx <br> Tax Monitoring Service Fee paid by Borrower: $xx.xx <br> Underwriting Fee paid by Borrower: $xxx.xx. |  |  |
| 55246385 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 55246385 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/xxxx. LE dated xx/xx/xxxx reflects Lender Credit at $xxx.xx, Final CD dated xx/xx/xxxx reflects Lender Credit at $xxx.xx. This is decrease of $xx.xx for fee which has x% tolerance test. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. |  |  |
| 55246385 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from the loan document. |  |  |
| 55246385 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows appraisal report has deficiencies, and the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. Further details not provided. |  |  |
| 48021088 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the subject loan failed the QM and HPML test. Further details not provided. Infinity compliance result shows that the loan failed QM safe harbor and HPML tests. |  |  |
| 48021088 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed GSE (Fannie Mae public guidelines) QM APR test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%.<br>Loan failed qualified mortgage APR threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. |  |  |
| 48021088 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 48021088 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d).<br>Loan failed the MA xxx CMR xx.xx higher-priced mortgage loan test (MA xxx CMR xx.xx) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. |  |  |
| 48021088 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed qualified mortgage safe harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. Subject loan is escrowed. |  |  |
| 48021088 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU (Locator# xx) and its recommendation is approve/eligible with a DTI of xx%. |  |  |
| 86355997 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan documents. |  |  |
| 86355997 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows appraisal report has deficiencies, and the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. Further details not provided. |  |  |
| 32100677 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | ComplianceEase TRID tolerance test is incomplete due to the initial LE missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and x-year SOL has expired. |  |  |
| 32100677 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is purchase case, originated on xx/xx/xxxx and the x year SOL is expired. |  |  |
| 32100677 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx. The loan was underwritten by DU (Locator#xx) and its recommendation is approve/eligible with a DTI of xx%. |  |  |
| 32100677 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$xxx.xx. <br> The below fees were included in the test:<br> Mortgage Insurance Premium $x,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Processing Fee paid by Borrower: $xxx.xx<br> Underwriting Fee paid by Borrower: $xxx.xx |  |  |
| 32100677 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report in the loan file is as-is. Photo addendum of the appraisal report shows the basement has missing false ceiling blocks and noted water stains and dampness and unsecured steps at the enclosed porch. The estimated cost to cure is not available in the loan file. xxxxD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 32100677 | xx | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial LE (Lvl 3) | Initial loan estimate is missing from the loan documents. |  |  |
| 32100677 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails QM lending policy points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$xxx.xx. <br> The below fees were included in the test:<br> Mortgage Insurance Premium $x,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Processing Fee paid by Borrower: $xxx.xx<br> Underwriting Fee paid by Borrower: $xxx.xx |  |  |
| 32100677 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows tax returns are missing, and the lender omitted debt without supporting documents. Further details not provided. Lender defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been SE for x.xx years at xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. |  |  |
| 32100677 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 32100677 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from the loan documents. |  |  |
| 32100677 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | List of service providers disclosure is missing from the loan documents. |  |  |
| 81492744 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows undisclosed debt with a monthly payment of $xxx and there were paystub inconsistencies. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x months on the job as an xx, has been xx for x.xx years at xx, and receives SSI income, FICO xxx, $xxK equity in the subject, and $x,xxx residual income." |  |  |
| 80231632 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows a loan incorrectly reported to FNMA as a PIF. As per tape, the loan is performing. Further details not provided. According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The next due date is xx/xx/xxxx. |  |  |
| 80231632 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement service providers disclosure is missing from the loan documents. |  |  |
| 80231632 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | Intent to proceed is missing from the loan documents. |  |  |
| 80231632 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL has expired. |  |  |
| 80231632 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a)(x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. |  |  |
| 80231632 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 80231632 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx does not reflect Appraisal Re-Inspection Fee. Final CD dated xx/xx/xxxx reflects Appraisal Re-Inspection Fee at $xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL has expired.<br>Loan failed charges that in total cannot increase more than xx% tolerance test due to LE dated xx/xx/xxxx, which reflects the sum of Section C fees and Recording fee at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $x,xxx.xx. This is a cumulative increase of +$xxx.xx for charges that in total cannot increase more than xx% test. Valid COC for the increase in fee is not available. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL has expired. |  |  |
| 15042960 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows income used for qualifying has exceeded the xx loan program guidelines. Further details not provided. |  |  |
| 15042960 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 15042960 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as-is. The photo addendum of the subject shows the fascia board, and the shed requires painting. The estimated cost to cure is not available in the loan file. xxxxD is missing from the loan documents, and the final CD does not reflect any escrow holdback amount. |  |  |
| 69382893 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows income was not properly documented and debts were not paid off at closing. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.xx years on the job as an xx; BWRx has x.xx years on the job as an xx, FICO xxx, xXxx since inception, $xxxK equity in the subject, and $xxx residual income.<br>Downgrade to LVLx based on PH. |  |  |
| 69382893 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 87432226 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 87432226 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape appraisal report shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Redfin search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 75166833 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 75166833 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect points - loan discount fee. Final CD dated xx/xx/xxxx reflects points - loan discount fee at $xxx.xx. This is an increase in fee of $xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL is expired. |  |  |
| 75166833 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 75166833 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 27203434 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx. Loan closed as manual underwriting. |  |  |
| 27203434 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 27203434 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. The tape shows borrower income documentation is not acceptable by lender. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL will expire on xx/xx/xxxx. BWR has x months on the job as xx. BWR has had multiple jobs in the past, FICO xxx, xXxx in the last xx months, and $xx equity in the subject. |  |  |
| 23356581 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $x,xxx.xx. This is a cumulative increase of $xxx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the x year SOL has expired. |  |  |
| 23356581 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. As per appraisal report located at xx the subject property is a manufactured home. The affidavit of affixation document available in loan files at xx reflects that the home is affixed permanently to the land. The serial# xx. |  |  |
| 23356581 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a purchase, originated on xx/xx/xxxx and the x year SOL has expired. |  |  |
| 23356581 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows TRID violation due to LE issued after initial CD was issued. Further details not provided. |  |  |
| 23356581 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement service provider list is missing from the loan documents. |  |  |
| 12922378 | xx | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing flood cert (Lvl 2) | Flood certification document is missing from the loan documents. |  |  |
| 12922378 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | Compliance ease TRID tolerance test is incomplete due to Initial CD is missing from loan documents. Subject loan is refinance case, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 12922378 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 12922378 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. |  |  |
| 12922378 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape shows incorrect appraisal was ordered. The lender documented an exterior-only inspection report with an appraised value of $xx. The appraisal report with the interior and exterior inspection of the property is missing from the loan file. |  |  |
| 60506044 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows loan is uninsurable due to multiple case numbers. The subject loan closed with case #xx. Further details not provided. |  |  |
| 60506044 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial closing disclosure is missing from the loan documents. |  |  |
| 60506044 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 60506044 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 60506044 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | The TRID tolerance test is incomplete as the initial CD is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the SOL is x year. |  |  |
| 40907398 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by the borrower. |  |  |
| 94608144 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 94608144 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU (Locator#xx) and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| 94608144 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows PMI was cancelled due to nonpayment. Further details not provided. |  |  |
| 14474555 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The appraisal report reflects as-is conditions. The improvement section shows a roof leak over the rear foyer. Estimated cost to cure is $xxx.xx. The updated xxxxD/completion report is missing from the loan documents, and the final HUD-x does not reflect the escrow holdback amount. |  |  |
| 14474555 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows no inspection before closing. An appraisal report with an appraised value of $xx is available in the loan file. Further details not provided. |  |  |
| 91389706 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete as the initial CD is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x-year SOL is expired. |  |  |
| 91389706 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| 91389706 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | The initial closing disclosure is missing from the loan documents. |  |  |
| 91389706 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows loan is uninsured by FHA. Further details not provided. |  |  |
| 27514862 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The Pennsylvania HB xxxx requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective xx. |  |  |
| 27514862 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete due to initial CD is missing from the loan documents. |  |  |
| 27514862 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 27514862 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial CD is missing from the loan documents. |  |  |
| 27514862 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | FHA MI certificate is missing from the loan documents. |  |  |
| 27514862 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan is uninsurable by FHA due to CU. Further details not provided. |  |  |
| 33396894 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property is Manufactured Housing (Lvl 3) | The home is affixed to the land. As per the appraisal report dated xx/xx/xxxx located at xx, the subject property is a single family. The updated title report dated xx/xx/xxxx shows the subject property is a manufactured home. The affidavit of affixation document is available in loan files located at xx, reflecting that the home is affixed permanently to the land. The VIN/serial number mentioned on the affidavit is redacted. Downgraded to LVLx based on overall affidavit. |  |  |
| 33396894 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The appraisal report was subject to completion, and xxxxD confirms that the subject property has been completed. Review of Realtor.com and the other sites shows land only with an estimated value of $xx. Current UPB $xx.<br>Tape shows subject loan does not meet seasoning period requirement for cash-out refinance. Further details not provided. |  |  |
| 20657382 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 20657382 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by LP (Locator# xx) and its recommendation is Accept with a DTI of xx%. |  |  |
| 20657382 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 20657382 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows BWRx commission income miscalculation as the BWR does not have a x-year history of receiving commission income, and BWRx has student loan debt omitted from the DTI calculation. The revised DTI is xx%. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, and BWRx has x year on the job as a xx, FICO xxx, $xxxK equity in the subject.<br>SOL expired; downgraded to LVLx. |  |  |
| 20657382 | xx | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing flood cert (Lvl 3) | Flood certificate is missing from the loan documents. |  |  |
| 20657382 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 39714037 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows undisclosed debt opened prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is expired. BWR has x.xx years on the job as an xx, FICO xxx, and $xxxK equity in the subject. |  |  |
| 39714037 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 68629084 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows lender did not update VOE as BWR switched jobs prior to closing. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, and $xxxK equity in the subject. |  |  |
| 68629084 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 68629084 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by LP (Locator# xx) and its recommendation is Accept with a DTI of xx%. |  |  |
| 37910080 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan is uninsurable as it was refinanced within xx months, and the lender did not use the acquisition cost/price of prior transfer of $xx for LTV calculation. Lender used appraised value of $xx and closed the subject loan at LTV/CLTV of xx%. Further details not provided. |  |  |
| 37910080 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 37910080 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 37910080 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx, and the loan was underwritten by DU (Locator#xx), and its recommendation is Approve/Eligible with a DTI of xx. |  |  |
| 37910080 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | Home is affixed to the land.<br> According to the appraisal report located at "xx," the type of subject property is a manufactured home.<br> The ALTA x Endorsement is attached with the final title policy located at "xx." The VIN# mentioned on the MH rider located at "xx" is VIN#xx. The MH affixation document is available at "xx," which shows the subject property has been affixed. |  |  |
| 63725350 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The home loan toolkit is missing from the loan documents. |  |  |
| 63725350 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as conditions and photos addendum show the subject laundry room needs to be repainted. Estimate cost to cure is not available in the loan file. The updated xxxxD/completion report is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 63725350 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 63725350 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects appraisal fee at $xxx.xx. Final CD dated xx/xx/xxxx reflects appraisal fee at $x,xxx.xx. This is an increase in fee of $xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 63725350 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Seller tape shows COVID forbearance. |  |  |
| 63725350 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 70640905 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows P&L used is unacceptable, and the revised DTI is over xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been SE for xx.xx years at xx. FICO xxx, $xxxK equity in the subject and $xx,xxx residual income.<br>Downgrade to LVLx based on PH. |  |  |
| 70640905 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows the loan is unsalable due to unfinished pool and landscaping. Seller notes shows this has been cured. Further details not provided. Realtor search shows an estimated value at $xx. Subject originated xx/xx/xx and the UPB is $xx. |  |  |
| 70640905 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Final transmittal summary is missing from the loan documents. Available xxxx is post close. |  |  |
| 70640905 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL x year has expired. |  |  |
| 70640905 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects Points - Loan Discount Fee $x,xxx.xx and Appraisal Fee $xxx.xx. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee $x,xxx.xx and Appraisal Fee $xxx.xx. This is an increase in fee of $x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL x year has expired. |  |  |
| 70640905 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Doc Issue | Active | 3: Curable | \* Missing Appraisal (Lvl 3) | The appraisal report is missing from the loan documents. Realtor search shows an estimated value at $xx. Current UPB is $xx. Elevated for client review. |  |  |
| 70640905 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Initial application signed by loan originator is missing from the loan documents. |  |  |
| 70640905 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. |  |  |
| 8776094 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 8776094 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the loan has failed the QM price-based limit test. Infinity compliance results show that the loan failed the higher-priced mortgage loan test. Further details not provided. |  |  |
| 8776094 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| 8776094 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). <br>Loan failed the CA AB xxx higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). |  |  |
| 39230663 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows missing or incorrect information in the loan documentation. Further details not provided. |  |  |
| 39230663 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed ComplianceEase delivery and timing test for Initial CD dated xx/xx/xxxx. Document tracker is missing and x business days were added to get receipt date xx/xx/xxxx and the initial closing disclosure receipt date is less than three business days before the consummation date xx/xx/xxxx. |  |  |
| 39230663 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 39230663 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from loan documents. |  |  |
| 39230663 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | List of service providers disclosures is missing from loan documents. |  |  |
| 39230663 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling organizations disclosure is missing from loan documents. |  |  |
| 52734717 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 52734717 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | AUS | Active | 3: Curable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) | AUS report is missing from the loan documents. Post close AUS is available in the loan documents. |  |  |
| 52734717 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows miscalculation of student loan debt and the revised DTI is xx%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx. BWRx has x.xx years on the job as a xx, FICO xxx, xXxx since inception, $xx equity in the subject, and $x,xxx residual income. |  |  |
| 75447857 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR was not employed at the time of closing. Further details not provided. BWR defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x months on the job as a xx. Additionally, BWR has worked multiple jobs as a xx, FICO xxx, xXxx since inception, and $xxxK equity in the subject. |  |  |
| 75447857 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test and charges that in total cannot increase more than xx% tolerance test due to loan failed initial LE estimate delivery and timing test. Initial LE dated xx/xx/xxxx delivered on xx/xx/xxxx which is more than x business days from initial application date xx/xx/xxxx. |  |  |
| 75447857 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 75447857 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 11136951 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow disclosure is missing from the loan documents. |  |  |
| 11136951 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 11136951 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows income miscalculation as lender did not include BWRx SE loss. Further details not provided. Review shows the revised DTI is over xx%. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has been xx. BWRx has xx.xx years on the job as a xx, FICO xxx, xXxx since inception, and $xx equity in the subject. |  |  |
| 11136951 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | The TRID tolerance test is incomplete as the initial CD is missing from loan documents. The subject loan is a purchase, originated on xx/xx/xxxx, and the SOL is x year. |  |  |
| 11136951 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulation for the prohibited fees test. The following fees were included in the test:<br> Attorney's Fees paid by Seller: $x,xxx.xx<br> Condo dues paid by Borrower: $x,xxx.xx<br> Real Estate Commission paid by Seller: $xx,xxx.xx<br> Real Estate Transaction fee paid by Seller: $xxx.xx<br> Title - Flood determination fee paid by Borrower: $xx.xx<br> Title - Tax Cert Fee paid by Borrower: $xx.xx<br> Title CPL paid by Borrower: $xx.xx. |  |  |
| 11136951 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from loan documents. |  |  |
| 11136951 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | List of service providers disclosure is missing from loan documents. |  |  |
| 11136951 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from loan documents. |  |  |
| 11136951 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling organizations disclosure is missing from loan documents. |  |  |
| 69264384 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 69264384 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows the subject condo project became unwarrantable. Subject is a unit in the Farmstead at Vinings project. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 56453026 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed state regulations prohibited fees test due to the inclusion of the below fees charged to the borrower;<br>Administration Fee paid by Borrower: $xxx.xx<br> Fixed Loan Fee paid by Borrower: $xxx.xx<br> Verification Fee paid by Borrower: $xx.xx |  |  |
| 56453026 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows income miscalculation due to inconsistent and fluctuating hours. Revised DTI is xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x months on the job as a nurse at xx, FICO xxx, xXxx since inception, $xxK equity in the subject, and $x,xxx residual income. |  |  |
| 56453026 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Appraisal report is as is, and the photos addendum shows missing siding at the rear of the subject property and repairs done for the settlement cracks. The estimated cost to cure is not available in the loan file. xxxxD is missing from the loan documents for missing siding, and the final CD does not reflect any escrow holdback amount. Engineer's certificate by a licensed professional verifying the structural integrity of the subject property is missing from the loan documents. |  |  |
| 3681984 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x-year SOL is active. |  |  |
| 3681984 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 3681984 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan approved at xx% used asset depletion on $xx assets in order to qualify the BWR. Revised DTI without the asset depletion is xx%. Lender defect. Subject originated xx/xx/xx and the x year SOL is active. BWRs receive a pension and SSI. FICO xxx, and $xxK equity in the subject."<br>Downgrade to LVLx based on PH. |  |  |
| 15925711 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | North Dakota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TILA Finance charge disclosed on Final CD as $xx,xxx.xx. Calculated finance charge is $xx,xxx.xx for an under disclosed amount of -$xxx.xx.<br>Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year.<br>Subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 15925711 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | North Dakota | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $x,xxx.xx Exceeds Fees threshold of $x,xxx.xx Over by +$xxx.xx. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Processing Fee paid by Borrower: $xxx.xx<br> Underwriting Fee paid by Borrower: $xxx.xx<br> Verification Fee paid by Borrower: $xx.xx |  |  |
| 15925711 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | North Dakota | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan approved at xx%. Tape and file show BWR was approved with no credit history and no FICO score. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as an xx, xXxx since inception, and $xxK equity in the subject. |  |  |
| 15925711 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | North Dakota | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $x,xxx.xx Exceed Fees threshold of $x,xxx.xx Over by +$xxx.xx. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Processing Fee paid by Borrower: $xxx.xx<br> Underwriting Fee paid by Borrower: $xxx.xx<br> Verification Fee paid by Borrower: $xx.xx |  |  |
| 15925711 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | North Dakota | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | ND Money Broker License Validation Test - <br> The ability to perform residential real estate lending activities under this license was repealed by SB xxxx (xxxx), with mandatory transition to the new Residential Mortgage Lender License by December xx, xxxx. |  |  |
| 15925711 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | North Dakota | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report is as is, and the photo addendum shows the need for repairs for replacement of flooring and heating system, and an excessive amount of animal feces was noticed, posing a health and safety issue. An inspection report, or xxxxD, is missing from the loan documents. The estimated cost of a cure for the flooring is $xx. |  |  |
| 15925711 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | North Dakota | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. |  |  |
| 15925711 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | QM-TRID | QC Complete | North Dakota | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing credit report (Lvl 3) | Credit report is missing from the loan document. |  |  |
| 15925711 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | North Dakota | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete due to initial CD is missing from loan documents. |  |  |
| 10104614 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject was approved as xx%. Tape shows lender did not verify BWR rental income on x other properties. Further details not provided. Lender defect. The subject originated on xx/xx/xxxx, and the x-year SOL is active. BWR was qualified using an offer letter as a xx. BWR has prior employment experience of x years as a xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. |  |  |
| 44502892 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows insufficient assets. Bank statements in the file show $xxK does not satisfy the cash-to-close requirement of $xxK. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. Post closing, BWR made additional principal payments of $xx in x/xx. BWR receives royalty income, FICO xxx, xXxx since inception, and $xx equity in the subject. |  |  |
| 68959586 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows use of business asset towards closing is not acceptable as BWR only owned xx of business, and excluding business asset of $xx, the remaining assets of $xxK satisfy cash to close requirement of $xx and fail to meet the reserves requirement of $xx. |  |  |
| 68959586 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows SE income miscalculation, and lender omitted monthly debt of $x,xxx without supporting documents. Revised DTI is xx%. Further details not provided. BWR defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been SE for x years at xx, FICO xxx, xXxx since inception, $xxK equity in the subject, and $x,xxx residual income. |  |  |
| 68959586 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report reflects the as is condition, and the photo addendum shows chipping paint on the rear exterior wall of the subject property. Estimated cost to cure is not available in the loan file. Updated xxxxD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 45235771 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Wyoming | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the photo addendum shows vinyl floor damage. The estimated cost to repair is not available. The xxxxD is missing from the loan file. |  |  |
| 45235771 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | Wyoming | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows a large deposit of $xK was not sourced. Bank statement in the file shows $x,xxx in assets, satisfying the cash-to-close requirement of $x,xxx. Further details not provided. The subject loan originated on xx/xx/xxxx. BWR has x months on the job as an xx. BWR has been SE for x.xx years at xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. |  |  |
| 45235771 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Wyoming | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | Final CD reflects closing date as xx/xx/xxxx. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/xxxx. Note date is xx/xx/xxxx. |  |  |
| 45235771 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Wyoming | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 7899777 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and review of the final CD show interested party contributions (IPC) totaling $xxx on the loan exceeded the closing cost of $xx,xxx.xx, and reducing the sales price by the exact amount of exceeded IPC causes the LTV to increase to xx%. Further details not provided. |  |  |
| 7899777 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 7899777 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xx,xxx.xx. This is an increase in fee of $xx,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 25549319 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows the subject is NOO, as the BWR does not occupy the subject property, causing the lender to omit BWR primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x months on the job as a xx, FICO xxx, xXxx since inception, and $xx equity in the subject. |  |  |
| 25549319 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Subject purchase and sale was not an arms length transaction. Father/LLC sold townhouse property to BWR daughter. Appraisal shows $xx. Sales price was $xx. Zillow shows estimate at $xx. BWR loan $xx with a second lien of $xx. Appears reasonable. |  |  |
| 25549319 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows the subject is NOO, as the BWR does not occupy the subject property. Further details not provided. Elevated for client review. |  |  |
| 25549319 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 89891120 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 89891120 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows that Freddie Mac is not recognizing the LP after correcting the BWR's SSN in the initial submission. Further details not provided. |  |  |
| 97181887 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL is active. |  |  |
| 97181887 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulation for the prohibited fees test. <br> The following fees were included in the test:<br> HOA Initiation Fee paid by Borrower: $x,xxx.xx<br> HOA Prorated Dues paid by Borrower: $xxx.xx<br> HOA Transfer Fee paid by Borrower: $xxx.xx<br> Real Estate Commission FEE paid by Seller: $xx,xxx.xx<br> Real Estate Commission Fee paid by Seller: $x,xxx.xx<br> Title - Closing Protection Letter Fee paid by Borrower: $xx.xx<br> Title - Tax Cert Fee paid by Borrower: $xx.xx. |  |  |
| 97181887 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 97181887 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the subject loan is not salable to agencies as the subject condo project does not meet the budget reserves requirement for a full condo review. Further details not provided in Condo Q in file. Zillow search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 97181887 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 64346046 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan does not meet HUD's adjusted value requirements, and BWR was vested on the title for less than xx months. Further details not provided. |  |  |
| 64346046 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| 64346046 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed compliance ease delivery and timing test for closing disclosure dated xx/xx/xxxx. Document tracker is missing and x business days were added to get receipt date xx/xx/xxxx which is after the consummation date xx/xx/xxxx. |  |  |
| 39822507 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows homebuyers education certification is missing from the loan documents. Further details not provided. |  |  |
| 97933610 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows debt miscalculation. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx receives social security, notes receivable installment, and pension income. BWRx receives social security and pension income, FICO xxx, xXxx since inception, $xx equity in the subject, and residual income $x,xxx. |  |  |
| 61778906 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 61778906 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed GSE (Freddie Mac public guidelines) points and fees test due to fees charged $xx,xxx.xx exceed fees threshold of $x,xxx.xx over by +$x,xxx.xx. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Processing Fee paid by Borrower: $xxx.xx<br> Underwriting Fee paid by Borrower: $xxx.xx<br>Loan failed Qualified Mortgage Lending Policy points and fees test due to fees charged $xx,xxx.xx exceed fees threshold of $x,xxx.xx over by +$x,xxx.xx. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Processing Fee paid by Borrower: $xxx.xx<br> Underwriting Fee paid by Borrower: $xxx.xx |  |  |
| 61778906 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject was approved at xx%. Tape shows declining SE income and rental income miscalculation on REO property. Revised DTI is xx%. Lender defect. The subject originated on xx/xx/xxxx, and the x-year SOL is active. BWR has xx.xx years on the job as a xx. BWRx has been xx for xx.xx years at xx, FICO xxx, xXxx since inception, $xxK equity in the subject, and residual income is $x,xxx. |  |  |
| 47799957 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by borrower is missing from loan documents. |  |  |
| 47799957 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x month on the job as a xx, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. |  |  |
| 2749149 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 2749149 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows there are discrepancies on the BWR paystubs and WVOE. Lender did not properly verify income. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. |  |  |
| 26832236 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject was approved at xx%. Tape shows income source not legally derived and acceptable (xx). Further details not provided. Removing the cannabis income the revised DTI is xx%. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x months on the job as a xx BWRx has x years on the job as a xx, FICO xxx, $xxK equity in the subject, and residual income $x,xxx. |  |  |
| 26832236 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA MI certificate is missing from the loan documents. |  |  |
| 28488966 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | Loan failed Compliance Ease delivery and timing test for initial closing disclosure dated xx/xx/xxxx. Document tracker is missing and x business days were added to get receipt date xx/xx/xxxx. Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years which is expired. |  |  |
| 28488966 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows undisclosed debt. The revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is expired. BWRx has x years on the job as a xx. BWRx receives social security income, FICO xxx, $xxxK equity in the subject, and residual income $x,xxx. |  |  |
| 28488966 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 28488966 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The sellers tape data shows the loan was modified to xx years with terms changing from due xx/xx/xxxx with a maturity date of xx/xx/xxxx to due x/x/xxx with a maturity of xx/xx/xxxx. The loan was modified on xx/xx/xxxx with a maturity date of xx/xx/xxxx. |  |  |
| 28488966 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by LP (Locator# xx) and its recommendation is 'Accept/eligible' with a DTI of xx%. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is expired. |  |  |
| 33837192 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 33837192 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows loan estimate and CD issued on the same day. Further details not provided. Infinity compliance result shows the loan failed the revised loan estimate delivery date test due to the revised loan estimate delivery dated xx/xx/xxxx, which is on the initial closing disclosure delivery dated xx/xx/xxxx. |  |  |
| 33837192 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 33837192 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Initial loan estimate dated xx/xx/xxxx does not reflect Appraisal Re-Inspection Fee. Final CD dated xx/xx/xxxx reflects Appraisal Re-Inspection Fee at $xxx.xx. This is an increase fee in the amount of +$xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL is active. |  |  |
| 64784696 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows income misrepresentation as earnings on tax returns do not match with tax transcripts. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been SE for x.xx years at xx, FICO xxx, xXxx since inception, and $xxxK equity in the subject. |  |  |
| 64784696 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement is missing from the loan file. |  |  |
| 30230350 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. The loan estimate dated xx/xx/xxxx does not reflect the document preparation fee. The CD dated xx/xx/xxxx reflects a document Preparation Fee at $xxx.xx. The loan estimate dated xx/xx/xxxx reflects points—loan discount fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects points - loan discount fee at $xx,xxx.xx.<br> The loan estimate dated xx/xx/xxxx reflects transfer taxes at $xx,xxx.xx. The CD dated xx/xx/xxxx reflects transfer taxes at $xx,xxx.xx. This is a cumulative increase in fees of $x,xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. A valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase. The subject loan was originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 30230350 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO due to misrepresentation as BWR never occupied the subject property, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is expired. Borrower has been SE for x years at xx, FICO xxx, and $xxK equity in the subject. |  |  |
| 30230350 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing from the loan documents. |  |  |
| 30230350 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU (xx) and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| 30230350 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 30230350 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject was approved as OO. Tape indicates that the property is NOO due to misrepresentation as BWR never occupied the subject property. Further details not provided. Elevated for client review. |  |  |
| 30230350 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 30230350 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | Final transmittal summary is missing from the loan documents. |  |  |
| 43667522 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance policy is missing from the loan documents. |  |  |
| 43667522 | xx | xx | xx | 5cb32bc6-6817-40b3-bf5e-122771c92d82 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Credit | Active | 3: Curable | \* Required Documentation Missing or Incomplete (Lvl 3) | The subject loan approved using DSCR. Loan approval document is missing from the loan documents. |  |  |
| 43667522 | xx | xx | xx | 74be4ec5-5b69-41dd-8139-7a2f79aff20b | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Credit | Active | 3: Curable | \* DSCR is less than 1.00 (Lvl 3) | Net operating income is $xx, annual payments are $xx,xxx.xx, and the debt service cover ratio (DSCR) is x.xx. |  |  |
| 43667522 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan does not meet x month seasoning period requirements. Further details not provided. |  |  |
| 71172870 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a)(x)) due to an APR calculated at x.xxx% exceeding the APR threshold of x.xxx% over +x.xxx%. The subject loan is not escrowed.<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. |  |  |
| 71172870 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/xxxx reflects cash to the borrower in the amount of $x,xxx.xx. |  |  |
| 71172870 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the interest rate test due to the loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located.<br>This loan failed the brokerage/finder fee test due to the mortgage loan charges a brokerage/finder fee that exceeds x% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee. |  |  |
| 71172870 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 71172870 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Valuation | Property | Active | 3: Curable | \* Property is Manufactured Housing (Lvl 3) | The home is affixed to the land. As per the appraisal report located at xx, the subject property is a manufactured home. The affidavit of affixation document is located at xx and shows the home is permanently affixed to the land with serial no. #xx. The final title policy schedule B, located at xx, shows the exception for affixation of affidavit. |  |  |
| 71172870 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows internal QC of the subject loan revealed red flag findings. Further details not provided. Subject originated xx/xx/xx. Income recalculation is confirmed. xXxx over the last xx months. |  |  |
| 92103140 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 92103140 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU (xx) and its recommendation is approve/eligible with a DTI of xx. |  |  |
| 92103140 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$x,xxx.xx. <br> The following fees were included in the test:<br> Mortgage Insurance Premium $xx,xxx.xx<br> Processing Fee paid by Borrower: $xxx.xx<br> Underwriting Fee paid by Borrower: $xxx.xx<br>Loan fails QM lending policy points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$x,xxx.xx. <br> The following fees were included in the test:<br> Mortgage Insurance Premium $xx,xxx.xx<br> Processing Fee paid by Borrower: $xxx.xx<br> Underwriting Fee paid by Borrower: $xxx.xx |  |  |
| 92103140 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the loan fails the QM points and fees test. Infinity compliance result shows that the loan failed the QM points and fees test. |  |  |
| 61403181 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan fails Brokerage/Finder fee test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $x,xxx.xx<br> Processing Fee paid by Borrower: $xxx.xx<br> Underwriting Fee paid by Borrower: $xxx.xx |  |  |
| 61403181 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows internal QC of the subject loan revealed red flag findings. Further details not provided. Subject originated xx/xx/xx. ATR confirmed. BWR has been xXxx since inception. |  |  |
| 61403181 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 96669807 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 96669807 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx, as the borrower income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU (Locator#xx) and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| 96669807 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows lender omitted auto loan debt paid by business without supporting documents. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has been SE for xx.x years as xx, FICO xxx, xXxx in the last xx months, and $xxxK equity in the subject. |  |  |
| 96669807 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 96669807 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. <br> Loan estimate dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xxx.xx. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at xxx.xx.<br> Loan estimate dated xx/xx/xxxx reflects Transfer Taxes fee at $xxxx.xx. CD dated xx/xx/xxxx reflects Transfer Taxes fee at xxxx.xx<br> This is a cumulative increase in fee of xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years. |  |  |
| 14855989 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Loan fails Origination Fee First Lien Test due to fee charged $x,xxx.xx exceeds fee threshold of $x,xxx.xx over by +$xxx.xx.<br> The below fee was included in this test:<br> Loan Origination Fee paid by Borrower: $x,xxx.xx. |  |  |
| 14855989 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 14855989 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | Final GFE is missing from the loan documents. |  |  |
| 14855989 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows property value is not supported. Appraisal report shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 988077 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows the file is missing supporting documents to omit HELOC debt with a balance remaining of $x,xxx as required in the AUS. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has xx years on the job as a xx, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. |  |  |
| 988077 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $x,xxx.xx, and total expenses are in the amount of $xxx.xx. The loan was underwritten by DU (Locator# xx) and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| 988077 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated x.xxx% Exceeds APR threshold of x.xxx% Over By +x.xxx%. Subject loan is escrowed. |  |  |
| 988077 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the photo addendum shows the outbuilding is rusted, posing a safety issue and flaking paint on the exterior side of the subject property. |  |  |
| 988077 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/xxxx. Initial LE dated xx/xx/xxxx reflects Lender Credit at $x,xxx.xx, post CD dated xx/xx/xxxx reflects Lender Credit at x,xxx.xx. This is decrease of $xxx.xx for fee which has x% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan originated on xx/xx/xxxx and x year SOL is active. |  |  |
| 988077 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 64144580 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 64144580 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial xxxx signed by loan originator is missing from the loan documents. |  |  |
| 64144580 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows BWR's capacity to repay the subject mortgage, and all other obligations were not established. Revised DTI is xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is expired. BWR has x months on the new job as xx, and BWR has been SE for x.xx years at xx, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. |  |  |
| 71184043 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 71184043 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| 71184043 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$xxx.xx. The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $x,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $xxx.xx.<br>Loan fails Qualified Mortgage Lending Policy Points and Fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$xxx.xx.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $x,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $xxx.xx. |  |  |
| 71184043 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 71184043 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. The initial LE dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. The final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/xxxx and the x years SOL is expired. |  |  |
| 71184043 | xx | xx | xx | cd78c3d6-5980-4171-a589-a92d6a853351 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Rebuttable Presumption - defined by loan findings (Lvl 2) | Loan failed FHA QM Rebuttable Presumption test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$xxx.xx.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $x,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $xxx.xx. |  |  |
| 71184043 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed FHA QM Safe Harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% under by - x.xxx%. Subject loan is escrowed. |  |  |
| 71184043 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the brokerage/finder fee test due to the mortgage loan charges a brokerage/finder fee that exceeds x% of the total loan amount. |  |  |
| 71184043 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 71184043 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is uninsurable as it closed incorrectly as a refinance, and it should have closed as a purchase transaction as the subject property was built on the land purchased by the BWR. Further details not provided. |  |  |
| 38116687 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement is missing from the loan documents. |  |  |
| 38116687 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows property value of $xx is not supported as the CU score is x.x, and the field review report and Fannie Mae CU estimated the value at $xx and $xx, respectively. The appraisal report shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 75606622 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject BWR was approved for a loan using a work VISA under the COxC category, which is not eligible. The BWR's work authorization permit card will expire on xx/xx/xxxx, and the subject loan closed on xx/xx/xxxx. Further details not provided. Subject originated xx/xx/xx. ATR confirmed. BWR has been xXxx over the last xx months. |  |  |
| 75606622 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed TILA Finance Charge Test due to finance charge disclosed on Final CD as $xxxx,xxx.xx. Calculated Finance charge is $xxx,xxx.xx for an under disclosed amount of $x,xxx.xx. <br>This loan failed the TRID total of payments test. (xx CFR §xxxx.xx(o)(x))<br> The total of payments is $xxx,xxx.xx. The disclosed total of payments of $xxx,xxx.xx is not considered accurate because it is<br> understated by more than $xxx and the provided reimbursement amount of $x.xx is not sufficient to cure the inaccuracy.<br> Loan data is xxx,xxx.xx and allowed $xxx,xxx.x. The variance is -$x,xx.xx.<br>Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. |  |  |
| 67403414 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Finance charge disclosed on Final TIL as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. |  |  |
| 67403414 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 67403414 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows property value is not supported. Appraisal report shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. The realtor.com search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 1665308 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Credit | AUS | Active | 2: Acceptable with Warnings | \* Missing DU/GUS/AUS as required by guidelines (Lvl 2) | AUS at closing is missing from the loan documents. |  |  |
| 1665308 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $x,xxx.xx, and total expenses are in the amount of $x,xxx.xx. AUS at closing is missing from the loan documents. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. |  |  |
| 1665308 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 1665308 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows income miscalculation. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWRx has been SE for x years at xx, BWRx receives pension income, FICO xxx, xXxx in the last xx months, $xxx equity in the subject, and $x,xxx residual income. |  |  |
| 16766881 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU Locator xx and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| 16766881 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 16766881 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/xxxx reflects cash to the borrower in the amount of $x,xxx.xx. |  |  |
| 16766881 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx% Tape shows BWR was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has x months on the new job as a xx and prior to that was a member resolution specialist with xx for x years, FICO xxx, xXxx in the last xx months, and $xx equity in the subject. |  |  |
| 3736510 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | AUS | Active | 2: Acceptable with Warnings | \* Missing DU/GUS/AUS as required by guidelines (Lvl 2) | AUS/DU report is missing from the loan document. |  |  |
| 3736510 | xx | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing flood cert (Lvl 2) | Flood certificate is missing from the loan documents. |  |  |
| 3736510 | xx | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial LE (Lvl 2) | Initial LE is missing from the loan file. |  |  |
| 3736510 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 3736510 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan file. |  |  |
| 3736510 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial xxxx signed by loan originator is missing from the loan files. |  |  |
| 3736510 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure signed by borrower is missing from the loan documents. |  |  |
| 3736510 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Tape shows BWR was not employed at closing. Further details not provided. BWR defect. ATR could not be determined as xxxx, AUS, and loan approval are missing from the loan documents. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has xx years on the job as a xx, FICO xxx, and xXxx in the last xx months. |  |  |
| 3736510 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement services provider list is missing from loan documents. |  |  |
| 3736510 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 3736510 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Hazard insurance policy is missing from the loan documents. |  |  |
| 3736510 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial CD is missing from the loan file. |  |  |
| 3736510 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan documents. |  |  |
| 3736510 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | Final transmittal summary is missing from the loan documents. |  |  |
| 3736510 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TRID total payment test as the calculated value of $xxx,xxx.xx exceeds the disclosed value of $xxx,xxx.xx by $xxx. The subject loan is a purchase transaction that originated on xx/xx/xxxx, and the x-year TRID SOL has expired. |  |  |
| 3736510 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | The loan failed TRID tolerance test in incomplete as initial LE and CD are missing from the loan documents. |  |  |
| 3736510 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Valuation | Doc Issue | Active | 3: Curable | \* Missing Appraisal (Lvl 3) | Appraisal report is missing from the loan documents. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 3736510 | xx | xx | xx | 1572c798-5472-43ad-ba76-74aaee0b84e4 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | NPL | Active | 2: Acceptable with Warnings | \* Homeowner's Counseling disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| 76225032 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 76225032 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject approved as second home. Tape and file show subject is NOO. Elevated for client review. |  |  |
| 18155342 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | The tape shows the subject condo project does not meet the xx% reserves requirement, and the HOA is currently doing major repairs for structural issues. The review of the condo questionnaire does not reflect reserve budget information or any ongoing repairs of the project. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 18155342 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 18155342 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID Violation due to decrease in lender credit on CD dated xx/xx/xxxx. Initial LE dated xx/xx/xxxx reflects lender credit at xxxx. Revised CD dated xx/xx/xxxx reflects Lender Credit at xxx.xx. This is decrease of $xxx.x for fee which has x% tolerance test. Valid COC for the decrease in NSLC is missing from the loan document. Subject loan is refinance case, originated on xx/xx/xxxx and the x year SOL has expired. |  |  |
| 59569001 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan closed with the same loan ID on the AUS submission that was reused from a prior loan. Further details not provided. |  |  |
| 59569001 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | Subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at $xx. Current UPB $xx. |  |  |
| 23668793 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 23668793 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows homebuyer education certificate is not completed before closing. Further details not provided. |  |  |
| 35229657 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed Qualified Mortgage APR Threshold Test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. Subject loan is escrowed. <br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$xxx.xx. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $xxx.xx<br> Mortgage Broker Fee (Indirect) $x,xxx.xx. |  |  |
| 35229657 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. Subject loan is escrowed. |  |  |
| 35229657 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed. As per the appraisal report located at xx, the subject property is a manufactured home. The MH rider is attached with the recorded mortgage. |  |  |
| 35229657 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$xxx.xx. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $xxx.xx<br> Mortgage Broker Fee (Indirect) $x,xxx.xx.<br>Loan fails GSE (Fannie Mae public guidelines) QM APR Test due to APR charged x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. |  |  |
| 35229657 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 35229657 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | Tape shows the loan fails the QM APR threshold test. Infinity compliance result shows that the loan failed the QM APR threshold test. The subject loan is escrowed. |  |  |
| 33895961 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect Loan Origination Fee. CD dated xx/xx/xxxx reflects Loan Origination Fee at +$x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x year SOL has expired. |  |  |
| 33895961 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Tape shows Fannie Mae requires asset depletion accounts to be in retirement accounts. Bank statements in the file show $xx in checking and savings accounts and $xx submitted in non-liquid liquid assets. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL will expire on xx/xx/xxxx. BWRx has been SE for x.xx years at xx. BWRx has been SE for x.xx years at xx, FICO xxx, xXxx in the last xx months, and $xxxK equity in the subject. |  |  |
| 33895961 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by AUS/DU (Locator#xx) and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| 33895961 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is purchase case, originated on xx/xx/xxxx and the x year SOL has expired. |  |  |
| 30670129 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan does not meet VA seasoning period requirements. Further details not provided. |  |  |
| 30670129 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 39227046 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Nebraska | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan is NOO and the tape shows the subject loan closed at an LTV of xx%, exceeding the guideline limit of LTV xx%. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 11449265 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 11449265 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 11449265 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects recording fee at $xx.xx. Final CD dated xx/xx/xxxx reflects recording fee at $xxx.xx. This is a cumulative increase of $xxx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the SOL is x year. |  |  |
| 11449265 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). (HPML). |  |  |
| 11449265 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed qualified mortgage safe harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by x.xxx%. Subject loan is escrowed. |  |  |
| 11449265 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "xx" state that the manufactured home is affixed to the land with Serial # xx. |  |  |
| 11449265 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows SE income miscalculation. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been SE for x.xx years at xx, FICO xxx, xXxx since inception, $xxK equity in the subject, and residual income $x,xxx.xx. |  |  |
| 47185490 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Loan approval is missing from loan documents. |  |  |
| 47185490 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan does not satisfy x months of PITI reserves as the subject loan closed with PITI reserves of x.xx. Tape and final CD reflect state tax lien of $xx is paid off through subject transaction. Further details not provided. |  |  |
| 39781543 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 39781543 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | List of service providers disclosure is missing from the loan documents. |  |  |
| 39781543 | xx | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing flood cert (Lvl 3) | Flood certificate is missing from the loan documents. |  |  |
| 39781543 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete due to initial CD is missing from loan documents. |  |  |
| 39781543 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. |  |  |
| 39781543 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows TRID violation as the subject loan closed a day earlier than allowed and did not satisfy the x-day waiting period from the delivery of LE and consummation date. Further details not provided. Infinity compliance result did not perform delivery and timing tests for LE as revised LE is missing from the loan documents. |  |  |
| 39781543 | xx | xx | xx | 42fa4669-fe5d-412e-9c32-21b87047de7c | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Revised Loan Estimate is missing (Lvl 3) | Revised LE is missing from the loan documents. |  |  |
| 96703207 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The copy of the appraisal report is illegible as the pages of the appraisal are cut out at the edges. Zillow search shows an estimated value at $xx. Current UPB is $xx. |  |  |
| 96703207 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the subject loan failed the QM points and fees test. The subject loan is NOO, and Infinity did not perform a regulatory compliance test. |  |  |
| 74439960 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance policy is missing from the loan documents. |  |  |
| 74439960 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved at xx%. Tape shows income miscalculation and the revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x years xx. BWR x has x years at xx. FICO xxx. xXxx since inception. $xxxK equity. |  |  |
| 98630584 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at $xx. Current UPB: $xx. |  |  |
| 98630584 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. <br>Loan failed TILA Foreclosure Rescission Finance Charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. |  |  |
| 98630584 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is OO and was approved at xx%. Tape shows BWR was not employed at closing and the subject is NOO as BWR does not occupy the subject, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has x.xx years on the job as a xx and FICO xxx. |  |  |
| 98630584 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject was approved as OO. The tape indicates that the subject is NOO, as BWR does not occupy the subject. Further details were not provided. Elevated for client review. |  |  |
| 98630584 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 88964286 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows an issue with the stability of bonus income. Lender defect. Review agrees with lender calculations. Downgrading to LVLx. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as xx%, FICO xxx, and $xx equity in the subject. |  |  |
| 88964286 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 80157634 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Subject loan is a second lien and not escrowed. Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at xx.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. This loan is compliant with regulation xxxx.xx(b), (c) and (d). The first lien loan is escrowed. Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated xx.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The first lien loan is escrowed. |  |  |
| 80157634 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails compliance delivery and timing test for revised CD dated xx/xx/xxxx and delivered on xx/xx/xxxx which is after the consummation date xx/xx/xxxx. |  |  |
| 80157634 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan fails Prohibited fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x.xx over by $x,xxx.xx. The below fees were included in the test Document Preparation Fee paid by Borrower: $xxx.xx Processing Fee paid by Lender: $xxx.xx Title Texas Guaranty Fee paid by Borrower: $x.xx |  |  |
| 80157634 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/xxxx. Initial CD dated xx/xx/xxxx reflects Lender Credit at $x,xxx.xx, Final CD dated xx/xx/xxxx reflects Lender Credit at $x,xxx.xx This is decrease of +xxx.xx for fee which has x% tolerance test. Valid COC is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/xxxx and the SOL is x years. |  |  |
| 80157634 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the lender did not provide the appraisal valuation report within x business days prior to the consummation date. Further details are not provided. Subject loan was approved at xx%. Tape shows increased DTI of xx%. Review shows ATR confirmed. |  |  |
| 80157634 | xx | xx | xx | d599fb87-9791-476a-9a61-b4567a524853 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3) | Home equity loan notice of address for borrower notification of violation is missing from the loan file. |  |  |
| 80157634 | xx | xx | xx | da2a7ebc-5993-445f-8fd8-49e03aadfec2 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Interest and Fees Pre-closing Disclosure is missing from the loan file (Lvl 3) | Home equity loan interest and fees pre-closing disclosure is missing from the loan file. |  |  |
| 80157634 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Finance charge disclosed on Final TIL as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. <br>TILA Foreclosure Rescission Finance Charge Test due to finance charge disclosed on Final TIL as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of $xx.xx. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. <br> Subject loan is refinance case, originated on xx/xx/xxxx and the SOL is x years. |  |  |
| 80157634 | xx | xx | xx | fe27b315-3739-4437-8f1e-4b8e5fc6e00c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Copies of Documents is missing from the loan file (Lvl 3) | Home equity loan copies of documents is missing from the loan file. |  |  |
| 80157634 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 47458590 | xx | xx | xx | c3e6361e-df5f-4c53-9b34-b137e5a1b580 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Credit | Active | 3: Curable | \* LTV / CLTV > 100% (Lvl 3) | Collateral value used for underwriting: $xx. Amount of secondary lien(s): $xx. Loan amount: $xx. LTV / CLTV = xx%. |  |  |
| 47458590 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 47458590 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan was repurchased as the loan was aged at xx days which exceeded the investor deadline of xx days. Further details not provided. |  |  |
| 47458590 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | Compliance ease TRID tolerance test is incomplete due to Initial LE is missing from loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the SOL is x year. |  |  |
| 47458590 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate. |  |  |
| 47458590 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Doc Issue | Active | 3: Curable | \* Notice of Servicing Transfer missing or unexecuted (Lvl 3) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| 31097065 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the loan was repurchased as the subject mortgage was aged more than xxx days, and all conditions were not cleared. All items are in the file. Further details are not provided. |  |  |
| 35142105 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan was repurchased as the investor did not receive the closing package within the required timeframe, and the loan is aged. Further details not provided. |  |  |
| 31059726 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal shows damage to flooring, drywall and windows. Tape shows HOA did not fix damaged window. Final CD does not reflect the escrow holdback amount. Zillow search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 26370143 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 26370143 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows IPC (interested party contribution) of $xx,xxx exceeded the closing cost of $xx,xxx.xx, and reducing the sales price by the amount of overage, the LTV increases to xx%, which requires MI coverage that was not obtained at closing. Further details not provided. |  |  |
| 51351759 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/xxxx reflects cash to the borrower in the amount of $xxx.xx. |  |  |
| 51351759 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape and bank statement show the source of the large deposit of $x,xxx could not be verified. Gift funds of $xx,xxx satisfy the cash-to-close requirement of $xx,xxx. Further details not provided. |  |  |
| 51351759 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows undisclosed auto loan debt and two student loan debts opened prior to closing. Tape shows income and employment misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has x.xx years on the job as a xx, FICO xxx, and $xxK equity in the subject. |  |  |
| 51351759 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per the seller tape, repurchased loan due to first payment default misrepresentation. Forbearance for the period of x/xxxx to x/xxxx and xx/xxxx to x/xxxx and COVID asset modification trial plan for May to July. MOD's first payment date is xx/xx/xxxx with the rate of x.xxx%, and the maturity is xx/xx/xxxx with a deferred balance of $xx. |  |  |
| 11724356 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 11724356 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows income miscalculation over including OT that is not supported by a xx month history. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x month on the job as a xx% Additionally, BWR has a second job as a xx for x.xx years, FICO xxx, xXxx since inception, $xxK equity in the subject, and residual income $x,xxx. |  |  |
| 11724356 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | The initial loan estimate delivery date test failed due to the initial LE dated xx/xx/xxxx and delivered on xx/xx/xxxx, which is more than x business days from the initial application date of xx/xx/xxxx. The written list of service providers disclosure date test fails due to the written list of service providers disclosure dated xx/xx/xxxx, which is more than x business days from the initial application date |  |  |
| 11724356 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test and charges that in total cannot increase more than xx% tolerance test due to loan failed initial LE estimate delivery and timing test. The initial LE dated xx/xx/xxxx was delivered on xx/xx/xxxx, which is more than x business days from the initial application date of xx/xx/xxxx. |  |  |
| 11724356 | xx | xx | xx | c56299d8-a56d-4ee2-ba5d-9e8408623724 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase RESPA Test Failed (Lvl 3) | The loan failed the RESPA homeownership counseling organizations disclosure date test due to the homeownership counseling organizations disclosure date of xx/xx/xxxx being more than x business days from the initial application date of xx/xx/xxxx. |  |  |
| 11724356 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 11724356 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the TILA finance charge test due to the finance charge disclosed on the final CD as $xxx,xxx.xx. The calculated finance charge is $xxx,xxx.xx for an under-disclosed amount of -$xxx.xx. The reason for the finance charge under disclosure is unknown as the fee itemization is missing. The subject loan is a purchase case, originated on xx/xx/xxxx, and the SOL is x year active. |  |  |
| 75495172 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows child support income used for qualification is not supported. Revised DTI is xx% Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWRx has x years on the job as a xx and receives alimony/child support income; BWRx has xx years on the job as an xx, FICO xxx, $xxxK equity in the subject, and $x,xxx residual income. |  |  |
| 75495172 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx. The loan was underwritten by LP (Locator# xx) and its recommendation is Accept with a DTI of xx% |  |  |
| 96088177 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. |  |  |
| 96088177 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xxx.xx. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of +$xx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. |  |  |
| 96088177 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows seller credit exceeded x% allowed limit, and final CD reflects seller credit of $x,xxx, which is more than x% of sales price. Further details not provided. |  |  |
| 55457130 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 55457130 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. As per the appraisal report located at xx, the subject property is a manufactured home. As per the updated title report dated xx/xx/xxxx, the certificate of permanent location for a manufactured home is located at xx, reflects that the home is affixed permanently to the land and the VIN #xx. |  |  |
| 55457130 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 55457130 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a)(x)) due to an APR calculated at x.xxx% exceeding the APR threshold of x.xxx% over +x.xxx%. The subject loan is escrowed.<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. |  |  |
| 55457130 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 4: Unacceptable | \* Loan does not conform to program guidelines (Lvl 4) | Tape shows subject is a construction to permanent loan and is not modified to the permanent terms. Further details not provided. Elevated for client review. |  |  |
| 57515347 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged $x,xxx.xx exceeds the fees threshold of $x,xxx.xx over by +$xxx.xx. The below fees were included in the test: Lender Fee paid by Borrower: $x,xxx.xx Points—Loan Discount Fee paid by Borrower: $x,xxx.xx |  |  |
| 57515347 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows reserves were short to close by $xK. Bank statements in the file show $xK, and the final CD reflects BWR received cash in the amount of $xxK. Further details not provided. |  |  |
| 57515347 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is a second home and was approved at xx%. Tape shows lease agreement provided for primary residence was altered and there was undisclosed debt. The revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR receives retirement income, FICO xxx, xXxx since inception, $xxK equity in the subject, and $x,xxx residual income. |  |  |
| 57515347 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 57515347 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 57515347 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed. Qualified Mortgage Safe Harbor threshold test due to APR calculated at x.xxx%. Exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed.<br>Loan failed. Qualified Mortgage Qualified Mortgage Lending Policy Points and Fees Test due to the fee calculated at $x,xxx.xx, exceeding the fee threshold of $x,xxx.xx over by +$xxx.xx. The below fees were included in the test: Lender Fee paid by Borrower: $x,xxx.xx Points—Loan Discount Fee paid by Borrower: $x,xxx.xx |  |  |
| 57515347 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. The loan estimate dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years. |  |  |
| 24031746 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed qualified mortgage APR threshold test due to APR calculated xx.xxx% exceeds APR threshold of xx.xxx% over by x.xxx%.<br>Loan failed qualified mortgage safe harbor threshold test due to APR calculated xx.xxx% exceeds APR threshold of xx.xxx% over by +x.xxx%. Subject is second lien loan and is not escrowed. |  |  |
| 24031746 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 24031746 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at xx.xxx% exceeds APR threshold of xx.xxx% over by +x.xxx%. The subject is second lien loan and is not escrowed.<br>Loan failed the CA AB xxx higher-priced mortgage loan test (CA AB xxx, California Financial Code Division x.x xxxx(a)) due to an APR calculated at xx.xxx% exceeds APR threshold of xx.xxx% over by +x.xxx%. |  |  |
| 24031746 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed GSE (Fannie Mae public guidelines) QM APR test due to APR calculated xx.xxx% exceeds APR threshold of xx.xxx% over by x.xxx%. |  |  |
| 24031746 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect HOA doc fees x. Final CD dated xx/xx/xxxx reflects HOA doc fees x at $xxx.xx. This is an increase in fee of $xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br> Subject loan is refinance case, originated on xx/xx/xxxx and the SOL is x years.<br>Loan failed charges that in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the sum of section C fees and recording fee at $xxx.xx. Final CD dated xx/xx/xxxx reflects the sum of section C and recording fee at $xxx.xx. This is a cumulative increase of $xxx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/xxxx and the SOL is x years. |  |  |
| 24031746 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. The Lender did not include an auto payment in the DTI and the full xst mortgage payment; recalculation results in a DTI of xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/xx, and the x-year SOL is active. Borrower has been employed with xx for x year as a xx and has a xnd job with the xxfor x years as a xx, FICO xxx. The subject is in xnd lien position with a CLTV of xx%. |  |  |
| 24031746 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the subject loan was failing the high-cost test that has since been corrected and not within the allotted investor time. Post CD dated xx/xx/xxxx was issued with a lender credit of $x,xxx.xx. Infinity compliance result shows that the loan has passed the high-cost tests. Further details not provided. |  |  |
| 73985725 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | 0.05625 | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Revised loan estimate delivery date and changed circumstances date test due to the fact that the creditor receives information sufficient to establish that a changed circumstance has occurred. |  |  |
| 73985725 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | 0.05625 | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceeding the fees threshold of $xx,xxx.xx, over by +$x,xxx.xx.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $xx,xxx.xx<br> Processing Fee paid by Borrower: $xxx.xx<br> Underwriting Fee paid by Borrower: $xxx.xx<br>Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceeds the fees threshold of $xx,xxx.xx over by +$x,xxx.xx. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $xx,xxx.xx<br> Processing Fee paid by Borrower: $xxx.xx<br> Underwriting Fee paid by Borrower: $xxx.xx |  |  |
| 73985725 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | 0.05625 | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape and file show rental income and student debt miscalculations. Revised DTI is xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/xx, and the x-year SOL is active. Borrower has been employed with xx for x years as a xx, FICO xxx, and $xxxK equity in the subject. |  |  |
| 35599750 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows BWR's income exceeds the limit for DPA grant approval, and the loan is not eligible for the FHA as the lender of the DPA loan is not an approved lender. Further details not provided. |  |  |
| 35599750 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 35599750 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| 63990653 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan does not meet the seasoning period requirement of xxx days. Further details not provided. |  |  |
| 63990653 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 2208067 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is uninsured as bonus entitlement is available for loans greater than $xx and the subject loan amount is $xx. Further details not provided. |  |  |
| 2208067 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges than in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $xxx.xx. CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $xxx.xx. This is a cumulative increase of +$xx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. |  |  |
| 2208067 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails Loan Origination Fee Test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$xxx.xx. <br> The below fees were included in the test:<br> Document Preparation Fee paid by Borrower: $xxx.xx<br> HOA Capitalization Fee paid by Borrower: $xxx.xx<br> HOA Prepaid Assessments paid by Borrower: $xxx.xx<br> HOA Transfer Fee paid by Borrower: $xxx.xx<br> Settlement or Closing Fee paid by Borrower: $xxx.xx<br> Tax Service Fee paid by Borrower: $xx.xx<br> Title Document Preparation Fee paid by Borrower: $xx.xx<br> Title Guaranty Fee paid by Borrower: $x.xx<br> Title-Title Tax Cert Fee paid by Borrower: $xx.xx |  |  |
| 2208067 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 2208067 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 2208067 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | VA guaranty certificate is missing from the loan documents. |  |  |
| 47839814 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Initial xxxx signed by loan originator is missing from the loan documents. |  |  |
| 47839814 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 47839814 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $xx,xxx.xx Exceeds Fees threshold of $xx,xxx.xx Over by +$x,xxx.xx. The below fees were included in the test Closing Fee paid by Borrower: $xxx.xx Funding, Wire, or Disbursement Fee paid by Borrower: $xxx.xx Points - Loan Discount Fee paid by Borrower: $xx,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx |  |  |
| 47839814 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Settlement services provider list is missing from loan documents. |  |  |
| 47839814 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $xx,xxx.xx Exceeds Fees threshold of $xx,xxx.xx Over by +$x,xxx.xx. The below fees were included in the test Closing Fee paid by Borrower: $xxx.xx Funding, Wire, or Disbursement Fee paid by Borrower: $xxx.xx Points - Loan Discount Fee paid by Borrower: $xx,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx |  |  |
| 47839814 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 47839814 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan was approved at xx. File shows BWR was employed at closing. ATR at closing confirmed. Tape shows BWR was not employed after closing. The tape shows the post-closing DTI is xx%. At the time of closing, BWRx had x months on the job as an xx. Previously, BWRx was xx for x.xx years at xx. BWRx has been SE for x.xx years at xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. |  |  |
| 41558848 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%.The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated x.xxx% Exceeds APR threshold of x.xxx% Over By +x.xxx%. Subject loan is escrowed. |  |  |
| 41558848 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 41558848 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows amended tax returns reflect increased earnings that are not supported due to depreciation adjustment. Revised DTI is over xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been SE for x.xx years at xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. |  |  |
| 58437871 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Washington D.C. | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and review of the file show the loan failed the TRID tolerance test and did not meet the x-day delivery and timing test for the closing disclosure issued on xx/xx/xxxx, and the subject loan closed on xx/xx/xxxx. Infinity did not perform a regulatory compliance test as the subject loan is NOO. Further details not provided. |  |  |
| 78938505 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | QM-TRID | QC Complete | Alaska | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 78938505 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Alaska | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect Points - Loan Discount fee, Appraisal Re-Inspection Fee . CD dated xx/xx/xxxx reflects Points - Loan Discount fee at $x,xxx.xx , Appraisal Re-Inspection Fee at $xxx.xx. This is cumulative increase in fee of $x,xxx.xx for charges that cannot increase. <br> Valid COC for the increase in fee is missing from the loan documents. <br>Loan failed charges than in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the recording fee at $xxx. CD dated xx/xx/xxxx reflects recording fee at $xxx.xx. This is a cumulative increase of $xx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents.<br> Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x-year. |  |  |
| 78938505 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Alaska | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 78938505 | xx | xx | xx | 249ccfc8-8061-4638-a74f-933a4ad40fc5 | xx | xx | xx | QM-TRID | QC Complete | Alaska | xx | Credit | Legal Docs | Active | 4: Unacceptable | \* Loan has escrow holdback. No proof it was released (Lvl 4) | Final CD dated xx/xx/xxxx reflects escrow holdback in the amount of $x,xxx.xx. Proof for release of escrow holdback is missing from the loan documents. |  |  |
| 78938505 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Alaska | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape shows expired appraisal and escrow holdback of $xK approved for exterior painting, which will not be completed until next May or June due to weather. xxxxD dated xx/xx/xxxx shows painting work completed. The subject loan originated on xx/xx/xxxx was too aged for sale. |  |  |
| 26507839 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final closing disclosure is missing from the loan documents. |  |  |
| 26507839 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows Hughes Capital/Guardian/HomePartners loan. Further details not provided. |  |  |
| 1093204 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 1093204 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges than in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $xxx.xx. CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $xxx.xx. This is a cumulative increase of $xx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 1093204 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | This loan failed the Pennsylvania license validation test. |  |  |
| 1093204 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value at $xx. Current UPB is $xx. |  |  |
| 1093204 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 70327949 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| 70327949 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. |  |  |
| 70327949 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD dated xx/xx/xxxx reflects cash to in the amount of $xxx.xx. |  |  |
| 70327949 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan is uninsured and unable to obtain the new construction documents. The appraisal report is as is, and the subject property is built up. Further details not provided. |  |  |
| 19589047 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by LP (Locator#xx) and its recommendation is Accept/Eligible with a DTI of xx%. |  |  |
| 19589047 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows student loan debt miscalculation, omitted debts without supporting documents, and incorrect income used for qualification. The revised DTI is xx%. Review confirmed ATR at revised DTI. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, $xxK equity in the subject, and residual income $x,xxx. |  |  |
| 23210895 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 23210895 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows ineligible condominium project. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 23210895 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects appraisal fee at $xxx.xx. CD dated xx/xx/xxxx reflects appraisal fee at $xxx.xx. This is an increase in fee of $xx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br>This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure delivery date is less than six business days before the consummation date.<br>Subject loan is a refinance, originated on xx/xx/xxxx and the x-year SOL is active. |  |  |
| 23210895 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 44288882 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Compliance is failing for state regulations. PA license validation test. |  |  |
| 44288882 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from loan documents. |  |  |
| 44288882 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 44288882 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is not insurable by the FHA as the final AUS was run with an incorrect interest rate of xx% and the actual interest is xx%. AUS is invalidated after resubmitting the AUS with the correct interest rate as the loan fails to meet additional reserve requirements. Bank statements in the file show $xx, and the cash-to-close requirement is $xx. Further details are not provided. |  |  |
| 11709207 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The tape shows the subject property is not salable to Freddie Mac as the property condition is rated poor. The appraisal report is as is, and the photo addendum shows the entire floor covering for unit x is removed, and the estimated cost for coverings is $xx. xxxxD is missing from the loan documents, and the final CD does not reflect the escrow holdback. |  |  |
| 19097220 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU (Locator#xx) and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| 19097220 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Market value of the subject property ($xx) is closest to the adjusted sales price ($xx) of comparable #x. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 30846398 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows issues with the values used. Further details not provided. Review of the appraisal report shows, comp #x with a sales price of $xx is closest to the subject property valued at $xx. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 43782795 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 43782795 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Final transmittal summary is missing from the loan documents. |  |  |
| 43782795 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape reflects an increased DTI of xx%. Further details not provided. The subject loan originated on xx/xx/xxxx, and the x-year SOL will expire on xx/xx/xxxx. BWRx has x.xx years on the job as a xx. BWR x has been SE for x.xx years at xx and at xx and Spa for x.xx years, FICO xxx, $xxK equity in the subject, and residual income is $x,xxx. |  |  |
| 43782795 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. x-year TRID SOL has expired. |  |  |
| 43782795 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xxx.xx. This is an increase in fee of $xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. x-year TRID SOL has expired. |  |  |
| 43782795 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows the appraised value is not supported and was flagged as overvalued with an SSR score of x.x. The appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. Further details not provided. |  |  |
| 56869766 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date of xx/xx/xxxx, which is less than three business days before the consummation date of xx/xx/xxxx. |  |  |
| 56869766 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 56869766 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape and file show the loan is closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan file. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 56869766 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Initial loan estimate dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xxx.xx. This is an increase fee in the amount of +$xxx.xx for charges that cannot increase. Valid COC for the increase in fee is available. COC is not getting tested due to loan failing TRID delivery and timing test. Subject loan is a refinance case, originated on xx/xx/xxxx and the x-year SOL is active. |  |  |
| 56869766 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the Pennsylvania license validation test.<br>Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 56869766 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows BWR was not on the mortgage getting refinanced, and the lender did not document xx months of verification of pay history of the existing mortgage. Further details not provided. |  |  |
| 8344106 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows BWR does not have a x-year history for second employment, and the lender omitted debt without verification of less than xx payments remaining. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has x months on the job as a xx. Additionally, BWR has x year on the second job as a case investigator at xx. Previously, BWR worked as a phlebotomist technician at xx for x.xx years, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. |  |  |
| 8344106 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceed APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by x.xxx%. Subject loan is escrowed. |  |  |
| 97942943 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows income and debt miscalculation. Further details not provided. The revised DTI exceeds xx%. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has been SE for x.xx years at xx, FICO xxx, xXxx since inception, $xxxK equity in the subject, and $x,xxx residual income. |  |  |
| 63156292 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL will expire on xx/xx/xxxx. BWRx has x.xx years on the job as a xx. Additionally, BWRx receives pension income; BWRx receives social security income, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. |  |  |
| 63156292 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 63156292 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock provided expired on xx/xx/xxxx, and the loan closed on xx/xx/xxxx. No lock extension found. |  |  |
| 63156292 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows property is NOO due to misrepresentation. Further details not provided. Elevated for client review. |  |  |
| 63156292 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 30782055 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. Further details not provided. |  |  |
| 64789089 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 64789089 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows BWR was not employed at closing. Further details not provided. BWR defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is expired. BWR has x months on the job as a xx. Previously, BWR was SE for x.xx years at xx, FICO xxx and $xxK equity in the subject. |  |  |
| 64789089 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the loan originator is missing from the loan documents. |  |  |
| 64789089 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. This is an increase in fee of $xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 38653527 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is expired. BWR was qualified using a post-close offer letter as a xx. BWRx was qualified using a post-close offer letter as a xx at xx, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. |  |  |
| 38653527 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount and consummation or reimbursement date validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 38653527 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 38653527 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. The loan estimate dated xx/xx/xxxx does not reflect the counseling fee and tax service fee. CD dated xx/xx/xxxx reflects a counseling fee at $xx.xx and a tax service fee at $xx.xx. This is an increase in fee of $xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL is expired. |  |  |
| 6295501 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject is a second home. Zillow shows the subject property was listed for rent on xx/xx/xxxx. Elevated for client review. |  |  |
| 6295501 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows ineligible condo project, and condo questionnaire shows special assessment of $xx for roof repairs of condo project was planned. The inspection report for the completion repairs is missing from the loan documents. Further details not provided. Subject originated xx/xx/xx. BWR has been xXxx last xx months. Comments do not show any further info on assessment. |  |  |
| 6295501 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 6295501 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TILA finance charge test due to finance charge disclosed on final CD as $xxx,xxx.xx. The calculated finance charge is $xxx,xxx.xx for an under-disclosed amount of -$xxx.xx. Subject loan is purchase case, originated on xx/xx/xxxx and the SOL is x year expired. |  |  |
| 98375588 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 98375588 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows issue with other closing, title, application, and processing documentation. Further details not provided. |  |  |
| 92903049 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows Hughes Capital/Guardian/Home Partners loan. Further details are not provided. |  |  |
| 95510256 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows ineligible condominium project. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 95510256 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. The below fees were included in the test:<br> Adjustable Rate Endorsement paid by Borrower: $xx.xx<br> Buyers or Borrower Attorney Fee paid by Borrower: $x,xxx.xx<br> Investor Review Fee paid by Borrower: $xxx.xx<br> Note Fee paid by Borrower: $xxx.xx<br> Real Estate Commission paid by Seller: $xxx,xxx.xx<br> Seller Attorney Fee paid by Seller: $x,xxx.xx<br> Survey Fee H paid by Borrower: $x,xxx.xx<br> Title Closing Protection Letter paid by Borrower: $xx.xx<br> Title-Copy Fee paid by Borrower: $xx.xx<br> Title-Deed Preparation paid by Borrower: $xx.xx<br> Title-Simplilife Service Fee paid by Borrower: $xx.xx<br> Title-Tax & Assessments Fee paid by Borrower: $xx.xx<br> Title-Transaction Management paid by Borrower: $xx.xx. |  |  |
| 19599441 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 19599441 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed TILA post-consummation revised closing disclosure finance charge test. Finance charge disclosed on Post CD as $x,xxx,xxx.xx. The calculated finance charge is $x,xxx,xxx.xx for an under-disclosed amount of -$xxx.xx. The subject loan is a purchase, originated on xx/xx/xxxx, and the SOL is x year. |  |  |
| 19599441 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows ineligible condominium project. Further details not provided. The appraisal report shows the subject is a detached SFR and not a condominium. Zillow search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 75443374 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 75443374 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the appraised value is not supported and was flagged as overvalued with an SSR score of x.x. The appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. Further details not provided. |  |  |
| 21199405 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 21199405 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. |  |  |
| 21199405 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Market value of the subject property ($xx) is closest to the adjusted sales price ($xx) of comparable #x. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 21199405 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. |  |  |
| 67797513 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing from the loan file. |  |  |
| 67797513 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the tax service fee test. |  |  |
| 67797513 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| 67797513 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects Credit Report Fee at $xx.xx. CD dated xx/xx/xxxx reflects Credit Report fee at $xx.xx. This is an increase in fee of $xx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. |  |  |
| 67797513 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 67797513 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape and appraisal show multiple repairs needed to bulkhead steps, furnace, broken pipes and fencing, flaking paint, utilities, and mold inspection. The estimated cost to cure is $xxk. xxxxD, or the final inspection report by a licensed professional confirming the status of the repairs, is missing from the loan documents. Zillow shows an estimated value of the subject is $xxxK. Current UPB is $xx. |  |  |
| 61933111 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 61933111 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Tape shows verified assets of $xx do not satisfy cash-to-close and reserves requirements of $xxK and fall short by $xx. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has xx.xx years on the job as a xx at xx. BWRx has x months on the job as a xx, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. |  |  |
| 67046589 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. The subject loan originated on xx/xx/xxxx and the x year SOL is active<br>Subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 67046589 | xx | xx | xx | 32e0d7b5-f4de-4b77-9574-04cce9803bb3 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* Loan has escrow holdback. No proof it was released (Lvl 3) | Final CD dated xx/xx/xxxx reflects escrow holdback in the amount of $x,xxx.xx. Proof for release of escrow holdback is missing from the loan documents. |  |  |
| 67046589 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Final transmittal summary is missing from the loan documents. |  |  |
| 67046589 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by borrower is missing from the loan documents. |  |  |
| 67046589 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape and file show an escrow holdback of $x.xK for repairs to the flooring, and the initial xxxxD shows repairs were not completed yet and BWR had removed kitchen cabinets, and the final xxxxD available in the file shows repairs are completed. Proof of release for escrow holdback is missing from the loan documents. |  |  |
| 96005222 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape shows repairs to the rotting fascia were not required by Freddie Mac, and the appraiser in the revised appraisal report required those repairs to be completed along with other items listed. xxxxD in the file shows completion of repairs of other items listed except the rotting fascia. The estimated amount to cure the fascia board is $xxx. The final inspection report is missing from the loan documents. |  |  |
| 96005222 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate. |  |  |
| 96005222 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). |  |  |
| 96005222 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Property | Active | 3: Curable | \* Property is Manufactured Housing (Lvl 3) | Home is affixed. As per the appraisal report, the subject property type is a manufactured home. The manufactured home rider attached to the recorded mortgage located at "xx" and the affidavit of affixation "xx" state that the manufactured home with serial #xx has been affixed to the permanent foundation. The Schedule B of TPOL shows an exception for affidavit of affixation. |  |  |
| 14031271 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is NOO and was approved at xx%. Tape shows SE and rental income miscalculation, and verification of SE business was not obtained. Further details not provided. Lender defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL will expire on xx/xx/xxxx. BWR has been SE for x years at xx, FICO xxx, xXxx in the last xx months, and $xxxK equity in the subject. |  |  |
| 14031271 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 14031271 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower income is $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU (Locator# xx) and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| 25946824 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan does not meet FNMA guidelines for NOO property as BWR was approved using an offer letter and will receive a salary post-closing. Further details not provided. |  |  |
| 32374480 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the late fees test due to the loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located. |  |  |
| 32374480 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. The tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWRx has xx years on the job as a xx, and BWRx has xx.x years on the job as a teacher at xx, FICO xxx, xXxx in the last xx months, and $xxxK equity in the subject. |  |  |
| 32374480 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower income is $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by LP (xx) and its recommendation is Accept with a DTI of xx%. |  |  |
| 32374480 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as a second home. The tape shows the subject is NOO due to misrepresentation. Further details not provided. Elevated for client review. |  |  |
| 75578199 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject is a second home and was approved at xx%. Tape shows rental income miscalculation as lease and supporting documents for REO are missing, and BWR is purchasing x rental properties financed through the subject lender. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has x.x years on the job as a xx, FICO xxx, xXxx in the last xx months, and $xxxK equity in the subject. |  |  |
| 75578199 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx, and the loan was underwritten by DU (Locator #xx), and its recommendation is Approve/ineligible with a DTI of xx%. |  |  |
| 75578199 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 13508918 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Subject loan approved as NOO. Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU (Locator xx) and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| 13508918 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is NOO and was approved at xx%. Tape shows rental income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has been SE for x.xx years at xx, FICO xxx, xXxx in the last xx months, and $xx equity in the subject. |  |  |
| 13508918 | xx | xx | xx | cfec44f3-b357-401b-9621-ad0bd9a43e24 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Valuation | Property | Active | 3: Curable | \* Property is Commercial Prop (Lvl 3) | Tape shows BWR uses subject NOO property as AirBNB. |  |  |
| 81655152 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows condo project does not meet Fannie Mae hazard insurance requirements as the deductible coverage exceeded the x% limit. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 81655152 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the Pennsylvania license validation test. |  |  |
| 42201238 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject originated xx/xx/xxxx at $xxxK with the prior sale x/xx/xx at $xx. Original transaction appears to be a flip. Zillow shows estimated value at $xx. |  |  |
| 42201238 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA Finance Charge test due to Calculated Finance charge of $xxx,xxx.xx exceeds Disclosed Finance charge of $xxx,xxx.xx over by -$xxx.xx. The subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. |  |  |
| 12623465 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan does not meet VA seasoning period requirements. Further details not provided. |  |  |
| 12623465 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed prohibited fees test.<br> The below fees were included in the test:<br> Attorney's Fee (Closing Agent Only) paid by Borrower: $xx.xx |  |  |
| 15778929 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling organizations disclosure is missing from the loan documents. |  |  |
| 15778929 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU Locator xx Wiedenhaefer-Weems PG#xxx and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| 15778929 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows undisclosed mortgage debt with a monthly payment of $x,xxx opened prior to closing. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWRx has xx.xx years as an active-duty xx with xx, FICO xxx, xXxx in the last xx months, $xxxK equity in the subject, and $x,xxx residual income. |  |  |
| 80688425 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value at $xx. Current UPB is $xx. |  |  |
| 80688425 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD dated xx/xx/xxxx reflects cash to in the amount of $x,xxx.xx. |  |  |
| 36396010 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 36396010 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate. |  |  |
| 36396010 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 36396010 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved at xx%. Tape shows lender did not document xx month pay history on departing REO. Further details not provided. Lender defect. Subject originated xx/xx/xx and the x year SOL has expired. BWR has x years on the job as a xx. |  |  |
| 36396010 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 24180614 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 24180614 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows fluctuating income from the new job is not supported. Further details not provided. Lender defect. The subject originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x month on the job as an xx with xx. BWR has prior employment experience as a xx between xx/xx/xxxx and xx/xx/xxxx for x.xx years, and FICO xxx. |  |  |
| 24180614 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan closed without an appraisal report. PIW disclosure is missing from the loan documents. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 2497079 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows Hughes Capital/Guardian/HomePartners Loan. Further details are not provided. |  |  |
| 90784868 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows Hughes Capital/Guardian/HomePartners loan. Further details not provided. |  |  |
| 28063788 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows Hughes Capital/Guardian/HomePartners loan. Further details not provided. |  |  |
| 12468453 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Doc Issues | Active | 1: Acceptable | \* Settlement date is different from note date (Lvl 1) | The final CD reflects the closing date as xx/xx/xxxx. The notary's signature date on the mortgage/deed of trust is xx/xx/xxxx. Note: date is xx/xx/xxxx. |  |  |
| 12468453 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows Hughes Capital/Guardian/HomePartners loan. Further details are not provided. |  |  |
| 38617903 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance certificate is missing from the loan documents. |  |  |
| 38617903 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows Hughes Capital/Guardian/HomePartners loan. Further details not provided. |  |  |
| 67512387 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan does not meet the requirements of delayed financing as the loan amount exceeds the documented amount of the borrower's initial investment in purchasing the property plus the financing of closing costs, prepaid fees, and points on the new mortgage loan. As per appraisal report dated xx/xx/xxxx, the subject prior sale/transfer on xx/xx/xxxx in all cash for $xxxK via a grant deed. The subject loan was originated on xx/xx/xxxx (within x months from the prior sale). Appraisal value is $xx and loan amount is $xx. BWRs equity in subject property is $xx. Further details not provided. |  |  |
| 54854613 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan documents. |  |  |
| 54854613 | xx | xx | xx | 249ccfc8-8061-4638-a74f-933a4ad40fc5 | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Credit | Legal Docs | Active | 4: Unacceptable | \* Loan has escrow holdback. No proof it was released (Lvl 4) | The final CD dated xx/xx/xxxx reflects an escrow holdback in the amount of $xx. Proof for the release of the escrow holdback is missing from the loan documents. |  |  |
| 54854613 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 54854613 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 54854613 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape and file show the appraisal report was subject to the completion of renovation. The estimated amount of repairs is $xx. The final CD reflects an escrow holdback of $xx. The xxxxD report is missing from the loan documents. Zillow search shows an estimated value at $xx. Current UPB $xx. |  |  |
| 54854613 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx reflect Appraisal Re-Inspection Fee at $xxx.xx. Final CD dated xx/xx/xxxx reflects Appraisal Re-Inspection Fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br> The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL is expired. |  |  |
| 99451946 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows Hughes Capital/Guardian/HomePartners loan. Further details not provided. |  |  |
| 99451946 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by loan originator is missing from the loan files. |  |  |
| 14639191 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by loan originator is missing from the loan documents. |  |  |
| 14639191 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows foster care income is not supported and BWRx income miscalculation. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWRx has been SE for x.xx years at xx. Additionally, BWRx receives xx; BWRx has x.xx years on the job as a xx; BWRx receives social security and xx, FICO xxx, $xxxK equity in the subject, and $x,xxx residual income. |  |  |
| 95029036 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx, and the loan was underwritten by AUS (Locator #xx), and its recommendation is approve/eligible with a DTI of xx%. |  |  |
| 95029036 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed state regulations for the brokerage/finder fee test due to fees charged $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$xxx.xx.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Processing Fee paid by Borrower: $xxx.xx<br> Underwriting Fee paid by Borrower: $xxx.xx. |  |  |
| 95029036 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 95029036 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows ineligible condominium project. Further details not provided. The appraisal report shows the subject is a detached SFR and not a condominium. Zillow search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 95029036 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/xxxx reflects cash to in the amount of $x,xxx.xx. |  |  |
| 39534506 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 39534506 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan was rejected by US Bank due to a revised FICO score of xxx, and the minimum required FICO score was xxx. Further details not provided. |  |  |
| 39534506 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated x.xxx% Exceeds APR threshold of x.xxx% Over By +x.xxx%. |  |  |
| 63422904 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows rental income miscalculation. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL will expire on xx/xx/xxxx. BWR has x.xx years on the job as a xx, FICO xxx, xXxx in the last xx months, and $xxxK equity in the subject, and residual income $x,xxx. |  |  |
| 63422904 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx, and the loan was underwritten by LP Locator #xx, and its recommendation is Accept/Eligible with a DTI of xx%. |  |  |
| 3278802 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. <br> Loan estimate dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx.<br> Loan estimate dated xx/xx/xxxx reflects Appraisal Fee at $xxx.xx. CD dated xx/xx/xxxx reflects Appraisal Fee at $xxx.xx.<br> This is a cumulative increase in fee of $x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year.<br>Loan failed TRID Total of Payments Test due to Calculated Finance charge of $xxx,xxx.xx exceeds Disclosed Finance charge of $xxx,xxx.xx over by -$xxx.xx. |  |  |
| 3278802 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TILA Finance charge disclosed on Final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx.<br>Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year.<br>Subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 3278802 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan is aged due to delay in property inspection and lender need to refinance the loan or sell it as S&D. Further details not provided. |  |  |
| 3278802 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 3278802 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 11224340 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows BWR was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x months on the job as a xx. Additionally, the BWRx has been SE for x.xx years at xx; BWRx has x years on the job as a lead xx, FICO xxx, and $xxxK equity in the subject. |  |  |
| 11224340 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 11224340 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at $xx. Current UPB: $xx. |  |  |
| 15351240 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 15351240 | xx | xx | xx | ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* LE/CD Issue date test Fail (Lvl 3) | Loan fails compliance delivery and timing test for CD dated xx/xx/xxxx. The document tracker is missing, and x business days were added to get the receipt date of xx/xx/xxxx, which is after the consummation date of xx/xx/xxxx. |  |  |
| 15351240 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | Tape shows the subject condo project is involved in active litigation and is not on the FNMA list of approved condo projects. Loan file is missing condo questionnaire. Further details not provided. Subject closed xx/xx/xx. Appraised value $x.xxM. UPB $xxxK. Elevated for client review |  |  |
| 82382193 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the subject is a unit at the xx condo project in xx, FL, that is older than xx years and is located within x miles from a xx. A structural inspection of the project was not provided by the HOA. Further details not provided. |  |  |
| 82382193 | xx | xx | xx | 74be4ec5-5b69-41dd-8139-7a2f79aff20b | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | \* DSCR is less than 1.00 (Lvl 3) | Net operating income is $xx,xxx.xx and annual payments (Debt Service) are $xx,xxx.xx and the debt service cover ratio (DSCR) is x.xx. |  |  |
| 57547016 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling organizations disclosure is missing from the loan documents. |  |  |
| 57547016 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows lender miscalculation of BWR SE income and BWR has limited credit history. The revised DTI is xx%. Lender defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx Additionally, the BWR has been SE for x.xx years at a xx, FICO xxx, $xxK equity in the subject, and residual income $x,xxx. |  |  |
| 39717554 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from the loan documents. |  |  |
| 39717554 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property, valued at $xx. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 96571614 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | The initial application signed by the loan originator is missing from the loan documents. |  |  |
| 96571614 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject was approved at xx%. Tape shows undisclosed debt. Revised DTI is xx%. Further details not provided. BWR defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, $xxK equity in the subject and $x,xxx residual income. |  |  |
| 96571614 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 96571614 | xx | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing flood cert (Lvl 3) | The flood certificate is missing from the loan documents. |  |  |
| 96571614 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 42272613 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows property is NOO due to BWR misrepresentation as they remained in departure residence. Further details were not provided. Elevated for client review. |  |  |
| 42272613 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 42272613 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 42272613 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report in the loan file is as-is. The photo addendum and improvement section show the notable cracks in the bedroom wall and ceiling. The estimated cost to cure is not available in the loan file. xxxxD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 42272613 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from loan documents. |  |  |
| 42272613 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved as OO at xx%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR departing housing expense. Further details were not provided. BWR defect. The subject originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx. Additionally, BWR has x.xx years on the second job as a xx, FICO xxx, $xxK equity in the subject. |  |  |
| 42272613 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x, with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 15517971 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the AUS was invalidated due to the incorrect appraised value of $xxxK and revised appraised value of $xx, increasing the LTV from xx% to xx%. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 15517971 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | AUS | Active | 3: Curable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) | AUS from the time of closing is missing from the loan documents. Post-close AUS is available and its risk recommendation is Approve/Eligible at xx% DTI. |  |  |
| 15517971 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 15517971 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 15517971 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 15517971 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/xxxx. Initial LE dated xx/xx/xxxx reflects Lender Credit at $x,xxx. Final CD dated xx/xx/xxxx reflects Lender Credit at $x.xx. This is decrease of +$x,xxx for fee which has x% tolerance test.<br>Loan failed charges that cannot increase x% tolerance test. <br> Loan estimate dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. CD dated xxx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx.<br> Loan estimate dated xx/xx/xxxx does not reflect Hybrid E Closing Fee. CD dated xxx/xx/xxxx reflects Hybrid E Closing Fee at $xx.xx.<br> Loan estimate dated xx/xx/xxxx reflects Transfer Taxes at $xxx.xx. CD dated xxx/xx/xxxx reflects Transfer Taxes at $xxx.xx.<br> This is a cumulative increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years. |  |  |
| 15517971 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Missing initial application dated xx/xx/xxxx signed by the loan originator. |  |  |
| 71489390 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 71489390 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 71489390 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Final transmittal summary is missing from the loan documents. |  |  |
| 71489390 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows BWR approved on the subject loan with Jx category VISA is not acceptable as per FNMA guidelines. VISA expiration date is xx/xx/xxxx. Further details not provided. |  |  |
| 52854461 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows lender was not able to verify the BWR's employer. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has x.xx years on the job as an area manager at xx, FICO xxx, and $xxK equity in the subject. |  |  |
| 52854461 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 52854461 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 52854461 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. LE dated xx/xx/xxxx does not reflect points - loan discount fee. CD dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x year SOL has expired.<br>TRID violation due to decrease in lender credit on CD dated xx/xx/xxxx. Initial LE dated xx/xx/xxxx reflects lender credit at $x,xxx. CD dated xx/xx/xxxx reflects lender credit at $x.xx. This is decrease of -$x,xxx for fee which has x% tolerance test. Valid COC for the decrease in NSLC is missing from the loan document. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL has expired. |  |  |
| 69527793 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 69527793 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO due to misrepresentation as BWR listed the subject property for rent after closing, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has x months on the job as a xx, FICO xxx, and $xxK equity in the subject. |  |  |
| 69527793 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| 69527793 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows the subject is NOO due to misrepresentation as BWR listed the subject property for rent after closing. Further details not provided. Elevated for client review. |  |  |
| 88098992 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from loan documents. |  |  |
| 88098992 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows BWR was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x months on the job as a xx, FICO xxx, and $xx equity in the subject. |  |  |
| 88098992 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 88098992 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$x,xxx.xx. <br> The below fee was included in the test:<br> Points - Loan Discount Fee paid by Borrower: $xx,xxx.xx |  |  |
| 88098992 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$x,xxx.xx. <br> The below fee was included in the test:<br> Points - Loan Discount Fee paid by Borrower: $xx,xxx.xx <br>This loan failed the TRID Rate Lock Disclosure Delivery Date Test due to a disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xx/xx/xxxx, xx/xx/xxxx and xx/xx/xxxx. |  |  |
| 88098992 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges than in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at +$x,xxx.xx. This is a cumulative increase of $xx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 33503278 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report is as-is, and the photo addendum shows water damage to the ceiling. A property inspection performed on the subject property revealed multiple issues that pose health and safety hazards and structural integrity issues. xxxxD verifying the completion of suggested repairs and final inspection report verifying the structural integrity of the property by a licensed professional is missing from the loan documents. The estimated amount of repairs is not available, and the final CD does not reflect the escrow holdback amount. |  |  |
| 33503278 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The intent to proceed disclosure is missing from loan documents. |  |  |
| 75156663 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows DU was invalidated due to an increase in LTV from an appraisal obtained post-close. MI coverage obtained was xx% instead of xx% as required. Post-close appraisal is missing from the loan file. Further details not provided. |  |  |
| 75156663 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 75156663 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 75156663 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the x% tolerance test. Initial LE dated xx/xx/xxxx reflects points—loan discount fee at $x,xxx.xx. The final CD dated xx/xx/xxxx reflects points—a loan discount fee at $x,xxx.xx. This is an increase of +$x,xxx.xx for charges that cannot increase x% tolerance tests. A valid COC for an increase in fee is missing from the loan documents.The subject loan is a purchase, originated on xx/xx/xxxx, and the SOL is x year active. |  |  |
| 75156663 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from loan documents. |  |  |
| 8869439 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows closing documents signed on xx/xx/xxxx is one day earlier than it was supposed to be signed. Further details not provided. Infinity compliance result failed delivery and timing test for LE and CD. |  |  |
| 8869439 | xx | xx | xx | ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* LE/CD Issue date test Fail (Lvl 3) | The loan failed the compliance ease of delivery and timing tests for the revised loan estimate dated xx/xx/xxxx electronically signed on xx/xx/xxxx, which is less than x business days before the consummation date of xx/xx/xxxx.<br>Loan failed compliance Ease delivery and timing tests for the initial CD dated xx/xx/xxxx; the initial closing disclosure delivery date is less than six business days before the consummation date. |  |  |
| 34222673 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan is uninsured by VA as the seasoning requirement was not met. Further details not provided. |  |  |
| 34222673 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The VA guaranty certificate is missing from the loan documents. |  |  |
| 65736753 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | VA loan guaranty certificate is missing from the loan documents. |  |  |
| 65736753 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | The loan failed the prohibited fees test. The following fees were included in the test:<br> Attorney's Fee (Closing Agent Only) paid by Borrower: $xxx.xx |  |  |
| 65736753 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan is uninsured by VA as the GNMA seasoning requirement was not met. Further details not provided. |  |  |
| 13151485 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | VA loan guaranty certificate is missing from the loan documents. |  |  |
| 13151485 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan should have closed as a VA assumption loan as the entitlement used on the subject loan was from BWR's ex-spouse. Further details not provided. |  |  |
| 13151485 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA Foreclosure Rescission Finance Charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xx.xx. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years.<br>Loan failed TILA Post-Consummation Revised Closing Disclosure Foreclosure Rescission Finance Charge test. Finance charge disclosed on post CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xx.xx. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years. |  |  |
| 13151485 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 83137599 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial CD is missing from loan file. |  |  |
| 83137599 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | Compliance ease TRID tolerance test incomplete due to initial closing disclosure is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the SOL is x year. |  |  |
| 83137599 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. The tape shows the lender did not establish three years of continuous retirement distribution income. Review shows lender also miscalculated rental income and the revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR receives retirement income, FICO xxx, xXxx since inception, and $x,xxx residual income. |  |  |
| 53571136 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | Q-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. The tape shows rental income miscalculation by the lender. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.x years on the job as a xx, FICO xxx, xXxx since inception, $xx equity in the subject, and $x,xxx residual income. |  |  |
| 53571136 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | Q-TRID | QC Complete | North Carolina | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Final transmittal summary is missing from the loan documents. |  |  |
| 53571136 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | Q-TRID | QC Complete | North Carolina | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the photo addendum shows the repairs or improvements to the bathroom were not fully completed. The estimated cost to cure is not available in the loan file. xxxxD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 53571136 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Q-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate. |  |  |
| 87625069 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows undisclosed auto debt with a monthly payment of $xxx. The revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, xXxx since inception, $xxK equity in the subject, and residual income $x,xxx. |  |  |
| 26310222 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows an income miscalculation over the BWR bonus and the subject is NOO as BWR never occupied the subject property causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x years on the job as a xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. |  |  |
| 26310222 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase case that originated on xx/xx/xxxx, and the x-year SOL is active. |  |  |
| 26310222 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 26310222 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect Survey Fee. CD dated xx/xx/xxxx reflects Survey Fee at $xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. Valid COC is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/xxxx, and the x-year SOL is active. |  |  |
| 26310222 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject was approved as OO. Tape indicates that the property is NOO as BWR never occupied the subject property. Further details not provided. Elevated for client review. |  |  |
| 26310222 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails Compliance Ease delivery and timing test for Revised Closing Disclosure dated xx/xx/xxxx. Document tracker is missing and x business days were added to get receipt date xx/xx/xxxx which is after the consummation date xx/xx/xxxx. |  |  |
| 57706992 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed Compliance Ease delivery and timing test for revised closing disclosure dated xx/xx/xxxx. Document tracker is missing and x business days were added to get receipt date xx/xx/xxxx which is on the Consummation date xx/xx/xxxx. |  |  |
| 57706992 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows lock fallout. Further details are not provided. |  |  |
| 57706992 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the late fees test.<br> Late fee calculated at $xxx.xx exceeds the threshold of $xxx.xx by $xx.xx. |  |  |
| 57706992 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 20500393 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan is unsalable as the BWR intended to sell the property, and the property was never sold. Further details not provided. |  |  |
| 20500393 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. The initial loan estimate dated xx/xx/xxxx reflects verification fee of $xxx.xx. The final CD dated xx/xx/xxxx reflects verification fee of $xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case that originated on xx/xx/xxxx; the SOL is x year active. |  |  |
| 20500393 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | ComplianceEase exception failed the reimbursement amount validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 85842799 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape reflects an increased DTI of xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x months on the job as a xx, FICO xxx, xXxx since inception, $xxK equity in the subject, and $x,xxx residual income. |  |  |
| 85842799 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows the condo project is not accepted. Further details not provided. The condo questionnaire in the file reflects a special assessment of roof replacement, totaling an amount of $xx, and the HOA is involved in active litigation and the total claim amount is $xx. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 85842799 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 8702064 | xx | xx | xx | c3e6361e-df5f-4c53-9b34-b137e5a1b580 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Credit | Active | 1: Acceptable | \* LTV / CLTV > 100% (Lvl 1) | Collateral value used for underwriting is $xx. Amount of secondary lien is $xx. Superior loan amount is $xx. LTV is xx% and CLTV is xx%. Current UPB is $xx. |  |  |
| 8702064 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows income used for qualification exceeded the maximum compliance income allowed by WHEDA. Further details not provided. |  |  |
| 81358413 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 81358413 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows appraised value of $xx at closing is not supported as field review report reflected a lower value of $xx. The appraisal report shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x, with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. Further details not provided. |  |  |
| 81358413 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br>The subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 3478009 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows undisclosed debt with a monthly payment of $x,xxx. Further details not provided. BWR defect. The subject originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.xx years on the job as a xx. BWRx has x.xx years on the job as a xx, FICO xxx, xXxx since inception, and $xx equity in the subject and residual income $x,xxx. |  |  |
| 3478009 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete as the initial CD is missing from loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the SOL is x year. |  |  |
| 3478009 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | The initial closing disclosure is missing from the loan documents. |  |  |
| 50869863 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 50869863 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and the appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x, with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. Further details not provided. |  |  |
| 50869863 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the Kansas license validation test. |  |  |
| 47266896 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulation for the first lien prohibited fees test. <br> The following fees were included in the test:<br> Processing Fee paid by Borrower: $xxx.xx<br> Underwriting Fee paid by Borrower: $xxx.xx. |  |  |
| 47266896 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows rental income miscalculation as the lender did not obtain supporting documents. Revised DTI xx%. Lender defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWRx and BWRx have been SE for x years at xx, FICO xxx, xXxx since inception, and $xxxK equity in the subject. |  |  |
| 47266896 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 96750535 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | As per the tape and appraisal, the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Market value of the subject property ($xx) is closest to the adjusted sales price ($xx) of comparable #x. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 96750535 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved at xx%. Review of files shows BWRs were on leave at the time of closing and there was no return to work docs in file. Further details not provided. Lender defect. Subject originated xx/xx/xx and the x year SOL is active. BWRx has x years as a xx. BWRx has x years as a nurse at Carle Hospital. FICO xxx. $xxxK equity in subject. |  |  |
| 96750535 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 84323873 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* Right of Rescission missing or unexecuted (Lvl 3) | Right of rescission is missing from the loan documents. |  |  |
| 84323873 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulation for the first lien prohibited fees test. The following fees were included in the test:<br> Processing Fee paid by Borrower: $xxx.xx<br> Underwriting Fee paid by Borrower: $xxx.xx. |  |  |
| 84323873 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Market value of the subject property ($xx) is closest to the adjusted sales price ($xx) of comparable #x. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 15492106 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect points - loan discount fee. CD dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 15492106 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 15492106 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows income miscalculation as the lender did not average variable income. Review shows the revised DTI is xx%. Lender defect. Further details not provided. The subject originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx. BWRx has x.xx years on the job as a xx, FICO xxx, xXxx since inception, $xxxK equity in the subject, and $x,xxx residual income. |  |  |
| 15492106 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails QM lending policy points and fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Processing Fee paid by Borrower: $xxx.xx<br> Underwriting Fee paid by Borrower: $xxx.xx |  |  |
| 15492106 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Processing Fee paid by Borrower: $xxx.xx<br> Underwriting Fee paid by Borrower: $xxx.xx |  |  |
| 3744603 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d).<br>Loan failed qualified mortgage safe harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. Subject loan is escrowed. |  |  |
| 3744603 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed qualified mortgage APR threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. |  |  |
| 3744603 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | AUS | Active | 3: Curable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) | The AUS report is missing from the loan documents. |  |  |
| 3744603 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 3744603 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. |  |  |
| 3744603 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and Infinity compliance report shows the loan failed the HPML test. The subject loan is escrowed. Further details not provided. |  |  |
| 3744603 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed GSE (Fannie Mae public guidelines) QM APR test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. |  |  |
| 3744603 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| 66766463 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. <br> Loan estimate dated xx/xx/xxxx reflects appraisal fee at $xxx.xx. CD dated xx/xx/xxxx reflects appraisal fee at $xxx.xx.<br> Loan estimate dated xx/xx/xxxx reflects credit report fee at $xxx.xx. CD dated xx/xx/xxxx reflects credit report fee at $xxx.xx.<br> This is a cumulative increase in fee of $xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject is a purchase case originated on xx/xx/xxxx, and the x-year SOL is active. |  |  |
| 66766463 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed delivery date test for revised CD dated xx/xx/xxxx. Document tracker is missing and x business days were added to get receipt date xx/xx/xxxx which is after the consummation date xx/xx/xxxx. |  |  |
| 66766463 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 66766463 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Final xxxx is missing from the loan documents. Post-close xxxx with different loan terms is available and located at xx. |  |  |
| 66766463 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | AUS | Active | 3: Curable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) | AUS report is missing from the loan documents. |  |  |
| 66766463 | xx | xx | xx | 84c89ff6-f288-4cec-987b-ea9e4c6be28d | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Doc Issue | Active | 3: Curable | \* Mortgage - Missing required ARM Rider (Lvl 3) | ARM rider is missing from the loan file. |  |  |
| 66766463 | xx | xx | xx | 0270b5a0-6846-4580-a03f-12f44a18d0d3 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4) | Tape and file show subject note is defective. Subject loan closed as an ARM. Note is fixed. Reaching out to counsel for remediation. |  |  |
| 66766463 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| 89610076 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | Final transmittal summary is missing from the loan documents. |  |  |
| 89610076 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 89610076 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx does not reflect Rate Lock Fee. Final CD dated xx/xx/xxxx reflects Rate Lock Fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL is expired. |  |  |
| 89610076 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 89610076 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU Locator xx and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| 89610076 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). <br>Loan failed the MD COMAR higher-priced mortgage loan test due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. <br>. |  |  |
| 89610076 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows miscalculation of gift funds. Review of the file shows bank statements, a gift letter missing from the loan documents, and a cash-to-close requirement is $xxK. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWRx has x months on the job as a xx; BWRx has x.xx years on the job as a data provisioner at xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. |  |  |
| 89610076 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 89610076 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed FHA QM Safe Harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. |  |  |
| 78987039 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows lender missed the undisclosed student loan debt with a monthly payment of $xxx that was opened prior to closing. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.xx years on the job as a xx, BWRx has been SE for x.x years at xx, FICO xxx, xXxx since inception, $xxxK equity in the subject and $x,xxx residual income. |  |  |
| 80469061 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows an undisclosed HOA debt of REO with a monthly payment of $xx. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has been SE for x.xx years at xx; BWRx has been SE for x.xx years at xx, FICO xxx, $xxK equity in the subject and $xx,xxx residual income. |  |  |
| 90363091 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR's new job has fluctuating income. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWRx has x months on the job as a xx. Additionally, BWRx was SE for x years as a xx. BWRx has x years on the job as a xx, VA, FICO xxx, and $xxK equity in the subject. |  |  |
| 90363091 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. Final CD dated xx/xx/xxxx reflects cash to in the amount of $xxx.xx. |  |  |
| 85840727 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the tape and appraisal report show the property needs repairs to the rotten wood on the exterior of the home. The estimated cost to cure is not available in the loan file. The xxxxD completion report is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 71017599 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject loan closed with BWR as an LLC and title vested in the name of xx. Canadian DL and passport shows BWR is a Canadian citizen. Elevated for client review. |  |  |
| 44503647 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 44503647 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape and file show miscalculation as lender treated mortgage as monthly when it should be bi-weekly. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has xx.xx years on the job as xx, FICO xxx, xXxx since inception, $xxK equity in the subject, and $x,xxx residual income. |  |  |
| 82048849 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | Home is affixed. As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "xx" state that the manufactured home with serial # xx has been affixed to the permanent foundation. |  |  |
| 82048849 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 82048849 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is not eligible for cash-out refinance as the subject property is a single wide MH. Further details not provided. |  |  |
| 82048849 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. |  |  |
| 18910160 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 18910160 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan approved at a CLTV of xx% exceeds the CLTV threshold of xx% for manufactured housing. Further details not provided. Zillow shows an estimated value of $xx. Current UPB $xx. |  |  |
| 18910160 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Valuation | Property | Active | 3: Curable | \* Property is Manufactured Housing (Lvl 3) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured housing. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "xx" state that the manufactured home with serial # xx has been affixed to the permanent foundation. TPOL schedule B shows an exception for prior affidavit of affixation recorded on xx/xx/xxxx. |  |  |
| 12524526 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWRx was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x years on the job as a xx; BWRx has x months on the job as a xx, FICO xxx, xXxx since inception and $xxK equity in the subject. |  |  |
| 12524526 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 12524526 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the state regulations for the prohibited fees test. The below fees were included in the test: Courier Fee paid by Seller: $xx.xx HOA Working Capital paid by Borrower: $xxx.xx Homeowner's Dues paid by Borrower: $xxx.xx Real Estate Commission paid by Seller: $xx,xxx.xx Release Services paid by Seller: $xx.xx Seller Attorneys Fee paid by Seller: $x,xxx.xx Sewer BILL paid by Borrower: $xx.xx Sewer Bill paid by Seller: $xx.xx Title - Tax Report paid by Borrower: $xx.xx Title Closing Protection Letter paid by Borrower: $xx.xx Title Transaction Management paid by Borrower: $xx.xx Warehousing Fee paid by Borrower: $xx.xx. |  |  |
| 30740647 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is NOO and was approved at xx%. Tape shows BWR was not employed at the time of closing. BWR defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.xx years on the job as an xx. BWRx has x months on the job as an IR tech at xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. |  |  |
| 30274828 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | OM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/xxxx reflects cash to the borrower in the amount of $xxx.xx. |  |  |
| 30274828 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | OM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows undisclosed debt with monthly payments of $xxx. Revised DTI is xx%. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x months on the job as an xx. BWRx has x months on the job as a xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. |  |  |
| 30274828 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | OM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on Closing Disclosure dated xx/xx/xxxx. Initial LE dated xx/xx/xxxx reflects lender credit at $x,xxx. Final CD dated xxx/xx/xxxx reflects lender credit at $x,xxx.xx. This is decrease of +$xxx.xx for fee which has x% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL is expired. |  |  |
| 45707348 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 45707348 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from loan documents. |  |  |
| 45707348 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan closed with xx% LTV using an appraised value of $xx does not meet FHA guidelines as the subject loan is being refinanced within a year. Using the purchase price of $xx LTV increases from xx% to xx%. |  |  |
| 37380914 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan shared an AUS/LP key with another file that closed simultaneously for the same borrower, different property. Review shows BWR was refinancing departing residence at same time of subject mortgage. Lender properly included PITI and rental income from departing residence. |  |  |
| 37380914 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete due to the initial CD missing from loan documents. |  |  |
| 37380914 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. |  |  |
| 37380914 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 74938097 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan does not meet VA net tangible benefit requirements for a refinance loan. Purpose of loan was to avoid the prior default. Further details not provided. |  |  |
| 74938097 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. Subject loan is a refinance case, originated on xx/xx/xxxx and the x-year SOL is active. Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. Subject loan is a refinance case, originated on xx/xx/xxxx and the x-year SOL is active. |  |  |
| 74938097 | xx | xx | xx | 42fa4669-fe5d-412e-9c32-21b87047de7c | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* Revised Loan Estimate is missing (Lvl 3) | Revised LE dated xx/xx/xxxx and xx/xx/xxxx are missing from the loan documents. |  |  |
| 24577866 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows income not supported as the BWR qualified with military housing stipend income without a history of receipt of the stipend. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR started a new job on xx/xx/xxxx as a registered xx, FICO xxx, xXxx since inception and $xxK equity in the subject.<br>Downgrade to LVLx based on PH. |  |  |
| 32313554 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final xxxx application is missing from the loan file. |  |  |
| 32313554 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | A Lost Note affidavit located in the loan file at "xx" which states that the Original Note has been misplaced or lost. However copy of Note also found in the loan file. |  |  |
| 48819550 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows income miscalculation as dividend income was declining. Review shows DTI xx%. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x years on the job as a xx. BWRx has x months on the job as a sales manager with xx. Additionally, BWRx receives dividend income, FICO xxx, xXxx since inception, and $xx equity in the subject. |  |  |
| 48819550 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. |  |  |
| 48819550 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Settlement services provider list is missing from the loan documents. |  |  |
| 48819550 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 48819550 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 48819550 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 48819550 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete as the initial CD is missing from loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x-year SOL is expired. |  |  |
| 20295823 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows variable income is not supported by x years of history. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.xx years on the job as a xx, BWRx has xx.xx years on the job as a teacher with xx, FICO xxx and $xxxK equity in the subject. Review shows ATR is supported. |  |  |
| 92014440 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows wind coverage on master insurance is insufficient since it does say "replacement cost." The master policy does not reflect replacement cost or wind coverage information. Further details not provided. |  |  |
| 92014440 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 15241506 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows compliance violation. Further details are not provided. Infinity compliance results show that this loan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. |  |  |
| 15241506 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the TRID initial closing disclosure date and the date the creditor received the application validation test due to this loan containing an initial closing disclosure receipt date of xx/xx/xxxx that is before the date the creditor received the application date of xx/xx/xxxx. |  |  |
| 15241506 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 15241506 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| 15241506 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the brokerage/finder fee test due to the mortgage loan charges a brokerage/finder fee that exceeds x% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee. |  |  |
| 17161484 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape reflects an increased DTI of xx%. Further details are not provided. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx%, FICO xxx, xXxx since inception, and $x,xxx residual income. Review shows ATR confirmed. |  |  |
| 17161484 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 17161484 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete as the initial CD is missing from loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x-year SOL is expired. |  |  |
| 17161484 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | The initial CD is missing from the loan documents. |  |  |
| 17161484 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 17161484 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of $xx and a Current UPB of $xx. |  |  |
| 17161484 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows an ineligible condo project. Review of the condo questionnaire shows a deferred maintenance schedule for wood siding replacement and full building fumigations for termites scheduled for xxxx. The estimated amount for repair is $xx per unit. xxxxD or the inspection report for the completion of pest inspection treatment is missing from the loan documents. Further details not provided. |  |  |
| 17161484 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 17161484 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/xxxx reflects cash to in the amount of $x,xxx.xx. |  |  |
| 17161484 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | The settlement services provider list is missing from the loan documents.<br> Home loan toolkit is missing from the loan documents. |  |  |
| 5629975 | xx | xx | xx | 64b4e88c-ac9f-44af-bd44-81df53d25df8 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Closing_Disclosure violations (Lvl 3) | Revised CD dated xx/xx/xxxx is missing from the loan documents. Post-CD dated xx/xx/xxxx is missing from the loan documents. |  |  |
| 5629975 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final closing disclosure is missing from the loan documents. |  |  |
| 5629975 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Settlement services provider list is missing from the loan documents. |  |  |
| 5629975 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 3: Curable | \* Notice of Servicing Transfer missing or unexecuted (Lvl 3) | Servicing transfer disclosure is missing from the loan documents. |  |  |
| 5629975 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 5629975 | xx | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial LE (Lvl 3) | Initial LE dated xx/xx/xxxx is missing from the loan documents. |  |  |
| 5629975 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 5629975 | xx | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing flood cert (Lvl 3) | Flood certificate is missing from the loan documents. |  |  |
| 5629975 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 5629975 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows exceeds QM points and fees x% limit by roughly $xxx.xx. Infinity did not test CE on this loan as LE and CD are missing from loan documents. |  |  |
| 5629975 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 5629975 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial CD dated xx/xx/xxxx is missing from the loan documents. |  |  |
| 18701833 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows there are issues with occupancy causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx receives retirement income and rental income. BWRx has x.xx years on the job as an xx, FICO xxx, and $xxK equity in the subject. |  |  |
| 18701833 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows there are issues with occupancy. Further details not provided. Elevated for client review. |  |  |
| 18701833 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed the state regulations for the prohibited fees test. The following fees were included in the test: Attorney's Fee paid by Seller: $x,xxx.xx Real Estate Commission paid by Borrower: $xx,xxx.xx Real Estate Commission-Seller paid by Seller: $xx,xxx.xx Tax Certificate Fee paid by Borrower: $xx.xx Title Closing Protection Letter (CPL) paid by Borrower: $xx.xx Wire Transfer Fee paid by Seller: $xx.xx. |  |  |
| 22254666 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM_TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 22254666 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM_TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWRx was not employed at the time of closing. BWRx income not used for qualification. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.xx years on the job as a xx, FICO xxx, xXxx since inception, and $xx equity in the subject. |  |  |
| 22254666 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM_TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$xxx.xx.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Processing Fee paid by Borrower: $xxx.xx<br> Underwriting Fee paid by Borrower: $x,xxx.xx.<br>Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$xxx.xx.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Processing Fee paid by Borrower: $xxx.xx<br> Underwriting Fee paid by Borrower: $x,xxx.xx. |  |  |
| 22254666 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM_TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance policy is missing from the loan documents. |  |  |
| 75169659 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject approved as NOO. Tape shows the property was listed for sale within x months of closing and has been delisted now. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 75169659 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as-is. The supplemental and the photo addendum show cracks on the interior of the home, which indicate foundation settlement. The estimated cost to cure is $xx. xxxxD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 61190697 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 61190697 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 61190697 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xxx.xx. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL is active.<br>TRID violation due to decrease in lender credit on Closing Disclosure dated xx/xx/xxxx. Initial CD dated xx/xx/xxxx reflects lender credit at $xxx.xx. Final CD dated xx/xx/xxxx reflects lender credit at $x.xx. This is decrease of +$xxx.xx for fee which has x% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. |  |  |
| 61190697 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 61190697 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows the omission of mortgage debt by the lender. Revised DTI is xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, $xxK equity in the subject and $x,xxx residual income. |  |  |
| 21685947 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$x,xxx.xx. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $x,xxx.xx<br> Mortgage Broker Fee (Indirect) $xx,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $xx,xxx.xx<br>Loan failed qualified mortgage lending policy points and fees test due to fees charged $xx,xxx.xx fees threshold $xx,xxx.xx over By +$x,xxx.xx.<br> Administration Fee paid by Borrower: $x,xxx.xx<br> Mortgage Broker Fee (Indirect) $xx,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $xx,xxx.xx |  |  |
| 21685947 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows SE income miscalculation, as the lender used only a x-year tax return. Revised DTI xx%. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has been SE for x.xx years with xx. BWRx has xx.xx years on the job as a xx, a FICO score of xxx, $xxxx residual income and $xxK equity in the subject. |  |  |
| 25954116 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$x,xxx.xx.<br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $xx,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br>Loan fails QM lending policy points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$x,xxx.xx. <br> The following fees were included in the test:<br> Mortgage Broker Fee (Indirect) $xx,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx |  |  |
| 25954116 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows overtime income miscalculation. Revised DTI is xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.x years on the job as a xx, FICO xxx, $xxK equity in the subject and $x,xxx residual income. |  |  |
| 81421778 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| 81421778 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 81421778 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject property was flipped and was not seasoned for xx days. The review of the appraisal report shows the date of prior sales or transfers is xx/xx/xxxx, and the price of the prior sale or transfer was $xx. The current sale price is $xx. No major renovations were done to the property. Zillow search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 81421778 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| 81421778 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 81421778 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges in total cannot increase more than xx% in the tolerance test. The LE dated xx/xx/xxxx reflects the sum of Section C fees and recording fees at $xx.xx. CD dated xx/xx/xxxx reflects the sum of Section C and the recording fee at $xxx.xx. This is a cumulative increase of +$xx.xx for charges that in total cannot increase more than xx% in the test. COC for the increase in fee is missing from the loan documents. The subject loan is a purchase originated on xx/xx/xxxx, and the SOL is x year. |  |  |
| 81421778 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) | The affiliated business disclosure is missing from the loan documents. |  |  |
| 35115211 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 35115211 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan documents. |  |  |
| 35115211 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The seller's tape data shows LNA w/copy of note. The lost note affidavit is not available in the file. The copy of the note is available in the loan documents at xx. Further details are not provided. |  |  |
| 35115211 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Finance charge disclosed on Final TIL as $xxx,xxx.xx. The calculated finance charge is $xxx,xxx.xx for an undisclosed amount of -$xxx.xx. TILA Foreclosure Rescission Finance Charge Test due to finance charge disclosed on Final TIL as $xxx,xxx.xx. The calculated finance charge is $xxx,xxx.xx for an undisclosed amount of -$xxx.xx. |  |  |
| 62341034 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject was approved at xx%. Tape shows employment misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has xx years on the job as a xx; BWRx has been an SE for x.xx years at xx, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. |  |  |
| 62341034 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations. |  |  |
| 62341034 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the subject loan is non-QM/ATR non-compliant. Further details not provided. |  |  |
| 62341034 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/xxxx, reflects Points - Loan Discount Fee at $xx,xxx.xx. This is an increase in fees of +$xx,xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case originated on xx/xx/xxxx, and the x-year SOL has expired. |  |  |
| 8177316 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan documents. Zillow search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 8177316 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 8177316 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | ARM loan program disclosure is missing from the loan documents. |  |  |
| 8177316 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 8177316 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test as the final TIL is missing from the loan documents. |  |  |
| 8177316 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows HUD-x is missing. Review of the loan file shows HUD-x is available and CE was tested. |  |  |
| 8177316 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | Final settlement statement not hand-dated by the borrower. |  |  |
| 93252911 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows a SBA loan of $xxx,xxx was not recognized during UW. Review of file shows monthly payment for SBA loan not included in DTI calculations. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR receives pension and social security income, FICO xxx, xXxx in the last xx months. |  |  |
| 93252911 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL has expired.<br>Loan failed charges that in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $x,xxx.xx. This is a cumulative increase of +$xxx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 93252911 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 93252911 | xx | xx | xx | 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | LTV | Active | 4: Unacceptable | \* LTV or CLTV exceeds 104% (Lvl 4) | Collateral value used for underwriting is $xx. The amount of the secondary lien is $xx and another lien of $xx. Loan amount is $xx. LTV is xx% and CLTV is xx%. Current UPB is $xx. |  |  |
| 93252911 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 63149668 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 63149668 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the subject is a non-QM/ATR non-compliant loan. Further details not provided. |  |  |
| 63149668 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | The tape shows a minimum reserve requirement short of $xx. Total available assets as per review of the bank statement are $xx,xxx.xx with EMD, satisfying the cash-to-close requirement of $x,xxx.xx. Further details not provided. The subject loan originated on xx/xx/xxxx. BWR has x months on the job as a worker at xx, FICO xxx, and $xxK equity in the subject. |  |  |
| 63149668 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| 28810295 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | Home is affixed. As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "xx" state that the manufactured home with model name Astro has been affixed to the permanent foundation. |  |  |
| 28810295 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan failed FHA QM Safe Harbor Test threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. |  |  |
| 28810295 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The appraisal report is subject to the completion of construction. xxxxD is missing from the loan documents. Subject originated in xxxx. Current UPB $xx. |  |  |
| 28810295 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | FHA mortgage insurance certificate is missing from loan documents. |  |  |
| 28810295 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test as the calculated finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate because it is understated by more than -$xx,xxx.xx. Loan failed TILA APR test due to APR calculated x.xxx% exceeds APR threshold x.xxx% over by - x.xxx%. Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years. |  |  |
| 28810295 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure signed by borrower is missing from loan documents. |  |  |
| 28810295 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows ATR risk. Further details not provided. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWRx receives social security income. BWRx receives social security income, FICO xxx, xXxx in the last xx months, and $xx equity in the subject. |  |  |
| 28810295 | xx | xx | xx | c71430b9-0b8d-4618-9ecc-090172ed7603 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Valuation | Valuation | Active | 2: Acceptable with Warnings | \* Subject property is a multi-family (Lvl 2) | Tape shows SF. Appraisal in file is subject to construction. Zillow and Redfin show subject may be a multi family or an apartment building. Assessor report confirms subject is doublewide on a concrete slab. Elevated for client review. |  |  |
| 28810295 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | The loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a)(x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulations xxxx.xx(b), (c), and (d). |  |  |
| 28810295 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | Final GFE is missing from the loan documents. |  |  |
| 28810295 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the subject is a non-QM/ATR non-compliant loan and is seasoned more than x years. Further details not provided. |  |  |
| 28810295 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 33411757 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been an SE for x.xx years at xx, FICO xxx, and xXxx in the last xx months. |  |  |
| 33411757 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the subject is a non-QM/ATR non-compliant loan. Further details not provided. |  |  |
| 33411757 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 51527259 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the subject loan is non-QM/ATR non-compliant. Further details not provided. |  |  |
| 51527259 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject was approved at xx%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. |  |  |
| 57709570 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows the subject is NOO due to misrepresentation causing the lender to omit primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x months on the job as an xx BWRx has x months on the job as an xx, FICO xxx, xXxx in the last xx months, and $xx equity in the subject. |  |  |
| 57709570 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 57709570 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 57709570 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. The loan estimate dated xx/xx/xxxx does not reflect Points - Loan Discount fee. The CD dated xx/xx/xxxx reflects Points - Loan Discount fee at $x,xxx.xx. This is an increase in fees of +$x,xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase originated on xx/xx/xxxx, and the x-year SOL has expired. |  |  |
| 57709570 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review. |  |  |
| 43261438 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx. Tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x months on the job as a xx. BWRx has x.xx years on the job as a xx, FICO xxx, and xXxx in the last xx months. |  |  |
| 43261438 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | The loan fails the Qualified Mortgage Lending Policy points and fees test because the fees charged, $x,xxx.xx, exceed the fees threshold of $x,xxx.xx by $xxx.xx. The below fees were included in the test: Administration Fee paid by Borrower: $xx.xx Points—Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx |  |  |
| 43261438 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan closed without appraisal. PIW disclosure signed by the borrower is missing from the loan documents. A Zillow search shows an estimated value of $xx. Current UPB: $xx. |  |  |
| 43261438 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $x,xxx.xx. Exceeds fees threshold of $x,xxx.xx by $xxx.xx. The below fees were included in the test: Administration Fee paid by Borrower: $xx.xx Points—Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx |  |  |
| 43261438 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the subject is a non-QM/ATR non-compliant loan. Further details not provided. |  |  |
| 43261438 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review. |  |  |
| 43261438 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 90054483 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| 90054483 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the comment addendum shows that the concrete drive needs repair and the front stoop has started to settle. The estimated cost of repairs is $xx. xxxxD, or an inspection report verifying the structural integrity of the subject is missing from the loan document. The final CD does not reflect the escrow holdback. |  |  |
| 90054483 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows that the loan is uninsured, as the property was flipped and does not meet the seasoning period requirement. The date of the prior sale or transfer was xx/xx/xxxx for a sales price of $xx. The subject loan closed with a sales price of $xx. The kitchen and bathroom were remodeled less than a year ago. Further details not provided. |  |  |
| 57168596 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 57168596 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the subject is a non-QM/ATR non-compliant loan and is seasoned more than x years. Further details not provided. |  |  |
| 57168596 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR working hours on the paystub did not match with hours on VOE. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has x.xx years on the job as a xx, and FICO xxx. |  |  |
| 85328634 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 85328634 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 85328634 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows ATR risk. Further details not provided. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWRx receives social security income. BWR has been an SE for x years at xx, FICO xxx, xXxx in the last xx months, and $xxxK equity in the subject. |  |  |
| 85328634 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | AUS | Active | 2: Acceptable with Warnings | \* Missing DU/GUS/AUS as required by guidelines (Lvl 2) | AUS report is missing from the loan documents. |  |  |
| 85328634 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx does not reflect Appraisal Re-Inspection Fee. Final CD dated xx/xx/xxxx, reflects Appraisal Re-Inspection Fee at $xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. |  |  |
| 85328634 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | Intent to proceed is missing from the loan documents. |  |  |
| 85328634 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows CD not provided to spouse x days prior to closing. Further details not provided. Infinity compliance report does not fail the TRID delivery and timing test. |  |  |
| 19172309 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Loan failed state regulations for the brokerage/finder fee test due to fees charged of $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$x,xxx.xx.<br> The following fees were included in the test:<br> Loan Origination Fee paid by Borrower: $x,xxx.xx<br> Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Processing Fee paid by Borrower: $xxx.xx<br> Underwriting Fee paid by Borrower: $xxx.xx<br> Tax Related Service Fee paid by Borrower: $xx.xx. |  |  |
| 35450316 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase case originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 35450316 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | The tape shows the subject is a non-QM/ATR non-compliant loan. Further details not provided. |  |  |
| 35450316 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows undisclosed debt. Further details not provided. BWR defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.xx years on the job as a xx at xx and BWRx has x.x years on the job as a xx, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. |  |  |
| 35450316 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. The initial loan estimate dated xx/xx/xxxx does not reflect points - loan discount fee. The final CD dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. This is an increase in fees of $x,xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL has expired. |  |  |
| 35450316 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. The calculated finance charge is $xxx,xxx.xx for an undisclosed amount of -$xxx.xx. The reason for the finance charge under disclosure is unknown as the fee itemization is missing. The subject loan is a purchase case originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 57116423 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| 57116423 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Pre-QM | QC Complete | New Mexico | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| 57116423 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | New Mexico | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 57116423 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Pre-QM | QC Complete | New Mexico | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 57116423 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | New Mexico | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 57116423 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | Pre-QM | QC Complete | New Mexico | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| 57116423 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | New Mexico | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan documents. Zillow search shows an estimated value at $xx. Current UPB is $xx. |  |  |
| 57116423 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 57116423 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | New Mexico | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows missing HUD-x. Review of the loan file shows HUD-x is missing from the loan documents. |  |  |
| 57116423 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Pre-QM | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x, along with estimated HUD-x and fee itemization, is missing from the loan documents. |  |  |
| 62105179 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA APR test due to calculated APR of x.xxx% exceeds Disclosed APR of x.xxx% under disclosed by x.xxx%. Final TIL is missing from the loan documents. |  |  |
| 62105179 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the prepayment term test due to the loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property<br> is located. |  |  |
| 62105179 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 62105179 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan documents. |  |  |
| 62105179 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| 62105179 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 62105179 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal is missing from the loan documents. A Zillow search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 62105179 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| 62105179 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | The prepayment rider is missing from the loan documents. |  |  |
| 62105179 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 62105179 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | The final truth in lending is missing from the loan documents. |  |  |
| 62105179 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The seller's tape data shows an AOM break. Further details not provided. |  |  |
| 62105179 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The lost note affidavit available in the file located at xx shows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at xx. |  |  |
| 50855013 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 50855013 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 50855013 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx.xx%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has xx.xx years on the job as a xx. BWRx has x.xx years on the job as a xx. BWRx has xx.xx years on the job as a xx, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. |  |  |
| 50855013 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the subject is a non-QM/ATR non-compliant loan. Further details not provided. |  |  |
| 50855013 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/xxxx, reflects Points - Loan Discount Fee at $xx,xxx.xx. This is an increased fee in the amount of +$xx,xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL is expired. |  |  |
| 50855013 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The tape shows appraisal report subject to and completion cert does not address all subject to issues. Appraisal report shows subject to the gas being turned on and approval of the legality of the ADU with legal permits for residential use. The main house was measured to be approx. x,xxx sq.ft. with x bedrooms and x bathrooms. Public records indicate that the home was built in xxxx with sq.ft.xxx (x bedroom and x bathroom). The intended user approving the legality of the guest house and the extra sq.ft., bedrooms and bath for the main house. Available xxxxD shows the gas was turned for the both units of subject property and does not provide any information about approval of the legality of the ADU with legal permits for residential use. Further details not provided. xx search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 7390293 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 7390293 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows rental income from ADU used for qualification is not acceptable as per Freddie Mac guidelines. Further details not provided. Lender defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWR has xx.xx years on the job as a xx. Additionally, the BWR has x.xx years on the job as a xx, FICO xxx, xXxx since inception, and $xxxK equity in the subject. Review shows ATR confirmed. |  |  |
| 7390293 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the subject is a non-QM/ATR non-compliant loan. Further details not provided. |  |  |
| 66828233 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect lock extension. Final CD dated xx/xx/xxxx reflects lock extension at $xxx.xx. Loan estimate dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. This is a cumulative increase in fees of $xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/xxxx, and the x-year SOL has expired. |  |  |
| 66828233 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations..<br>This loan failed the Pennsylvania license validation test. |  |  |
| 66828233 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 66828233 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the subject is a non-QM/ATR non-compliant loan and is seasoned more than x years. Further details not provided. |  |  |
| 66828233 | xx | xx | xx | 601e35f8-825b-41b5-afa6-d4c3566a1df2 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Property | Active | 3: Curable | \* Property is Mixed Use (Lvl 3) | The tape and appraisal report show the subject is a mixed-use property as the subject is a working farm and the subject property has a recorded agreement in place for a xrd party to harvest existing Christmas trees planted on the subject property. Further details not provided. Elevated for client review. |  |  |
| 66828233 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the photo addendum shows broken lights, a screen door, and missing trim or paint. The cost to cure is not available. The xxxxD report is missing from the loan documents. The final CD does not reflect escrow holdback. |  |  |
| 70290718 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 70290718 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal is missing from the loan documents. A Zillow search shows an estimated value of $xx. Current UPB: $xx. |  |  |
| 70290718 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-x, along with itemization of fee and estimated HUD-x, is missing from the loan documents. |  |  |
| 70290718 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape and review of the loan file show the final HUD-x is missing from the loan documents. |  |  |
| 70290718 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The lost note affidavit available in the file located at "xx" shows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at "xx." |  |  |
| 70290718 | xx | xx | xx | 145d6e17-2165-4f5a-8058-8c02e362107f | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 4: Unacceptable | \* The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance (Lvl 4) | The property is located in a state that has unlimited assignees for high-cost loans, and HUD-x is missing to test the compliance.<br> Per statute, the x year SOL has expired. |  |  |
| 51766258 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | The final TIL is not hand-dated by the borrower. |  |  |
| 51766258 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 51766258 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the grace period test due to the loan has a grace period of x days that does not conform to the requirements for the lender's license type in the state where the property is located. |  |  |
| 51766258 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows non-critical issue for AOM. Further details were not provided. |  |  |
| 68832141 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations. |  |  |
| 68832141 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the subject is a non-QM/ATR non-compliant loan. Further details not provided. |  |  |
| 68832141 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan does not meet the x-year seasoning period requirement for BWR's prior bankruptcy history. Further details not provided. |  |  |
| 68832141 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. The loan estimate dated xx/xx/xxxx does not reflect the rate lock extension. The CD dated xx/xx/xxxx reflects a rate lock extension of $xxx.xx. This is an increase in fees of $xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase originated on xx/xx/xxxx, and the x-year SOL has expired. |  |  |
| 98527136 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. Zillow search shows an estimated value of $xxxK. Current UPB $x. |  |  |
| 98527136 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 98527136 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| 98527136 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 98527136 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The lost note affidavit available in the file located at "xx shows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at "xx." The tape data shows the lost note affidavit is available with a copy of the note. |  |  |
| 98527136 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape data shows notary is missing on SECI. The subject mortgage was originated on xx/xx/xxxx and recorded on xx/xx/xxxx. The notary is missing on SECI. |  |  |
| 59308503 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed. As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The subject mortgage recorded on xx/xx/xxxx shows MH VIN information as #xx Titan and the home is affixed to the land. The Alta x endorsement is attached to the final title policy. |  |  |
| 59308503 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 59308503 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate. |  |  |
| 59308503 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | Tape shows lost not affidavit with note documents. The LNA is not available in the loan file and a copy of the note documents is available at xx. Further details are not provided. |  |  |
| 59308503 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand-dated by the borrower. |  |  |
| 59308503 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand-dated by the borrower. |  |  |
| 78589583 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | The final truth in lending is missing from the loan documents. |  |  |
| 78589583 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial xxxx signed by the loan originator is missing from the loan documents. |  |  |
| 78589583 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA APR test due to calculated APR of x.xxx% exceeds disclosed APR of x.xxx% under disclosed by x.xxx%. Final TIL is missing from the loan documents. |  |  |
| 78589583 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 78589583 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan file. Zillow search shows an estimated value of $xxK. The current UPB is $xxK. |  |  |
| 78589583 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD reflects some of the points and fees are handwritten. |  |  |
| 72846554 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows undisclosed auto loan debt. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been SE for xx.x years at xx, FICO xxx, xXxx since inception, $xx equity in the subject and $x,xxx residual income. |  |  |
| 72846554 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Evidence of hazard insurance is missing from the loan documents. |  |  |
| 72846554 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan documents. |  |  |
| 72846554 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete due to initial CD is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 72846554 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial CD is missing from the loan documents. |  |  |
| 26585682 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 26585682 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.xx years on the job as xx, FICO xxx, xXxx since inception, and $xx equity in the subject. |  |  |
| 85806167 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows qualifying rental income is not supported, as the lease agreement was fabricated. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has xx.xx years on the job as an xx, BWRx has xx.xx years on the job as an xx, FICO xxx, xXxx since inception, $xxxK equity in the subject and $x,xxx residual income. |  |  |
| 23916715 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | The initial closing disclosure receipt date is provided, and the initial closing disclosure receipt date is less than three business days before the consummation date of xx/xx/xxxx. |  |  |
| 23916715 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the closing documents were signed without a sufficient waiting period after the post-closing disclosure delivery date. Further details not provided. |  |  |
| 23916715 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 46758967 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows the subject is NOO, as BWR listed the subject property for rent shortly after closing. Further details not provided. Elevated for client review. |  |  |
| 46758967 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows the subject is NOO as BWR listed the subject property for rent shortly after closing, causing the lender to omit BWR's primary housing expense. Revised DTI is xx%. BWR defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been SE for x.xx years at xx, FICO xxx, xXxx in the last xx months, $xxxx residual income and $xxxK equity in the subject. |  |  |
| 46758967 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 53587794 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 53587794 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 53587794 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects Appraisal Fee at $xxx.xx, Credit Report Fee at $xxx.xx, Transfer Taxes at $x,xxx.xx. CD dated xx/xx/xxxx reflects Appraisal Fee at $xxx.xx, Credit Report Fee at $xxx.xx, Transfer Taxes at $x,xxx.xx. This is an increase in fee of $xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Loan failed charges than in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx does not reflect the sum of Section C fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects the sum of Section C at $x,xxx.xx. This is a cumulative increase of $x,xxx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x year SOL is active. |  |  |
| 53587794 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows rental income miscalculation. Revised DTI is xx%. Lender defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has xx.xx years on the job as a xx, FICO xxx, xXxx since inception, $xxxx residual income and $xx equity in the subject. |  |  |
| 91529896 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/xxxx. The initial LE dated xx/xx/xxxx reflects a lender credit of $xx.xx; the final CD dated xx/xx/xxxx reflects a lender credit of $x.xx. This is a decrease of +$xx.xx for the fee, which has a x% tolerance test. The subject loan is a purchase originated on xx/xx/xxxx, and the SOL is x year. |  |  |
| 91529896 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan has become seasoned, and the BWR did not respond to completing a new homeowners insurance application, which was necessary to secure a lower insurance premium. Further details not provided. |  |  |
| 91529896 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 91529896 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Review shows the lender miscalculated income. Revised DTI is xx% Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, xXxx since inception, $xxK equity in the subject, and $x,xxx residual income. |  |  |
| 66667755 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by borrower is missing from loan documents. |  |  |
| 66667755 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape and review show BWR has only been on the job for x.xx years and the commission income was not stable. Further details not provided. Lender defect. The subject originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, xXxx since inception and $xxxK equity in subject. |  |  |
| 81397443 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 81397443 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx. The Lender did not include an IRS monthly obligation; revised DTI xx. Further details not provided. Lender defect. The subject loan originated on xx/xx/xx, and the x-year SOL is active. The BWR is SE with xx and xx on for xx.x years and Cigaro Insurance for xx years, FICO xxx, $x,xxx residual income, xXxx since inception and $xx.xK equity in the subject. |  |  |
| 81397443 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL is active. |  |  |
| 81397443 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows provided seller credit is over the allowable limit per guidelines. The final CD reflects a seller credit of $xx. Further details not provided. |  |  |
| 65930364 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 65930364 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | xx project that is non-warrantable, as the construction of xx duplex houses (x buildings) in the project is not completed yet. |  |  |
| 44679991 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from loan documents. |  |  |
| 44679991 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is uninsured by the FHA, as the seasoning requirement was not met. Further details not provided. |  |  |
| 44679991 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 83780078 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$xxx.xx. The below fees were included in the test: Lender Fee paid by Borrower: $x,xxx.xx Mortgage Broker Fee (Indirect) $xx,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx |  |  |
| 83780078 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Finance charge disclosed on Final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. The subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. The loan failed TRID Total of Payments Test due to total of payments charged disclose on final CD as $x,xxx,xxx.xx calculated total of payments of $x,xxx,xxx.xx over by -$xxx.xx. The subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. |  |  |
| 83780078 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. |  |  |
| 83780078 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect Points - Loan Discount fee. CD dated xx/xx/xxxx reflects Points - Loan Discount fee at $x,xxx.xx. This is an increase in fee of $x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. TRID Violation due to decrease in lender credit on Closing Disclosure dated xx/xx/xxxx. Initial LE dated xx/xx/xxxx reflects lender credit at $x,xxx.xx, Final CD dated xx/xx/xxxx reflects Lender Credit at $x.xx. This is a decrease of $x,xxx.xx for fee which has x% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. |  |  |
| 83780078 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed state regulations prohibited fees test due to the inclusion of the below fees charged to the borrower; Administration Fee paid by Borrower: $xxx.xx Attorneys Fee Borrowers Attorney paid by Borrower: $x,xxx.xx Lender Fee paid by Borrower: $x,xxx.xx MERS Fee paid by Borrower: $xx.xx Real Estate Commission paid by Seller: $xx,xxx.xx Sellers Attorney Fee paid by Seller: $x,xxx.xx Tax Certificate paid by Borrower: $xx.xx Title Closing Fee paid by Borrower: $xxx.xx Title CPL paid by Borrower: $xx.xx Title Handling Fee paid by Seller: $xx.xx |  |  |
| 83780078 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $xx,xxx.xx exceed fees threshold of $xx,xxx.xx over by +$xxx.xx. The below fees were included in the test: Lender Fee paid by Borrower: $x,xxx.xx Mortgage Broker Fee (Indirect) $xx,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx |  |  |
| 83780078 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 83780078 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows income documentation is not sufficient, rental income miscalculated. Further details not provided. Revised DTI xx%. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has been an SE for xx.x years at xx. Additionally, BWRx receives rental income, FICO xxx and $xx equity in the subject. |  |  |
| 5975524 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the subject loan closed as a xx-year loan, and AUS/DU in the file was run with the loan term as a xx-year loan. Further details not provided. |  |  |
| 5975524 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. Subject loan is a purchase case, originated on xx/xx/xxxx, and the SOL is x year. |  |  |
| 5975524 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 5975524 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| 11224718 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by borrower is missing from loan documents. |  |  |
| 11224718 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx, and the loan was underwritten by DU (Locator# xx), and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| 11224718 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows undisclosed debt. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has xx.x years on the job as a xx at xx, FICO xxx, xXxx last xx months. |  |  |
| 11224718 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. <br> The below fees were included in the test:<br> Attorney's Fee paid by Borrower: $x,xxx.xx<br> Real Estate Commission paid by Seller: $xx,xxx.xx<br> Title Closing Service Letter paid by Borrower: $xx.xx. |  |  |
| 36026137 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx reflect Points - Loan Discount Fee at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL is expired. |  |  |
| 36026137 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows employment issue. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has x years on the job as an xx. FICO score of xxx, xXxx in the last xx months, and $xxxK equity in the subject. |  |  |
| 36026137 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 12799389 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Loan failed the New Jersey mortgage banker or correspondent mortgage banker license prohibited fees test. <br> The below fees were included in the test:<br> Mortgage Payoff paid by Borrower: $xx.xx<br> Title Closing paid by Borrower: $xx.xx |  |  |
| 12799389 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | The tape shows the subject property is ineligible Further details not provided. Appraisal report shows subject to due to final value is contingent upon removal of basement stove to be compliant with Jersey City zoning code. xxxxD shows basement stove has been removed. Redfin search shows an estimated value of xx. The current UPB is $xx. |  |  |
| 63846579 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 63846579 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $x,xxx.xx. This is a cumulative increase of +$x.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 63846579 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows the subject is NOO, as BWR listed the property for rent after the renovations were completed, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has xx months on the job as a nurse at Steward NSMC, Inc, FICO xxx, and $xx equity in the subject. |  |  |
| 63846579 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | List of service providers is missing from the loan documents. |  |  |
| 63846579 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows the subject is NOO, as BWR listed the property for rent after the renovations were completed, and post-close verification shows BWR never occupied the property. Elevated for client review. |  |  |
| 80367151 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement services provider list is missing from the loan documents. |  |  |
| 80367151 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 80367151 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $x,xxx.xx, and total expenses are in the amount of $x,xxx.xx, and the loan was underwritten by DU (xx), and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| 80367151 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM | QC Complete | Massachusetts | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| 80367151 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | Final GFE is missing from the loan documents. |  |  |
| 80367151 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM | QC Complete | Massachusetts | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the previous loan serial number was changed from xx to xx. Further details not provided. |  |  |
| 12595896 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows misrepresentation of BWR's SE income. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx and the x-year SOL is active. BWR has been an SE for x.xx years at xx. Additionally, BWR has x.xx years as a xx, FICO xxx, $xx equity in the subject and $x,xxx residual income. |  |  |
| 12595896 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflect Points - Loan Discount Fee at $xxxx.xx. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xxxx.xx. This is an increase in fee of $x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. |  |  |
| 12595896 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 12595896 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 12595896 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | Loan fails Qualified mortgage lending policy points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$xxx.xx.<br> The below fees were included in the test:<br> Mortgage Broker Fee paid by borrower: $xx,xxx.xx<br> Points - Loan Discount Fee paid by borrower: $x,xxx.xx. |  |  |
| 12595896 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower income is $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU (Locator# xx) and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| 12595896 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$xxx.xx.<br> The below fees were included in the test:<br> Mortgage Broker Fee paid by borrower: $xx,xxx.xx<br> Points - Loan Discount Fee paid by borrower: $x,xxx.xx. |  |  |
| 85062409 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject was approved at xx%. Tape shows the large deposit of $xx,xxx sourced from the Payroll Protection Program is not acceptable funds for closing. Bank statement in the file shows $xx,xxx in assets, and the cash-to-close requirement is $xx,xxx. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has been an SE for x years at Guum LLC, FICO xxx, and $xxK equity in the subject. |  |  |
| 85062409 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 14208467 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows the subject is NOO due to misrepresentation as the xxxx tax return reflected the subject property was a rental property, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/xxxx and the x-year SOL has expired. BWR receives social security/disability income, FICO xxx, xXxxx in the last xx months and $xx equity in the subject. |  |  |
| 14208467 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed PA license validation test. |  |  |
| 14208467 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows the subject is NOO due to misrepresentation as the xxxx tax return reflected the subject property was a rental property. Further details not provided. Elevated for client review. |  |  |
| 23385303 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The lost note affidavit available in the file located at xx shows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at xxx. |  |  |
| 33895441 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR was employed by a family member and earnings on the W-x did not match earnings on the IRS transcripts obtained post-close. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx and the x-year SOL is active. BWR has x years on the job as a manager at xx, FICO xxx, xXxx over the last xx months and $xxxK equity in the subject. |  |  |
| 33895441 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceed fees threshold of $x,xxx.xx over by +$xxx.xx. <br> The following fees were included in the test:<br> Loan Origination Fee paid by Borrower: $x,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx. |  |  |
| 33895441 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $xx,xxx.xx exceed fees threshold of $x,xxx.xx over by +$xxx.xx. <br> The following fees were included in the test:<br> Loan Origination Fee paid by Borrower: $x,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx. |  |  |
| 33895441 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 44474613 | xx | xx | xx | 120fb16f-0be5-4f0a-9e30-ec97db827ee7 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Release of mortgage (Lvl 4) | As per the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx/xx/xxxx in favor of MERS as nominee for xx, in the amount of $xx, which was recorded on xx/xx/xxxx with instrument #xx. The satisfaction for the subject mortgage was recorded on xx/xx/xxxx with instrument #xx, located at xx. UT shows severe defect for subject mortgage satisfaction. As per the tape data, the lien was mistakenly released due to an erroneous payoff reversal dated xx/xx/xxxx. A third-party title company incorrectly wired funds resulting in the misapplication of funds to the borrower's additional account with Mr. Cooper (xx). A Substitution of Trustee and Full Reconveyance was recorded on xx/xx/xxxx, officially releasing the lien. Mr. Cooper is currently in the process of recording a rescission document to formally reverse the lien release. |  |  |
| 44474613 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 44474613 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | The final GFE is missing from the loan documents. |  |  |
| 68915992 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | MI Certificate is missing in the loan file. |  |  |
| 68915992 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | Good faith estimate is missing in the file. |  |  |
| 68915992 | xx | xx | xx | e99b279c-a3fe-4039-91dc-3f33c0f684d9 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Good Faith Estimate is Missing (Lvl 2) | Initial good faith estimate is missing in the loan file. |  |  |
| 68915992 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the HOEPA higher-priced mortgage loan test.<br> This loan failed the Pennsylvania license validation test. |  |  |
| 68915992 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | HOEPA Higher-Priced Mortgage Loan Test: FAIL Loan Data: x.xxx% Comparison Data: x.xxx% Variance: +x.xxx%<br> PA License Validation Test: FAIL |  |  |
| 24179826 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows undisclosed debt with a monthly payment of $xxx was opened prior to closing. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx and BWRx both receive social security income, FICO xxx, xXxx since inception, and $xxx residual income. |  |  |
| 24179826 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $x,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br>Loan fails QM lending policy points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $x,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx |  |  |
| 24179826 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of $xx. The current UPB is $xx. |  |  |
| 89271158 | xx | xx | xx | ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* LE/CD Issue date test Fail (Lvl 3) | Loan fails compliance delivery and timing test for CD dated xx/xx/xxxx. The document tracker is missing, and x business days were added to get the receipt date of xx/xx/xxxx, which is after the consummation date of xx/xx/xxxx. Subject loan is a refinance case originated on xx/xx/xxxx and the x-year SOL is active. |  |  |
| 89271158 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx does not reflect Appraisal Fee. Final CD dated xx/xx/xxxx reflects Appraisal Fee at $xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/xxxx and the x-year SOL is active. Loan failed charges that in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $xxx.xx. CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $x,xxx.xx. This is a cumulative increase of +$xx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/xxxx and the x-year SOL is active. |  |  |
| 89271158 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the subject condo project does not meet Freddie Mac guideline as the project budget requirements for established condominium projects could not be determined, as the condo questionnaire is missing from the loan documents. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 89271158 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 89271158 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 36999741 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed compliance ease delivery and timing test for initial CD dated xx/xx/xxxx. Document tracker is missing and x business days were added to get receipt date xx/xx/xxxx which is less than x business days before the consummation date of xx/xx/xxxx. |  |  |
| 36999741 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed qualified mortgage safe harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. Subject loan is escrowed. |  |  |
| 36999741 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 36999741 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). |  |  |
| 36999741 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows income miscalculation, undisclosed debt with a monthly payment of $x,xxx, and the monthly HI payment was miscalculated. Further details not provided. Lender defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL has expired. BWRx has been an SE for x years at xx BWRx has been an SE for x.xx years at xx, FICO xxx, and $xxK equity in the subject. |  |  |
| 32994559 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 32994559 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows BWR fabricated WVOE. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has x months on the job as a xx, FICO xxx, and xXxx in the last xx months. |  |  |
| 32994559 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at $xx. Current UPB $xx. |  |  |
| 56497351 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows BWR lost their job on the day of closing, and the subject is NOO as BWR listed the subject property for rent after closing, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, and $xx equity in the subject. |  |  |
| 56497351 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 56497351 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows the subject is NOO as BWR listed the subject property for rent after closing. Further details not provided. Elevated for client review. |  |  |
| 77567574 | xx | xx | xx | c3e6361e-df5f-4c53-9b34-b137e5a1b580 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* LTV / CLTV > 100% (Lvl 2) | Collateral value used for underwriting: $xx. Loan amount: $xx. LTV / CLTV = xx%. The current UPB is $xx. |  |  |
| 77567574 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan fails prohibited fees test. The below fees were included in the test: Additional home services or repairs paid by borrower: $x,xxx.xx Additional home services or repairs paid by seller: $xxx.xx HOA capital contribution paid by borrower: $x,xxx.xx Real estate commission paid by seller: $xx,xxx.xx Real estate commission paid by borrower: $x,xxx.xx Real estate company flat fee paid by borrower: $xxx.xx Title Closing Protection Letter paid by Borrower: $xx.xx |  |  |
| 77567574 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| 77567574 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 77567574 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows BWR "xx" are on the title, and the loan is not a joint VA loan as required by the investor on VA loans. As per UT, BWRs "xx" acquired the subject property and originated the subject mortgage on xx/xx/xxxx. The note is signed by BWR, xx only. |  |  |
| 77567574 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails the loan origination fee test as fees charged of $x,xxx.xx exceed the fee threshold of $x,xxx.xx by +$x,xxx.xx. The below fees were included in the test: Additional home services or repairs paid by the borrower: $x,xxx.xx HOA capital contribution paid by borrower: $x,xxx.xx Real estate commission paid by borrower: $x,xxx.xx Real estate company flat fee paid by borrower: $xxx.xx Settlement or Closing Fee paid by Borrower: $xxx.xx Title Closing Protection Letter paid by Borrower: $xx.xx Title Courier Fee paid by Borrower: $xx.xx |  |  |
| 93266152 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | The escrow account disclosure is missing from the loan documents. |  |  |
| 93266152 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 93266152 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows payment history is clean and LTV is low. According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx. Further details not provided. |  |  |
| 93266152 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$x,xxx.xx. Reason for finance charge under disclosure is unknown as the fee itemization is missing. The subject loan is a purchase case originated on xx/xx/xxxx, and the x-year SOL has expired. |  |  |
| 93266152 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows an error on the VOE. Review of the file shows post-closing VOE dated xx/xx/xx. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, xXxx since inception, and $xxxK equity in the subject. |  |  |
| 96747267 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 96747267 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect points - loan discount fee. Final CD dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. This is an increase in fee of $x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br> Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL is expired. |  |  |
| 96747267 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails qualified mortgage lending policy points and fees test due to fees charged $xx,xxx.xx exceed fees threshold of $x,xxx.xx over by +$x,xxx.xx. <br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $x,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Underwriting Fee paid by Borrower: $x,xxx.xx. |  |  |
| 96747267 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceed fees threshold of $x,xxx.xx over by +$x,xxx.xx. <br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $x,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Underwriting Fee paid by Borrower: $x,xxx.xx. |  |  |
| 96747267 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 96747267 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and file show the subject is a manufactured home that was manufactured in xx, and the affidavit of affixture was recorded in xx. The engineer's certificate verifying the property was permanently affixed and never moved is missing from the loan documents. Further details not provided. |  |  |
| 96747267 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 96747267 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | \* Property is Manufactured Housing (Lvl 3) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached to the recorded mortgage located at "xx" state that the manufactured home with serial # xx and xx has been affixed to the permanent foundation. FTP scheduled B located at xx reflects a notice of Manufacture Housing Unit or Commercial Coach, installed on a permanent foundation system recorded on xx/xx/xxxx with recording no. xx. |  |  |
| 62476428 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 62476428 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). |  |  |
| 62476428 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing in loan file. |  |  |
| 62476428 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows mortgage broker company license was not active when the application was originated and the license was renewed at closing. Further details not provided. |  |  |
| 62476428 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 62476428 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject was approved at xx%. Tape and file shows supporting documents for verifying BWR prior housing expenses are missing from the loan documents. Further details not provided. Lender defect. The subject originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. |  |  |
| 62476428 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect points - loan discount fee. CD dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. The subject loan is a purchase case originated on xx/xx/xxxx, and the x-year SOL has expired. |  |  |
| 89409032 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issues | Active | 1: Acceptable | \* Settlement date is different from note date (Lvl 1) | The final CD reflects the closing date as xx/xx/xxxx. The notary's signature date on the mortgage/deed of trust is xx/xx/xxxx. Note date is xx/xx/xxxx. |  |  |
| 89409032 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 3: Curable | \* Notice of Servicing Transfer missing or unexecuted (Lvl 3) | Servicing transfer is missing from the loan documents. |  |  |
| 89409032 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows the lender mistakenly excluded a debt. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been an SE for x.x years with xx, FICO xxx, xXxx since inception, $xxxK equity in the subject, and $x,xxx residual income. |  |  |
| 89409032 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per the seller's tape, the borrower is one month delinquent with the loan in the last xx months. The loan was originated on xx/xx/xxxx with the first payment on xx/xx/xxxx. According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx. As per the payment history, the borrower made the payment of Jun-xxxx on xx/xx/xxxx. |  |  |
| 1781755 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 1781755 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). |  |  |
| 1781755 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape and file show the subject condo project was not approved by FNMA as repairs totaling $xx were being conducted on the condo. xxxxD or the final inspection report verifying the completion of repairs, is missing from the loan documents. Further details not provided. Zillow search shows an estimated value at $xx. Current UPB $xx. |  |  |
| 1781755 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 1781755 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx reflects Credit Report Fee at $xx.xx. Final CD dated xx/xx/xxxx reflects Credit Report Fee at $xx.xx. This is an increase in fee of +$x.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case originated on xx/xx/xxxx, and the x-year SOL is active. |  |  |
| 13351671 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows lender included the BWR IRS debt in DTI but did not obtain and review the payment history. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x years on the job as an xx. BWRx has been an SE for x.xx years at xx, FICO xxx, xXxx since inception, and $xx equity in the subject. Review shows ATR confirmed. |  |  |
| 13351671 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure is missing from the loan documents. |  |  |
| 44571218 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 44571218 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/xxxx. The initial LE dated xx/xx/xxxx reflects a lender credit of $xxx.xx, and the final CD dated xx/xx/xxxx reflects a lender credit of $x.xx. This is a decrease of +$xxx.xx for a fee that has a x% tolerance test. The subject loan is a purchase, originated on xx/xx/xxxx, and the x-year SOL has expired. |  |  |
| 44571218 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan did not close within the case file expiration date. Further details not provided. |  |  |
| 44571218 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| 44571218 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate. |  |  |
| 50227685 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject is approved as a DSCR loan, and the tape shows the investor did not honor the terms of lock. Further details not provided. |  |  |
| 11421978 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issues | Active | 1: Acceptable | \* Settlement date is different from note date (Lvl 1) | The final CD reflects the closing date as xx/xx/xxxx. The notary's signature date on the mortgage/deed of trust is xx/xx/xxxx. Note date is xx/xx/xxxx. |  |  |
| 11421978 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and review of the appraisal report show the subject is a x-unit property with x ADUs, and guidelines only allowed for x. Zillow search shows an estimated value of $xxK. Current UPB is $xx. |  |  |
| 6944131 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show personal guaranty document is missing from the file. BWR is a partnership. Further details not provided. |  |  |
| 27473363 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "xx" state that the manufactured home with serial # xx has been affixed to the permanent foundation. |  |  |
| 27473363 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). |  |  |
| 27473363 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject property type is manufactured home, and DU report in file shows property type was incorrectly submitted as SFR. Further details not provided. |  |  |
| 83287964 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 83287964 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report was subject to the completion of the home. xxxxD shows construction of the subject is completed except there is no sink in the basement bathroom and there is no door to the bedroom closet. The estimated cost to cure is not available in the loan file. Final xxxxD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 83287964 | xx | xx | xx | 50a8f171-1bbd-41a1-8281-6ef5904bb2ac | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* Notice of Servicing Transfer missing or unexecuted (Lvl 3) | The loan was originated on xx/xx/xxxx with the loan amount of $xx. PH shows a large transaction (loan transferred) on xx/xx/xxxx in the amount of $xx, and the current UPB is $x.xx. Tape shows the current UPB as $xx. As per servicing comment xx/xx/xxxx, the service has been released on xx/xx/xxxx. |  |  |
| 83287964 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR is employed by a family member and lender did not obtain xxxx Wx and xxxx tax returns. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, xXxx since inception, and $xx equity in the subject. |  |  |
| 22166895 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show BWR does not meet HUD residency requirements as BWR is a permanent resident alien with an OIB visa that expires on xx/xx/xxxx. Further details not provided. |  |  |
| 22166895 | xx | xx | xx | c3e6361e-df5f-4c53-9b34-b137e5a1b580 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* LTV / CLTV > 100% (Lvl 2) | Collateral value used for underwriting: $xx. Amount of secondary lien(s): $xx. Loan amount: $xx. LTV = xx% and CLTV = xx%. Current UPB: $xx. |  |  |
| 22166895 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 22166895 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% and originated on xx/xx/xx, the x-year SOL is active. Lender used bonus, commission and SE income received with history of less than x years. Revised DTI is over xx%. Lender defect. BWR is employed with xx for x.x years in sales and SE for x.x years with xx, BWR x is SE as a xx for x.x years, FICO xxx. |  |  |
| 22166895 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | This loan is FHA. The mortgage insurance certificate is missing from the loan documents. |  |  |
| 87289518 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows a TRID violation as the CD was disclosed with an incorrect rate for the second lien loan. File shows the second lien of $xx was approved with an interest rate of x%, and the CD for the second lien reflects an interest rate of x%. Further details not provided. |  |  |
| 1692113 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 1692113 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. Final CD dated xx/xx/xxxx reflects cash to in the amount of $x,xxx.xx. |  |  |
| 1692113 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR was not employed at the time of closing. BWR defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, xXxx since inception, and $xx equity in the subject. |  |  |
| 21171431 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The tape and appraisal report show the subject property needs repairs for flooring, ceiling, landscaping, water damage, and removal of the previous owner's stuff. The appraisal report reflects the estimated cost to cure the repairs in the amount of $xx. xxxxD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 21171431 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed QM safe harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. Subject loan is escrowed. |  |  |
| 2478382 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.x years on the job as a xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. |  |  |
| 2478382 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate. |  |  |
| 79126681 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects HOA cert fee at $xxx.xx. Final CD dated xx/xx/xxxx reflects HOA cert fee at $xxx.xx. This is an increase in fee of $x.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL has expired. |  |  |
| 79126681 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows the subject condo project is non-warrantable as the SBxxx inspection required for projects in CA and the reserves and budget allocated for repairs and maintenance are not sufficient. The condo questionnaire available in the file does not provide any information on the reserves and budget of the condo project. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 79126681 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 65568249 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.<br> The loan does charge fee(s) not provided for in this act, which is prohibited.<br> A person licensed as a mortgage broker shall have the right to charge only the following fees: (x) application fee; and (x)<br> discount points which may be labeled as an origination fee. |  |  |
| 65568249 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the points and fees test.<br> This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. |  |  |
| 65568249 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Copy of final HUD-x is available in the loan file, however all point and fees value are hand written. |  |  |
| 3706989 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | The loan fails the compliance delivery and timing test for the CD dated xx/xx/xxxx. The document tracker is missing, and x business days were added to get the receipt date of xx/xx/xxxx, which is after the consummation date of xx/xx/xxxx. |  |  |
| 3706989 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/xxxx. The initial LE dated xx/xx/xxxx reflects a lender credit of $x,xxx.xx, and the final CD dated xx/xx/xxxx reflects a lender credit of $x.xx. This is a decrease of +$x,xxx.xx for a fee that has a x% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.<br>Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect the MCC fee. The CD dated xx/xx/xxxx reflects MCC fee at $xxx.xx. This is an increase in fees of $xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 3706989 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows a large deposit was not sourced. Bank statement in the file shows assets of $x,xxx and gift assets of $x,xxx supported by a gift letter and the cash-to-close requirement is $x,xxx. Further details not provided. BWR has x months on the job as a xx, FICO xxx and $x,xxx equity in the subject. |  |  |
| 3706989 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 4862241 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows income miscalculation by including rental income for a property not showing on tax returns. Revised DTI is xx%. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.xx years on the job as an xx, BWRx has xx.xx years on the job as an xx, FICO xxx, xXxx since inception, residual income $xx and $xx equity in the subject.<br>Downgrade to LVLx based on PH. |  |  |
| 4862241 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | The settlement services provider list is missing from loan documents. |  |  |
| 4862241 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from loan documents. |  |  |
| 4862241 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 4862241 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling organizations disclosure is missing from the loan documents. |  |  |
| 93487920 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and review of the file show the survey was due prior to closing and is missing from the loan documents. Further details not provided. Reaching out to PT to determine if the lot is surveyed or platted. PT confirms that there is not a recorded survey or platted map. Legal description attached to the mortgage shows the subject is described as parcel x with multiple indices of a surveyed parcel. Description and recording information match title policy. Downgraded to LVLx. |  |  |
| 93487920 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years. |  |  |
| 93487920 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$xxx.xx. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Processing Fee paid by Borrower: $x,xxx.xx |  |  |
| 93487920 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Revised CD#x dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of $x,xxx.xx for charges that cannot increase. Valid COC is available at pg#xx. Final, COC is not getting tested due to loan failing TRID delivery and timing test. Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years. <br> Loan failed charges in total cannot increase more than xx% in the tolerance test. The LE dated xx/xx/xxxx reflects the sum of Section C fees and recording fees at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects the sum of Section C and the recording fee at $x,xxx.xx. This is a cumulative increase of $x,xxx.xx for charges that in total cannot increase more than xx% test. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years. |  |  |
| 93487920 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years. |  |  |
| 93487920 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Lender excluded a business loss and used the incorrect PITI payment. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx and the x year SOL is active. BWR is SE employed with xx for xx years and opened a cleaning business x year prior to closing , FICO xxx, $xxK equity in the subject and $x,xxx residual income.<br>Downgrade to LVLx based on PH. |  |  |
| 93487920 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 93487920 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "xx" state that the manufactured home with serial #xx has been affixed to the permanent foundation. |  |  |
| 93487920 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$xxx.xx. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Processing Fee paid by Borrower: $x,xxx.xx |  |  |
| 93487920 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issues | Active | 1: Acceptable | \* Settlement date is different from note date (Lvl 1) | Final CD reflects closing date as xx/xx/xxxx. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/xxxx. Note date is xx/xx/xxxxx. |  |  |
| 49293517 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 49293517 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Review shows lender used a lease agreement to a family member. The revised DTI is xx%. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as an xx, FICO xxx, xXxx since inception, residual income $xx and $xx equity in the subject. |  |  |
| 21300405 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows lender decision to fund the loan. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx FICO xxx. $xxK equity in subject. Residual income $xx. |  |  |
| 21300405 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | AUS | Active | 3: Curable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) | AUS report is missing from the loan documents. |  |  |
| 21300405 | xx | xx | xx | b059f1da-584f-4b49-a8ec-23568206c180 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Doc Issue | Active | 1: Acceptable | \* Appraisal dated after closing (Lvl 1) | Appraisal report dated xx/xx/xxxx is after closing date xx/xx/xxxx. |  |  |
| 21300405 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 99266741 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file shows AUS risk recommendation is approve/ineligible. Further details not provided. BWR has been an SE for x.xx years at xx, FICO xxx, xXxx since inception and $xx equity in the subject. |  |  |
| 53059159 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows rental income miscalculation as the supporting documents to verify PITI of REO are missing. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR receives social security income, FICO xxx, and $xx equity in the subject. Review shows ATR confirmed. |  |  |
| 91047648 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID violation due to decrease in lender credit on post-closing disclosure dated xx/xx/xxxx. The initial LE dated xx/xx/xxxx reflects a lender credit of $xxx.xx, and the post-CD dated xx/xx/xxxx reflects a lender credit of $x.xx. This is a decrease of $xxx.xx for a fee that has a x% tolerance test. The subject loan is a purchase originated on xx/xx/xxxx, and the SOL is x year. |  |  |
| 91047648 | xx | xx | xx | ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* LE/CD Issue date test Fail (Lvl 3) | Revised closing disclosure dated xx/xx/xxxx is missing from the loan documents. |  |  |
| 91047648 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows the FNMA condo approval for the subject condo project was removed on xx/xx and the loan was approved on xx/xx. Further details not provided. Condo questionnaire is missing from the loan documents. Zillow search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 19902707 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase originated on xx/xx/xxxx, and the SOL is x year. |  |  |
| 19902707 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows income misrepresentation. Lender obtained tax transcripts that did not match to the BWR amended tax returns. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been an SE for x.xx years at xx, FICO xxx, xXxx since inception, and $xx equity in the subject. |  |  |
| 19902707 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. The loan estimate dated xx/xx/xxxx reflects transfer taxes at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects transfer taxes at $x,xxx.xx. This is an increase in fees of +$x,xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase originated on xx/xx/xxxx, and the SOL is x year. |  |  |
| 19902707 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 29735260 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the lender miscalculated eligibility and the BWR does not have any entitlement for the subject loan. The certificate of eligibility available in the file shows BWR does not have any entitlement left for the subject loan, as the total entitlement charged to the previous VA loans is $xx. Further details not provided. |  |  |
| 29735260 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 90588749 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. The tape shows unable to qualify without rental income. Lender used rental income to qualify when the BWR's do not have a history of renting. Further details not provided. Lender defect. Revised DTI xx%. Subject loan originated xx/xx/xx and the x-year SOL is active. The BWR is a xx receiving a salary and fellowship income for x.xx years, BWR x is employed with xx as a xx for x months, BWR x is a student, FICO xxx, $x,xxx residual income and $xxxK equity in the subject. |  |  |
| 84316810 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 84316810 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x, with a sales price of $xx, is closest to the subject property. The revised appraisal ordered came with a lower appraised value of $xx. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 58435062 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| 58435062 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 58435062 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan is NOO and was approved at xx%. Tape shows the subject loan closed with manual UW and approved at DTI exceeding the allowable limit. Further details not provided. Review shows ATR confirmed. |  |  |
| 63288962 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape and review show lender included BWR SE realtor income in FL. BWR was not licensed in FL. Further details not provided. Lender defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been SE for x years at xx and for x.xx years at xx, FICO xxx and xXxx since inception. |  |  |
| 63288962 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 31811339 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows student loan debt miscalculation. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years as a xx with the University of Chicago, FICO xxx, xXxx since inception, $xxK equity in the subject, and $x,xxx residual income. |  |  |
| 31811339 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 46187893 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is NOO was approved at xx. The tape shows asset misrepresentation as the BWR name on the bank statement was fabricated. Review shows lender miscalculation of BWRx income. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan was originated on xx/xx/xxxx and the x-year SOL is active. BWR has x years on the job as an xx, BWRx has x.xx years on the job as a xx, FICO xxx, xXxx since inception, residual income $xxxx and $xx equity in the subject. |  |  |
| 43792845 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$xxx.xx. <br> The following fees were included in the test:<br> Loan Origination Fee paid by Borrower: $x,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Tax Service Fee paid by Borrower: $xx.xx. |  |  |
| 43792845 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$xxx.xx. <br> The following fees were included in the test:<br> Loan Origination Fee paid by Borrower: $x,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Tax Service Fee paid by Borrower: $xx.xx. |  |  |
| 43792845 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulation for the first lien prohibited fees test. The following fees were included in the test:<br> Notice of Settlement paid by Borrower: $xx.xx<br> Tax Service Fee paid by Borrower: $xx.xx<br> Taxes Paid by Borrower: $xxx.xx<br> Title CPL Fee paid by Borrower: $xx.xx. |  |  |
| 43792845 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows undisclosed auto debt opened prior to the closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx and the x-year SOL is active. BWRx has xx.xx years on the job as a xx. BWRx has x.xx years on the job as a xx, FICO xxx, xXxx since inception and $xxK equity in the subject. |  |  |
| 43792845 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 45239227 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 45239227 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. The tape shows the subject loan closed with less than xx months of business history. A review of the file shows the subject loan closed as a xx-month business bank statement loan. Secretary of State records in file show business was established xx/xx/xx. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been an SE for x.xx years at xx, FICO xxx, and $xxxK equity in the subject. |  |  |
| 79017136 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand-dated by the borrower. |  |  |
| 79017136 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 79017136 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows subject loan does not meet HUD's adjusted value requirement as the BWR owned the property for less than xx months. The appraisal report shows the price of the prior sale or transfer on xx/xx/xxxx was $xx and the subject loan closed on xx/xx/xxxx with an appraised value of $xx. Zillow search shows an estimated value of $xx. Current UPB $xx. BWR has a xxx FICO. x years as a carpenter. xXxx since inception. |  |  |
| 79017136 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 93576006 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d).<br>Loan failed QM safe harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. Subject loan is escrowed. |  |  |
| 93576006 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the FHA case number was canceled and the HUD will not allow reinstating the case number. Further details were not provided. |  |  |
| 93576006 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "xx" state that the manufactured home with serial # xx has been affixed to the permanent foundation. |  |  |
| 93576006 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 59679621 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| 59679621 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges than in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $xxx.xx. CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $x,xxx.xx. This is a cumulative increase of $x,xxx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x-year. |  |  |
| 59679621 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows BWRs qualifying income is greater than xx% of AMI and exceeds loan program limit. Further details not provided. |  |  |
| 59679621 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x-year. |  |  |
| 59679621 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement services provider list is missing from the loan documents. |  |  |
| 5561876 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed state regulations prohibited fees test due to the inclusion of the below fees charged to the borrower;<br> Broker Fee paid by Borrower: $x,xxx.xx<br> HOA Fees paid by Borrower: $xxx.xx<br> Property Tax Instalment paid by Borrower: $x,xxx.xx<br> Tax and Assessment paid by Borrower: $xx.xx |  |  |
| 5561876 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx% The tape shows the BWR was SE in previous business in India and the lender documented only x-year US tax returns for the BWR. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.x years on the job as a xx and BWRx has x.x years on the job as a xx, FICO xxx, xXxx since inception, and $xxxK equity in the subject. Review shows ATR confirmed. |  |  |
| 55563140 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan closed without an appraisal report. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of $xx. The current UPB is $xx. |  |  |
| 55563140 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows income misrepresentation. Further details not provided. BWR defect. The subject originated on xx/xx/xxxx and the x-year SOL is active. BWR has x.xx years on the job as an xx, FICO xxx. |  |  |
| 55563140 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$x,xxx.xx. <br> The following fees were included in the test:<br> Mortgage Broker Fee (Indirect) $xx,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $xx,xxx.xx<br>Loan fails QM lending policy points and fees test due to fees charged of $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$x,xxx.xx. <br> The following fees were included in the test:<br> Mortgage Broker Fee (Indirect) $xx,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $xx,xxx.xx |  |  |
| 35172666 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 35172666 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Missing initial application dated xx/xx/xxxx signed by the loan originator. |  |  |
| 35172666 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape and review shows the rental income from REO is not supported as the BWR listed the REO for sale after closing of the subject loan. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx. Additionally, BWR receives retirement income, FICO xxx, xXxx since inception, $xx equity in the subject, and $xxx residual income.<br>Downgrade to LVLx based on PH. |  |  |
| 45744551 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows the lender miscalculated BWR's fluctuating income and did not average it over xx months. Further details not provided. The revised DTI is xx%. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x months on the job as a xx, FICO xxx, xXxx since inception, $xxK equity in the subject, and $xxxx residual income. Review shows ATR confirmed. |  |  |
| 45744551 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 45744551 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of $x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year.<br>Loan failed lender credits that cannot decrease test. Initial LE dated xx/xx/xxxx reflects lender credit at $xx.xx. Final CD dated xx/xx/xxxx reflects lender credit at $xx.xx This is decrease of $xx.xx for fee which has x% tolerance test. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. |  |  |
| 45744551 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 78133777 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 78133777 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. The tape and review shows rental income miscalculated and less than x years working a xnd job. Lender defect. Revised DTI xx%. Subject loan originated xx/xx/xxxx and the x-year SOL is active. The BWR is employed with xx for x.x years, FICO xxx, $xxx residual income, xXxx since inception and $xxK equity in the subject. |  |  |
| 17473777 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows BWR has a tax liability. Review shows BWR has a $xx IRS tax liability from xxxx. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has been SE for xx years at xx, BWRx has xx years on the job as a xx, FICO xxx, $xxK equity in the subject, and $xx,xxx residual income.<br>Downgrade to LVLx based on PH. |  |  |
| 5626036 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on CD dated xx/xx/xxxx. Initial LE dated xx/xx/xxxx reflects lender credit at $x,xxx.xx. Final CD dated xx/xx/xxxx does not reflect lender credit. This is decrease of -$x,xxx.xx for fee which has x% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 5626036 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape and review of the file show the subject loan was closed with a desktop appraisal report instead of a full appraisal. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 5626036 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. The Lender included bonus income without a x-year history of receipt. Lender defect. Revised DTI xx%. Subject loan originated xx/xx/xxxx and the x-year SOL is active. The BWR is employed with Veterinary Emergency Group as a veterinarian for x.x years. FICO xxx. $x,xxx residual income. xXxx since inception. $xx.xK equity in the subject. |  |  |
| 5626036 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 99146666 | xx | xx | xx | 47ab46b4-0fbc-4f6c-9428-bd583140dad9 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Credit score not provided (Lvl 2) | Credit score for BWRx is not provided. |  |  |
| 99146666 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 99146666 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows lender miscalculated variable income and grossed up SSI income. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx and the x-year SOL has expired. BWRx has x.xx years on the job as a xx. BWRx receives social security income, FICO xxx $xxK equity in the subject and $x,xxx residual income. |  |  |
| 99146666 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 99146666 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows "the file is with us due to late payments after a repurchase alternative/indemnification." As per the PH as of xx/xx/xxxx, the BWR is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xx. |  |  |
| 99146666 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by LP (Locator #xx) and its recommendation is Accept with a DTI of xx%. |  |  |
| 99146666 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 80725161 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx% The tape shows income miscalculation, as other income was included twice. The revised DTI is xx% Further details are not provided. Lender defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.xx years on the job as a xx. Additionally, BWRx has x.xx years on the job as a xx. BWRx has x.xx years on the job as a xx, FICO xxx, $xxxK equity in the subject, and $xxxx residual income. |  |  |
| 80725161 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 35796962 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows BWR was short reserves at closing. Review of the DU and file shows total verified assets of $xx, which is entirely a gift asset, satisfying the cash to close requirement of $xx. Gift letter is in file and receipt or acknowledgment of gift transfer is missing. Subject loan originated xx/xx/xxxx. |  |  |
| 35796962 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed state regulations prohibited fees test due to the inclusion of the below fees charged to the borrower;<br> HOA paid by Borrower: $x,xxx.xx<br> Processing Fee paid by Seller: $xx.xx<br> Real estate commission paid by Seller: $xx,xxx.xx<br> Real estate commission paid by Seller: $xx,xxx.xx<br> Seller Attorney fee paid by Seller: $x,xxx.xx<br> Title Copy fee APR paid by Borrower: $xx.xx<br> Title CPL paid by Borrower: $xx.xx<br> Title Review fee paid by Borrower: $xxx.xx<br> Title Tax certificate fee paid by Borrower: $xx.xx<br> Title Transaction Management paid by Borrower: $xx.xx |  |  |
| 35796962 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed Revised Loan Estimate Delivery Date Test due to the revised loan estimate delivery date is on the initial closing disclosure delivery date. |  |  |
| 35796962 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx. <br> The below fees were included in the test:<br> Application Fee paid by Borrower: $x,xxx.xx<br> Commitment Fee paid by Borrower: $xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx <br> Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx. <br> The below fees were included in the test:<br> Application Fee paid by Borrower: $x,xxx.xx<br> Commitment Fee paid by Borrower: $xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx |  |  |
| 57275590 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 57275590 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows lender used provided leases on x BWR REO's. BWR listed the x properties for rent. Revised DTI xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, $xx residual income and $xx equity in the subject. |  |  |
| 1780886 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 1780886 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and appraisal report show the subject loan is not insurable as the front stoop of the subject property should not be attached to the structure. Review of appraisal shows attached, covered brick porch. Further details not provided. |  |  |
| 1780886 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "xx" state that the manufactured home with serial # xx has been affixed to the permanent foundation. |  |  |
| 1780886 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| 24890001 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the multiple Zelle deposits when considered as additional income under xx loan program guidelines, cause the qualifying income to exceed loan program limits. Further details not provided. |  |  |
| 24890001 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 24890001 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing credit report (Lvl 3) | Credit report is missing from loan documents. |  |  |
| 24890001 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | List of service providers is missing from the loan documents. |  |  |
| 24890001 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | AUS | Active | 3: Curable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) | AUS report is missing from the loan documents. |  |  |
| 24890001 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by borrower is missing from loan documents. |  |  |
| 69386987 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the x-day waiting period prior to consummation was not satisfied. Infinity compliance result shows the loan passed TRID timing and delivery test. Further details not provided. |  |  |
| 69386987 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| 4697028 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 4697028 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 4697028 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| 4697028 | xx | xx | xx | 0270b5a0-6846-4580-a03f-12f44a18d0d3 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 3: Curable | \* Note is missing or unexecuted (Lvl 3) | The original note is missing. The lost note affidavit is available in the loan file located at "xx." The loan was modified on xx/xx/xxxx. The tape data shows the lost note affidavit is available in the loan file, and the note copy is missing. |  |  |
| 4697028 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 4697028 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-x, along with itemization of fees and the estimated HUD-x, is missing from the loan documents. |  |  |
| 4697028 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | The final TIL is missing from the loan documents. |  |  |
| 25581053 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. The calculated finance charge is $xxx,xxx.xx for an undisclosed amount of -$xxx.xx. |  |  |
| 25581053 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement services provider list is missing from the loan documents. |  |  |
| 25581053 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | Final good faith estimate is missing from the loan documents. |  |  |
| 25581053 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 25581053 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | QM | QC Complete | Texas | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | Tape shows LNA available in loan file. The lost note affidavit document is missing from the loan file. Review shows note in file. |  |  |
| 25581053 | xx | xx | xx | 120fb16f-0be5-4f0a-9e30-ec97db827ee7 | xx | xx | xx | QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* Release of mortgage (Lvl 3) | UT shows an alert for the subject mortgage release recorded. As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx/xx/xxxx in favor of MERS as nominee forxx. in the amount of $xx, which was recorded on xx/xx/xxxx with instrument # xx. The release for the subject mortgage was recorded on xx/xx/xxxx with instrument # xx located at xx, stating that the subject mortgage was released. As per the document located at xx, the satisfaction for the subject mortgage is void. |  |  |
| 1012605 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 1012605 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 1012605 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| 1012605 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan documents. |  |  |
| 1012605 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x, along with estimated HUD-x and fee itemization, is missing from the loan documents. |  |  |
| 1012605 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan documents. Zillow search shows an estimated value at $xx. Current UPB is $xx. |  |  |
| 1012605 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 16690809 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by loan originator is missing from the loan documents. |  |  |
| 16690809 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 16690809 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx reflect Points - Loan Discount Fee. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xx.xx. This is an increased fee in the amount of +$xx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL is expired.<br>TRID violation due to a decrease in lender credit on the initial CD. The initial LE dated xx/xx/xxxx reflects Lender credits at $xxx.xx. The initial CD dated xx/xx/xxxx reflects Lender credits at $x.xx. This is a decrease of $xxx.xx for a fee which has a x% tolerance test. A valid COC for the decrease in NSLC is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/xxxx, and the x-year SOL is expired. |  |  |
| 16690809 | xx | xx | xx | 120fb16f-0be5-4f0a-9e30-ec97db827ee7 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | \* Release of mortgage (Lvl 3) | UT shows an alert for the subject mortgage satisfaction found with subsequent recession. As per the updated title report dated xx/xx/xxxx, there is a release of deed of reconveyance, which was signed on xx/xx/xxxx and recorded on xx/xx/xxxx, which shows that the subject mortgage originated on xx/xx/xxxx and was recorded on xx/xx/xxxx had been paid in full. As per the rescission of full reconveyance recorded on xx/xx/xxxx, which is located at "xx," the release of deed of reconveyance is canceled. |  |  |
| 93291882 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | Pre-QM | QC Complete | Montana | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by loan originator is missing from the loan documents. |  |  |
| 93291882 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Montana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 93291882 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | Pre-QM | QC Complete | Montana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Montana license validation test. |  |  |
| 39758476 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | The initial closing disclosure is missing from the loan documents. |  |  |
| 39758476 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | The TRID tolerance test is incomplete, as the initial CD is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 42432885 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. A Zillow search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 42432885 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 9353482 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing. |  |  |
| 9353482 | xx | xx | xx | 145d6e17-2165-4f5a-8058-8c02e362107f | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance (Lvl 2) | The property is located in a state that has unlimited assignee liability for high cost loans and HUD-x/FCD is missing to test the compliance. |  |  |
| 9353482 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | The final TIL is missing from the loan documents. |  |  |
| 9353482 | xx | xx | xx | 0270b5a0-6846-4580-a03f-12f44a18d0d3 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4) | The original note is missing from the loan file. The lost note affidavit is not available in the loan file. The loan has not been modified. |  |  |
| 9353482 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 9353482 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal is missing from the loan documents. Zillow search shows an estimated value of $xx. Current UPB: $xx. |  |  |
| 9353482 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-x, along with itemization of fees and the estimated HUD-x, is missing from the loan documents. |  |  |
| 26302703 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing in the loan file. |  |  |
| 26302703 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final xxxx is missing in the loan file. |  |  |
| 26302703 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUDx is missing in the loan file. However, Estimated HUDx and Itemization are not found in the file. |  |  |
| 26302703 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | An appraisal report is missing in the loan file. |  |  |
| 54794084 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The affidavit of affixation attached with the recorded mortgage located at "xx" state that the manufactured home with VIN # xx has been affixed to the permanent foundation. |  |  |
| 54794084 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx. <br> The following fees were included in the test:<br> Commitment Fee paid by Borrower: $x,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br>Loan fails QM lending policy points and fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx. <br> The following fees were included in the test:<br> Commitment Fee paid by Borrower: $x,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx |  |  |
| 29857387 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete due to initial CD is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 29857387 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 29857387 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Settlement service providers list is missing from the loan documents. |  |  |
| 29857387 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 29857387 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx.xx%. Tape shows rental income miscalculation. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx and the x-year SOL is active. BWR has been SE for x years at xx, FICO xxx, xXxx since inception, $xxxK equity in the subject and $x,xxx residual income. Review shows ATR confirmed. |  |  |
| 29857387 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Evidence of hazard insurance is missing from the loan documents. |  |  |
| 29857387 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | The final transmittal summary is missing from the loan documents. |  |  |
| 29857387 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial CD is missing from the loan documents. |  |  |
| 29857387 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from loan documents. |  |  |
| 29857387 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceed fees threshold of $x,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Mortgage Broker Fee (Indirect) $x,xxx.xx Points - Loan Discount Fee paid by borrower: $x,xxx.xx Underwriting Fee paid by borrower: $x,xxx.xx.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $xx,xxx.xx exceed fees threshold of $x,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Mortgage Broker Fee (Indirect) $x,xxx.xx Points - Loan Discount Fee paid by borrower: $x,xxx.xx Underwriting Fee paid by borrower: $x,xxx.xx. |  |  |
| 85187951 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 85187951 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows SE income miscalculation as the lender qualified BWR using only x-year tax returns instead of the x-year tax returns. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx and the x-year SOL has expired. BWRx has been SE in transport business for x.xx years. BWRx has x.x years on the job as a xx, FICO xxx, $xxK equity in the subject and $x,xxx residual income. |  |  |
| 85187951 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. The loan estimate dated xx/xx/xxxx does not reflect Appraisal Re-Inspection Fee. CD dated xx/xx/xxxx reflects Appraisal Re-Inspection Fee at $xxx.xx. This is an increase in fee of $xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL has expired. |  |  |
| 85187951 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the borrower stopped making payments after xx/xx/xxxx. As per tape, the prior servicer applied the payments to the suspense, which were made by the borrower. The loan transferred back to the current servicer on xx/xx/xxxx. The payments that were put in suspense were applied to the loan for the due dates of xx/xx/xxxx to xx/xx/xxxx on xx/xx/xxxx. According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xx. |  |  |
| 52277699 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 52277699 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete due to initial LE and initial CD are missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL is active. |  |  |
| 52277699 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial CD is missing from the loan documents. |  |  |
| 52277699 | xx | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial LE (Lvl 3) | Initial LE is missing from the loan documents. |  |  |
| 26838097 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the loan is seasoned more than x months and issue with boarding the loan could not be fixed with Freddie Mac. Further details not provided. |  |  |
| 26838097 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$x,xxx.xx.<br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Processing Fee paid by Borrower: $x,xxx.xx.<br>Loan fails QM lending policy points and fees test due to fees charged of $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$x,xxx.xx.<br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Processing Fee paid by Borrower: $x,xxx.xx. |  |  |
| 26838097 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). |  |  |
| 26838097 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business before the consummation date. |  |  |
| 26838097 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 7541565 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD dated xx/xx/xxxx reflects cash to in the amount of $x,xxx.xx. |  |  |
| 7541565 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. BWR purchased x primaries, including the subject. BWR defect. The subject loan originated on xx/xx/xxxx and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx and $xxK equity in the subject. |  |  |
| 7541565 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows property is NOO due to misrepresentation. BWR purchased x primaries, including the subject. Further details were not provided. Elevated for client review. |  |  |
| 56723176 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issues | Active | 1: Acceptable | \* Settlement date is different from note date (Lvl 1) | The final CD reflects the closing date as xx/xx/xxxx. The notary's signature date on the mortgage/deed of trust is xx/xx/xxxx. Note the date is xx/xx/xxxx. |  |  |
| 56723176 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows undisclosed debt with a monthly payment of $xxx was opened prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has xx years on the job as a xx, BWRx has been SE for xx.xx years at xx, FICO xxx and $xx equity in the subject. |  |  |
| 56723176 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD, dated xx/xx/xxxx, reflects cash to the amount of $x.xx. |  |  |
| 54734472 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. <br> Loan estimate dated xx/xx/xxxx reflects points - loan discount fee at $xxx.xx. Final CD dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. <br> Loan estimate dated xx/xx/xxxx reflects loan origination fee at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects loan origination fee at $x,xxx.xx. This is a cumulative increase in fee of $x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br> Subject loan is purchase case, originated on xx/xx/xxxx and the x-year SOL is expired. |  |  |
| 54734472 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. |  |  |
| 54734472 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 54734472 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 54734472 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape shows the renovation was not completed within the timeframe. Appraisal report is subject to the completion of renovation. The estimated amount of repairs is $xx. The final CD reflects an escrow holdback of $xx,xxx. Tape shows only $xx,xxx funds remaining in the holdback to be released for the completion of pending items. The xxxxD report is missing from the loan documents. Zillow search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 54734472 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Final transmittal summary is missing from the loan documents. |  |  |
| 54734472 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$x,xxx.xx. <br> The below fees were included in the test: Loan Origination Fee paid by Borrower: $x,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Processing Fee paid by Borrower: $x,xxx.xx. |  |  |
| 54734472 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails qualified mortgage lending policy points and fees test due to fees charged $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$x,xxx.xx. <br> The following fees were included in the test: Loan Origination Fee paid by Borrower: $x,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Processing Fee paid by Borrower: $x,xxx.xx. |  |  |
| 54734472 | xx | xx | xx | 249ccfc8-8061-4638-a74f-933a4ad40fc5 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Legal Docs | Active | 4: Unacceptable | \* Loan has escrow holdback. No proof it was released (Lvl 4) | The final CD dated xx/xx/xxxx, reflects an escrow holdback in the amount of $xx,xxx.xx. Proof of the release of escrow holdback is available for $xx. Proof for the release of escrow holdback is missing for the remaining amount of $xx from the loan documents. Tape shows $xx remains in escrow for the following remaining open items gutter/exterior $xx, windows/door $xx, plumbing/electrical $xx, cabinetry $xx. |  |  |
| 83210901 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows REO mortgage payment and HI payment of subject mortgage is miscalculated. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x months on the job as a xx and receives a pension, FICO xxx, xXxx since inception, and $xxK equity in the subject. |  |  |
| 83210901 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 44649245 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the subject property is a co-op and is ineligible for sale to Freddie Mac as the flip tax charged of x.xx% exceeds the threshold of x%. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 44649245 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 44649245 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. The Lender miscalculated the BWR's variable income. Lender defect. Revised DTI xx%. Subject loan originated xx/xx/xxxx and the x-year SOL is active. The BWR is employed with xx for xx months. FICO xxx. $x,xxx residual income. $xx.xK equity in the subject. |  |  |
| 86608840 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 86608840 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 86608840 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 86608840 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects Appraisal fee at $xxx.xx. CD dated xx/xx/xxxx reflects Appraisal fee at $xxx.xx. This is an increase in fee of $xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year.<br>Loan failed charges than in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $xxx.xx. CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $xxx.xx. This is a cumulative increase of $xxx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. |  |  |
| 35356732 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure signed by borrower is missing from the loan documents. |  |  |
| 35356732 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at xx.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d).<br>Loan failed qualified mortgage safe harbor threshold test due to APR calculated xx.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%.<br>Loan failed qualified mortgage APR threshold test due to APR calculated xx.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. |  |  |
| 35356732 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx. <br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $x,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Underwriting Fee paid by Borrower: $xxx.xx<br> This loan failed the QM APR test due to APR exceeds xx.xxx% the APR threshold x.xxx%, over by +x.xxx%.<br>Loan fails Qualified mortgage lending policy points and fees test due to Fees charged $xx,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx. <br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $x,xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Underwriting Fee paid by Borrower: $xxx.xx |  |  |
| 35356732 | xx | xx | xx | d599fb87-9791-476a-9a61-b4567a524853 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3) | Home equity loan notice of address for borrower notification of violation is missing from the loan documents. |  |  |
| 35356732 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and review of the file show the APR on the revised CD on xx/xx/xxxx increased by x.xxx% and did not satisfy the x business days waiting period prior to consummation on xx/xx/xxxx. Further details not provided. |  |  |
| 35356732 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. Subject loan is a refinance case, originated on xx/xx/xxxx and the x-year SOL is active.<br>Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. Subject loan is a refinance case, originated on xx/xx/xxxx and the x-year SOL is active. |  |  |
| 35356732 | xx | xx | xx | da2a7ebc-5993-445f-8fd8-49e03aadfec2 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Interest and Fees Pre-closing Disclosure is missing from the loan file (Lvl 3) | Home equity loan interest and fees pre-closing disclosure is missing from the loan documents. |  |  |
| 13299397 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows income used for qualifying is not supported. Review shows lender accepted handwritten paystubs and a xxxx Wx that was unable to be verified. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, and $xxK equity in the subject. |  |  |
| 13299397 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "xx" state that the manufactured home with serial # xx has been affixed to the permanent foundation. |  |  |
| 13299397 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 81398347 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan documents. |  |  |
| 81398347 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$xxx.xx. <br> The following fees were included in the test:<br> Funding, Wire, or Disbursement Fee paid by Borrower: $xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Processing Fee paid by Borrower: $xxx.xx<br> Underwriting Fee paid by Borrower: $xxx.xx.<br>The loan fails the qualified mortgage lending policy points and fees test due to fees charged $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$xxx.xx. The below fees were included in the test: Funding, Wire, or Disbursement Fee paid by Borrower: $xxx.xx<br> Points - Loan Discount Fee paid by Borrower: $x,xxx.xx<br> Processing Fee paid by Borrower: $xxx.xx<br> Underwriting Fee paid by Borrower: $xxx.xx. |  |  |
| 81398347 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan approved without a FICO score for BWR and home buyer education certificate is missing. Further details not provided. |  |  |
| 81398347 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 3067936 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 3067936 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Settlement service providers list is missing from the loan documents. |  |  |
| 3067936 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| 3067936 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject closed as a non-escrowed loan with an LTV of xx%, exceeding the threshold of xx% for non-escrowed loans. ATR - confirmed via DU with Day x Certainty. |  |  |
| 3067936 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xx.xx. Loan estimate dated xx/xx/xxxx reflects Appraisal Fee at $xxx.xx. Final CD dated xx/xx/xxxx reflects Appraisal Fee at $x,xxx.xx. This is a cumulative increase in fees of +$xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL is active. Loan failed charges that in total cannot increase more than xx% tolerance test. Initial LE dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $x,xxx.xx. This is a cumulative increase of +$xx.xx for charges that in total cannot increase more than xx% test. Valid COC for the increase in fee is not available. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL is active. |  |  |
| 3067936 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 16507049 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan fails the prohibited fees test due to fees charged of $xxx.xx exceeding the fees threshold of $x.xx by +$xxx.xx. The below fees were included in the test: eClosing fee paid by Borrower: $xx.xx Title—Closing Protection Letter Paid by Borrower: $xx.xx Title—Flood Zone Determination Paid by Borrower: $xx.xx |  |  |
| 16507049 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | AUS | Active | 3: Curable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) | The AUS/DU report is missing from the loan documents. |  |  |
| 16507049 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows AUS findings were invalidated as the appraised value captured was incorrect, $xx lower than the actual appraised value of $xx. The AUS report is missing from the loan documents. Further details not provided. |  |  |
| 16507049 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 16507049 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings. The revised loan estimate receipt date is provided, and the revised loan estimate receipt date is less than four business days. This loan failed the TRID disclosure delivery date validation test. A revised loan estimate delivery date is on the closing disclosure delivery test. |  |  |
| 94677536 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xxxK. Current UPB is $xx. |  |  |
| 94677536 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 91698333 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows the FNMA deemed the subject loan ineligible for purchase as the subject condo project was ineligible. A review of the condo questionnaire did not reflect any special assessment planned for repairs. Further details not provided. A Zillow search shows an estimated amount of $xx. Current UPB $xx. |  |  |
| 85348121 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issues | Active | 1: Acceptable | \* Settlement date is different from note date (Lvl 1) | Final CD reflects closing date as xx/xx/xxxx. Notary's signature date on the mortgage/deed of trust is xx/xx/xxxx. Note date is xx/xx/xxxx. |  |  |
| 85348121 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows VOE at closing showed BWR was inactive. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has xx.xx years on the job as a xx, FICO xxx, and $xxK equity in the subject. |  |  |
| 36207640 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from loan documents. |  |  |
| 36207640 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD dated xx/xx/xxxx reflects cash to borrower in the amount of $x,xxx.xx. |  |  |
| 36207640 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 36207640 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The seller's tape data shows monthly payments not calculated properly. |  |  |
| 36207640 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape and review shows the Lender did not include a loan on the paystub in the DTI. Lender defect. Revised DTI xx%.The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx. FICO xxx. $x,xxx residual income. $xK equity in the subject. |  |  |
| 36207640 | xx | xx | xx | c3e6361e-df5f-4c53-9b34-b137e5a1b580 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Credit | Active | 3: Curable | \* LTV / CLTV > 100% (Lvl 3) | Collateral value used for underwriting is $xx. Amount of secondary lien is $xx. Loan amount is $xx. LTV is xx% and CLTV is xx%, The current UPB is $xx. |  |  |
| 76689844 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan approved without a FICO score for BWR and home buyer education certificate is missing. Further details not provided. |  |  |
| 4917545 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. The Lender miscalculated SE income and did not take into consideration business losses from another business owned with her spouse. Lender defect. Revised DTI is xx%. Subject loan originated xx/xx/xxxx and the x-year SOL is active. The BWR is xx for x years and Co-Owner with her spouse of xx, FICO xxx, and $xx.xK equity in the subject. |  |  |
| 4917545 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 91778036 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD, dated xx/xx/xxxx, reflects cash to in the amount of $xx.xx. |  |  |
| 91778036 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan is not insurable, as the original appraisal was rejected by the investor and the second appraisal was documented x months after closing. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 91778036 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| 91778036 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Pennsylvania license validation test. |  |  |
| 91778036 | xx | xx | xx | 50a8f171-1bbd-41a1-8281-6ef5904bb2ac | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Notice of Servicing Transfer missing or unexecuted (Lvl 3) | The loan was originated on xx/xx/xxxx with the loan amount of $xx. PH shows a large transaction in the amount of $xx on xx/xx/xxxx and the current UPB is $x.xx. The latest payment history is missing from xx/xx/xxxx to xx/xx/xxxx. Tape shows the current UPB as $xx. As per the collection comment dated xx/xx/xxxx, the loan was service transferred. Further details not available. |  |  |
| 72518594 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase risk indicator is "Moderate" due to this loan failed the TILA APR test<br> This loan failed the predatory lending guidance test due to one or more of the following findings<br> This loan failed the points and fees test. (Fannie Mae Lender Letter Ann. xx-xx)<br> This loan failed the points and fees test. Freddie Mac Industry Letter xx/xx/xxxx)<br> This loan failed the brokerage/finder fee test. |  |  |
| 72518594 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from the loan files. |  |  |
| 72518594 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan files. |  |  |
| 72518594 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan files. |  |  |
| 72518594 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan files. |  |  |
| 72518594 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the brokerage/finder fee test. <br> The mortgage loan charges a brokerage/finder fee that exceeds x% of the total loan amount. Under the Tennessee Rules and<br> Regulations, brokerage fee is synonymous with finder fee.<br> Any brokerage/finder fee of more than x% of the principal amount of the loan will be presumed to be unfair and unreasonable and<br> shall be grounds to revoke the license or registration of such licensee or registrant, unless such licensee or registrant can provide<br> evidence showing that such fee constitutes fair and reasonable compensation |  |  |
| 72518594 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test<br> The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than<br> x/x of x percentage point above or below the APR as determined in accordance with the actuarial method.<br> This loan failed the predatory lending guidance test due to one or more of the following findings:<br> The loan failed the allowable points and fees test.<br> The loan exceeds the HOEPA APR threshold for primary residences.<br> The loan exceeds the HOEPA points and fees threshold for primary residences.<br> This loan failed the points and fees test.<br> The points and fees charged to the borrower exceed the greater of x% of the mortgage amount or $x,xxx. |  |  |
| 72518594 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | Final HUD-x is not signed by the borrower. |  |  |
| 72779778 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | Lost note affidavit dated xx/xx/xxxx was found at location "xx" showing original note was misplaced, lost or destroyed. Copy of Note is also located at "xx". |  |  |
| 72779778 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Loan is HELOC no TIL will be available in file, hence exception is resolved. |  |  |
| 67865935 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Michigan | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | PMI certificate is missing in the loan file. |  |  |
| 67865935 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Non-QM | QC Complete | Michigan | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand dated by borrowers. |  |  |
| 53163814 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan is a purchase case. The tape shows the homebuyer education certificate is missing. Further details not provided. |  |  |
| 53163814 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. The Lender used BWR x income when the employer LOE stated she worked in office in NY and remote and the subject property is located in xx. In addition, foreign tax returns and assets statements were missing to support the asset depletion income. Revised DTI in excess of xxx%. Subject loan originated xx/xx/xxxx and the x-year SOL is active. Both BWR's are employed with xx for xx years, FICO xxx, and $xxxK equity in the subject. |  |  |
| 92671254 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Application is missing from the loan files. |  |  |
| 92671254 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x along with the estimated HUD-x and Itemization are missing from the loan files. |  |  |
| 92671254 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan files. |  |  |
| 92671254 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal is missing from the loan files. |  |  |
| 51177572 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is signed but not hand dated by borrower. |  |  |
| 51177572 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final loan application along with transmittal summery is missing in the loan files. |  |  |
| 12326112 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | Following GA state disclosures are missing from the loan file.<br> x)Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom)<br> x)Disclosure of Additional Fees |  |  |
| 12326112 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 12326112 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Compliance risk indicator is Elevated as the loan is failing for GSE (Fannie Mae public guidelines) Prepayment Penalty Term Test and GSE (Freddie Mac public guidelines) Prepayment Penalty Term Test.<br> This loan failed the prepayment penalty term test.<br> (Fannie Mae xxxx Selling Guide, Part IV, xxx.xx)The loan charges a prepayment penalty with a term exceeding x years.<br> This loan failed the prepayment penalty term test. <br> (Freddie Mac Industry Letter xx/xx/xxxx) The loan is a primary residence loan that charges a prepayment penalty with a term exceeding x years |  |  |
| 12326112 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR singed but not hand dated by borrower. |  |  |
| 12326112 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 89322896 | xx | xx | xx | e99b279c-a3fe-4039-91dc-3f33c0f684d9 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Good Faith Estimate is Missing (Lvl 2) | Initial GFE is missing from the loan file. |  |  |
| 89322896 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final loan application is missing from the loan files. |  |  |
| 89322896 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | Final GFE is missing from the loan files. |  |  |
| 89322896 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | credit report missing in loan file. |  |  |
| 89322896 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. |  |  |
| 89322896 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct Disclosure is missing from the loan file. |  |  |
| 89322896 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service provider is missing from the loan file. |  |  |
| 89322896 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 89322896 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing Transfer is missing from the loan file. |  |  |
| 89322896 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property has been located in NJ. The following required disclosures are missing in the available loan files.<br> x) NJ Application Disclosure.<br> x) Delivery Fee Authorization.<br> x) Lock-In Agreement.<br> x) Commitment Disclosures. |  |  |
| 89322896 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 89322896 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 89322896 | xx | xx | xx | 6d175d99-f2e3-4d75-80a0-682f8b85b1ea | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Truth in Lending Disclosure is Missing (Lvl 2) | Initial TIL is missing from the loan file. |  |  |
| 89322896 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x is missing from the loan file. However, neither estimated hud-x nor itemization is available in the loan file. |  |  |
| 45083530 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form is missing from the loan file . |  |  |
| 45083530 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final xxxx along with underwriting transmittal is missing from the loan file . |  |  |
| 45083530 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing in the loan file . |  |  |
| 45083530 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing in the loan file. |  |  |
| 45083530 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index value is unable to confirm from the lender provided document. |  |  |
| 45083530 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report at origination is missing from the loan file. |  |  |
| 45083530 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing Transfer Disclosure is missing in the loan file . |  |  |
| 45083530 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan Program Disclosure is missing from the loan file. |  |  |
| 45083530 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x along with estimated HUD-x and itemization is missing from the loan file. |  |  |
| 45083530 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | Following state (MA) disclosures are missing from the loan file:-<br> x)Lead-Based Paint Disclosure<br> x)Mortgage Loan Application Disclosure<br> x)Carbon Monoxide Alarms<br> x)MA Smoke Detector Certificate<br> x)Notice of the Specific Reason for Denial of Credit<br> x)Demonstration and Documentation of Compliance with Borrower's Interest Requirement |  |  |
| 95340432 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | credit report missing in loan file. |  |  |
| 95340432 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report at the time of origination of the loan is missing from the loan file. |  |  |
| 95340432 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service providers disclosure is missing from the loan file. |  |  |
| 95340432 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final xxxx is missing from the loan file. |  |  |
| 95340432 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The following state (OH) disclosures are missing from the loan file:<br>x. Equal Credit Availability Notice<br> x. Insurance Tying Disclosure<br> x. Non-Deposit Insurance Disclosure |  |  |
| 54689217 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing in the loan file. |  |  |
| 54689217 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | credit report missing in loan file. |  |  |
| 54689217 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan Program disclosure is missing in the loan file. |  |  |
| 54689217 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index value source could not be found in the loan file. |  |  |
| 54689217 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | An appraisal report is missing in the loan file. |  |  |
| 54689217 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This compliance risk indicator is Significant as loan is failing for the ARM rate adjustment cap test.<br>The loan failed the ARM rate adjustment cap test due to one or more of the following findings:<br> The loan is a one or three-year adjustable rate mortgage and the initial or subsequent adjustment caps exceed x%; or<br> The loan is a five, seven, or ten-year adjustable rate mortgage and the initial or subsequent adjustment caps exceed x%;<br> or<br> The initial adjustment period exceeds xxx months. The FHA does not offer a hybrid ARM loan program with an initial<br> adjustment period that exceeds xxx months. |  |  |
| 54689217 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing in the loan file. |  |  |
| 54689217 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing in the loan file. |  |  |
| 54689217 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing in the loan file. |  |  |
| 54689217 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The list of service providers disclosure is missing in the loan file. |  |  |
| 54689217 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | MI Cert is missing in the loan file. |  |  |
| 4069043 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing in the loan file. |  |  |
| 4069043 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final xxxx is missing in the loan file. |  |  |
| 4069043 | xx | xx | xx | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) | NY AB xxxxx High Cost Home Loan Points and Fees Threshold Test: FAIL Charged $xx,xxx.xx Allowed $xx,xxx.xx Over By +$xxx.xx however the SOL is till x years from Origination and that the Note Date is xx/xx/xxxx.<br>This loan failed the points and fees threshold test due to one of the following findings: (NY AB xxxxx §x, x-L (x)(g)(ii))<br> The total points and fees (as defined in NY AB xxxxx) exceed five percent of the total loan amount (as defined in NY AB xxxxx) if the total loan amount is fifty thousand dollars or more.<br>Fees Included -<br> Loan Origination Fee $xx,xxx.xx<br> Application Fee $xxx.xx<br> Processing Fee $xxx.xx<br> Application Fee $xxx.xx<br> Attorney's Fee (Other) $x,xxx.xx<br>Affirmative Claims can be made within x years of Origination and that the Note Date is xx/xx/xxxx. SOL for affirmative claims has been expired. The borrower may bring defensive claims at any time. |  |  |
| 4069043 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing transfer is missing in the loan file. |  |  |
| 4069043 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing in the loan file. |  |  |
| 4069043 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing in the loan file. |  |  |
| 4069043 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The required Disclosure is missing in the loan file.<br> NY Consumer Credit Disclosure / Fair Credit Reporting Notice<br> NY Interest Rate Disclosure<br> NY Hazard Insurance Disclosure<br> Mortgage Bankers and Exempt Organizations Preapplication<br> Part xx Disclosure<br> Alternative Mortgage Transaction Disclosures<br> Default Warning Notice<br> New York Real Property Escrow Account Disclosure<br> Subprime Home Loan Counseling Disclosure<br> Subprime Home Loan Tax and Insurance Payment Disclosure<br> Subprime Home Loan Disclosure<br> Commitment Disclosure<br> Lock-in Disclosure<br> Expiration of Lock-in or Commitment Period |  |  |
| 4069043 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file, loan is HELOC. |  |  |
| 92922593 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 92922593 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service providers document is missing from the loan file. |  |  |
| 92922593 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | credit report missing in loan file. |  |  |
| 92922593 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | According to final Hud-x, settlement date is xx/xx/xxxx which is different from note date that is xx/xx/xxxx. |  |  |
| 92922593 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in the state of california. The following state disclosures are required and are missing from the loan file. <br> Impound Account Disclosure <br> Private Mortgage Insurance Disclosure <br> Hazard Insurance Disclosure<br> CA Fair Lending Notice<br> Anti Tying Disclosure<br> Privacy Notice <br> Notice of Right to Copy of Appraisal<br> Fair Debt Collection Notice<br> Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application |  |  |
| 92922593 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 44093405 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 44093405 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure is missing from the loan file. |  |  |
| 44093405 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | The subject mortgage was originated on xx/xx/xxxx. However, according to final HUD-x, the settlement date is xx/xx/xxxx which is eight days after the note date. |  |  |
| 44093405 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. |  |  |
| 44093405 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | Final HUD-x is not signed by the borrower. |  |  |
| 44093405 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer document is missing from the loan file. |  |  |
| 26215056 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial account disclosure is missing from the loan file. |  |  |
| 26215056 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The list of service provider document is missing from the loan file. |  |  |
| 26215056 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required affiliated business disclosure is missing from loan file |  |  |
| 26215056 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | NEW JERSEY<br>The subject property is located in NJ state. The following required disclosures are missing in the loan file:<br> x) NJ Application Disclosure <br> x) Delivery Fee Authorization <br> x) NJ Attorney Disclosure <br> x) Unacceptability of Insurance Notice <br> x) NJ Attorney Disclosure II <br> x) Tax Bill Information <br> x) Private Well Testing <br> x) Lock-In Agreement <br> x) Commitment Disclosures <br> xx) Choice of Insurer Disclosure <br> xx) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application.<br> xx)Initial escrow account disclosure |  |  |
| 26215056 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from loan documents. |  |  |
| 26215056 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | This is a conventional loan. LTV at the origination was xx%. The tape data is reflected MI required. Final xxxx reflect monthly MI in the amount of $xx; however, MI certificate is missing in the loan files. |  |  |
| 26215056 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The Notice of Servicing Transfer disclosure is missing from the loan file. |  |  |
| 31547465 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. |  |  |
| 31547465 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing in missing from the loan file. |  |  |
| 31547465 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from loan documents. |  |  |
| 31547465 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 31547465 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of service transfer disclosure is missing from the loan file. |  |  |
| 31547465 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | HUD-x along with estimated hud and itemization is missing from the loan file. |  |  |
| 31547465 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application si missing from the loan file. |  |  |
| 31547465 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 8331179 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 8331179 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The following disclosures are missing from the loan file, Oregon Forced Placed Insurance Notice, Escrow Notice for Loans Sold to Out-of- State Purchases within one year, Anti-Coercion Notice, Insurance Premium Notice, Insurance Sales Notice and Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. |  |  |
| 8331179 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Oregon | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | The HUD-x is available in the loan file; however, it is not signed by the borrower. |  |  |
| 89764214 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The Required Affiliated Business disclosure is missing in the given loan files. |  |  |
| 89764214 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Compliance Ease Risk Indicator is moderate as the loan is failing for PA interest rate test : FAIL x.xxx% Allowed x.xxx% Over By +x.xxx%.<br>The loan has an interest rate that does not conform to the requirements for the lenders license type in the state where the<br> property is located. |  |  |
| 89764214 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The list of service providers disclosure is missing from the loan file. |  |  |
| 89764214 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Compliance Ease Risk Indicator is moderate as the loan is failing for PA interest rate test : FAIL x.xxx% Allowed x.xxx% Over By +x.xxx%.<br> This loan failed the interest rate test.<br> The loan has an interest rate that does not conform to the requirements for the lenders license type in the state where the<br> property is located |  |  |
| 36019736 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is not missing from the loan file. |  |  |
| 36019736 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test.<br> Loan data x.xx%, Comparison data x.xxx% hence variance is - x.xxx%<br> Final TIL is missing from the loan file. APR is considered x.xx% to test the CE report. |  |  |
| 36019736 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA APR test. |  |  |
| 36019736 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | Below state disclosures are missing from the loan file.<br> x. Affidavit of Consideration<br> x. No escrow Account. |  |  |
| 36019736 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from loan documents. |  |  |
| 36019736 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliate business disclosure is missing from the loan file. |  |  |
| 36019736 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow disclosure is missing from the loan file. |  |  |
| 36019736 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 36019736 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan file. |  |  |
| 69123464 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Compliance risk indicator is Moderate due to loan is failing for TILa foreclosure rescission finance charge test. <br> Loan date is $xx comparison date is $xx,xxx.xx and variance is -$xx.xx. |  |  |
| 69123464 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA foreclosure rescission finance charge test. (xx CFR §xxxx.xx(h) , transferred from xx CFR §xxx.xx(h))<br> The finance charge is $xx,xxx.xx. The disclosed finance charge of $xx,xxx.xx is not considered accurate for purposes of rescission because it is understated by more than $xx.. |  |  |
| 69123464 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | Following (MI) state disclosures are missing from the loan file.<br> MI Borrower's Bill of Rights<br> Choice of Insurance Agent |  |  |
| 49271970 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Louisiana | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 49271970 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | x. This loan failed the TILA APR test due to APR we considered as x.xxx% as final TIL is missing from the loan file.<br> x. This loan failed the predatory lending guidance test due to the loan failed the allowable points and fees test.<br> x. This loan failed the points and fees test as the points and fees charged to the borrower exceed the greater of x% of the mortgage amount or $x,xxx.<br> GSE (Fannie Mae public guidelines) Points and Fees Test: FAIL Loan data: $x,xxx.xx Comparison date: $x,xxx.xx Variance: +$x,xxx.xx |  |  |
| 49271970 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The following state (LA) disclosures are missing from the loan file:<br>x. Authorization Fees, Charges and Expenses for Federally Related Mortgage Loans<br> x. Anti-Tying Disclosure<br> x. Financial Institution Choice of Insurance Disclosure |  |  |
| 49271970 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service providers disclosure is missing from the loan file. |  |  |
| 49271970 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase risk indicator is "Moderate" due to TILA APR Test fail and GSE (Fannie Mae and Freddie Mac public guidelines) Points and Fees Test fail. |  |  |
| 31297207 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | Below state disclosures are missing from the loan file.<br> x. Unacceptability of Insurance Notice. |  |  |
| 31297207 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | The disclosed annual percentage rate (APR) of xx% is considered accurate because it is not more than x/x of x percentage point above or below the APR of xx% as determined in accordance with the actuarial method; or The disclosed APR results from the disclosed finance charge, and the disclosed finance charge is considered accurate. The points and fees charged to the borrower do not exceed the greater of x% of the mortgage amount or $xx. |  |  |
| 31297207 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | CE fail for State Regulations Restricted Fees.<br> Prohibited Fees Test-<br> Loan data $xxxx.xx, comparison data $x.xx hence variance $xxxx.xx |  |  |
| 14025972 | xx | xx | xx | 68e3a122-77dd-4825-90ca-67f762667468 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | DTI | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI Lending Policies limits the loan to 43% - This loan failed the qualified (Lvl 2) | This loan is failing Qualified Mortgage DTI Threshold Finding. The borrower has total monthly income of $xx and total expenses are in the amount of $xx hence DTI becomes xx% which exceeds xx% threshold. However Underwriting transmittal is available in loan files which states the subject loan is originated as xx, so it can qualifies as temporary safe harbor. |  |  |
| 14025972 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | The borrower has total monthly income of $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx hence DTI becomes xx% which exceeds xx%. This is HARP loan |  |  |
| 14025972 | xx | xx | xx | e99b279c-a3fe-4039-91dc-3f33c0f684d9 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Good Faith Estimate is Missing (Lvl 2) | Initial GFE is missing from the loan file. |  |  |
| 14025972 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | The CE risk indicator is Elevated as the loan is failing Qualified Mortgage DTI Threshold Finding. The borrower has total monthly income of $xx and total expenses are in the amount of $x,xxx.xx hence DTI becomes xx% which exceeds xx% threshold. However Underwriting transmittal is available in loan files which states the subject loan is originated as HARP, so it can qualifies as temporary safe harbor. |  |  |
| 14025972 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | As per appraisal report original appraised value is $xx and value used by lender for LTV is $xx. Hence, LTV is greater than xx%. To coverage the loan MI certificate is required. however, MI certificate is missing from the loan file. |  |  |
| 14025972 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | Subject property is located at NJ state. <br> Following state disclosure is missing from the loan file:-<br> x) Unacceptability of Insurance Notice.<br> x) Tax Bill Information.<br> x) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application<br> x) Choice of Insurer Disclosure. |  |  |
| 14025972 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure is missing from the loan file. |  |  |
| 75429008 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | QM | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. However, the appraised value is updated from xxxx. |  |  |
| 75429008 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by all the borrowers. |  |  |
| 75429008 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service provider disclosure is missing from the loan file. |  |  |
| 96535494 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | After entering the data provided by the application the DTI is greater than xx% |  |  |
| 96535494 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal is missing from the loan file. Only first page of the appraisal is located at "xx" in the loan file but the xnd and other pages which reflects the appraisal amount was not found. |  |  |
| 96535494 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | The date on the ROR was typed in, not hand dated by borrower. |  |  |
| 96535494 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Below mentioned state disclosures are missing from the loan file.<br> x. NJ Attorney Disclosure<br> x. Tax Bill Disclosure |  |  |
| 96535494 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The Final HUD is missing from the loan file. There is only the signature page of the HUD located at "xx" in the file. |  |  |
| 11266987 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in Indiana State and the IN state requires total x disclosures which are missing from the loan file. <br> x)Hazard Insurance Disclosure<br> x)Federal Consumer Credit Protection Act Disclosure<br> x)Insurance Freedom of Choice Disclosure |  |  |
| 11266987 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business disclosure is missing from the loan file. |  |  |
| 11266987 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | Final GFE is missing from the loan file. |  |  |
| 11266987 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final xxxx is missing from the loan file. |  |  |
| 11266987 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 11266987 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 11266987 | xx | xx | xx | 6d175d99-f2e3-4d75-80a0-682f8b85b1ea | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Truth in Lending Disclosure is Missing (Lvl 2) | Initial TIL is missing from the loan file. |  |  |
| 11266987 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 11266987 | xx | xx | xx | e99b279c-a3fe-4039-91dc-3f33c0f684d9 | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Good Faith Estimate is Missing (Lvl 2) | Initial GFE is missing from the loan file. |  |  |
| 11266987 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x is missing from the loan file. However, there is neither estimated Hud-x nor itemization available in the loan file. |  |  |
| 11266987 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. |  |  |
| 11266987 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service providers document is missing from the loan file. |  |  |
| 69182265 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from loan file. |  |  |
| 69182265 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service provider is missing from loan file. |  |  |
| 69182265 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | Settlement date is different from note date, as per the original note note date is xx/xx/xxxx, however final HUD x reflects settlement is xx/xx/xxxx. |  |  |
| 69182265 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Compliance Ease risk is "Elevated" due to GSE failed for point and fee test. |  |  |
| 69182265 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | Final HUD x is not signed by borrower. |  |  |
| 69182265 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The property is in Maryland state and in this MD state x disclosures are required, however all disclosures are missing from loan file as follows.<br> x)Affidavit of Consideration<br> x)Affidavit of Disbursement<br> x)First Time Buyers Affidavit<br> x)Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure<br> x)Balloon Payment<br> x)No Escrow Account<br> x)Mandatory Binding Arbitration Disclosures |  |  |
| 88847202 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | According to final loan application, the total monthly income of the borrower is in the amount of $x,xxx.xx and the total monthly expenses are $x,xxx.xx. Hence, DTI exceeds xx%. |  |  |
| 88847202 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service providers is missing from the loan file. |  |  |
| 88847202 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Loan is Failing for NC State Regulation Test.<br>Borrower has been charged Loan Discount Fees $x,xxx however Bona Fide Disclousre is missing confirming the undiscounted rate. |  |  |
| 88847202 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in NC State. The following state disclosures are missing from the loan file:<br> x]Amortization Schedule Disclosure.<br> x]Credit Property Insurance Disclosure.<br> x]Fee Agreement.<br> x]Priority of Security Instrument Disclosure.<br> x]Attorney Selection Disclosure. |  |  |
| 88847202 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | CE Risk Indicator is Moderate as the loan is Failing for NC State Regulation Test. |  |  |
| 88847202 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form is missing from the loan file. |  |  |
| 96367069 | xx | xx | xx | 40732d41-ff63-42f7-90be-34db1148c008 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) | Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file |  |  |
| 96367069 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase Risk Indicator is " Moderate" due to Prepayment Term Test fail. |  |  |
| 96367069 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | ComplianceEase State Regulation Test Fail due to Prepayment Term Test:.<br> Prepayment Term Test shows Loan Data: xx Month, Comparison Data: x Month, Variance: xx Months. |  |  |
| 80145263 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing Transfer is missing from the loan file. |  |  |
| 80145263 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. |  |  |
| 80145263 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service Providers is missing from the loan file. |  |  |
| 80145263 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | According to Final xxxx, borrowers income is in the amount of $x,xxx.xx and total expenses of borrower are $x,xxx.xx. Therefore, DTI exceeds xx%. |  |  |
| 63465255 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in MA state. The following state disclosure are missing from the loan file Lead-Based Paint Disclosure, Carbon Monoxide Alarms, MA Smoke Detector Certificate. |  |  |
| 63465255 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final Application is missing from the loan file along with transmittal summary report. |  |  |
| 63465255 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. |  |  |
| 63465255 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service Provider is missing from the loan file. |  |  |
| 63465255 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 63465255 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Disclosure Document is missing from the loan file. |  |  |
| 63465255 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 63465255 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Fianl HUD-x is missing from the loan file along with itemization and estimated HUD-x. |  |  |
| 56280168 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from loan file. |  |  |
| 56280168 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service provider is missing from loan file. |  |  |
| 56280168 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required affiliated business disclosure missing/unexecuted is missing from loan file. |  |  |
| 56280168 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer missing from loan file. |  |  |
| 56280168 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in New York state, however required state disclosure missing from loan file as follows.<br>x.Expiration of Lock-in or Commitment Period.<br> x.Lock-in Disclosure.<br> x.Commitment Disclosure. |  |  |
| 56280168 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Available copy of HUD-x is not signed by borrower. The same the copy of HUD-x shows settlement date is xx/xx/xxxx and note date is xx/xx/xxxx. However, this copy of HUD-x is considered as final HUD-x. |  |  |
| 56280168 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | Available copy of HUD-x shows settlement date is xx/xx/xxxx which is later than the note date is xx/xx/xxxx. |  |  |
| 25806992 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from loan the file. |  |  |
| 25806992 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in Maryland state and the MD state requires total x disclosures. However all the disclosures are missing from loan file as:<br> x) Affidavit of Disbursement <br> x) Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure<br> x) No Escrow Account<br> x) Mandatory Binding Arbitration Disclosures |  |  |
| 25806992 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The loan is conventional loan and the LTV is xx%, therefore MI certificate is required. However, it is missing from loan file and the data is considered from Mortgage insurance screen print. (Doc- xx) |  |  |
| 25806992 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form is missing from loan file. |  |  |
| 25806992 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service provider is missing from loan file. |  |  |
| 24801901 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | As per final xxxx the total monthly income of borrower is $xx and total monthly expenses are $xx. Hence DTI>xx% |  |  |
| 24801901 | xx | xx | xx | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) | Compliance risk indicator is Significant due to the loan is failing for NC SB xxxx High Cost Home Loan Prepayment Term Test, NC SB xxxx High Cost Home Loan DTI Presumption Test: and NC SB xxxx High Cost Home Loan Financing of Points and fees test Fees Test. <br>SOL to make any claim is x years and that the Note Date is xx/xx/xxxx. |  |  |
| 24801901 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | An affiliated business disclosure is missing from the loan file. |  |  |
| 24801901 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service providers is missing from the file. |  |  |
| 24801901 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is signed but not hand dated by borrower. |  |  |
| 24801901 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 21876624 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in MD State.<br> Following disclosures are missing from the loan file.<br> x. Affidavit of Consideration<br> x. Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure<br> x. Balloon Payment<br> x. No Escrow Account |  |  |
| 21876624 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of service transfer disclosure is missing from the loan file. |  |  |
| 21876624 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service providers disclosure is missing from the loan file. |  |  |
| 21876624 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by the borrower. |  |  |
| 2502708 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA foreclosure rescission finance charge test.<br> The finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate for purposes of rescission because it is understated by more than $xx. |  |  |
| 2502708 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Colorado | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow is missing from the loan file. |  |  |
| 2502708 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The List of Service Providers is missing from the loan file. |  |  |
| 2502708 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The state required Disclosure is missing from the loan file listed as follows;<br> Cash-Out Refinance Disclosure<br> Property Insurance Disclosure<br> Colorado Notice to Cosigner<br> Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application |  |  |
| 2502708 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA foreclosure rescission finance charge test.<br> TILA Foreclosure Rescission Finance Charge Test: FAIL <br> Loan data $xxx,xxx.xx Comparison data $xxx,xxx.xx Variance -$xx.xx |  |  |
| 2502708 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Non-QM | QC Complete | Colorado | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR not hand dated by borrower. |  |  |
| 18940021 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The property is located in OH state and the required disclosures for this state are missing from the loan file as follow. <br> x) Equal Credit Availability Notice<br> x) Insurance Tying Disclosure<br> x) Non-Deposit Insurance Disclosure |  |  |
| 18940021 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The list of service provider disclosure is missing from the loan file. |  |  |
| 18940021 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | credit report missing in loan file. |  |  |
| 18940021 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form disclosure is missing from the loan file |  |  |
| 29687154 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | The operative index value can not be determined from the available loan files. |  |  |
| 29687154 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Arizona | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | Final HUD-x is not signed by all the borrower. |  |  |
| 29687154 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Arizona | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | The Loan program disclosure is missing in the loan file. |  |  |
| 29687154 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | Arizona | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | Note is xx/xx/xxxx and settlement date is xx/xx/xxxx which is different to note date. |  |  |
| 29687154 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The affiliated business disclosure is missing in the loan file. |  |  |
| 81659981 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in IL state. The following state disclosure are missing from the loan file as follow:<br> IL Collateral Protection Insurance Notice,<br> Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. |  |  |
| 81659981 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 81659981 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. |  |  |
| 81659981 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service Providers is missing from the loan file. |  |  |
| 20753052 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | credit report missing in loan file. |  |  |
| 20753052 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.<br>The loan does charge fee not provided for in this act, which is prohibited.<br> A person licensed as a mortgage broker shall have the right to charge only the following fees: (x) application fee; and (x)<br> discount points which may be labeled as an origination fee.<br> A person licensed as a mortgage banker or correspondent mortgage banker shall have the right to charge only the following<br> fees:<br> (x) a credit report fee;<br> (x) appraisal fee;<br> (x) application fee;<br> (x) commitment fee; |  |  |
| 20753052 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing in the loan file. |  |  |
| 20753052 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List Of Service Providers is missing in the loan files. |  |  |
| 20753052 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Disclosure Document is missing in the loan file. |  |  |
| 20753052 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | An operative index value is unable to confirm from the available loan file . |  |  |
| 20753052 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Prohibited Fees Test: FAIL Loan Data $x,xxx.xx Comparison Data $x.xx Variance +$x,xxx.xx |  |  |
| 20753052 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing in the loan file. |  |  |
| 20753052 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in NJ state. The following state disclosure are missing in the loan files.<br> x)NJ Attorney Disclosure<br> x)Unacceptability of Insurance Notice<br> x)Attorney Disclosure II<br> x)Tax Bill Information<br> x)Choice of Insurer Disclosure<br> x)Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. |  |  |
| 77766069 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit Report missing from loan file. |  |  |
| 77766069 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan is failed to <br> x) This loan failed the interest rate test.<br> Loan Data xx.xxx% Comparison Data xx.xxx% Variance x.xxx |  |  |
| 77766069 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase risk indicator is moderate due to<br> x) This loan failed the interest rate test. |  |  |
| 77766069 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The loan is conventional and the LTV is xx% hence MI certificate is required and it is missing from loan file. |  |  |
| 14721450 | xx | xx | xx | bbe82b12-eddd-4a07-9e0d-03ad80095bd9 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Not Signed by All Borrowers (Lvl 2) | Final application is missing in the loan file. However, values considered from initial application dated xx/xx/xxxx. |  |  |
| 14721450 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | The operative index value source could not be found in the loan file. |  |  |
| 14721450 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing in the loan file. |  |  |
| 14721450 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing in the loan file. |  |  |
| 14721450 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing in the loan file. |  |  |
| 14721450 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal is missing from the loan file. The details are updated from Form xxxx present in the loan file. |  |  |
| 14721450 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The list of service providers disclosure is missing in the loan file. |  |  |
| 14721450 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit Report missing from loan file. |  |  |
| 69077855 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated Business Disclosure is missing from the loan file. |  |  |
| 69077855 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | Property is located in NY state and the required disclosures for this state are missing from the loan file as follow.<br> x. NY Consumer Credit Disclosure / Fair Credit Reporting Notice<br> x. NY Hazard Insurance Disclosure<br> x.Tax Escrow Account Designation<br> x. Mortgage Bankers and Exempt Organizations Preapplication<br> x. Commitment Disclosure<br> x. Lock-in Disclosure |  |  |
| 69077855 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service provider disclosure is missing from the loan file. |  |  |
| 76586932 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. |  |  |
| 76586932 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service Provider disclosure is missing from the loan file. |  |  |
| 76586932 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in NY state. The following state disclosure are missing from the loan file as follows:<br> NY Consumer Credit Disclosure / Fair Credit Reporting Notice, <br> NY Interest Rate Disclosure, <br> NY Hazard Insurance Disclosure, <br> Tax Escrow Account Designation, <br> Mortgage Bankers and Exempt Organizations Pre-application, <br> Co-Signer Notice Requirements,<br> Default Warning Notice, <br> New York Real Property Escrow Account Disclosure,<br> Commitment Disclosure, Lock-in Disclosure, Expiration of Lock-in or Commitment Period. |  |  |
| 76586932 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Disclosure is missing from the loan file. |  |  |
| 52500514 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | Following are the state disclosure which are missing from the loan file;<br> x.Oregon Forced Placed Insurance Notice<br> x.Notice where Escrow Account is NOT Required<br> x.Escrow Notice for Loans Sold to Out-of- State Purchases within one year<br> x.Anti-Coercion Notice<br> x.Insurance Premium Notice<br> x.Insurance Sales Notice<br> x.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application |  |  |
| 52500514 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Oregon | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | Final HUD-x is not signed by borrower. |  |  |
| 52500514 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service Providers is missing from the loan file. |  |  |
| 52500514 | xx | xx | xx | d37b6b0d-52a6-40cb-8ba6-8980e85842cd | xx | xx | xx | Non-QM | QC Complete | Oregon | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) | ROR transaction date shows as xx/xx/xxxx; however, note or HUD-x settlement date shows as xx/xx/xxxx. |  |  |
| 52500514 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. |  |  |
| 95979856 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | Subject property is located at NY state.<br> Following required state disclosure is missing from the loan file. :-<br> x) NY Consumer Credit Disclosure / Fair Credit Reporting Notice.<br> x) NY Interest Rate Disclosure.<br> x) NY Hazard Insurance Disclosure.<br> x) Tax Escrow Account Designation.<br> x) Co-Signer Notice Requirements.<br> x) Default Warning Notice.<br> x) Commitment Disclosure. |  |  |
| 95979856 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | As per appraisal report original LTV is xx%. To coverage the loan MI Certificate is required. however, MI Certificate is missing from the loan file. |  |  |
| 95979856 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the grace period test.<br> The loan has a grace period that does not conform to the requirements for the lender's license type in the state where the property is located.<br> According to the note Grace period (days) is xx which is comparison with xx days and variance is - x days. <br> This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.<br> According to note, late charge percent is x.xx% which is comparison with x.xx% and variance is +x.xx%. |  |  |
| 95979856 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the NY sub prime home loan test. (NY SB xxxx Section x, x(c))<br> Loan data is xx.xxx% which was comparison with x.xxx% and variance is +x.xxx%<br> Using the greater of the disclosed APR and the fully indexed rate, the loan is a sub prime home loan, as defined in the legislation. While the New York Sub prime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy sub prime home loans even if the<br> additional conditions are met.<br> This loan failed the federal un-discounted rate validation test.<br> The loan charges a bona fide discount fee without any reduction of the interest rate from the un-discounted rate. The interest rate should be less than the un-discounted rate if a bona fide loan discount fee is charged.<br> This loan failed the un-discounted rate validation test.<br> The loan charges a bona fide discount fee without any reduction of the interest rate from the un- discounted rate. The interest rate should be less than the un- discounted rate if a bona fide loan discount fee is charged. |  |  |
| 95979856 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan file. |  |  |
| 95979856 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service providers is missing from the loan file. |  |  |
| 95979856 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application along with transmittal is missing from the loan file. |  |  |
| 95979856 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct Disclosure is missing from the loan file. |  |  |
| 95979856 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | x) The loan complianceEase failed due to below state regulations. :-<br> This loan failed the grace period test and the late fees test.<br> x) This loan failed the federal un-discounted rate validation test.<br> x) This loan failed the un-discounted rate validation test. |  |  |
| 12974330 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. (N.J.S.A. §xx:xxC-xx, N.J.A.C. § §x:x-xx.x) The loan does charge fee(s) not provided for in this act, which is prohibited. <br> Mortgage Broker Fee (Direct) $x,xxx.xx<br> Funding Fee $xx.xx |  |  |
| 12974330 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase risk indicator is moderate as loan is failing for prohibited fees.<br> Mortgage Broker Fee (Direct) $x,xxx.xx<br> Funding Fee $xx.xx |  |  |
| 12974330 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service provider is missing from the loan file. |  |  |
| 12974330 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 49902257 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | MI is missing from loan file. |  |  |
| 49902257 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The list of service providers is missing from the loan file. |  |  |
| 49902257 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from loan file. |  |  |
| 50969518 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 50969518 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in Ohio State. The following required state disclosures are missing from the loan file.<br> x.Equal Credit Availability Notice<br> x.Insurance Tying Disclosure<br> x.Non-Deposit Insurance Disclosure |  |  |
| 50969518 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 50969518 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit Report missing from loan file. |  |  |
| 50969518 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The list of service provider document is missing from the loan file. |  |  |
| 95809929 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in TN state, however required state disclosure missing from loan file as follows.<br> x. Placement of Insurance Disclosure.<br> x. Availability of Title Insurance.<br> x. TN Consent to Disclosure of Insurance Information.<br> x. Choice of Agent/insurer.<br> x. Insurance Solicitation/Post Commitment. |  |  |
| 95809929 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase Risk Indicator is 'Moderate'.<br> x) This loan failed the TILA APR test. <br> x) This loan failed the brokerage/finder fee test. |  |  |
| 95809929 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit Report missing from loan file. |  |  |
| 95809929 | xx | xx | xx | 40732d41-ff63-42f7-90be-34db1148c008 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) | Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file. |  |  |
| 95809929 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | ComplianceEase TILA test failed.<br> This loan failed the TILA APR test. The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. |  |  |
| 95809929 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from loan file. |  |  |
| 95809929 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required affiliated business disclosure is missing from loan file. |  |  |
| 95809929 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from loan file. |  |  |
| 95809929 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | ComplianceEase State regulation test failed.<br> This loan failed the brokerage/finder fee test : Fail, Loan data $x,xxx.xx, Comparison data $x,xxx.xx, Variance +$x,xxx.xx.<br> The mortgage loan charges a brokerage/finder fee that exceeds x% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee. |  |  |
| 95809929 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service provider disclosure is missing from loan file. |  |  |
| 95809929 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | Final HUD-x is not signed by borrower. |  |  |
| 95809929 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. |  |  |
| 95809929 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from loan file. |  |  |
| 95809929 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 15254522 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account disclosure is missing from the loan file. |  |  |
| 15254522 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service Providers disclosure is missing from the loan file. |  |  |
| 15254522 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business disclosure is missing from the loan file. |  |  |
| 15254522 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | As per the final xxxx, the income of the borrower is $x,xxx.xx and the total expenses are $x,xxx.xx, therefore DTI >xx%. |  |  |
| 15254522 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing Transfer is missing from the loan file. |  |  |
| 17109869 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The service transfer disclosure is missing from the loan file. |  |  |
| 17109869 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final Loan application is missing from the loan file; however, found initial application dated xx/xx/xxxx, and hence updating information as per the initial application. Located at (xx). |  |  |
| 17109869 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The required state disclosures are missing from the loan file. (TILA Disclosures in Spanish,Home Equity Consumer Disclosure, Home Equity Loan Interest and Fees Pre-closing Disclosure , Home Equity Loan Copies of Documents, Home Equity Loan Rescission Notice, Fair Market Value of Homestead Property Acknowledgment, Home Equity Loan Notice of Address for Borrower Notification of Violation, Choice of Insurance Notice, Collateral Protection Insurance Disclosure, Non-Deposit Investment Product Disclosure Are there any promotional materials?, Insurance Solicitation/Post Commitment Requirement, Construction Loan Disclosure). |  |  |
| 17109869 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The list of service providers disclosure is missing from the loan file. |  |  |
| 17109869 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | The loan program disclosure is missing from the loan file. |  |  |
| 17109869 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The Affiliated business form disclosure is missing from the loan file. |  |  |
| 17109869 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan failed the prepayment penalty term test.<br> The loan charges a prepayment penalty with a term exceeding x years.<br>This loan failed the prepayment penalty term test.<br> The loan is a primary residence loan that charges a prepayment penalty with a term exceeding x years. |  |  |
| 17109869 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | Mortgage Insurance Certificate is missing from the loan file. |  |  |
| 17109869 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial Escrow account disclosure is missing from the loan file. |  |  |
| 35104782 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The following disclosures are missing from the loan file, NY Consumer Credit Disclosure / Fair Credit Reporting Notice, NY Interest Rate Disclosure, NY Hazard Insurance Disclosure, Tax Escrow Account Designation, Mortgage Bankers and Exempt Organizations Preapplication, Part xx Disclosure, Alternative Mortgage Transaction Disclosures, Co-Signer Notice Requirements, Default Warning Notice, Smoke Alarm Affidavit, New York Real Property Escrow Account Disclosure, Subprime Home Loan Counseling Disclosure, Subprime Home Loan Tax and Insurance Payment Disclosure, Subprime Home Loan Disclosure, Commitment Disclosure, Lock-in Disclosure and Expiration of Lock-in or Commitment Period. |  |  |
| 35104782 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 35104782 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing disclosure is not provided |  |  |
| 35104782 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | TILA Finance Charge Test: FAIL $xx,xxx.xx $xx,xxx.xx -$xxx.xx.<br> TILA Foreclosure Rescission Finance Charge Test: FAIL $xx,xxx.xx $xx,xxx.xx -$xxx.xx. |  |  |
| 35104782 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service providers disclosures is missing from the loan file. |  |  |
| 35104782 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.<br> The finance charge is $xx,xxx.xx. The disclosed finance charge of $xx,xxx.xx is not considered accurate because it is<br> understated by more than $xxx.<br> This loan failed the TILA foreclosure rescission finance charge test. <br> The finance charge is $xx,xxx.xx. The disclosed finance charge of $xx,xxx.xx is not considered accurate for purposes of<br> rescission because it is understated by more than $xx. |  |  |
| 8753553 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing Transfer Disclosure is missing from the loan file. |  |  |
| 8753553 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service provider is missing from the loan file. |  |  |
| 8753553 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | Subject property is located at CA state.<br> Following state disclosure is missing from the loan file. :-<br> x) Impound Account Disclosure.<br> x) Cosigner Notice.<br> x) Hazard Insurance Disclosure.<br> x) Privacy Notice. <br> x) Application for Credit-Married Persons |  |  |
| 28815883 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | West Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The CE result is Moderate because this loan failed the late fees test. |  |  |
| 28815883 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | West Virginia | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | The loan origination date is xx/xx/xxxx as per Note. However as per the final HUD-x it is xx/xx/xxxx. |  |  |
| 28815883 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | West Virginia | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 28815883 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | West Virginia | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The Servicing Transfer disclosure is missing from the loan file. |  |  |
| 28815883 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | West Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Late Fees Test: FAIL Loan Data x.xxx% Comparison Data x.xxx% and variance is +x.xxx%<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is<br> located. |  |  |
| 28815883 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | West Virginia | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | Final HUD-x not signed by borrower. |  |  |
| 28815883 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | West Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The Affiliated Business Disclosure is missing from the loan file. |  |  |
| 45315287 | xx | xx | xx | bbe82b12-eddd-4a07-9e0d-03ad80095bd9 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Not Signed by All Borrowers (Lvl 2) | Final application is not signed by the borrower. |  |  |
| 45315287 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is not signed by the borrower. |  |  |
| 45315287 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Services Providers is missing from the loan files. |  |  |
| 45315287 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct Disclosure is missing from the loan files. |  |  |
| 45315287 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. |  |  |
| 5679034 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Interest Rate Test: Loan Data: x.xxx% Comparison Data: x.xxx% Variance:+x.xxx% |  |  |
| 5679034 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The complienceEase test failed for the interest rate test. |  |  |
| 5679034 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The list of service providers is missing from the loan file. |  |  |
| 94543895 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | Oklahoma | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | As per note, loan origination date is xx/xx/xxxx however, as per the estimated HUD-x date is xx/xx/xxxx which is different from the note date. |  |  |
| 94543895 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Oklahoma | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | credit report missing in loan file. |  |  |
| 94543895 | xx | xx | xx | c23a2eb9-a8db-4d55-a62b-42585231fc2c | xx | xx | xx | Non-QM | QC Complete | Oklahoma | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Date after actual transaction date (Lvl 2) | As per Final TIL date is xx/xx/xxxx however, as per estimated HUD-x settlement date is xx/xx/xxxx which is difference from final TIL date. |  |  |
| 94543895 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x is missing from the loan file however, estimated HUD-x is available in the loan file with settlement date xx/xx/xxxx. Doc loc#xx(pg#xx) |  |  |
| 6067696 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 6067696 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 6067696 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Application is missing in the loan file. |  |  |
| 6067696 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in Florida, however, the following disclosures are missing from the loan file.<br> Anti-Coercion Notice<br> Radon Gas Disclosure<br> Insurance Sales Disclosure |  |  |
| 6067696 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 6067696 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan file. |  |  |
| 6067696 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service providers disclosure is missing from the loan file. |  |  |
| 48017955 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The property is located in state of Texas. The following required State Disclosure is missing from the loan file.<br> x.TX Loan Agreement Notice<br> x.Commitment Requirement/Anti-Tying<br> x.TILA Disclosures in Spanish<br> x.Home Equity Consumer Disclosure<br> x.Home Equity Loan Interest and Fees Preclosing Disclosure <br> x.Home Equity Loan Copies of Documents<br> x.Home Equity Loan Rescission Notice<br> x.Fair Market Value of Homestead Property Acknowledgment("xx")<br> x.Home Equity Loan Notice of Address for Borrower Notification of Violation<br> xx.Choice of Insurance Notice<br> xx.Collateral Protection Insurance Disclosure ("xx")<br> xx.Non-Deposit Investment Product Disclosure <br> xx.Insurance Solicitation/Post Commitment Requirement |  |  |
| 48017955 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 41592505 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 41592505 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 41592505 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. |  |  |
| 41592505 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from the loan file. |  |  |
| 41592505 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in New York State. The following state disclosures are missing from the loan file.<br> x.NY Consumer Credit Disclosure / Fair Credit Reporting Notice<br> x.NY Interest Rate Disclosure<br> x.NY Hazard Insurance Disclosure<br> x.Tax Escrow Account Designation<br> x.Mortgage Bankers and Exempt Organizations Preapplication<br> x.Part xx Disclosure<br> x.Alternative Mortgage Transaction Disclosures<br> x.Co-Signer Notice Requirements<br> x.Default Warning Notice<br> xx.Smoke Alarm Affidavit<br> xx.New York Real Property Escrow Account Disclosure<br> xx.Subprime Home Loan Counseling Disclosure<br> xx.Subprime Home Loan Tax and Insurance Payment Disclosure<br> xx.Subprime Home Loan Disclosure<br> xx.Commitment Disclosure<br> xx.Lock-in Disclosure<br> xx.Expiration of Lock-in or Commitment Period |  |  |
| 41592505 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Unable to determine an operative index value as supportive documents are missing from the loan file. |  |  |
| 41592505 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing Transfer Disclosure is missing from the loan file. |  |  |
| 41592505 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. |  |  |
| 41592505 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The list of service provider document is missing from the loan file. |  |  |
| 41592505 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x along with estimated HUD and itemization is missing from the loan file. |  |  |
| 96224972 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TILA APR Test:Result: FAIL ;Loan Data: x.xxx%; Comparison Data:x.xxx% ; Variance:-x.xxx%.<br> This loan failed the TILA APR test. The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than<br> x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. |  |  |
| 96224972 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | Final HUD-x is not signed by the borrower. |  |  |
| 96224972 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. |  |  |
| 96224972 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from loan file. |  |  |
| 96224972 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | TILA APR Test:Result: FAIL ;Loan Data: x.xxx%; Comparison Data:x.xxx% ; Variance:-x.xxx%. |  |  |
| 96224972 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 96224972 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file . |  |  |
| 96224972 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service Provider is missing from the loan file. |  |  |
| 96224972 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in TX state. The following state disclosure are missing from the loan file.<br> ·TX Loan Agreement Notice<br> ·Commitment Requirement/Anti-Tying<br> ·TILA Disclosures in Spanish<br> ·Home Equity Consumer Disclosure<br> ·Home Equity Loan Interest and Fees Preclosing Disclosure <br> ·Home Equity Loan Copies of Documents<br> ·Home Equity Loan Rescission Notice<br> ·Fair Market Value of Homestead Property Acknowledgment<br> ·Home Equity Loan Notice of Address for Borrower Notification of Violation<br> ·Choice of Insurance Notice<br> ·Collateral Protection Insurance Disclosure<br> ·Non-Deposit Investment Product Disclosure Are there any promotional materials?<br> ·Insurance Solicitation/Post Commitment Requirement<br> ·Construction Loan Disclosure |  |  |
| 96224972 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Disclosure Document is missing from the loan file. |  |  |
| 96224972 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final Application is missing from the loan file along with transmittal summary report. |  |  |
| 94064216 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 94064216 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TILA APR Test: FAIL; Loan Data: x.xxx%; Comparison Data: x.xxx%; Variance: - x.xxx%.<br> This loan failed the TILA APR test. <br> The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than<br> x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. |  |  |
| 94064216 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA APR test.<br> This loan failed the interest rate test. |  |  |
| 94064216 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located at Arkansas State. The following state disclosure is missing from the loan file:<br> x. Choice of Insurance Disclosure. |  |  |
| 94064216 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final xxxx application along with transmittal is missing from the loan file. |  |  |
| 94064216 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. |  |  |
| 94064216 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | Final HUD-x is not signed by all borrowers. |  |  |
| 94064216 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow acct. disclosure is missing from the loan file. |  |  |
| 94064216 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Disclosure Document is missing from the loan file. |  |  |
| 94064216 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan Program disclosure is missing from the loan file. |  |  |
| 94064216 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from loan file. |  |  |
| 94064216 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report along with xxxx is missing from the loan file. |  |  |
| 94064216 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Unable to determine the operative index value since the supportive documents are missing from the loan file. |  |  |
| 94064216 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Services Providers is missing from the loan file. |  |  |
| 94064216 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Interest Rate Test: FAIL; Loan Data: x.xxx%; Comparison Data: x.xxx% and Variance: +x.xxx%.<br> This loan failed the interest rate test.<br> The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the<br> property is located. |  |  |
| 53208210 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | The final TIL is missing from the loan file. |  |  |
| 53208210 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 53208210 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 53208210 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located at "Texas" state and following disclosures are required which are missing from the loan file.<br> x) TX Loan Agreement Notice.<br> x) Commitment Requirement/Anti-Tying.<br> x) Choice of Insurance Notice.<br> x) Collateral Protection Insurance Disclosure.<br> x) Non-Deposit Investment Product Disclosure Are there any promotional materials?.<br> x) Insurance Solicitation/Post Commitment Requirement. |  |  |
| 53208210 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | The loan program disclosure is missing from the loan file. |  |  |
| 53208210 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | The final application is missing from the loan file. |  |  |
| 53208210 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service providers is missing from the loan file. |  |  |
| 53208210 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan file. |  |  |
| 53208210 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow account disclosure is missing from the loan file. |  |  |
| 53208210 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD x is missing from the loan file. Also, neither Estimated HUD-x nor itemization is available. |  |  |
| 53208210 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 91189554 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service Provider Disclosure is missing from the loan file. |  |  |
| 91189554 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The property is located in MA state and the required disclosures are missing from the loan file as follow.<br> x. Carbon Monoxide Alarms<br> x. MA Smoke Detector Certificate |  |  |
| 53730176 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership Counseling Organizations disclosure is missing from the loan file. |  |  |
| 53730176 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 53730176 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service providers document is missing from the loan file. |  |  |
| 53730176 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM | QC Complete | Wisconsin | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The loan was originated as FHA insured loan. MI certificate is required, however, the same has been missing from the loan file, but the document located at "xx" states case was canceled on xx/xx/xxxx and it was archived. |  |  |
| 53730176 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | QM | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The following state (WI) disclosure is missing from the loan file:<br> x. Choice of Insurance Disclosure |  |  |
| 61082415 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Mississippi | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final loan application/xxxx is missing from the loan file. |  |  |
| 61082415 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 61082415 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service provider is missing from the loan file. |  |  |
| 61082415 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in massachusetts. Following disclosures are required in this sate.<br> x.Lead-Based Paint Disclosure<br> x.Mortgage Loan Application Disclosure<br> x.Carbon Monoxide Alarms<br> x.MA Smoke Detector Certificate<br> x.Notice of the Specific Reason for Denial of Credit<br> x.Demonstration and Documentation of Compliance with Borrower Interest Requirement<br> State disclosures are missing from the loan file. |  |  |
| 61082415 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Mississippi | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | An appraisal report at origination is missing from the loan file. |  |  |
| 61082415 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | initial escrow account disclosure is missing from the loan file. |  |  |
| 61082415 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | Right of rescission is missing from the loan file. |  |  |
| 61082415 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Non-QM | QC Complete | Mississippi | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The Affidavit of lost note was found at location "xx"(dated xx/xx/xxxx) indicating the original note was lost or misplaced; However, the true and correct copy of the original note attached to the same file. |  |  |
| 32252285 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in Illinois state. The state disclosure missing from the loan file are: As per review below state disclosures are missing from loan file, IL Collateral Protection Insurance Notice, Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. |  |  |
| 32252285 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | As per review List Of Service Providers is missing from loan file. |  |  |
| 32252285 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | As per xxxx dated xx/xx/xxxx, the total monthly income is in the amount of $xxxx.xx and the total monthly expenses is in the amount of $xxxx.xx hence, DTI is exceeding xx%. |  |  |
| 32252285 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file. |  |  |
| 32252285 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | As per review affiliated business disclosure is missing from file. |  |  |
| 75826237 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. |  |  |
| 75826237 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 75826237 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | Subject property is located at NJ state.<br> Following state disclosure is missing from the loan file. :-<br> x) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. |  |  |
| 75826237 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service provider is missing from the loan file. |  |  |
| 75826237 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form Disclosure is missing from the loan file. |  |  |
| 75826237 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.<br> Loan data is $xxx.xx which is comparison with $x.xx and variance is +$xxx.xx<br> Fees include :-<br> Loan Origination Fee -$xxx.xx<br> Commitment Fee - $xxx.xx<br> Notice of Settlemen - t $xx.xx |  |  |
| 94194444 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing Transfer is missing from the loan file. |  |  |
| 94194444 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service Providers is missing from the loan file. |  |  |
| 94194444 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 94194444 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the first lien prohibited fees test. <br> The loan has fees that are prohibited for this license type.<br> Prohibited Fees First Lien Test: FAIL Loan Data: $xxx.xx Comparison Data: $x.xx Variance: +$xxx.xx.<br> This loan failed the broker fees test.<br> The loan has DIDMCA preemption selected, collects fees from the borrower that directly compensate the broker and the sum of all broker fees is greater than x%.<br> Origination Fee & Broker Fee Test: FAIL Loan Data: $x,xxx.xx Comparison Data: $x,xxx.xx Variance: +$x,xxx.xx.<br> This loan failed the origination fee and broker fee test. <br> The loan does not have DIDMCA preemption selected and the sum of the origination fee and all broker fees is greater than x%.<br> This loan failed broker fees Test : Loan Data: $x,xxx.xx Comparison Data: $x.xx Variance: +$x,xxx.xx |  |  |
| 94194444 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure is missing from the loan file |  |  |
| 94194444 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Prohibited Fees First Lien Test: FAIL Loan Data: $xxx.xx Comparison Data: $x.xx Variance: +$xxx.xx.<br> Origination Fee & Broker Fee Test: FAIL Loan Data: $x,xxx.xx Comparison Data: $x,xxx.xx Variance: +$x,xxx.xx.<br> This loan failed the first lien prohibited fees test.<br> This loan failed the origination fee and broker fee test.<br> This loan failed the broker fees test. |  |  |
| 94194444 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The Subject property is located in Missouri (MO) state. The below Required State disclosures are missing in the given loan files.<br> x] MO Collateral Protection Act Notice.<br> x] Borrower's Choice of Insurer orAgent. |  |  |
| 94194444 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit Report missing from loan file. |  |  |
| 50710462 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. |  |  |
| 50710462 | xx | xx | xx | bbe82b12-eddd-4a07-9e0d-03ad80095bd9 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Not Signed by All Borrowers (Lvl 2) | Income section is missing from the Final application. |  |  |
| 50710462 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | Following state disclosure are missing from the loan file which are required for New York State:<br> NY Consumer Credit Disclosure / Fair Credit Reporting Notice<br> NY Interest Rate Disclosure<br> Mortgage Bankers and Exempt Organizations Pre application<br> Co-Signer Notice Requirements<br> Default Warning Notice<br> Commitment Disclosure<br> Expiration of Lock-in or Commitment Period |  |  |
| 50710462 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Income section is missing from the Final application. |  |  |
| 50710462 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service Providers Disclosure is missing from the loan file. |  |  |
| 82784688 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form is missing from the loan file. |  |  |
| 82784688 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing transfer missing from the loan file. |  |  |
| 82784688 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct disclosure is missing from the loan file. |  |  |
| 82784688 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Missing the Appraisal report at the time of origination from the loan file. |  |  |
| 82784688 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | The Initial and Final xxxx is missing from the loan file. |  |  |
| 82784688 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service provider is missing from the loan file. |  |  |
| 82784688 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | The ROR was missing from the file. |  |  |
| 82784688 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x is missing from the file. An estimated HUD-x/Fee itemization are also not available in the file. |  |  |
| 82784688 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | The Final TIL is missing from the file. |  |  |
| 5417178 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | The Loan program disclosure document is missing in the given loan file. |  |  |
| 5417178 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The Notice of servicing Transfer document is missing in the given loan file. |  |  |
| 5417178 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file. |  |  |
| 5417178 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in New York State. The state disclosures missing from the loan file are: NY Consumer Credit Disclosure / Fair Credit Reporting Notice, NY Interest Rate Disclosure, NY Hazard Insurance Disclosure, Tax Escrow Account Designation, Mortgage Bankers and Exempt Organizations Pre-application, Part xx DisclosureAlternative Mortgage Transaction Disclosures, Co-Signer Notice Requirements, Default Warning Notice, Smoke Alarm AffidavitNew York Real Property Escrow Account Disclosure, Subprime Home Loan Counseling Disclosure, Subprime Home Loan Tax and Insurance Payment Disclosure, Subprime Home Loan Disclosure, Commitment Disclosure, Lock-in Disclosure, Expiration of Lock-in or Commitment Period. |  |  |
| 39963388 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The Affiliated Business Disclosure is missing from the loan file. |  |  |
| 39963388 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in the Massachusetts state. The following state disclosures are missing from the loan file:<br> x.Lead-Based Paint Disclosure<br> x.Mortgage Loan Application Disclosure<br> x.Carbon Monoxide Alarms<br> x.MA Smoke Detector Certificate<br> x.Notice of the Specific Reason for Denial of Credit<br> x.Demonstration and Documentation of Compliance with Borrower's Interest Requirement |  |  |
| 39963388 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of services providers is missing from the loan file. |  |  |
| 46614679 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 46614679 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. |  |  |
| 46614679 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The List of Service Provider Disclosure is missing from the loan file. |  |  |
| 46614679 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The Initial Escrow Account Disclosure is missing from the loan file. |  |  |
| 46614679 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The Servicing Transfer disclosure is missing from the loan file. |  |  |
| 46614679 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The property is located in state of Florida. The following required State Disclosure is missing in the loan file.<br> x. Anti-Coercion Notice<br> x.Radon Gas Disclosure<br> x.Insurance Sales Disclosure |  |  |
| 46614679 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA APR test |  |  |
| 46614679 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit Report missing from loan file. |  |  |
| 46614679 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The Affiliated Business Disclosure is missing from the loan file. |  |  |
| 99421435 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan Program Disclosure is missing from the loan file. |  |  |
| 99421435 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business disclosure is missing from the loan file. |  |  |
| 99421435 | xx | xx | xx | 40732d41-ff63-42f7-90be-34db1148c008 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) | Operative Index numerical value unavailable based on loan documents. |  |  |
| 99421435 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The List of Service Providers is missing from the loan file. |  |  |
| 99421435 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located at "California" state which requires following disclosures and all are missing from the loan file.<br> x) Impound Account Disclosure.<br> x) Cosigner Notice.<br> x) Private Mortgage Insurance Disclosure.<br> x) Hazard Insurance Disclosure.<br> x) Insurer RecommendationDisclosure.<br> x) Anti-Tying Disclosure.<br> x) Privacy Notice.<br> x) Notice of Right to Copy of Appraisal.<br> x) Application for Credit-Married Persons.<br> xx) Fair Debt Collection Notice.<br> xx) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. |  |  |
| 99421435 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | The settlement date according to the final HUD x (xx/xx/xxxx) is different from the Note date (xx/xx/xxxx). |  |  |
| 24366946 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit Report missing from loan file. |  |  |
| 24366946 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The Affiliated Business Disclosure is missing from the loan file. |  |  |
| 24366946 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | The settlement date is xx/xx/xxxx. However the HUD-x shows that it is xx/xx/xxxx. |  |  |
| 24366946 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The property is located in state of Texas. The following required State Disclosure is missing in the loan file.<br> x.TX Loan Agreement Notice<br> x.Commitment Requirement/Anti-Tying<br> x.TILA Disclosures in Spanish<br> x.Home Equity Consumer Disclosure<br> x.Home Equity Loan Interest and Fees Preclosing Disclosure <br> x.Home Equity Loan Copies of Documents<br> x.Home Equity Loan Rescission Notice<br> x.Fair Market Value of Homestead Property Acknowledgment<br> x.Home Equity Loan Notice of Address for Borrower Notification of Violation<br> xx.Choice of Insurance Notice<br> xx.Collateral Protection Insurance Disclosure<br> xx.Non-Deposit Investment Product Disclosure Are there any promotional materials?<br> xx.Insurance Solicitation/Post Commitment Requirement<br> xx.Construction Loan Disclosure |  |  |
| 24366946 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The List of Service Provider Disclosure is missing from the loan file. |  |  |
| 24366946 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The Servicing Transfer disclosure is missing from the loan file. |  |  |
| 7239882 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial acct escrow disclosure is missing from the loan file. |  |  |
| 7239882 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The following disclosures are missing from the loan files, NJ Application Disclosure, Delivery Fee Authorization, NJ Attorney Disclosure, Unacceptability of Insurance Notice, Attorney Disclosure II, Tax Bill Information, Private Well Testing, Lock-In Agreement, Commitment Disclosures, Choice of Insurer Disclosure and Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. |  |  |
| 7239882 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 7239882 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of service transfer disclosure is missing from the loan file. |  |  |
| 7239882 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 7239882 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. |  |  |
| 7239882 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service transfer disclosure is missing from the loan file. |  |  |
| 7239882 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final loan application /xxxx is missing from the loan file. |  |  |
| 7239882 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x along with itemization and estimated HUD are missing from the loan file. |  |  |
| 54221748 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Louisiana | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The Initial Escrow Account disclosure document is missing from the loan file. |  |  |
| 54221748 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The Subject property is located in Louisiana state. The below Required State disclosures are missing in the given loan file. <br> x.Authorization Fees, Charges and Expenses for Federally Related Mortgage Loans<br> x.Anti-Tying Disclosure<br> x.Financial Institution Choice of Insurance Disclosure |  |  |
| 79279920 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required affiliated business disclosure is missing from the loan file. |  |  |
| 79279920 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | Following are the required state disclosure missing from the loan file;<br> Commitment Requirement/Anti-Tying<br> TILA Disclosures in Spanish<br> Home Equity Consumer Disclosure<br> Home Equity Loan Interest and Fees Preclosing Disclosure <br> Home Equity Loan Copies of Documents<br> Home Equity Loan Rescission Notice<br> Fair Market Value of Homestead Property Acknowledgment<br> Home Equity Loan Notice of Address for Borrower Notification of Violation<br> Collateral Protection Insurance Disclosure<br> Non-Deposit Investment Product Disclosure Are there any promotional materials?<br> Insurance Solicitation/Post Commitment Requirement |  |  |
| 79279920 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 79279920 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 79279920 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. |  |  |
| 47329965 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand dated by the borrower. |  |  |
| 47329965 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The list of service providers is missing in the loan files. |  |  |
| 47329965 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The CE risk indicator is moderate as This loan failed the interest rate test and brokerage/finder fee test. |  |  |
| 47329965 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from the loan files. |  |  |
| 47329965 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the interest rate test.<br> The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the<br> property is located.<br> This loan failed the brokerage/finder fee test. (Tenn. Comp. R. & Regs. xxxx-xx-xx(x))<br> The mortgage loan charges a brokerage/finder fee that exceeds x% of the total loan amount. Under the Tennessee Rules and<br> Regulations, brokerage fee is synonymous with finder fee. |  |  |
| 47329965 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The required TN state disclosures are missing from the loan files.<br> Placement of Insurance Disclosure<br> Availability of Title Insurance<br> TN Consent to Disclosure of Insurance Information<br> Choice of Agent/insure<br> Insurance Solicitation/Post Commitment." |  |  |
| 47329965 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The Affiliated business disclosure is missing in the loan files. |  |  |
| 47329965 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by the borrower. |  |  |
| 47329965 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | credit report missing in loan file. |  |  |
| 47329965 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The service transfer disclosure is missing in the loan files. |  |  |
| 20389014 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 20389014 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand dated by borrower. |  |  |
| 20389014 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service Providers disclosure is missing from the loan file. |  |  |
| 20389014 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | credit report missing in loan file. |  |  |
| 20389014 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase Risk Indicator is Moderate due to loan failed the first lien prohibited fees test |  |  |
| 20389014 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final Application is missing from the loan file. |  |  |
| 20389014 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the first lien prohibited fees test. Loan data is $x,xxx.xx, Comparison data is $x.xx and variance is +$x,xxx.xx |  |  |
| 19162608 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by borrowers. |  |  |
| 19162608 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow acct disclosure is missing from the loan file. |  |  |
| 19162608 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The affiliated business form disclosure is missing from the loan file. |  |  |
| 19162608 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from the loan file. |  |  |
| 19162608 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | The operative index value source could not be found in the loan file. |  |  |
| 63280678 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA APR test<br> The annual percentage rate (APR) is xx.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than<br> x/x of x percentage point above or below the APR as determined in accordance with the actuarial method.<br> This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is<br> located.<br> This loan failed the prepayment term test.<br> The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the<br> property is located. |  |  |
| 63280678 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The list of service provider document is missing from the loan file. |  |  |
| 63280678 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | LTV is xx% which is greater than xx%, hence MI certificate is required; however, it is missing from the loan file. |  |  |
| 63280678 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | The final application is missing from the loan file. |  |  |
| 63280678 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. |  |  |
| 63280678 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The notice of servicing transfer disclosure is missing from the loan file. |  |  |
| 63280678 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 63280678 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | The final TIL is missing from the loan file. |  |  |
| 63280678 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | credit report missing in loan file. |  |  |
| 63280678 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 63280678 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test : loan data x.xxx%, Comparison data xx.xxx%, Variance-xx.xxx%. |  |  |
| 63280678 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the late fees test : loan data x.xxx% Comaprison data x.xxx% Variance +x.xxx%<br> This loan failed the prepayment term test : loan data xx Months, Comaprison data x Months, Variance xx Months. |  |  |
| 63280678 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in Texas State. The following required state disclosures are missing from the loan file.<br>x.TX Loan Agreement Notice<br> x.Commitment Requirement/Anti-Tying<br> x.TILA Disclosures in Spanish<br> x.Home Equity Consumer Disclosure<br> x.Home Equity Loan Interest and Fees Preclosing Disclosure <br> x.Home Equity Loan Copies of Documents<br> x.Home Equity Loan Rescission Notice<br> x.Fair Market Value of Homestead Property Acknowledgment<br> x.Home Equity Loan Notice of Address for Borrower Notification of Violation<br> xx.Choice of Insurance Notice<br> xx.Collateral Protection Insurance Disclosure<br> xx.Non-Deposit Investment Product Disclosure Are there any promotional materials?<br> xx.Insurance Solicitation/Post Commitment Requirement |  |  |
| 63280678 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | The final HUD-x is available in the loan file; however, it is not signed by borrower. |  |  |
| 85660488 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service Providers disclosure is missing form the loan file. |  |  |
| 85660488 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal Report is missing from the loan file. |  |  |
| 85660488 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing Transfer disclosure is missing form the loan file. |  |  |
| 85660488 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing form the loan file. |  |  |
| 85660488 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from the loan file. |  |  |
| 85660488 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in New York state. Following state disclosure are missing from the loan file, which are required in NY state.<br> x) NY Consumer Credit Disclosure / Fair Credit Reporting Notice<br> x) NY Interest Rate Disclosure<br> x) NY Hazard Insurance Disclosure<br> x) Tax Escrow Account Designation<br> x) Mortgage Bankers and Exempt Organizations Pre application<br> x) Lock-in Disclosure<br> x) Expiration of Lock-in or Commitment Period<br> x) New York Real Property Escrow Account Disclosure<br> x) Commitment Disclosure |  |  |
| 85660488 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x/settlement statement along with estimated HUD-x / itemization of fees are missing from the loan file. |  |  |
| 85660488 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business form disclosure is missing form the loan file. |  |  |
| 12049549 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TILA Finance Charge Test is failed as loan data is $xx and comparison data is $xxx,xxx.xx with variance of -$xx,xxx.xx |  |  |
| 12049549 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from loan files. |  |  |
| 12049549 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The list of service provider document is missing from the loan file. |  |  |
| 12049549 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 12049549 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | credit report missing in loan file. |  |  |
| 12049549 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA finance charge test.<br> The finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate because it is<br> understated by more than $xxx. |  |  |
| 12049549 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | Debt to Income ratio (DTI) is xx% which is greater than xx% however we require it below xx% |  |  |
| 12049549 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | This is a conventional loan type. The appraisal value is $xx and the sales price is $xx. However, the LTV and CLTV exceed xx% which is greater than xx%.MI is required but missing from loan the files. |  |  |
| 12049549 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in New York State. The following state disclosures are missing from the loan file.<br>x.NY Consumer Credit Disclosure / Fair Credit Reporting Notice<br> x.NY Interest Rate Disclosure<br> x.NY Hazard Insurance Disclosure<br> x.Tax Escrow Account Designation<br> x.Mortgage Bankers and Exempt Organizations Preapplication<br> x.Part xx Disclosure<br> x.Alternative Mortgage Transaction Disclosures<br> x.Co-Signer Notice Requirements<br> x.Default Warning Notice<br> xx.Smoke Alarm Affidavit<br> xx.New York Real Property Escrow Account Disclosure<br> xx.Subprime Home Loan Counseling Disclosure<br> xx.Subprime Home Loan Tax and Insurance Payment Disclosure<br> xx.Subprime Home Loan Disclosure<br> xx.Commitment Disclosure<br> xx.Lock-in Disclosure<br> xx.Expiration of Lock-in or Commitment Period |  |  |
| 12049549 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-x is not signed by all borrowers. However, the point and fees are updated by as per itemization located at "xx" and lender closing instruction located at "xx". |  |  |
| 48677946 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Finals TIL is not hand dated by the borrower. |  |  |
| 48677946 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.<br> Prohibited Fees Test: FAIL loan data: $xxx.xx comparison data$x.xx variance:+$xxx.xx<br> The loan does charge fee(s) not provided for in this act, which is prohibited.<br> A person licensed as a mortgage broker shall have the right to charge only the following fees: (x) application fee; and (x)<br> discount points which may be labeled as an origination fee. |  |  |
| 48677946 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | CE Risk Indicator is "Moderate" as This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.<br> Prohibited Fees Test: FAIL loan data: $xxx.xx comparison data$x.xx variance:+$xxx.xx |  |  |
| 58052412 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Hawaii | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan file. |  |  |
| 58052412 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TILA Finance Charge Test: FAIL, Loan Data: $xxx,xxx.xx, Comparison Data: $xxx,xxx.xx and Variance: -$xxx.xx.<br> This loan failed the TILA finance charge test.(xx CFR §xxxx.xx(d)(x) , transferred from xx CFR §xxx.xx(d)(x))<br> The finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate because it is<br> understated by more than $xxx.<br>TILA Foreclosure Rescission Finance Charge Test: FAIL, Loan Data: $xxx,xxx.xx, Comparison Data: $xxx,xxx.xx and Variance: -$xxx.xx.<br> This loan failed the TILA foreclosure rescission finance charge test. (xx CFR §xxxx.xx(h) , transferred from xx CFR<br> §xxx.xx(h))<br> The finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate for purposes of<br> rescission because it is understated by more than $xx. |  |  |
| 58052412 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in Hawaii State. The below required state disclosure is missing from the loan file:<br> x. Reciprocal Beneficiary/ Civil Union Addendum to Uniform Residential Loan Application. |  |  |
| 58052412 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | Hawaii | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | According to the HUD-x, the settlement date is xx/xx/xxxx; however, the loan origination date is xx/xx/xxxx. |  |  |
| 58052412 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service Providers is missing from the loan file. |  |  |
| 58052412 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. |  |  |
| 58052412 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA finance charge test.<br> This loan failed the TILA foreclosure rescission finance charge test. |  |  |
| 27714665 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The List of service provider document is missing from the loan file. |  |  |
| 27714665 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | The Right Of Rescission document is missing from the loan file. |  |  |
| 27714665 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in Maryland State. However, following disclosure is missing from the loan file.<br> x.Affidavit of Consideration<br> x.Affidavit of Disbursement<br> x.First Time Buyers Affidavit<br> x.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure<br> x.Balloon Payment<br> x.No Escrow Account<br> x.Mandatory Binding Arbitration Disclosures<br> x.Home Buyer Education and Counseling Disclosure |  |  |
| 27714665 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 27714665 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | As per application the total monthly income of borrower is $x,xxx.xx and total monthly expenses are in the amount of $xx,xxx.xx.Hence, DTI>xx%. |  |  |
| 27714665 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL document is missing from the loan file. |  |  |
| 27714665 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-x (Settlement Statement) along with Estimated HUD or itemization is missing from the loan file. |  |  |
| 4843187 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | QM-Trid | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | Below state disclosures are missing from the loan file.<br> x. Affidavit of Consideration<br> x. Affidavit of Disbursement |  |  |
| 4843187 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-Trid | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 4843187 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-Trid | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan file. |  |  |
| 4843187 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-Trid | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service provider disclosure is missing from the loan file. |  |  |
| 4843187 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-Trid | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID Violation due to a fee increase on CD dated xx/xx/xxxx. LE dated xx/xx/xxxx reflects a Origination Points at $x,xxx.xx, however, Initial CD dated xx/xx/xxxx reflects the Origination Points at $x,xxx.xx. This is a fee increase of xxx.xx for a Non-Shoppable Fee which exceeds the x% tolerance for Non-Shoppable Fees. |  |  |
| 4843187 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-Trid | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Initial Closing Disclosure is dated xx/xx/xxxx and Final Closing Disclosure is dated xx/xx/xxxx which is less than x days. |  |  |
| 4843187 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-Trid | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The subject loan is VA but MI Certificate is missing from the loan file. |  |  |
| 91602793 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan Program disclosure is missing from the loan file. |  |  |
| 91602793 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test. TILA APR Test: Result: FAIL; Loan Data: x.xxx%; Comparison Data: x.xxx%; Variance: - x.xxx%.<br> The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than x/x of x percentage point above or below the APR as determined in accordance with the actuarial method.<br> The loan failed the allowable points and fees test. The points and fees charged to the borrower exceed the greater of x% of the mortgage amount or $x,xxx.<br> GSE (Freddie Mac public guidelines) Points and Fees Test: Result: FAIL; Loan Data: $xx,xxx.xx; Comparison Data: $xx,xxx.xx; Variance: +$xxx.xx. |  |  |
| 91602793 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure is missing from the loan file. |  |  |
| 91602793 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 91602793 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | The subject mortgage was originated on xx/xx/xxxx. However, as per final HUD-x, the settlement date is xx/xx/xxxx. |  |  |
| 91602793 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. |  |  |
| 91602793 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final Loan Application is missing from the loan file. |  |  |
| 91602793 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Services Providers is missing from the loan file. |  |  |
| 91602793 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | California | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. |  |  |
| 91602793 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in California State. The following state disclosures are missing from the loan files:<br> ·Impound Account Disclosure<br> ·Cosigner Notice<br> ·Private Mortgage Insurance Disclosure<br> ·Earthquake Disclosure for condominiums<br> ·Hazard Insurance Disclosure<br> ·Insurer RecommendationDisclosure<br> ·CA Fair Lending Notice<br> ·Anti-Tying Disclosure<br> ·Privacy Notice<br> ·Notice of Right to Copy of Appraisal<br> ·Application for Credit-Married Persons<br> ·Fair Debt Collection Notice<br> ·Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. |  |  |
| 91602793 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Disclosure is missing from the loan file. |  |  |
| 91602793 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index value is unable to confirm as supportive document is missing from the loan file. |  |  |
| 91602793 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | Right of rescission is missing from the loan file. |  |  |
| 91602793 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA APR test.<br> This loan failed the predatory lending guidance test.<br> This loan failed the points and fees test. |  |  |
| 37936527 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA APR test. |  |  |
| 37936527 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The notice of servicing transfer disclosure is missing from the loan file. |  |  |
| 37936527 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | California | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 37936527 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 37936527 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test. <br> The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than x/x of x percentage point above or below the APR as determined in accordance with the actuarial method.<br> The loan data is x.xxx% and comparison data is x.xxx%; hence, the variance is - x.xxx%. |  |  |
| 37936527 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 37936527 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 10205761 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test. Loan Data x.xxx% Comparison Data x.xxx% Variance-x.xxx% |  |  |
| 10205761 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final Application is missing from the loan file. |  |  |
| 10205761 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Servicing Providers disclosure is missing from the loan file. |  |  |
| 10205761 | xx | xx | xx | 6d175d99-f2e3-4d75-80a0-682f8b85b1ea | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Truth in Lending Disclosure is Missing (Lvl 2) | Initial TIL is missing from the loan file. |  |  |
| 10205761 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow account disclosure is missing from the loan file. |  |  |
| 10205761 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The subject loan is a FHA loan but MI certificate is missing from the loan file. |  |  |
| 10205761 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan file. |  |  |
| 10205761 | xx | xx | xx | e99b279c-a3fe-4039-91dc-3f33c0f684d9 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Good Faith Estimate is Missing (Lvl 2) | Initial GFE is missing from the loan file. |  |  |
| 10205761 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated business disclosure is missing from the loan file. |  |  |
| 10205761 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 10205761 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 10205761 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | Final GFE is missing from the loan file. |  |  |
| 10205761 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | Following state disclosures are missing from the loan file.<br> Affidavit of Consideration<br> Affidavit of Disbursement<br> First Time Buyers Affidavit<br> Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure<br> Balloon Payment<br> No Escrow Account<br> Mandatory Binding Arbitration Disclosures<br> Home Buyer Education and Counseling Disclosure |  |  |
| 10205761 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase Risk Indicator is moderate due to loan failed the TILA APR test. |  |  |
| 66363601 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in the State of Oklahoma. The following Required State Disclosure is missing from the loan file:<br> - Notice of Rights to Obtain a Security Freeze. |  |  |
| 66363601 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* HUD-1 Closing Statement missing or unsigned (Lvl 2) | The Final HUD x provided in the file is executed however the first page has blured images/figures. |  |  |
| 66363601 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Oklahoma | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The notice of service transfer missing from the loan file. |  |  |
| 32611490 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Compliance Risk Indicator is Moderate due to failing the TILA finance charge test and the bona fide discount points test. |  |  |
| 32611490 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test. The finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate because it is understated by more than $xxx.<br> TILA Finance Charge Test: Loan Data $xxx,xxx.xx; Comparison Data $xxx,xxx.xx; Variance of -$xxx.xx. |  |  |
| 32611490 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The Subject Property is a Manufactured Home. As per the Affixture Affidavit located at "xx" which recorded on xx/xx/xxxx with Book# / Page# xx, the VIN number xx was found which confirms that the property is affixed. The Final title policy also shows Alta Endorsement Form x in it. The Mortgage at origination includes Collateral of a xxxx Cavalier manufactured home Serial Number xx and states the property address is xx. |  |  |
| 32611490 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in the State of North Carolina. The following state disclosures are missing from the loan file:<br> - Credit Property Insurance Disclosure<br> - Fee Agreement<br> - Priority of Security Instrument Disclosure<br> - Attorney Selection Disclosure |  |  |
| 32611490 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the bona fide discount points test. Unable to verify if the Discount Points charged at origination were actually bona fide and reduced the interest rate.<br> The loan is a first lien mortgage and has a principal amount that is greater than or equal to $xx,xxx and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate. Points are treated as paid for the purpose of reducing, and in fact result in a bona fide reduction of the interest rate, if they are marked as "Bona Fide - State".<br>"Bona Fide Discount Points Test: FAIL |  |  |
| 32611490 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The Initial Escrow Account Disclosure is missing from the loan file. |  |  |
| 73113247 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | The subject mortgage was originated on xx/xx/xxxx. As per final HUD-x, the settlement date is xx/xx/xxxx which is different from note date. |  |  |
| 73113247 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 73113247 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service providers document is missing from the loan file. |  |  |
| 73113247 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in Florida, However, the following state disclosures are missing from the loan file.<br>x.Anti-Coercion Notice(xx)<br> x.Title Insurance Disclosure<br> x.Radon Gas Disclosure<br> x.Insurance Sales Disclosure |  |  |
| 73113247 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The lost note affidavit has been found in the loan file located at "xx", which states that the original note has been misplaced or destroyed. However, the duplicate copy of the note is available in the loan file. |  |  |
| 79340806 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final loan application /xxxx is missing from the loan file. |  |  |
| 79340806 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase risk indicator is Moderate due to TILA failed for Finance Charge Test, Rescission Finance Charge Test and APR Test. |  |  |
| 79340806 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow acct disclosure is missing from the loan file. |  |  |
| 79340806 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The affiliated business form disclosure is missing from the loan file. |  |  |
| 79340806 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | ComplianceEase TILA Test failed due to Finance Charge Test. As per loan data Finance Charge is $xx,xxx.xx. However, comparison data is $xx,xxx.xx and variance is -$xx,xxx.xx.<br> ComplianceEase TILA Test failed due to Foreclosure Rescission Finance Charge Test. As per loan data Foreclosure Rescission Finance Charge is $xx,xxx.xx. However, comparison data is $xx,xxx.xx and variance is -$xx,xxx.xx.<br> ComplianceEase TILA Test failed due to APR Test. As per loan data APR is x.xxx%. However, comparison data is x.xxx% and variance is - x.xxx%. |  |  |
| 79340806 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The following state disclosures are missing from the loan file. <br> x. Affidavit of Consideration,<br> x. Affidavit of Disbursement, <br> x. First Time Buyers Affidavit, <br> x. Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure, <br> x. Balloon Payment, <br> x. No Escrow Account, <br> x. Mandatory Binding Arbitration Disclosures |  |  |
| 79340806 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The list of service providers disclosure is missing from the loan file. |  |  |
| 78401450 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit Report is Missing |  |  |
| 78401450 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The property is located in MD state. The following required state disclosures are missing from the loan file:<br> Affidavit of Consideration<br> Affidavit of Disbursement<br> Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure.<br> No Escrow Account<br> Mandatory Binding Arbitration Disclosures<br> Home Buyer Education and Counseling Disclosure |  |  |
| 78401450 | xx | xx | xx | b06dde1c-905f-4404-a416-ae2c918d0fa1 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Title Policy | Active | 3: Curable | \* Missing Final Title Policy with applicable Alta endorsements. (i.e., Alta 8.1, 9) (Lvl 3) | The Final Title Policy provided in the file reflects the Date of Policy is xx/xx/xxxx however per the Note, the loan origination date is xx/xx/xxxx. The Agent however acknowledged the policy at the bottom of the page with Schedule A with a signature and correct date of xx/xx/xxxx. |  |  |
| 95787313 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed TILA Finance Charge Test, TILA Foreclosure Rescission Finance Charge Test: Loan Data:$xx,xxx.xx Comparison Data:$xx,xxx.xx Variance:$xxx.xx |  |  |
| 95787313 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | According to final xxxx, the total monthly income of the borrower is $x,xxx.xx; However, the total monthly expenses(Post-Close) are in the amount of $x,xxx.xx. Hence, the DTI exceeds xx%. |  |  |
| 95787313 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed TILA Finance Charge Test, TILA Foreclosure Rescission Finance Charge Test. |  |  |
| 79840105 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed TILA APR Test: FAIL, Loan Data: x.xxx%, Comparison:x.xxx% and Variance:-x.xxx%.<br> This loan failed the TILA APR test. (xx CFR §xxxx.xx(a)(x), (x) , transferred from xx CFR §xxx.xx(a)(x), (x))<br> The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than<br> x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. |  |  |
| 79840105 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow acct. disclosure is missing from the loan file. |  |  |
| 79840105 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA APR test. |  |  |
| 79840105 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The Subject property has been located in Illinois State. The below required state disclosures are missing from the given loan file:<br> x] IL Collateral Protection Insurance Notice.<br> x] Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. |  |  |
| 79840105 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service providers disclosure is missing from the loan file. |  |  |
| 79840105 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 79840105 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer is missing from the loan file. |  |  |
| 79840105 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | PMI certificate is missing from the loan file. |  |  |
| 79840105 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 35074983 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Unable to determine the operative index value source from the loan file. |  |  |
| 35074983 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | Washington | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | As per HUD-x, the settlement date is xx/xx/xxxx, which is not aligned with the note date xx/xx/xxxx. |  |  |
| 35074983 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Washington | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 35074983 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | Non-QM | QC Complete | Washington | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The list of service providers disclosure is missing from the loan file. |  |  |
| 35074983 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The following state disclosures are missing from the loan file. <br> x. Construction Lien Disclosure, <br> x. Mortgage Loan Servicing Disclosure.<br> x. Choice of Insurance Notice.<br> x. Purchase Money Residential Mortgage Loan Closing Valuation Disclosure.<br> x. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. |  |  |
| 35074983 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Washington | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 35074983 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Non-QM | QC Complete | Washington | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand dated by borrower. |  |  |
| 6601110 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated Business Arrangement Disclosure is missing from the loan file. |  |  |
| 6601110 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | The final application is available in the loan file located at "xx"; however, the first page is missing from the final application. |  |  |
| 6601110 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Required List of service providers is missing from the loan file. |  |  |
| 2898967 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Unable to calculate operative index from the loan file. |  |  |
| 2898967 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The following state disclosures are missing from the loan file. <br> Impound Account Disclosure, Cosigner Notice, Private Mortgage Insurance Disclosure, Earthquake Disclosure forCondominiums, Insurer RecommendationDisclosure, CA Fair Lending Notice, Anti-Tying Disclosure, Fair Debt Collection Notice. |  |  |
| 2898967 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | Final HUD-x is not signed by the borrower. |  |  |
| 2898967 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | According to final HUD-x, the settlement date is xx/xx/xxxx. However, original note date is xx/xx/xxxx. |  |  |
| 2898967 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 2898967 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | Non-QM | QC Complete | California | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The list of service providers disclosure is missing from the loan file. |  |  |
| 25380964 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The CE failed for TILA APR Test: FAIL |  |  |
| 25380964 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service Providers is missing from the loan file. |  |  |
| 25380964 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | Right of Rescission is missing from the loan file. |  |  |
| 25380964 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in Maryland State. The following required state disclosures are missing from the loan file. <br> x.Affidavit of Consideration<br> x.Affidavit of Disbursement<br> x.First Time Buyers Affidavit<br> x.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure<br> x.Balloon Payment<br> x.No Escrow Account<br> x.Mandatory Binding Arbitration Disclosures<br> x.Home Buyer Education and Counseling Disclosure |  |  |
| 25380964 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TILA APR Test: FAIL Loan Data : x.xxx% Comparison Data : x.xxx% Variance : - x.xxx%<br> This loan failed the TILA APR test. The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. |  |  |
| 25380964 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. |  |  |
| 25380964 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 35368715 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from the loan file. |  |  |
| 35368715 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 35368715 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The Subject property is located in Missouri (MO) state. The below Required State disclosures are missing in the given loan files.<br> x] MO Collateral Protection Act Notice.<br> x] Borrowers Choice of Insurer orAgent. |  |  |
| 35368715 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 35368715 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 35368715 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service providers is missing from the loan file. |  |  |
| 35368715 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow is missing from the loan file. |  |  |
| 35368715 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 35368715 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA APR test and TILA Right of Rescission test. |  |  |
| 35368715 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed TILA APR Test: Loan Data:x.xxx% Comparison:x.xxx% Variance:-x.xxx%<br> This loan failed the TILA APR test. (xx CFR §xxxx.xx(a)(x), (x) , transferred from xx CFR §xxx.xx(a)(x), (x))<br> The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than<br> x/x of x percentage point above or below the APR as determined in accordance with the actuarial method.<br> This loan failed the TILA right of rescission test.<br> Closed-end (xx CFR §xxxx.xx(a)(x) , transferred from xx CFR §xxx.xx(a)(x)), Open-end (xx CFR §xxxx.xx(a)(x) ,<br> transferred from xx CFR §xxx.xx(a)(x))<br> The funding date is before the third business day following consummation.<br> The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the<br> notice required by xx CFR §xxxx.xx or §xxxx.xx, or delivery of all material disclosures, whichever occurs last. |  |  |
| 35368715 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | Final HUD-x is not signed by the borrowers. |  |  |
| 62272686 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The service providers list is missing from the loan file. |  |  |
| 62272686 | xx | xx | xx | 40732d41-ff63-42f7-90be-34db1148c008 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) | The operative index is unavailable from the documents provided. |  |  |
| 62272686 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. |  |  |
| 16894221 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated Business Disclosure missing from the loan file. |  |  |
| 16894221 | xx | xx | xx | 6d175d99-f2e3-4d75-80a0-682f8b85b1ea | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Truth in Lending Disclosure is Missing (Lvl 2) | Initial TIL is missing from the loan file. |  |  |
| 16894221 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service Providers is missing from the loan file. |  |  |
| 42359944 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. |  |  |
| 42359944 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan file. |  |  |
| 42359944 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final xxxx is missing from the loan file. |  |  |
| 42359944 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 42359944 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 42359944 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service providers is missing from the loan file. |  |  |
| 42359944 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 42359944 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in MA State. The following state disclosures are missing in the loan files.<br> Lead-Based Paint Disclosure<br> Mortgage Loan Application Disclosure<br> Carbon Monoxide Alarms<br> MA Smoke Detector Certificate<br> Notice of the Specific Reason for Denial of Credit<br> Demonstration and Documentation of Compliance with Borrower's Interest Requirement |  |  |
| 42359944 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 42359944 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x is missing from the loan file along with estimated hud-x and itemization. |  |  |
| 99409310 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 99409310 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x is missing from the loan file. However, estimated HUD-x and itemization is missing from the loan file. |  |  |
| 99409310 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 99409310 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from the loan file. |  |  |
| 99409310 | xx | xx | xx | 40732d41-ff63-42f7-90be-34db1148c008 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) | The subject Note at origination is an Interest Only Adjustable Rate Note. Unable to determine the Operative Index Value used by the lender at origination. |  |  |
| 99409310 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The affiliated business form disclosure is missing from the loan file. |  |  |
| 99409310 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The following state disclosures are missing from the loan file. <br> Impound Account Disclosure,Cosigner Notice, Private Mortgage Insurance Disclosure, Earthquake Disclosure forCondominiums, Hazard Insurance Disclosure, Insurer RecommendationDisclosure, CA Fair Lending Notice, Anti-Tying Disclosure, Privacy Notice, Application for Credit-Married Persons, Fair Debt Collection Notice. |  |  |
| 99409310 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow acct disclosure is missing from the loan file. |  |  |
| 99409310 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan file. |  |  |
| 99409310 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | Non-QM | QC Complete | California | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The list of service providers disclosure is missing from the loan file. |  |  |
| 99409310 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | California | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 99409310 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 27558455 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Disclosure is missing from the loan file. |  |  |
| 27558455 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. |  |  |
| 27558455 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 27558455 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Services Providers is missing from the loan file. |  |  |
| 98081671 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed PA License Validation Test. |  |  |
| 98081671 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | PA License Validation Test: FAIL<br> This loan failed the Pennsylvania license validation test. (PA HB xxxx Section xxxx)<br> The Pennsylvania HB xxxx requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be<br> licensed, effective November xth, xxxx.<br> The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a<br> closing date before November xth, xxxx |  |  |
| 98081671 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | The Final Good Faith Estimate is missing from loan file. |  |  |
| 33919705 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.<br> Loan data is $xxxxxx.xx which is compared with xxxxxx.xx favor of -$xxx.xx<br> The finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate because it is understated by more than $xxx.<br> This loan failed the TILA foreclosure rescission finance charge test. <br> Loan data is $xxxxxx.xx which is compared with xxxxxx.xx favor of -$xxx.xx<br>The finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate for purposes of rescission because it is understated by more than $xx. |  |  |
| 33919705 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Minnesota | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Document Disclosure is missing from the loan file. |  |  |
| 33919705 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA finance charge test. <br> This loan failed the TILA foreclosure rescission finance charge test. |  |  |
| 66631843 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand dated by the borrower. |  |  |
| 66631843 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by the borrower. |  |  |
| 77756306 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | The ROR is missing from the loan file. |  |  |
| 76233623 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 76233623 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan file. |  |  |
| 76233623 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in New Jersey State. The following disclosures are missing from the loan file:<br> NJ Application Disclosure<br> Delivery Fee Authorization<br> NJ Attorney Disclosure<br> Unacceptability of Insurance Notice<br> Attorney Disclosure II<br> Tax Bill Information<br> Private Well Testing<br> Lock-In Agreement<br> Commitment Disclosures<br> Choice of Insurer Disclosure<br> Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application |  |  |
| 76233623 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service providers is missing from the loan file. |  |  |
| 76233623 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. |  |  |
| 76233623 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. |  |  |
| 76233623 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | Right of Rescission is missing from the loan file. |  |  |
| 76233623 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | As per the final xxxx application, the income of the borrower is $xxxx.xx. However, the total debt is $x,xxx.xx. Hence, the DTI is xx% which exceeds xx%. |  |  |
| 76233623 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure is missing from the loan file. |  |  |
| 76233623 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x along with estimated HUD-x and itemization are missing from the loan file |  |  |
| 53988264 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit Report missing from loan file. |  |  |
| 53988264 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | The ROR is missing from the loan file. |  |  |
| 76658544 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct Disclosure is missing from the loan file. |  |  |
| 76658544 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit Report missing from loan file. |  |  |
| 76658544 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service Providers Disclosures is missing from the loan file. |  |  |
| 76658544 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Disclosure Document is missing from the loan file. |  |  |
| 76658544 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. |  |  |
| 76658544 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TILA Finance Charge Test: Result:FAIL;Loan Data: $xxx,xxx.xx;Comparison Data:$xxx,xxx.xx; Variance: -$xxx.xx.<br> This loan failed the TILA finance charge test.(xx CFR §xxxx.xx(d)(x) , transferred from xx CFR §xxx.xx(d)(x))<br> The finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate because it is<br> understated by more than $xxx. |  |  |
| 76658544 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | TILA Finance Charge Test: Result:FAIL;Loan Data: $xxx,xxx.xx;Comparison Data:$xxx,xxx.xx; Variance: -$xxx.xx. |  |  |
| 87392469 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | This is a conventional loan. LTV at the origination was xx%. The tape data is reflected MI required. Final xxxx reflects monthly MI in the amount of $xx.xx; however, MI certificate is missing in the loan files. |  |  |
| 54895590 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service provider is missing from the loan file. |  |  |
| 54895590 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.<br> The loan does charge fee(s) not provided for in this act, which is prohibited.<br> A person licensed as a mortgage broker shall have the right to charge only the following fees: (x) application fee; and (x)<br> discount points which may be labeled as an origination fee.<br> A person licensed as a mortgage banker or correspondent mortgage banker shall have the right to charge only the following<br> fees:<br> x a credit report fee;<br> x appraisal fee;<br> x application fee;<br> x commitment fee;<br> x warehouse fee;<br> x discount points;<br> Prohibited Fees Test: loan data : $xxx.xx, Comparison data : $x.xx, Variance : +$xxx.xx. |  |  |
| 54895590 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form is missing from the loan file. |  |  |
| 54895590 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | TIL executed by borrower but not hand dated. |  |  |
| 54895590 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. |  |  |
| 22633413 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | The Final TIL is missing from the given loan file. |  |  |
| 22633413 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase risk indicator is moderate as the loan is failing for TILA APR Test. |  |  |
| 22633413 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test as;<br> TILA APR Test: FAIL x.xxx% x.xxx% - x.xxx%<br> The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than<br> x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. |  |  |
| 22633413 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | According to Appraisal report located at "xx" the property type as manufactured home. There is no VIN number mentioned on the legal description of the mortgage. However, the appraisal report shows VIN # xx. There is no affixation affidavit available in loan file. Latest tax report shows separate assessment; however, final policy located at " xx" shows ALTA-x Manufactured housing endorsement attached with policy stating policy cover both land and manufactured housing unit. |  |  |
| 95109653 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | TIL not hand dated by the borrower. |  |  |
| 95109653 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 74933444 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service of provider is missing from loan file. |  |  |
| 74933444 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 74933444 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is required for ARM loan; however document is missing from loan file. |  |  |
| 74933444 | xx | xx | xx | 40732d41-ff63-42f7-90be-34db1148c008 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) | Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file. |  |  |
| 74933444 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in FL State; however, required state disclosure is missing from loan file.<br> Anti-Coercion Notice<br> Insurance Sales Disclosure |  |  |
| 74933444 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing Disclosure is missing from loan file. |  |  |
| 74933444 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | CE TILA test failed duet to, This loan failed the TILA APR test. <br> The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. |  |  |
| 74933444 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from loan file. |  |  |
| 74933444 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 74933444 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | CE risk indicator is moderate due to, TILA APR test. |  |  |
| 74933444 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from loan file. |  |  |
| 74933444 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure is missing from loan file. |  |  |
| 74933444 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from loan file. However, values from the initial application doc loc (xx). |  |  |
| 1159622 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service Providers is missing from loan file. |  |  |
| 1159622 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Unable to confirm operative index value from available loan file. |  |  |
| 1159622 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice Of Servicing TransferDisclosure is missing from the loan file. |  |  |
| 1159622 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The Subject property is located at Florida State and following required DIsclosures are missing from loan file.<br> Anti-Coercion Notice<br> Insurance Sales Disclosure |  |  |
| 1159622 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from loan file. |  |  |
| 1159622 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final Application is missing from the loan file. |  |  |
| 1159622 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x is missing from loan file and also the estimated HUD-x or Itemization are not available. |  |  |
| 1159622 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from loan file. |  |  |
| 1159622 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from loan file. |  |  |
| 1159622 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from loan file. |  |  |
| 1159622 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan Program Disclosure is missing from loan file. |  |  |
| 28573117 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure document is missing from the loan file. |  |  |
| 28573117 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Disclosure is missing from the loan file. |  |  |
| 28573117 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.<br> As Loan Data $x,xxx.xx Comparison Data $x,xxx.xx Variance +$x,xxx.xx and Loan Data $x,xxx.xx Comparison Data $x,xxx.xx Variance +$x,xxx.xx |  |  |
| 28573117 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Unable to determine the Operative Index value. As per the supportive Documents is missing from the loan file. |  |  |
| 28573117 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 28573117 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in Florida, However, the following state disclosures are missing from the loan file.<br> x.Anti-Coercion Notice <br> x.Title Insurance Disclosure<br> x.Radon Gas Disclosure<br> x.Insurance Sales Disclosure |  |  |
| 28573117 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds." |  |  |
| 28573117 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business form document is missing from the loan file. |  |  |
| 28573117 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing Transfer document is missing from the loan file. |  |  |
| 28573117 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service providers document is missing from the loan file. |  |  |
| 83640593 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Nebraska | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | The final application is missing from the loan file. |  |  |
| 83640593 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Nebraska | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. |  |  |
| 83640593 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Nebraska | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The Initial escrow acct disclosure is missing from the loan file. |  |  |
| 83640593 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Nebraska | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The list of Service Providers Disclosures is missing from the loan file. |  |  |
| 83640593 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Nebraska | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in the state of Nebraska. The 'Construction Finance Notice' state disclosure is missing from the loan file. |  |  |
| 83640593 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Nebraska | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | The final HUD-x is not signed by the borrower. |  |  |
| 75589699 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The following disclosures are missing from the loan file, <br>x.Affidavit of Consideration<br> x.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure |  |  |
| 75589699 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service providers disclosure is missing from the loan file. |  |  |
| 75589699 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 75589699 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow acct disclosure is missing from the loan file. |  |  |
| 92560399 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase risk indicator is moderate as the loan is failing for Connecticut license validation test. |  |  |
| 92560399 | xx | xx | xx | bbe82b12-eddd-4a07-9e0d-03ad80095bd9 | xx | xx | xx | Non-QM | QC Complete | Connecticut | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Not Signed by All Borrowers (Lvl 2) | Final application is not signed by the borrower. |  |  |
| 92560399 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Unable to calculate operative index value from the loan file. |  |  |
| 92560399 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | Connecticut | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | Settlement date is different from note date, settlement date shows xx/xx/xxxx and note date is xx/xx/xxxx. |  |  |
| 92560399 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | Non-QM | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Connecticut license validation test.<br> First mortgage lender licenses and secondary mortgage lender licenses in existence on June xxth, xxxx shall be deemed on and<br> after July xst, xxxx, to be a mortgage lender license.<br> As of July x, xxxx the Connecticut First Mortgage Lender License and the Connecticut Second Mortgage Lender License are no<br> longer valid. The Connecticut Mortgage Lender License is available for loans with a closing date before July xst, xxxx. |  |  |
| 92560399 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Connecticut | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is not signed by the borrower. |  |  |
| 21633272 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 21633272 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service provider is missing from the loan file. |  |  |
| 21633272 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final Application is missing from the loan file. |  |  |
| 21633272 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | As per HUD, Settlement date shows xx/xx/xxxx and note date is xx/xx/xxxx. Hence, settlement date is not aligned with the note date. |  |  |
| 2913512 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 2913512 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in New Jersey State. The following required state disclosures are missing from the loan file.<br> x.NJ Application Disclosure<br> x.Delivery Fee Authorization<br> x.NJ Attorney Disclosure<br> x.Unacceptability of Insurance Notice<br> x.Attorney Disclosure II<br> x.Tax Bill Information<br> x.Private Well Testing<br> x.Lock-In Agreement<br> x.Commitment Disclosures<br> xx.Choice of Insurer Disclosure<br> xx.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application |  |  |
| 2913512 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | The ROR is missing from the loan file. |  |  |
| 69498514 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service provider is missing from the loan file. |  |  |
| 69498514 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The ComplianceEase Risk indicator is 'Moderate' due to TILA finance charge test failed. |  |  |
| 69498514 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | ComplianceTILA Test Failed due to TILA Finance Charge Test:<br> TILA Finance Charge Test: shows Loan Data $xxx,xxx.xx Comparison Data $xxx,xxx.xx Variance -$x,xxx.xx.<br> The finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate because it is<br> understated by more than $xxx. |  |  |
| 69498514 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business form is missing from the loan file. |  |  |
| 69498514 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing Transfer document is missing from the loan file. |  |  |
| 69498514 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | Following are the state disclosure which are missing from the loan file;<br> x.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application<br> x.IL Collateral Protection Insurance Notice |  |  |
| 69498514 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial Escrow Acct disclosure is missing from the loan file. |  |  |
| 3496094 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Unable to determine an operative index value since the supportive documents are missing from the loan file. |  |  |
| 3496094 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from the loan file. |  |  |
| 3496094 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located at Kentucky, following disclosures are missing from loan file.<br>x.Fair Housing Notice<br> x.Homeownership Protection Center Disclosures<br> x.Notice of Free Choice of Agent or Insurer |  |  |
| 3496094 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 3496094 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service Providers is missing from loan file. |  |  |
| 72495414 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file. |  |  |
| 72495414 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Services Providers is missing from the loan file. |  |  |
| 72495414 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Disclosure is missing from the loan file. |  |  |
| 72495414 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located at FL State. The following state disclosures are missing from the loan files.<br> ·Anti-Coercion Notice<br> ·Title Insurance Disclosure<br> ·Radon Gas Disclosure<br> ·Insurance Sales Disclosure. |  |  |
| 72495414 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | The subject loan has prepayment provision and the Prepayment rider is attached with Note but Prepayment rider is not attached with the recorded copy of Mortgage. |  |  |
| 72495414 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | Original note is damaged / lost, and lost note affidavit found in the loan file at locator " xx". However a duplicate copy available in loan files. |  |  |
| 72495414 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. |  |  |
| 72495414 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is required for ARM loan; however document is missing from loan file. |  |  |
| 72495414 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | As per final application dated xx/xx/xxxx, the borrower monthly income is $x,xxx.xx and monthly expenses are given in the amount of $x,xxx.xx. Hence the DTI ratio became xx%, which is greater than xx%. |  |  |
| 6013968 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TILA finance charge test and TILA foreclosure rescission finance charge test.<br> Loan Data: $xxx,xxx.xx Comparison Data $xxx,xxx.xx Variance -$xxx,xxx.xx<br>This loan failed the TILA APR test:<br> Loan Data: x.xxx% Comparison Data xx.xxx% Variance - x.xxx% |  |  |
| 6013968 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed TILA Finance Charge Test, TILA Foreclosure Rescission Finance Charge Test, and TILA APR Test. |  |  |
| 6013968 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required affiliated business disclosure is missing from the loan file. |  |  |
| 6013968 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan Program disclosure is missing from the loan file. |  |  |
| 6013968 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service providers disclosure is missing from the loan file. |  |  |
| 86880494 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Disclosure is missing from the loan file. |  |  |
| 86880494 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 86880494 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | Final Good Faith Estimate is missing from the loan file. |  |  |
| 86880494 | xx | xx | xx | 6d175d99-f2e3-4d75-80a0-682f8b85b1ea | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Truth in Lending Disclosure is Missing (Lvl 2) | Initial Truth in Lending is missing from the loan file. |  |  |
| 86880494 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in Florida State. The following required state disclosures are missing from the loan file. <br> x.Anti-Coercion Notice<br> x.Title Insurance Disclosure<br> x.Radon Gas Disclosure<br> x.Insurance Sales Disclosure |  |  |
| 86880494 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan Origination Fee Test: FAIL $x,xxx.xx $x,xxx.xx +$xx.xx.<br> This loan failed the loan origination fee test. (VA Pamphlet xx-x, Chapter x.xx)<br> The loan charges the veteran a loan origination fee and/or unauthorized fees, the total of which exceeds x% of the loan amount,<br> or x% of the unpaid principal balance if the loan is an Interest Rate Reduction Refinance Loan (IRRRL).<br> In addition to certain itemized fees and charges designated by VA guidelines, the lender may charge the veteran a flat charge not<br> to exceed x%. The lender's maximum allowable flat charge of x% is intended to cover all of the lender's costs and services which<br> are not reimbursable as "itemized fees and charges."<br> The seller, lender, or any other party may pay fees and charges, including discount points, on behalf of the borrower. VA<br> regulations limit charges "made against or paid by" the borrower. They do not limit the payment of fees and charges by other<br> parties. |  |  |
| 86880494 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. |  |  |
| 86880494 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 86880494 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Application is missing from the loan file. |  |  |
| 86880494 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service Providers is missing from the loan file. |  |  |
| 86880494 | xx | xx | xx | e99b279c-a3fe-4039-91dc-3f33c0f684d9 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Good Faith Estimate is Missing (Lvl 2) | Initial Good Faith Estimate is missing from the loan file. |  |  |
| 28247610 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Disclosure Document is missing from the loan file. |  |  |
| 28247610 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. |  |  |
| 28247610 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by the borrower. |  |  |
| 28247610 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service Provider Disclosure is missing from the loan file. |  |  |
| 28247610 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in MD state and the required State disclosures are missing from the loan file as follow.<br> Affidavit of Consideration<br> Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure<br> Balloon Payment<br> No Escrow Account<br> Mandatory Binding Arbitration Disclosures |  |  |
| 28247610 | xx | xx | xx | 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Not all borrowers signed TIL (Lvl 2) | Final TIL is not signed by the borrower. |  |  |
| 28247610 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand dated by borrower. |  |  |
| 63407244 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 63407244 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | The operative index value is unable to be determined from the available loan file. |  |  |
| 63407244 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 63407244 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in NY state. The following state disclosures is missing from the loan file. <br> NY Consumer Credit Disclosure / Fair Credit Reporting Notice<br> NY Interest Rate Disclosure<br> NY Hazard Insurance Disclosure<br> Tax Escrow Account Designation<br> Mortgage Bankers and Exempt Organizations Preapplication<br> Part xx Disclosure<br> Alternative Mortgage Transaction Disclosures<br> Co-Signer Notice Requirements<br> Default Warning Notice<br> Smoke Alarm Affidavit<br> New York Real Property Escrow Account Disclosure<br> Subprime Home Loan Counseling Disclosure<br> Subprime Home Loan Tax and Insurance Payment Disclosure<br> Subprime Home Loan Disclosure<br> Commitment Disclosure<br> Lock-in Disclosure<br> Expiration of Lock-in or Commitment Period |  |  |
| 63407244 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 63407244 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final Application is missing from the loan file. |  |  |
| 63407244 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service Providers Disclosures is missing from the loan file. |  |  |
| 63407244 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The notice of servicing transfer disclosure is missing from the loan file. |  |  |
| 63407244 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x along with itemization and estimated HUD-x are missing from the loan file. |  |  |
| 63407244 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 63407244 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 27183404 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | Right of Rescission is missing from the loan file. |  |  |
| 27183404 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Alabama | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Document is missing from the loan file. |  |  |
| 27183404 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow acct disclosure is missing from the loan file. |  |  |
| 27183404 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Alabama | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal is missing from the loan file. |  |  |
| 27183404 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Alabama | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from the loan file. |  |  |
| 27183404 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x/settlement statement along with estimated HUD-x / itemization of fees are missing from the loan file. |  |  |
| 27183404 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | Non-QM | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service providers disclosure is missing from the loan file. |  |  |
| 27183404 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. |  |  |
| 8426018 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | CE risk indicator is "Elevated" as the subject loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $x,xxx.xx and total expenses are in the amount of $x,xxx.xx per AUS (Locator#xx) and the loan was underwritten by AUS & it's recommendation is "Approve/Eligible."<br> Qualified Mortgage DTI Threshold Finding: YES Charged: xx.xxx% Allowed: xx.xxx% Over By: +x.xxx%<br> The tape data shows, property was impacted by hurricane in Sept xxxx and as borrower was eligible for loan forbearance program. The borrower initially selected a xx-day forbearance (no payment in Oct-Dec). He has now elected to go on a payment program that will have hit caught up in April. While the loan has been insured by VA, it is not eligible for inclusion into a Ginnie Mae pool in its current forbearance status. |  |  |
| 8426018 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | MI Certificate is missing from the loan file as the loan is VA. |  |  |
| 88310795 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-Trid | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The subject loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $x,xxx.xx and total expenses are in the amount of $x,xxx.xx per AUS (Locator:xx) and the loan was underwritten by AUS & AUS recommendation is "Approve/Eligible." That means this loan is eligible for delivery to Fannie Mae and qualifies as Safe Harbor. |  |  |
| 88310795 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-Trid | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in xx CFR §xxxx.xx, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: x.xxx% Allowed: x.xxx% Over by: +x.xxx% |  |  |
| 88310795 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-Trid | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | MI Certificate is missing from the loan file as the loan is FHA. |  |  |
| 88310795 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-Trid | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | x. Missing valid COC for a fee increase on LE dated xx/xx/xxxx. LE dated xx/xx/xxxx reflects a Points - Loan Discount Fee of $x.xx, however, LE dated xx/xx/xxxx reflects the Points - Loan Discount Fee $x,xxx.xx. This is a fee increase of $x,xxx.xx for a Non-Shoppable Fee which exceeds the x% tolerance for Non-Shoppable Fees.<br>x. TRID fee violation for $xxx.xx due to total fees increase which greater than a xx% increase in "creditor's provider fees" in Section B for a Notary Fee ($xxx.xx); Abstract/Title Search Fee of $xx.xx; Title Tax Cert Fee of $xx.xx and Title Document Preparation Fee ($xxx.xx) Valid COC required to clear violation. |  |  |
| 88310795 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-Trid | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (x.xxx%) is exceeded APOR (x.xxx%) by x.xxx%. The APR threshold is x.xxx% and the subject loan is escrowed one.<br>Qualified Mortgage Safe Harbor Threshold: FAIL Charged: x.xxx% Allowed: x.xxx% Over by: +x.xxx% |  |  |
| 14077771 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing Transfer disclosure is missing from the loan file. |  |  |
| 14077771 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in Louisiana , LA state required disclosure all are missing from the loan file.<br> x) Impound Account Disclosure<br> x) Cosigner Notice<br> x) Private Mortgage Insurance Disclosure<br> x) Hazard Insurance Disclosure<br> x) Insurer Recommendation Disclosure<br> x) Anti-Tying Disclosure<br> x) Privacy Notice<br> x) Notice of Right to Copy of Appraisal<br> x) Application for Credit-Married Persons<br> xx) Fair Debt Collection Notice<br> xx) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application |  |  |
| 14077771 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. |  |  |
| 14077771 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | As per Final HUD-x, settlement date is xx/xx/xxxx however, note date is xx/xx/xxxx. |  |  |
| 14077771 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 14077771 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final xxxx is missing from the loan file. |  |  |
| 14077771 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file. |  |  |
| 14077771 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow account disclosure is missing from the loan file. |  |  |
| 14077771 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | Unexecuted copy of Final HUD-x is available in the loan file. The same HUD-x is considered to test the CE report. |  |  |
| 14077771 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-x is available in the loan file located at (xx - HUD x).There is a fee of $xxx.xx mentioned on the HUD-x and it was expected to be mentioned on the addendum to HUD-x (xrd page). However, the addendum (xrd page) is missing from the available copy of HUD-x." |  |  |
| 39168964 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | The final GFE is missing in the loan file. |  |  |
| 39168964 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in Maryland State. The following required state disclosures are missing from the loan file.<br> x.Affidavit of Consideration<br> x.Affidavit of Disbursement<br> x.First Time Buyers Affidavit<br> x.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure<br> x.Balloon Payment<br> x.No Escrow Account<br> x.Mandatory Binding Arbitration Disclosures<br> x.Home Buyer Education and Counseling Disclosure |  |  |
| 39168964 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The List of Service Provider Disclosure is missing from the loan file. |  |  |
| 61323797 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The list of service providers disclosure is missing from the loan file. |  |  |
| 61323797 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in Florida State. The following state disclosures are missing from the loan file. <br> x.Anti-Coercion Notice.<br> x.Title Insurance Disclosure.<br> x.Radon Gas Disclosure.<br> x.Insurance Sales Disclosure. |  |  |
| 61323797 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.<br> The finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate because it is understated by more than $xxx.<br> This loan failed the TILA APR test.<br> The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. |  |  |
| 61323797 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA finance charge test.<br> This loan failed the TILA APR test. |  |  |
| 61323797 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The Affiliated business disclosure is missing from the loan file. |  |  |
| 28115137 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. |  |  |
| 28115137 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure is missing from the loan file. |  |  |
| 28115137 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service Provider Disclosure is missing from the loan file. |  |  |
| 28115137 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file. |  |  |
| 28115137 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | The Final Truth In Lending Disclosure is missing from the loan file. |  |  |
| 28115137 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The Final HUD-x along with estimated HUD-x and itemization are missing from the loan file. |  |  |
| 28115137 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 28115137 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report at the time of origination is missing from the loan file. |  |  |
| 28115137 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in the Massachusetts state. The following state disclosures are missing from the loan file:<br>x.Lead-Based Paint Disclosure<br> x.Mortgage Loan Application Disclosure<br> x.Carbon Monoxide Alarms<br> x.MA Smoke Detector Certificate<br> x.Notice of the Specific Reason for Denial of Credit<br> x.Demonstration and Documentation of Compliance with Borrower's Interest Requirement |  |  |
| 28115137 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final Application is missing from the loan file. |  |  |
| 28115137 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing Transfer Disclosure is missing from the loan file. |  |  |
| 54607106 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Washington D.C. | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 54607106 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Washington D.C. | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required affiliated business disclosure is missing from the loan file. |  |  |
| 54607106 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Washington D.C. | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | Following state disclosures are missing from the loan file.<br> DC Insurance Notice<br> Domestic Partner Disclosure |  |  |
| 54607106 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Washington D.C. | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of service transfer disclosure is missing from the loan file. |  |  |
| 54607106 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Washington D.C. | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service providers is missing from the loan file. |  |  |
| 75428374 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Delaware | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from the loan file. |  |  |
| 75428374 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | Non-QM | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of Service providers disclosure is missing from the loan file. |  |  |
| 75428374 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from loan file. |  |  |
| 75428374 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Delaware | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 75428374 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase risk indicator is Moderate due to loan failed the TILA APR test. |  |  |
| 75428374 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test. Loan data is x.xxx%, comparison data is x.xxx% and variance is - x.xxx%. |  |  |
| 85548240 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of service transfer disclosure is missing from the loan file. |  |  |
| 85548240 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required affiliated business disclosure is missing from the loan file. |  |  |
| 85548240 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | Following state disclosures are missing from the loan file<br> Waiver of Borrowers Rights and Closing Attorney Affidavit (not required by law but provided as a matter of custom)<br> Disclosure of Additional Fees |  |  |
| 85548240 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan. |  |  |
| 85548240 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service providers is missing from the loan file. |  |  |
| 55101209 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The list of service provider document is missing from the loan file. |  |  |
| 55101209 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 55101209 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | As per the final application, the total monthly expenses are $xxxx.xx and total monthly income is $x,xxx.xx. However, the DTI exceeds xx%. |  |  |
| 55101209 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The loan is a FHA loan. However, the MI certificate is required but missing from the loan file. |  |  |
| 55101209 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in Maryland State. The following required state disclosures are missing from the loan file.<br> x.Affidavit of Consideration<br> x.Affidavit of Disbursement<br> x.First Time Buyers Affidavit<br> x.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure<br> x.Balloon Payment<br> x.No Escrow Account<br> x.Mandatory Binding Arbitration Disclosures<br> x.Home Buyer Education and Counseling Disclosure |  |  |
| 90304071 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct Disclosure is missing from the loan file. |  |  |
| 90304071 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service provider is missing from the loan file. |  |  |
| 90304071 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Compliance Ease risk indicator is being failed for TILA Foreclosure Rescission Finance Charge Test.<br>TILA Foreclosure Rescission Finance Charge Test is fail. Loan data is$xxx,xxx.xx and comparison data is $xxx,xxx.xx. Hence, the variance is -$xx.xx. |  |  |
| 90304071 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA foreclosure rescission finance charge test. <br> The finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate for purposes of<br> rescission because it is understated by more than $xx. |  |  |
| 90304071 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Nevada | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final xxxx is missing from the loan file. |  |  |
| 37565687 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 37565687 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 37565687 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form is missing from the loan file. |  |  |
| 37565687 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 37565687 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer document is missing from the loan file. |  |  |
| 37565687 | xx | xx | xx | e771f51b-ccfc-4035-9f6b-a3288820555c | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Mortgage missing / unexecuted (Lvl 2) | The subject mortgage originated on xx/xx/xxxx with the loan amount as $xx ,however the mortgage recorded on xx/xx/xxxx showing the incorrect loan amount as $xx. |  |  |
| 37565687 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | final HUD-x along with estimated HUD and Itemization are missing from the loan file. |  |  |
| 37565687 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final xxxx/Application is missing from the loan file. |  |  |
| 62312001 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | The operative index value is unable to be determined since the supporting documents are missing from the loan file. |  |  |
| 62312001 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The list of service providers disclosure is missing from the loan file. |  |  |
| 62312001 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.<br> The loan does charge fee(s) not provided for in this act, which is prohibited.<br> A person licensed as a mortgage broker shall have the right to charge only the following fees: (x) application fee; and (x)discount points which may be labeled as an origination fee. |  |  |
| 62312001 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The Affiliated Business disclosure is missing from the loan file. |  |  |
| 62312001 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. |  |  |
| 62312001 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in the state of New Jersey. The following state disclosures are missing from the loan file. <br> x. NJ Application Disclosure.<br> x. Delivery Fee Authorization.<br> x. NJ Attorney Disclosure.<br> x. Unacceptability of Insurance Notice.<br> x. Attorney Disclosure II.<br> x. Tax Bill Information.<br> x. Private Well Testing.<br> x. Lock-In Agreement.<br> x. Commitment Disclosures.<br> xx. Choice of Insurer Disclosure.<br> xx. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. |  |  |
| 62312001 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | The loan program disclosure is missing from the loan file. |  |  |
| 62312001 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The Servicing Transfer disclosure is missing from the loan file. |  |  |
| 49618820 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 49618820 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 49618820 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 49618820 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report at the time of origination is missing from the loan file. |  |  |
| 49618820 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final xxxx is missing in the loan file. |  |  |
| 49618820 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required affiliated business disclosure is missing from the loan file. |  |  |
| 49618820 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service provides is missing from the loan file |  |  |
| 49618820 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | Following state disclosures are missing from the loan file:<br> IL Collateral Protection Insurance Notice<br> Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application |  |  |
| 49618820 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | LTV is xx% which is greater than xx% hence MI certificate is required; however, it is missing from the loan file. |  |  |
| 49618820 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index value is unable to confirm. |  |  |
| 49618820 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of service transfer disclosure is missing from the loan file. |  |  |
| 49618820 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x is missing from the loan file. Also, there is no estimated HUD-x or itemization available in the loan file. |  |  |
| 96912015 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing Transfer disclosure is missing from the loan file. |  |  |
| 96912015 | xx | xx | xx | 6d175d99-f2e3-4d75-80a0-682f8b85b1ea | xx | xx | xx | QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Truth in Lending Disclosure is Missing (Lvl 2) | Initial TIL is missing from the loan file. |  |  |
| 96912015 | xx | xx | xx | 1572c798-5472-43ad-ba76-74aaee0b84e4 | xx | xx | xx | QM | QC Complete | Illinois | xx | Compliance | NPL | Active | 2: Acceptable with Warnings | \* Homeowner's Counseling disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from the loan file. |  |  |
| 96912015 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | MI certificate is missing from the loan file. |  |  |
| 96912015 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | CE risk indicator is "Elevated" as this loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (x.xxx%) is exceeded APOR (x.xxx%) by x.xxx%. The APR threshold is x.xxx% and the subject loan is escrowed one.<br>Qualified Mortgage Safe Harbor Threshold: FAIL Charged: x.xxx% Allowed: x.xxx% Over by: +x.xxx% |  |  |
| 96912015 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. |  |  |
| 96912015 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow Account disclosure is missing from the loan file. |  |  |
| 29669339 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | Below state disclosure is missing from the loan file.<br> Reciprocal Beneficiary/ Civil Union Addendum to Uniform Residential Loan Application. |  |  |
| 29669339 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal at origination is missing from the loan file. |  |  |
| 29669339 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final xxxx is missing from the loan file. |  |  |
| 29669339 | xx | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial LE (Lvl 3) | Initial LE is missing from the loan file. Unable to test CE. |  |  |
| 29669339 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 4: Unacceptable | \* HUD-1 Closing Statement missing or unsigned (Lvl 4) | Final CD is missing from the loan file. Unable to test CE. |  |  |
| 29669339 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 29669339 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from the loan file. |  |  |
| 29669339 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan file. |  |  |
| 68785468 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-Trid | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The subject loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xxxx.xx and total expenses are in the amount of $xxxx.xx per AUS (L.P) "xx"and the loan was underwritten by AUS & AUS recommendation is "Accept". |  |  |
| 68785468 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-Trid | QC Complete | Washington | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | Updated settlement date as xx/xx/xxxx as per the CD which is different from the note date xx/xx/xxxx. |  |  |
| 68785468 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-Trid | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID Violation due to a Lender Credit Decrease on CD dated xx/xx/xxxx. LE dated xx/xx/xxxx reflects a Non-Specific Lender Credit of $xxx, however, Initial CD dated xx/xx/xxxx reflects the Non-Specific Lender Credit at $x.xx. This is a Lender Credit decrease of $xxx which is considered a Zero Tolerance amount. |  |  |
| 68785468 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-Trid | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Compliance fails for Charges That Cannot Increase Test: loan data is $xx.xx, comparison data is $x.xx and variance is +$xx.xx. |  |  |
| 68785468 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-Trid | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Compliance fails for Qualified Mortgage DTI Threshold Test: loan data is xx%, comparison data is xx.xx% and variance is +x.xxx%. |  |  |
| 68785468 | xx | xx | xx | c6ddfaea-8a6a-47ee-a347-48d54643a435 | xx | xx | xx | QM-Trid | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* The COC is missing (Lvl 3) | TRID Violation due to a fee addition on Revised CD dated xx/xx/xxxx. LE dated xx/xx/xxxx reflects a Loan Discount Fee of $xxx, however, Revised CD dated xx/xx/xxxx reflects a Loan Discount Fee of $xxx. This is a fee increase of $xx.xx for a Non-Shoppable Fee which exceeds the x% tolerance for Non-Shoppable Fees. |  |  |
| 68785468 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-Trid | QC Complete | Washington | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure to the Borrower(s) on LE dated xx/xx/xxxx discloses the loan will not be transferred and the originator will service the loan. |  |  |
| 68785468 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-Trid | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Compliance fails for TILA Right of Rescission Test.<br> The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by xx CFR §xxxx.xx or §xxxx.xx, or delivery of all material disclosures, whichever occurs last. Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years expired. |  |  |
| 87787303 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Michigan | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | MI certificate is missing in the loan file. |  |  |
| 87133942 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index value is unable to determine from loan files. |  |  |
| 49197531 | xx | xx | xx | c23a2eb9-a8db-4d55-a62b-42585231fc2c | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Date after actual transaction date (Lvl 2) | The note is dated xx/xx/xxxx, application is dated xx/xx/xxxx, Hud is dated xx/xx/xxxx and the TIL is dated as xx/xx/xxxx considered the dates provided in the Documents. |  |  |
| 49197531 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. |  |  |
| 49197531 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. Loan data is $xxx.xx, allowed is $x.xx, hence variance is +$xxx.xx.<br> The loan does charge fee(s) not provided for in this act, which is prohibited.<br> A person licensed as a mortgage broker shall have the right to charge only the following fees: (x) application fee; and (x) discount points which may be labeled as an origination fee. |  |  |
| 49197531 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | The original note is dated xx/xx/xxxx and the Hud settlement date is xx/xx/xxxx and disbursement date is xx/xx/xxxx, considered as per the document. |  |  |
| 67647045 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan failed the predatory lending guidance test due to one or more of the following findings:<br> The loan failed the points and fees test.<br>GSE (Freddie Mac public guidelines) Points and Fees Test: FAIL Loan Data $x,xxx.xx Comparison Data $x,xxx.xx Variance+$xxx.xx |  |  |
| 92079167 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-Qm | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final xxxx application is missing from the loan file. |  |  |
| 75677009 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test: loan data is x.xxx% comparison data is x.xxx% hence variance is - x.xxx%.<br> Final TIL is missing from loan file, hence APR considered as x.xx%. |  |  |
| 75677009 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final loan application along with xxxx transmittal summary is missing in the loan file. |  |  |
| 75677009 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | An operative index value is unable to determine from the loan file. |  |  |
| 75677009 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL document is missing in the loan file.<br> Per seller confirmation dated xx/xx/xxxx this document is not available with them. |  |  |
| 75677009 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA APR test and the ARM rate adjustment cap test. |  |  |
| 62952637 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Michigan | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing in the loan file. |  |  |
| 62952637 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing in the loan file. |  |  |
| 62952637 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Michigan | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing in the loan file. |  |  |
| 62952637 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | HUDx is missing in the loan file. Estimated HUDx and itemization also not found in the file. |  |  |
| 62952637 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Michigan | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final xxxx is missing in the loan file. |  |  |
| 61490645 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 21782867 | xx | xx | xx | 40732d41-ff63-42f7-90be-34db1148c008 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) | The Operative Index value is not available from the loan files. |  |  |
| 21782867 | xx | xx | xx | d37b6b0d-52a6-40cb-8ba6-8980e85842cd | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) | As per ROR, transaction date is xx/xx/xxxx which is not aligned with the note date xx/xx/xxxx and also as per HUD-x. |  |  |
| 90104340 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | The final xxxx is missing from the loan file. |  |  |
| 90104340 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Risk indicator is Moderate because This loan failed the TILA APR test.<br>TIL is missing from the loan file, hence APR is updated as x% to test compliance. |  |  |
| 90104340 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test. (xx CFR §xxxx.xx(a)(x), (x) , transferred from xx CFR §xxx.xx(a)(x), (x))<br> The annual percentage rate (APR) is xx.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than<br> x/x of x percentage point above or below the APR as determined in accordance with the actuarial method.<br>TIL is missing from the loan file, hence APR is updated as x% to test compliance. |  |  |
| 90104340 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | TIL is missing from the loan file. |  |  |
| 90104340 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal is missing from the loan file. |  |  |
| 83901685 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | Settlement date as per final HUDx is xx/xx/xxxx. However, Original Note date is xx/xx/xxxx. |  |  |
| 83901685 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | MI certificate is missing in the loan file. |  |  |
| 64491980 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final xxxx is missing in the loan file. |  |  |
| 64491980 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIl is missing in loan file. |  |  |
| 64491980 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing in the loan file. |  |  |
| 64491980 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final Hud-x is missing in the loan file. Estimated Hud or Itemization also not found in the loan file. |  |  |
| 64491980 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | A Lost Note Affidavit found in loan file at (xx) which stated that original Note has been lost. |  |  |
| 64491980 | xx | xx | xx | 8dd91e5f-7c41-4bbc-9605-c6945d322eb3 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Credit | Active | 3: Curable | \* Incorrect Property address on Note Document. (Lvl 3) | Subject Property address mentioned on Note and Warranty Deed is, " xx". <br> However, Subject Property address mentioned on Mortgage, Modification Agreement, Final TPOL, U.Title report is, "xx". <br> Legal Description mentioned on Warranty Deed and Mortgage, TPOL is Same. |  |  |
| 30694972 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | The Final Loan Application is missing in loan file, however initial application is available dated xx/xx/xxxx. |  |  |
| 30694972 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | This is a FHA loan. MI certificate is required however, MI Certificate is missing from the loan file. |  |  |
| 82042435 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.<br> The finance charge is $xx,xxx.xx. The disclosed finance charge of $xx,xxx.xx is not considered accurate because it is understated by more than $xxx.<br> Loan data is $xxxxx.xx which is comparision with $xxxxx.xx and variance is $xxx.xx<br> This loan failed the TILA foreclosure rescission finance charge test.<br> The finance charge is $xx,xxx.xx. The disclosed finance charge of $xx,xxx.xx is not considered accurate for purposes of rescission because it is understated by more than $xx.<br> This loan failed the TILA right of rescission test.<br> The funding date is before the third business day following consummation.<br> The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by xx CFR §xxxx.xx or §xxxx.xx, or delivery of all material disclosures, whichever occurs last. |  |  |
| 82042435 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | TIL is not hand dated by the borrower. |  |  |
| 82042435 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. |  |  |
| 82042435 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA finance charge test.<br> This loan failed the TILA foreclosure rescission finance charge test.<br> This loan failed the TILA right of rescission test |  |  |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Redacted ID** | **Loan #1** | **Loan #2** | **Pool** | **Borrower Last Name** | **Borrower First Name** | **Co-Borrower Last Name** | **Co-Borrower First Name** | **Address** | **City** | **State** | **Zip** | **Current UPB Per Pay Hist** | **Stated Current Rate** | **Current PI** | **Current PITI** | **Payment History As Of Date** | **Next Due Date per Payment History** | **Mos Curr Delinq per Pay History** | **Payment History Comments** | **7/2023** | **8/2023** | **9/2023** | **10/2023** | **11/2023** | **12/2023** | **1/2024** | **2/2024** | **3/2024** | **4/2024** | **5/2024** | **6/2024** | **7/2024** | **8/2024** | **9/2024** | **10/2024** | **11/2024** | **12/2024** | **1/2025** | **2/2025** | **3/2025** | **4/2025** | **5/2025** | **6/2025** | **Payment History String** | **Payment History String Reversed** | **Last Payment Received Date** | **Months** | **Amount** | **Cash Velocity** | **3 mos Cash Velocity** | **6 mos Cash Velocity** | **12 mos Cash Velocity** | **Avg Cash** | **Total Cash** |
| 80036044 | xx | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $78533.15 | 5.670% | $432.85 | $573.02 | 2017-XX-XX | 2017-XX-XX | 0 | As of xx/XX/????, payments are delinquent for less than ?? days and next due for xx/XX/????. The last not was received on xx/XX/???? for due date xx/XX/???? in the amount of $???.?? towards PITI. The UPB is $??,???.?? as per tape data. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2017-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 42531345 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $186660.86 | 4.625% | $692.05 | $1226.01 | 2017-XX-XX | 2016-XX-XX | 13 | As per payment history as of date xx/XX/????, the borrower is delinquent more than ??? days. The last payment was received on xx/XX/???? which was applied for xx/XX/???? payment in the amount of P&I $???.?? and PITI $?,???.??. The next due date is xx/XX/????. The UPB reflects in payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2017-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 36790294 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Idaho | xx | $285043.53 | 4.625% | $1507.53 | $1770.55 | 2024-XX-XX | 2024-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $?,???.?? and the interest rate is ?.???%.<br> The interest column is missing from the payment history located at "xx".<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 74.400% | 0.000% | 0.000% | 25.000% | $XX | $XX |
| 7066522 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | $212257.86 | 4.500% | $1326.36 | $1779.95 | 2024-XX-XX | 2024-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??.<br> The interest column is missing from the payment history located at "xx". | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 128.400% | 0.000% | 0.000% | 18.800% | $XX | $XX |
| 96685179 | xx | xx | xx | xx | xx |  |  | xx | xx | Washington | xx | $447734.01 | 7.125% | $3033.75 | $3607.43 | 2024-XX-XX | 2024-XX-XX | 0 | As per the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 29.200% | 0.000% | 0.000% | 16.700% | $XX | $XX |
| 73009595 | xx | xx | xx | xx | xx |  |  | xx | xx | Oregon | xx | $254404.67 | 7.125% | $1717.98 | $1717.98 | 2024-XX-XX | 2024-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied to the due date of xx/XX/????. The current P&I is $?,???.?? and the interest rate is ?.???%. The current UPB is $???,???.??‬. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 8.800% | 0.000% | 0.000% | 17.600% | $XX | $XX |
| 37045662 | xx | xx | xx | xx | xx |  |  | xx | xx | Connecticut | xx | $226746.91 | 4.750% | $1072.75 | $1825.05 | 2024-XX-XX | 2024-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 66.700% | 0.000% | 0.000% | 25.000% | $XX | $XX |
| 63989573 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | $351425.33 | 2.750% | $1334.81 | $2325.14 | 2024-XX-XX | 2024-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 129.700% | 0.000% | 0.000% | 51.200% | $XX | $XX |
| 47236285 | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $374226.69 | 2.758% | $1663.27 | $2393.51 | 2024-XX-XX | 2024-XX-XX | 0 | As per the review of payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 71.200% | 0.000% | 0.000% | 25.000% | $XX | $XX |
| 8869494 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $135407.50 | 5.750% | $819.39 | $1063.71 | 2024-XX-XX | 2024-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 72.500% | 0.000% | 0.000% | 25.000% | $XX | $XX |
| 42468031 | xx | xx | xx | xx | xx |  |  | xx | xx | California | xx | $141969.43 | 4.500% | $938.64 | $1578.28 | 2024-XX-XX | 2024-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI) which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.?? and deferred balance is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 55.500% | 0.000% | 0.000% | 25.000% | $XX | $XX |
| 99800375 | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $225000.00 |  |  |  | 2024-XX-XX | 2024-XX-XX | 2 | The latest payment history is missing from the loan file. According to payment history tape data as of xx/XX/????, the borrower has been delinquent with the loan for ? months, and the next due date is xx/XX/????. The P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 90923872 | xx | xx | xx | xx | xx |  |  | xx | xx | Michigan | xx | $280883.77 | 4.125% | $1446.19 | $2613.10 | 2024-XX-XX | 2024-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $?,???.?? and the interest rate is ?.???%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 67.200% | 0.000% | 0.000% | 35.900% | $XX | $XX |
| 50808189 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $411020.78 | 6.625% | $2650.89 | $2724.43 | 2024-XX-XX | 2024-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? and was applied to the due date of xx/XX/????. The monthly P&I is $?,???.??, and the interest rate is ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 32.500% | 0.000% | 0.000% | 32.700% | $XX | $XX |
| 41513455 | xx | xx | xx | xx | xx |  |  | xx | xx | Mississippi | xx | $137703.59 | 6.375% | $873.42 | $1068.41 | 2024-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 33.200% | 0.000% | 0.000% | 46.600% | $XX | $XX |
| 89140020 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | $230127.36 | 6.500% | $1466.33 | $1900.63 | 2024-XX-XX | 2024-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 34.100% | 0.000% | 0.000% | 34.000% | $XX | $XX |
| 23020572 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Nevada | xx | $261841.70 | 7.375% | $1830.29 | $2098.01 | 2024-XX-XX | 2024-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan. The next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? and the interest rate is ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 60.000% | 0.000% | 0.000% | 33.300% | $XX | $XX |
| 84591906 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $716788.59 | 7.000% | $4831.43 | $6113.09 | 2024-XX-XX | 2024-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 58.300% | 0.000% | 0.000% | 33.100% | $XX | $XX |
| 33261579 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $121250.00 | 5.990% | $726.00 | $726.00 | 2024-XX-XX | 2024-XX-XX | 0 | The loan was originated on xx/XX/???? with the first payment date xx/XX/????. According to the payment history as of xx/XX/????, the first payment of the loan has not started yet. The current monthly P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 16869309 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Kentucky | xx | $58452.80 | 6.500% | $422.63 | $422.63 | 2017-XX-XX | 2012-XX-XX | 59 | Review of updated payment history shows the subject loan is currently delinquent for +??? days. The last payment was received on xx/XX/???? in the amount of $???.?? with a rate of interest of ?.???% for the due date of xx/XX/???? and the next due date is xx/XX/????. The UPB as of the date is in the amount $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2017-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 3363862 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Kentucky | xx | $60843.28 | 6.500% | $439.92 | $439.92 | 2017-XX-XX | 2012-XX-XX | 59 | As per the review of updated payment history as of xx/XX/????, the borrower is delinquent with the loan for more than ???+ days and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.??, which was applied for the due date of xx/XX/????. The current UPB is reflecting in the updated payment history is in the amount of $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2017-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 13803860 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Kentucky | xx | $65960.43 | 6.500% | $470.26 | $470.26 | 2017-XX-XX | 2012-XX-XX | 64 | As per review of the payment history, the subject loan is delinquent for +??? days. The last payment was received on xx/XX/???? in the amount of $???.??, which was applied to xx/XX/???? & the next due date is xx/XX/????. The current UPB as of the date is in the amount of $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2017-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 81191707 | xx | xx | xx | xx | xx |  |  | xx | xx | Missouri | xx | $74383.78 | 8.250% | $583.34 | $792.19 | 2024-XX-XX | 2024-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 41.700% | 0.000% | 0.000% | 41.700% | $XX | $XX |
| 45892773 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $998088.08 | 6.450% | $6281.55 | $8931.20 | 2024-XX-XX | 2024-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI) which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 0.000% | 0.000% | 8.300% | $XX | $XX |
| 28856272 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $452102.35 | 10.250% | $4072.78 | $4592.65 | 2024-XX-XX | 2024-XX-XX | 0 | According to the payment history as of xx/XX/????, the loan is current and the next due date for payment is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The P&I is $?,???.?? with an interest rate of ??.???% and PITI is $?,???.??. The UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 50.000% | 0.000% | 0.000% | 41.700% | $XX | $XX |
| 14371676 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $413267.00 | 6.500% | $2612.13 |  | 2024-XX-XX | 2024-XX-XX | 0 | The loan was originated on xx/XX/???? and the first payment date is xx/XX/????. The next due date is xx/XX/????. Details of the last payment received are not available. As per tape, the current P&I is $?,???.?? and interest rate is ?.??%. The UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 96069572 | xx | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $501918.68 | 6.125% | $3052.69 | $3882.00 | 2024-XX-XX | 2024-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 0.000% | 0.000% | 8.300% | $XX | $XX |
| 70682549 | xx | xx | xx | xx | xx |  |  | xx | xx | South Carolina | xx | $187334.58 | 6.625% | $1200.58 | $1576.75 | 2024-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. Current P&I is $????.??, and the interest rate is ?.???%. The new UPB is reflected in the amount of $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 0.000% | 0.000% | 8.300% | $XX | $XX |
| 79125576 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | $863382.17 | 5.750% | $5054.37 | $6020.45 | 2024-XX-XX | 2024-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $?,???.??, and the interest rate is ?.???%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 12.500% | 0.000% | 0.000% | 25.000% | $XX | $XX |
| 71008660 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $279542.42 | 5.125% | $1553.42 | $2216.10 | 2024-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 60.400% | 0.000% | 0.000% | 41.700% | $XX | $XX |
| 52188812 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $261634.07 | 5.500% | $1490.45 | $2117.07 | 2024-XX-XX | 2024-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $?,???.??, and the interest rate is ?.???%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 12.500% | 0.000% | 0.000% | 25.000% | $XX | $XX |
| 15109141 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | $673191.00 | 4.990% | $3609.72 |  | 2024-XX-XX | 2024-XX-XX | 0 | The loan originated on xx/XX/???? and the first payment date is xx/XX/????. As per the payment history as of xx/XX/????, the borrower is current with the loan and the next due date is xx/XX/????. The current P&I is $?,???.??, and the interest rate is ?.???%. The UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 6868872 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $480061.11 | 4.625% | $2513.12 | $3563.71 | 2024-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 51.200% | 0.000% | 0.000% | 50.000% | $XX | $XX |
| 6184699 | xx | xx | xx | xx | xx |  |  | xx | xx | Massachusetts | xx | $397838.15 | 4.875% | $2198.72 | $3094.75 | 2024-XX-XX | 2025-XX-XX | 0 | As per the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 78.800% | 0.000% | 0.000% | 52.500% | $XX | $XX |
| 32087966 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New Hampshire | xx | $360334.84 | 7.125% | $2441.56 | $3176.82 | 2024-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI) which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 29.200% | 0.000% | 0.000% | 50.000% | $XX | $XX |
| 99016557 | xx | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $123434.43 | 2.990% | $589.49 | $733.51 | 2024-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 74.700% | 0.000% | 0.000% | 43.900% | $XX | $XX |
| 61593178 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Connecticut | xx | $429116.08 | 7.000% | $2875.77 | $3771.83 | 2024-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 18.500% | 0.000% | 0.000% | 37.100% | $XX | $XX |
| 83890119 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | $109059.65 | 2.875% | $651.59 | $651.59 | 2024-XX-XX | 2024-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 106.600% | 0.000% | 0.000% | 57.600% | $XX | $XX |
| 64507511 | xx | xx | xx | xx | xx |  |  | xx | xx | Delaware | xx | $222130.00 | 6.250% | $1367.69 | $1367.69 | 2024-XX-XX | 2024-XX-XX | 1 | The loan is originated on xx/XX/???? and first payment date is xx/XX/????. According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. As per tape the current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 79161369 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $430094.47 | 4.250% | $2219.88 | $3019.21 | 2024-XX-XX | 2024-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $?,???.??, and the interest rate is ?.???%.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 67.100% | 0.000% | 0.000% | 41.700% | $XX | $XX |
| 55246385 | xx | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $141086.44 | 3.375% | $668.98 | $1363.17 | 2024-XX-XX | 2024-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 63.700% | 0.000% | 0.000% | 41.700% | $XX | $XX |
| 48021088 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | $584446.27 | 6.875% | $3931.72 | $4860.87 | 2024-XX-XX | 2024-XX-XX | 0 | According to the review of payment history as of xx/XX/????, the borrower is current with the loan, and the next due date of payment is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which applied for xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 72.200% | 0.000% | 0.000% | 42.500% | $XX | $XX |
| 86355997 | xx | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $242995.22 | 3.250% | $1136.98 | $1673.88 | 2024-XX-XX | 2024-XX-XX | 0 | As per the review of payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 70.700% | 0.000% | 0.000% | 41.700% | $XX | $XX |
| 32100677 | xx | xx | xx | xx | xx |  |  | xx | xx | Delaware | xx | $374377.77 | 5.000% | $2092.77 | $2527.51 | 2024-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.??, and the rate of interest is ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 75.400% | 0.000% | 0.000% | 50.000% | $XX | $XX |
| 81492744 | xx | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $142222.84 | 5.250% | $1265.50 | $1548.38 | 2024-XX-XX | 2024-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 49.900% | 0.000% | 0.000% | 41.700% | $XX | $XX |
| 80231632 | xx | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $52873.43 | 4.250% | $300.50 | $631.11 | 2024-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan. The next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied for the due date of xx/XX/????. The current P&I is $???.?? and the interest rate is ?.???%. The current UPB is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 66.400% | 0.000% | 0.000% | 50.000% | $XX | $XX |
| 15042960 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | $512302.04 | 7.000% | $3452.59 | $4758.90 | 2024-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 61.800% | 0.000% | 0.000% | 41.400% | $XX | $XX |
| 69382893 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | $209123.44 | 7.250% | $1456.45 | $2150.00 | 2024-XX-XX | 2024-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%.The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 65.000% | 0.000% | 0.000% | 43.000% | $XX | $XX |
| 87432226 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Arkansas | xx | $376652.85 | 3.000% | $1762.30 | $2291.33 | 2024-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.??, and the rate of interest is ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 87.700% | 0.000% | 0.000% | 57.200% | $XX | $XX |
| 75166833 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | $296781.98 | 2.875% | $1323.23 | $2051.32 | 2024-XX-XX | 2024-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $?,???.??, and the interest rate is ?.???%.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 70.500% | 0.000% | 0.000% | 41.700% | $XX | $XX |
| 27203434 | xx | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $465992.96 | 2.750% | $2041.21 | $2787.77 | 2024-XX-XX | 2024-XX-XX | 0 | According to the review of payment history as of xx/XX/????, the borrower is current with the loan, and the next due date of payment is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which applied for xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 74.400% | 0.000% | 0.000% | 41.700% | $XX | $XX |
| 23356581 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $126110.24 | 6.250% | $788.12 | $1209.35 | 2024-XX-XX | 2024-XX-XX | 1 | According to the payment history as of xx/XX/????, the borrower is currently ?? month delinquent with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 53.700% | 0.000% | 0.000% | 33.900% | $XX | $XX |
| 12922378 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Indiana | xx | $210297.59 | 3.250% | $1009.68 | $1388.94 | 2024-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 69.200% | 0.000% | 0.000% | 50.000% | $XX | $XX |
| 60506044 | xx | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $200610.54 | 3.625% | $1010.92 | $1315.68 | 2024-XX-XX | 2025-XX-XX | 0 | According to the review of payment history as of xx/XX/????, the borrower is current with the loan, and the next due date of payment is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which applied for xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 73.200% | 0.000% | 0.000% | 50.000% | $XX | $XX |
| 40907398 | xx | xx | xx | xx | xx |  |  | xx | xx | Michigan | xx | $68811.56 | 4.750% | $531.03 | $846.84 | 2024-XX-XX | 2024-XX-XX | 1 | According to the payment history as of xx/XX/????, the borrower has been one month delinquent with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.??, which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 73.800% | 0.000% | 0.000% | 50.000% | $XX | $XX |
| 94608144 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $417556.50 | 3.625% | $2150.74 | $3800.02 | 2024-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 74.600% | 0.000% | 0.000% | 43.900% | $XX | $XX |
| 14474555 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Michigan | xx | $40462.49 | 6.500% | $422.22 | $673.56 | 2024-XX-XX | 2024-XX-XX | 1 | According to the payment history as of xx/XX/????, the borrower has been delinquent for one month, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? (PITI) and was applied to the due date of xx/XX/????. The monthly P&I is $???.??, and the interest rate is ?.???%. The current UPB is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 77.900% | 0.000% | 0.000% | 58.700% | $XX | $XX |
| 91389706 | xx | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $263155.36 | 2.750% | $1238.21 | $1583.05 | 2024-XX-XX | 2025-XX-XX | 0 | According to the review of payment history as of xx/XX/????, the borrower is current with the loan, and the next due date of payment is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which applied for xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 79.800% | 0.000% | 0.000% | 54.800% | $XX | $XX |
| 27514862 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | $151516.14 | 2.625% | $690.16 | $1057.97 | 2024-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 77.800% | 0.000% | 0.000% | 49.300% | $XX | $XX |
| 33396894 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $448070.15 | 6.875% | $2956.18 | $3365.64 | 2024-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 17.200% | 0.000% | 0.000% | 34.300% | $XX | $XX |
| 20657382 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Utah | xx | $531689.42 | 5.125% | $2618.03 | $3155.14 | 2024-XX-XX | 2024-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $?,???.??, and the interest rate is ?.???%.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 61.200% | 0.000% | 0.000% | 41.700% | $XX | $XX |
| 39714037 | xx | xx | xx | xx | xx |  |  | xx | xx | California | xx | $212108.71 | 3.750% | $1042.01 | $1695.90 | 2025-XX-XX | 2025-XX-XX | 0 | According to the review of payment history as of xx/XX/????, the borrower is current with the loan and the next due date of payment is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which applied for xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 71.600% | 0.000% | 0.000% | 59.600% | $XX | $XX |
| 68629084 | xx | xx | xx | xx | xx |  |  | xx | xx | California | xx | $408361.36 | 4.750% | $2217.00 | $3121.01 | 2024-XX-XX | 2025-XX-XX | 0 | According to the review of payment history as of xx/XX/????, the borrower is current with the loan, and the next due date of payment is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which applied for xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The UPB is $???,???.??. As per the comment dated xx/XX/????, the borrower has made the payment of $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 72.800% | 0.000% | 0.000% | 69.100% | $XX | $XX |
| 37910080 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | $539684.79 | 4.875% | $3004.66 | $3939.40 | 2024-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??.  | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 74.000% | 0.000% | 0.000% | 50.000% | $XX | $XX |
| 63725350 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | $446963.42 | 4.500% | $2260.83 | $3116.71 | 2025-XX-XX | 2025-XX-XX | 0 | According to the review of payment history as of xx/XX/????, the borrower is current with the loan and the next due date of payment is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which applied for xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 79.900% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 70640905 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | $674130.93 | 5.000% | $3757.75 | $5011.09 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per tape data is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 79.200% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 8776094 | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $288697.02 | 5.990% | $1786.54 | $2466.86 | 2024-XX-XX | 2025-XX-XX | 0 | According to the review of payment history as of xx/XX/????, the borrower is current with the loan, and the next due date of payment is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which applied for xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 74.800% | 0.000% | 0.000% | 50.000% | $XX | $XX |
| 39230663 | xx | xx | xx | xx | xx |  |  | xx | xx | Virginia | xx | $247192.11 | 5.250% | $1416.99 | $1658.01 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 75.000% | 0.000% | 16.700% | 50.000% | $XX | $XX |
| 52734717 | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $347749.20 | 6.990% | $2320.89 | $2758.11 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI) and was applied to the due date of xx/XX/????. The monthly P&I is $?,???.??, and the interest rate is ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 21.800% | 0.000% | 0.000% | 43.600% | $XX | $XX |
| 75447857 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | $386380.09 | 7.375% | $2686.73 | $3098.06 | 2024-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 29.800% | 0.000% | 0.000% | 51.300% | $XX | $XX |
| 11136951 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $229042.40 | 7.375% | $1588.55 | $2230.09 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan. The last payment was received on xx/XX/????, which was applied for the due date of xx/XX/???? and the next due date for payment is xx/XX/????. The P&I is $?,???.?? and PITI is $?,???.??. The UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 21.000% | 0.000% | 16.700% | 41.900% | $XX | $XX |
| 69264384 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | $335761.06 | 6.625% | $2165.53 | $2575.62 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 33.300% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 56453026 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Missouri | xx | $179034.69 | 6.625% | $1155.76 | $1705.17 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 37.500% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 3681984 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | $739902.87 | 6.875% | $4864.72 | $5463.21 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 0.000% | 16.700% | 8.300% | $XX | $XX |
| 15925711 | xx | xx | xx | xx | xx |  |  | xx | xx | North Dakota | xx | $125847.30 | 6.490% | $1185.26 | $1185.26 | 2025-XX-XX | 2025-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $?,???.?? and the interest rate is ?.???%.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 56.200% | 0.000% | 28.100% | 98.400% | $XX | $XX |
| 10104614 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Nevada | xx | $579729.80 | 6.875% | $3838.11 | $4496.37 | 2025-XX-XX | 2025-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $?,???.??, and the interest rate is ?.???%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 37.500% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 44502892 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $248416.26 | 6.375% | $3314.31 | $4103.64 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 316.100% | 0.000% | 16.700% | 606.800% | $XX | $XX |
| 68959586 | xx | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $128933.35 | 5.990% | $786.07 | $786.07 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 70.800% | 0.000% | 0.000% | 50.000% | $XX | $XX |
| 45235771 | xx | xx | xx | xx | xx |  |  | xx | xx | Wyoming | xx | $169141.03 | 7.490% | $1189.84 | $1395.40 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 37.500% | 0.000% | 16.700% | 58.400% | $XX | $XX |
| 7899777 | xx | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $512701.67 | 6.875% | $3416.03 | $3768.26 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan. The last payment was received on xx/XX/????, which was applied for the due date of xx/XX/???? and the next due date for payment is xx/XX/????. The P&I is $?,???.?? and PITI is $?,???.??. The UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 66.400% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 25549319 | xx | xx | xx | xx | xx |  |  | xx | xx | South Carolina | xx | $118940.25 | 6.750% | $778.32 | $1013.22 | 2025-XX-XX | 2025-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $???.?? and the interest rate is ?.???%.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 43.100% | 0.000% | 0.000% | 60.600% | $XX | $XX |
| 89891120 | xx | xx | xx | xx | xx |  |  | xx | xx | Nevada | xx | $490176.54 | 7.625% | $3477.04 | $3962.10 | 2025-XX-XX | 2025-XX-XX | 0 | As per the review of payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 12.500% | 0.000% | 16.700% | 25.000% | $XX | $XX |
| 97181887 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $412837.82 | 5.990% | $2474.99 | $3225.16 | 2025-XX-XX | 2025-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $?,???.?? and the interest rate is ?.???%.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 0.000% | 16.700% | 8.300% | $XX | $XX |
| 64346046 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $104592.82 | 6.000% | $628.34 | $923.65 | 2025-XX-XX | 2025-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $???.?? and the interest rate is ?.???%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 8.300% | 0.000% | 16.700% | 16.700% | $XX | $XX |
| 39822507 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | $145000.00 | 6.125% | $881.04 |  | 2025-XX-XX | 2025-XX-XX | 0 | The loan was originated on xx/XX/???? and the first payment is due on xx/XX/????. According to payment history as of xx/XX/????, the next due date is xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 97933610 | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $695086.62 | 7.375% | $4834.73 | $4834.73 | 2025-XX-XX | 2025-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/????, in the amount of $?,???.??, which was applied to the due date of xx/XX/????. The current interest rate is ?.???%, and P&I is $?,???.??. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 37.500% | 0.000% | 0.000% | 58.300% | $XX | $XX |
| 61778906 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | $334951.25 | 7.000% | $2245.40 | $3168.80 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.??, and the interest rate is ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 36.800% | 0.000% | 16.700% | 57.400% | $XX | $XX |
| 47799957 | xx | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $157664.23 | 6.625% | $1042.49 | $1536.61 | 2025-XX-XX | 2025-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $?,???.?? and the interest rate is ?.???%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 78.500% | 0.000% | 16.700% | 56.600% | $XX | $XX |
| 2749149 | xx | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $531827.94 | 6.875% | $3517.85 | $4276.31 | 2025-XX-XX | 2025-XX-XX | 0 | As per the review of payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 33.300% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 26832236 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $301069.28 | 6.125% | $1861.34 |  | 2025-XX-XX | 2025-XX-XX | 0 | The loan was originated on xx/XX/???? with the first payment date of xx/XX/????. According to the latest payment history as of xx/XX/????, the next due date is xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $?,???.?? and the interest rate is ?.???%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 28488966 | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $472709.23 | 3.500% | $1841.89 | $2694.42 | 2025-XX-XX | 2025-XX-XX | 0 | According to the review of payment history as of xx/XX/????, the borrower is current with the loan, and the next due date of payment is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which applied for xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 33.800% | 0.000% | 16.700% | 50.000% | $XX | $XX |
| 33837192 | xx | xx | xx | xx | xx |  |  | xx | xx | Virginia | xx | $310145.07 | 6.990% | $2063.01 | $2364.46 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 0.000% | 16.700% | 8.300% | $XX | $XX |
| 64784696 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $298990.96 | 6.625% | $2765.69 | $3807.25 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 58.800% | 0.000% | 16.700% | 57.400% | $XX | $XX |
| 30230350 | xx | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $651168.43 | 4.875% | $3128.05 | $3755.35 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.?? and the deferred balance is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 78.900% | 0.000% | 16.700% | 58.200% | $XX | $XX |
| 43667522 | xx | xx | xx | xx | xx |  |  | xx | xx | Wisconsin | xx | $105000.00 | 8.625% | $816.68 |  | 2025-XX-XX | 2025-XX-XX | 0 | The loan was originated on xx/XX/???? with the first payment date of xx/XX/????. According to the latest payment history as of xx/XX/????, the next due date is xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $???.?? and interest rate is ?.?????%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 71172870 | xx | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $250468.06 | 7.500% | $1793.49 | $2016.45 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 79.000% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 92103140 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | $351442.41 | 3.875% | $1750.92 | $1981.67 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 81.200% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 61403181 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | $273339.46 | 6.375% | $1748.46 | $2005.65 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 81.000% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 96669807 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $420575.78 | 2.875% | $1879.46 | $2552.38 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 78.600% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 14855989 | xx | xx | xx | xx | xx |  |  | xx | xx | Missouri | xx | $89279.45 | 4.625% | $566.58 | $948.30 | 2025-XX-XX | 2025-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.??, which was applied to the due date of xx/XX/????. The unpaid principal balance is $??,???.??. The current P&I is $???.??, and the interest rate is ?.???%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 74.800% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 988077 | xx | xx | xx | xx | xx |  |  | xx | xx | Indiana | xx | $62441.85 | 4.625% | $385.60 | $721.48 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.??, which was applied to the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 77.800% | 0.000% | 17.300% | 59.500% | $XX | $XX |
| 64144580 | xx | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $114042.46 | 4.500% | $667.30 | $1060.68 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??.<br> As per the servicing comment dated xx/XX/????, the servicer deferred payments in the amount of $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 76.100% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 71184043 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | $206366.77 | 3.750% | $1126.21 | $1492.95 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.??%.The current UPB reflected as per the payment history is $???,???.??.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 76.700% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 38116687 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $264771.80 | 2.875% | $1198.21 | $2112.12 | 2025-XX-XX | 2025-XX-XX | 0 | As per the payment history as of xx/XX/????, the borrower is current, and the next payment is due for xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for xx/XX/????. The current P&I is $?,???.??, and the interest rate is ?.???%. The UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 87.200% | 0.000% | 16.700% | 59.800% | $XX | $XX |
| 75606622 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $291956.32 | 6.125% | $2112.97 | $2971.62 | 2025-XX-XX | 2025-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $?,???.??, and the interest rate is ?.???%.<br> PH shows an additional payment in the total amount of $??,???.?? in Jan-??, Nov-??, Dec-??, Aug-??, Oct-??, and Nov-??. CC shows the same amount paid by BWR. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 103.200% | 0.000% | 16.700% | 86.400% | $XX | $XX |
| 67403414 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | $199970.45 | 4.500% | $1317.38 | $1678.22 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 76.900% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 1665308 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | $271075.55 | 4.500% | $1736.92 | $2251.27 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 78.600% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 16766881 | xx | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $220523.30 | 3.375% | $1053.96 | $1307.61 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 74.300% | 0.000% | 16.700% | 59.000% | $XX | $XX |
| 3736510 | xx | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $148256.23 | 4.125% | $775.44 | $1081.36 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 78.200% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 76225032 | xx | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $214783.51 | 3.750% | $1130.00 | $1466.85 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 84.600% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 18155342 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $326390.67 | 3.750% | $1597.75 | $1975.41 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.??%.The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 79.800% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 59569001 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | $79697.90 | 3.125% | $527.78 | $878.13 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.??, which was applied to the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 86.100% | 0.000% | 16.700% | 58.500% | $XX | $XX |
| 23668793 | xx | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $284471.16 | 5.375% | $1656.67 | $2092.56 | 2025-XX-XX | 2025-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $?,???.??, and the interest rate is ?.???%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 77.700% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 35229657 | xx | xx | xx | xx | xx |  |  | xx | xx | New Mexico | xx | $138988.23 | 4.500% | $746.09 | $1129.27 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????.The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $???.?? with an interest rate of ?.???%.The current UPB reflected as per the payment history is $???,???.??.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 78.200% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 33895961 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $333600.66 | 3.750% | $1630.17 | $2337.23 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied to the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 71.200% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 30670129 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $290489.72 | 4.125% | $1478.18 | $1923.13 | 2025-XX-XX | 2025-XX-XX | 0 | As per the review of payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 77.600% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 39227046 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Nebraska | xx | $159887.07 | 7.750% | $1146.26 | $1610.10 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied to the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 0.000% | 16.700% | 8.300% | $XX | $XX |
| 11449265 | xx | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $274466.78 | 7.990% | $2018.90 | $2579.49 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied to the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 20.800% | 0.000% | 16.700% | 41.700% | $XX | $XX |
| 47185490 | xx | xx | xx | xx | xx |  |  | xx | xx | Arkansas | xx | $161571.79 | 8.125% | $1202.85 | $1490.03 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??(PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 16.700% | 0.000% | 50.000% | 33.300% | $XX | $XX |
| 39781543 | xx | xx | xx | xx | xx |  |  | xx | xx | South Carolina | xx | $297023.00 | 6.875% | $1951.23 |  | 2025-XX-XX | 2025-XX-XX | 0 | The loan was originated on xx/XX/????, and the first payment date is xx/XX/????. As per the payment history as of xx/XX/????, the next due date is xx/XX/????, and the current UPB is $???,???.??. The current P&I is $?,???.??, and the interest rate is ?.???%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 96703207 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $168517.69 | 6.990% | $1130.54 | $1507.49 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 45.600% | 0.000% | 49.900% | 74.700% | $XX | $XX |
| 74439960 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | $215609.33 | 7.990% | $1596.25 | $1810.03 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?.???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 58.300% | 0.000% | 50.000% | 75.000% | $XX | $XX |
| 98630584 | xx | xx | xx | xx | xx |  |  | xx | xx | Virginia | xx | $310896.54 | 2.625% | $1090.82 | $1649.36 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was made on xx/XX/???? in the amount of $?,???.??, which was applied to the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 92.300% | 0.000% | 50.000% | 76.700% | $XX | $XX |
| 88964286 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $234352.91 | 7.124% | $1586.45 | $2097.46 | 2025-XX-XX | 2025-XX-XX | 0 | As per the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI) which was applied for the due date of xx/XX/????. The current P&I is $?,???.??, and the interest rate is ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 25.000% | 0.000% | 33.300% | 50.000% | $XX | $XX |
| 80157634 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $58703.10 | 10.500% | $537.41 | $537.41 | 2025-XX-XX | 2025-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.??, which was applied to the due date of xx/XX/????. The unpaid principal balance is $??,???.??. The current P&I is $???.??, and the interest rate is ??.???%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 8.300% | 0.000% | 33.300% | 16.700% | $XX | $XX |
| 47458590 | xx | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | $171281.67 | 6.500% | $1085.58 | $1428.30 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 12.500% | 0.000% | 16.700% | 25.000% | $XX | $XX |
| 31097065 | xx | xx | xx | xx | xx |  |  | xx | xx | Arkansas | xx | $9142.94 | 5.500% | $101.80 | $101.80 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $?,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 16.700% | 0.000% | 33.400% | 33.300% | $XX | $XX |
| 35142105 | xx | xx | xx | xx | xx |  |  | xx | xx | Arkansas | xx | $11037.44 | 5.500% | $122.09 | $122.09 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.??, which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 12.500% | 0.000% | 16.700% | 25.000% | $XX | $XX |
| 31059726 | xx | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $111931.85 | 8.500% | $1365.03 | $1525.58 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 0.000% | 16.700% | 8.300% | $XX | $XX |
| 26370143 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $333942.09 | 6.875% | $2217.13 | $2916.99 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 50.300% | 0.000% | 16.700% | 66.900% | $XX | $XX |
| 51351759 | xx | xx | xx | xx | xx |  |  | xx | xx | Colorado | xx | $251785.25 | 2.750% | $1120.21 | $1733.00 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??.<br> As per the modification dated xx/XX/????, the deferred amount is $??,???.??.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 72.400% | 0.000% | 33.300% | 66.700% | $XX | $XX |
| 11724356 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $160971.56 | 6.750% | $1045.86 | $1503.48 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied on xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 8.300% | 0.000% | 16.700% | 16.700% | $XX | $XX |
| 75495172 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | $427291.12 | 3.250% | $1603.34 | $2187.39 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is currently ?? month delinquent with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 39.100% | 0.000% | 16.700% | 50.500% | $XX | $XX |
| 96088177 | xx | xx | xx | xx | xx |  |  | xx | xx | Montana | xx | $36842.69 | 6.500% | $333.20 | $538.52 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 39.400% | 0.000% | 35.000% | 70.000% | $XX | $XX |
| 55457130 | xx | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $153956.58 | 7.750% | $1127.63 | $1508.05 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 20.000% | 0.000% | 33.300% | 39.900% | $XX | $XX |
| 57515347 | xx | xx | xx | xx | xx |  |  | xx | xx | South Carolina | xx | $93300.80 | 8.000% | $687.90 | $802.29 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.??, which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $??,???.??‬. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 29.200% | 0.000% | 33.300% | 58.300% | $XX | $XX |
| 24031746 | xx | xx | xx | xx | xx |  |  | xx | xx | California | xx | $78243.79 | 10.875% | $749.13 | $749.13 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $???.?? with an interest rate of ??.???%. The current UPB reflected as per the payment history is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 30.600% | 0.000% | 37.800% | 61.100% | $XX | $XX |
| 73985725 | xx | xx | xx | xx | xx |  |  | xx | xx | Massachusetts | xx | $494470.81 | 5.625% | $2849.50 | $3378.67 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 0.000% | 16.700% | 8.300% | $XX | $XX |
| 35599750 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Virginia | xx | $347088.91 | 6.875% | $2289.86 | $2807.35 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 20.800% | 0.000% | 33.300% | 41.700% | $XX | $XX |
| 63990653 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $348513.00 | 6.125% | $2117.60 |  | 2025-XX-XX | 2025-XX-XX | 0 | The loan was originated on xx/XX/????, and the first payment date is xx/XX/????. As per the review of the seller's tape data as of xx/XX/????, the next due date is xx/XX/????. As per the tape, the current P&I is $?,???.??, and the interest rate is ?.???%. The UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 2208067 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $135000.00 | 5.750% | $787.82 | $787.82 | 2025-XX-XX | 2025-XX-XX | 0 | The loan was originated on xx/XX/????, and the first pay date is xx/XX/????. As per the seller's tape as of xx/XX/????, the next due date is xx/XX/????. As per the tape, the current P&I is $???.??, and the interest rate is ?.??%. The UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 47839814 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $364491.78 | 6.875% | $2398.49 | $3334.47 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 8.300% | 0.000% | 16.700% | 16.700% | $XX | $XX |
| 41558848 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $374211.04 | 7.000% | $2496.55 | $3390.48 | 2025-XX-XX | 2025-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $?,???.??, and the interest rate is ?.???%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 12.600% | 0.000% | 33.300% | 25.300% | $XX | $XX |
| 58437871 | xx | xx | xx | xx | xx |  |  | xx | xx | Washington D.C. | xx | $300483.36 | 3.990% | $1537.81 | $1945.90 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 78.600% | 0.000% | 16.700% | 58.400% | $XX | $XX |
| 78938505 | xx | xx | xx | xx | xx |  |  | xx | xx | Alaska | xx | $604411.31 | 3.562% | $2896.08 | $3899.21 | 2025-XX-XX | 2025-XX-XX | 0 | As per the review of payment history as of xx/XX/????, the borrower is current with the loan and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 75.000% | 0.000% | 16.700% | 57.100% | $XX | $XX |
| 26507839 | xx | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $141061.23 | 3.990% | $715.57 | $1346.63 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 97.100% | 0.000% | 16.700% | 66.700% | $XX | $XX |
| 1093204 | xx | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $98600.98 | 6.990% | $717.80 | $858.79 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $??,???.??. The PH shows a large principal curtailment in the total amount of $?,???.?? on xx/XX/????. As per the collection comment dated xx/XX/????, this is BWR made payments. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 95.400% | 0.000% | 0.000% | 58.700% | $XX | $XX |
| 70327949 | xx | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $299077.44 | 3.250% | $1452.90 | $1687.29 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI) which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 79.600% | 0.000% | 16.700% | 58.100% | $XX | $XX |
| 19589047 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $420845.84 | 5.875% | $2294.95 | $3333.84 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.?? and the deferred balance is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 63.400% | 0.000% | 16.700% | 58.200% | $XX | $XX |
| 23210895 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | $960911.19 | 7.000% | $6414.18 | $7195.66 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 16.700% | 0.000% | 16.700% | 33.300% | $XX | $XX |
| 44288882 | xx | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $202716.06 | 6.625% | $1332.87 | $1674.72 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 43.900% | 0.000% | 16.700% | 78.900% | $XX | $XX |
| 11709207 | xx | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $136335.05 | 3.990% | $697.38 | $1105.77 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 80.200% | 0.000% | 16.700% | 58.900% | $XX | $XX |
| 19097220 | xx | xx | xx | xx | xx |  |  | xx | xx | South Carolina | xx | $226759.84 | 3.875% | $1123.87 | $1445.06 | 2025-XX-XX | 2025-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $?,???.??, and the interest rate is ?.???%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 75.900% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 30846398 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $232990.15 | 3.990% | $1200.92 | $1837.50 | 2025-XX-XX | 2025-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $?,???.??, and the interest rate is ?.???%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 78.600% | 0.000% | 16.700% | 58.400% | $XX | $XX |
| 43782795 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $287177.75 | 3.875% | $1422.47 | $1909.33 | 2025-XX-XX | 2025-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $?,???.??, and the interest rate is ?.???%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 85.400% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 56869766 | xx | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $113364.62 | 5.375% | $844.25 | $1260.60 | 2025-XX-XX | 2025-XX-XX | 0 | As per the payment history as of xx/XX/????, the borrower is current with the loan and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied on xx/XX/????. The current P&I is $?,???.?? and interest rate is ?.???%. The UPB is reflected in the amount of $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 81.900% | 0.000% | 18.000% | 64.400% | $XX | $XX |
| 8344106 | xx | xx | xx | xx | xx |  |  | xx | xx | Virginia | xx | $263463.96 | 3.875% | $1345.58 | $1727.03 | 2025-XX-XX | 2025-XX-XX | 0 | As per the review of payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB, reflected as per payment history, is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 96.600% | 0.000% | 18.600% | 71.300% | $XX | $XX |
| 97942943 | xx | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $391105.46 | 3.990% | $1966.96 | $2357.81 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 77.600% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 63156292 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $395579.41 | 4.937% | $2206.53 | $3042.20 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI) which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 84.700% | 0.000% | 16.700% | 67.900% | $XX | $XX |
| 30782055 | xx | xx | xx | xx | xx |  |  | xx | xx | Virginia | xx | $295310.64 | 4.125% | $1527.86 | $1985.21 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 84.900% | 0.000% | 18.900% | 63.200% | $XX | $XX |
| 64789089 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $351510.94 | 3.500% | $1706.37 | $3150.25 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 74.900% | 0.000% | 16.700% | 67.200% | $XX | $XX |
| 38653527 | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $218768.68 | 4.620% | $1046.40 | $1500.00 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 79.400% | 0.000% | 16.700% | 58.800% | $XX | $XX |
| 6295501 | xx | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $412353.12 | 3.990% | $2073.82 | $2073.82 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI) which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 79.200% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 98375588 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $212050.91 | 4.250% | $1095.92 | $1758.99 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 73.500% | 0.000% | 0.000% | 50.000% | $XX | $XX |
| 92903049 | xx | xx | xx | xx | xx |  |  | xx | xx | Missouri | xx | $97659.41 | 4.250% | $518.94 | $771.49 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 94.400% | 0.000% | 20.200% | 72.100% | $XX | $XX |
| 95510256 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $1767773.63 | 6.375% | $11069.95 | $13634.38 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $??,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $??,???.?? with an interest rate of ?.???%. The current UPB is $?,???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 16.700% | 0.000% | 16.700% | 33.300% | $XX | $XX |
| 19599441 | xx | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $772143.59 | 6.990% | $5153.32 | $5648.85 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI) which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 20.800% | 0.000% | 16.700% | 41.700% | $XX | $XX |
| 75443374 | xx | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $321509.39 | 3.875% | $1596.22 | $2064.87 | 2025-XX-XX | 2025-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $?,???.??, and the interest rate is ?.???%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 77.200% | 0.000% | 33.300% | 68.200% | $XX | $XX |
| 21199405 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | $424963.05 | 3.560% | $2058.93 | $2879.31 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 78.900% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 67797513 | xx | xx | xx | xx | xx |  |  | xx | xx | Maine | xx | $170553.00 | 3.990% | $858.31 | $1426.89 | 2025-XX-XX | 2025-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $???.??, and the interest rate is ?.???%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 82.800% | 0.000% | 16.700% | 66.700% | $XX | $XX |
| 61933111 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $229248.16 | 4.125% | $1177.70 | $1873.31 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 73.000% | 0.000% | 16.700% | 50.000% | $XX | $XX |
| 67046589 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $197210.82 | 6.625% | $1280.62 | $1938.85 | 2025-XX-XX | 2025-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $?,???.??, and the interest rate is ?.???%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 43.700% | 0.000% | 16.700% | 62.500% | $XX | $XX |
| 96005222 | xx | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | $193251.00 | 7.562% | $1370.00 | $1822.39 | 2025-XX-XX | 2025-XX-XX | 0 | As per the review of payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 37.200% | 0.000% | 17.400% | 58.200% | $XX | $XX |
| 14031271 | xx | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $608893.75 | 5.375% | $3546.02 | $4047.67 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan. The last payment was received on xx/XX/????, which was applied for the due date of xx/XX/???? and the next due date for payment is xx/XX/????. The P&I is $?,???.?? and PITI is $?,???.??. The UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 74.800% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 25946824 | xx | xx | xx | xx | xx |  |  | xx | xx | Louisiana | xx | $134646.07 | 3.990% | $679.50 | $2446.08 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 70.000% | 0.000% | 17.000% | 50.600% | $XX | $XX |
| 32374480 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Alabama | xx | $534320.10 | 3.875% | $2697.99 | $3377.86 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan. The last payment was received on xx/XX/????, which was applied for the due date of xx/XX/???? and the next due date for payment is xx/XX/????. The P&I is $?,???.?? and PITI is $?,???.??. The UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 79.500% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 75578199 | xx | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $700702.62 | 3.500% | $3333.71 | $3730.12 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 81.600% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 13508918 | xx | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $453841.91 | 3.875% | $2257.14 | $2584.02 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 78.100% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 81655152 | xx | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $268624.66 | 6.625% | $1920.93 | $2271.97 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??.<br> The PH shows a large principal-only payment in the month of June ???? and July ???? in the amount of $??,???.??. As per the comments dated xx/XX/????, xx/XX/????, xx/XX/????, xx/XX/????, and xx/XX/????, these are the BWR made payments. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 81.400% | 0.000% | 16.700% | 126.000% | $XX | $XX |
| 42201238 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $273450.72 | 3.990% | $1372.91 | $1890.87 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????.The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 79.500% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 12623465 | xx | xx | xx | xx | xx |  |  | xx | xx | South Carolina | xx | $334715.02 | 5.250% | $1856.88 | $2007.38 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 16.700% | 0.000% | 0.000% | 33.300% | $XX | $XX |
| 15778929 | xx | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | $295285.90 | 3.625% | $1436.56 | $1947.69 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 79.800% | 0.000% | 18.800% | 39.400% | $XX | $XX |
| 80688425 | xx | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $377928.97 | 3.687% | $1833.60 | $2245.98 | 2025-XX-XX | 2025-XX-XX | 0 | As per the payment history as of xx/XX/????, the borrower is current with the loan and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied on xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 81.000% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 36396010 | xx | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $274425.33 | 3.125% | $1037.33 | $1862.66 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 74.500% | 0.000% | 0.000% | 50.000% | $XX | $XX |
| 24180614 | xx | xx | xx | xx | xx |  |  | xx | xx | Washington | xx | $185847.24 | 6.990% | $1236.21 | $1529.32 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 0.000% | 16.700% | 8.300% | $XX | $XX |
| 2497079 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Alabama | xx | $262291.16 | 3.937% | $1309.07 | $1771.40 | 2025-XX-XX | 2025-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/????, in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current interest rate is ?.???%, and P&I is $?,???.??. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 79.500% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 90784868 | xx | xx | xx | xx | xx |  |  | xx | xx | Missouri | xx | $94152.15 | 4.875% | $521.59 | $895.57 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 79.700% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 28063788 | xx | xx | xx | xx | xx |  |  | xx | xx | Alabama | xx | $141369.09 | 4.250% | $741.60 | $922.23 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on ?xx/XX/????, in the amount of $???.??, which was applied for the due date of xx/XX/????. The current interest rate is ?.???%, and P&I is $???.??. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 88.700% | 0.000% | 19.900% | 69.600% | $XX | $XX |
| 12468453 | xx | xx | xx | xx | xx |  |  | xx | xx | Alabama | xx | $92666.10 | 4.500% | $501.62 | $873.01 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 74.600% | 0.000% | 18.300% | 59.600% | $XX | $XX |
| 38617903 | xx | xx | xx | xx | xx |  |  | xx | xx | Alabama | xx | $115987.91 | 4.250% | $608.78 | $789.37 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 94.700% | 0.000% | 19.200% | 67.100% | $XX | $XX |
| 67512387 | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $495484.65 | 4.375% | $2596.28 | $3773.41 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date of payment is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which applied for xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 73.700% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 54854613 | xx | xx | xx | xx | xx |  |  | xx | xx | Rhode Island | xx | $395958.33 | 3.625% | $1599.04 | $2802.43 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 74.700% | 0.000% | 16.700% | 57.800% | $XX | $XX |
| 99451946 | xx | xx | xx | xx | xx |  |  | xx | xx | Alabama | xx | $112678.15 | 4.375% | $599.14 | $840.99 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 82.600% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 14639191 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | $343805.04 | 4.875% | $1905.15 | $2236.77 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 88.100% | 0.000% | 33.300% | 66.900% | $XX | $XX |
| 95029036 | xx | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $230496.93 | 5.625% | $1367.18 | $1735.51 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 79.300% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 39534506 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $128005.72 | 4.750% | $782.47 | $1492.03 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 78.400% | 0.000% | 16.700% | 58.300% | $XX | $XX |
| 63422904 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $395513.79 | 3.990% | $1983.65 | $3062.15 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI) which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 80.900% | 0.000% | 16.700% | 61.000% | $XX | $XX |
| 3278802 | xx | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | $332494.46 | 7.125% | $2252.91 | $2774.62 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI) which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.?????%. The current UPB reflected as per the payment history $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 29.200% | 0.000% | 33.300% | 58.300% | $XX | $XX |
| 11224340 | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $496673.87 | 6.625% | $3227.17 | $3227.17 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 52.300% | 36.400% | 72.900% | 88.000% | $XX | $XX |
| 15351240 | xx | xx | xx | xx | xx |  |  | xx | xx | California | xx | $998468.80 | 5.875% | $8538.61 | $10021.28 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan. The last payment was received on xx/XX/????, which was applied for the due date of xx/XX/???? and the next due date for payment is xx/XX/????. The P&I is $?,???.?? and PITI is $??,???.??. The UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 25.000% | 0.000% | 33.300% | 50.000% | $XX | $XX |
| 82382193 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $345642.96 | 7.000% | $2305.27 | $3269.47 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan. The last payment was received on xx/XX/????, which was applied for the due date of xx/XX/???? and the next due date for payment is xx/XX/????. The P&I is $?,???.?? and PITI is $?,???.??. The UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 12.500% | 0.000% | 33.300% | 25.000% | $XX | $XX |
| 57547016 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $355935.69 | 6.625% | $2281.11 | $3277.78 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 0.000% | 16.700% | 8.300% | $XX | $XX |
| 39717554 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | $259909.94 | 7.500% | $1843.30 | $2379.28 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 73.100% | 0.000% | 33.300% | 66.600% | $XX | $XX |
| 96571614 | xx | xx | xx | xx | xx |  |  | xx | xx | Nevada | xx | $342854.59 | 6.750% | $2264.90 | $2704.94 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 82.900% | 0.000% | 50.000% | 74.900% | $XX | $XX |
| 42272613 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $370235.73 | 6.000% | $2267.10 | $4404.05 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 55.700% | 0.000% | 43.900% | 53.500% | $XX | $XX |
| 15517971 | xx | xx | xx | xx | xx |  |  | xx | xx | Virginia | xx | $195550.03 | 7.500% | $1376.62 | $1671.77 | 2025-XX-XX | 2025-XX-XX | 0 | As per the review of payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The UPB reflected in the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 33.700% | 0.000% | 33.900% | 67.300% | $XX | $XX |
| 71489390 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $295504.93 | 6.990% | $1977.28 | $2860.94 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??(PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 33.300% | 0.000% | 33.300% | 66.700% | $XX | $XX |
| 52854461 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $367801.20 | 3.875% | $1829.22 | $2718.52 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), and was applied to the due date of xx/XX/????. The monthly P&I is $?,???.??, and the interest rate is ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 86.700% | 0.000% | 50.000% | 75.000% | $XX | $XX |
| 69527793 | xx | xx | xx | xx | xx |  |  | xx | xx | South Carolina | xx | $299627.03 | 3.375% | $1432.39 | $2442.59 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 81.500% | 0.000% | 33.300% | 66.700% | $XX | $XX |
| 88098992 | xx | xx | xx | xx | xx |  |  | xx | xx | Colorado | xx | $576907.60 | 5.750% | $3406.75 | $4155.36 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 37.500% | 0.000% | 33.300% | 66.700% | $XX | $XX |
| 33503278 | xx | xx | xx | xx | xx |  |  | xx | xx | Colorado | xx | $150254.22 | 6.500% | $957.67 | $1217.20 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), and was applied to the due date of xx/XX/????. The monthly P&I is $???.??, and the interest rate is ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 41.500% | 0.000% | 33.300% | 83.000% | $XX | $XX |
| 75156663 | xx | xx | xx | xx | xx |  |  | xx | xx | Arkansas | xx | $334805.07 | 6.625% | $2159.45 | $2716.43 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??(PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 33.400% | 0.000% | 50.100% | 66.700% | $XX | $XX |
| 8869439 | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $418990.11 | 6.500% | $3661.92 | $3661.92 | 2025-XX-XX | 2025-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied to the due date of xx/XX/????. The unpaid principal balance is $???,???.??. The current P&I is $?,???.??, and the interest rate is ?.???%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 0.000% | 16.700% | 8.300% | $XX | $XX |
| 34222673 | xx | xx | xx | xx | xx |  |  | xx | xx | Missouri | xx | $334739.67 | 6.375% | $2090.28 | $2323.56 | 2025-XX-XX | 2025-XX-XX | 0 | As per the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied on xx/XX/????. The current P&I is $?,???.?? and the interest rate is ?.???%. The UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 0.000% | 16.700% | 8.300% | $XX | $XX |
| 65736753 | xx | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $315341.29 | 4.990% | $1697.05 | $1831.97 | 2025-XX-XX | 2025-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/????, in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 12.500% | 0.000% | 33.300% | 25.000% | $XX | $XX |
| 13151485 | xx | xx | xx | xx | xx |  |  | xx | xx | Colorado | xx | $512218.11 | 4.990% | $2759.94 | $3180.15 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 16.700% | 0.000% | 50.000% | 33.300% | $XX | $XX |
| 83137599 | xx | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $293871.57 | 6.250% | $1816.37 | $3319.79 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 16.700% | 0.000% | 33.300% | 33.300% | $XX | $XX |
| 53571136 | xx | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | $216319.60 | 6.950% | $1452.02 | $1765.06 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.??%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 96.500% | 0.000% | 33.300% | 67.500% | $XX | $XX |
| 87625069 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $437640.73 | 6.990% | $2936.01 | $4025.85 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.??%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 45.700% | 0.000% | 33.300% | 66.400% | $XX | $XX |
| 26310222 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $492695.86 | 7.125% | $3335.63 | $4293.78 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI) which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 25.000% | 0.000% | 33.300% | 50.000% | $XX | $XX |
| 57706992 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Alabama | xx | $427051.38 | 6.875% | $2824.79 | $3155.34 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 33.300% | 0.000% | 50.000% | 66.700% | $XX | $XX |
| 20500393 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | $647701.48 | 6.875% | $4285.87 | $4882.96 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 33.300% | 0.000% | 50.000% | 66.700% | $XX | $XX |
| 85842799 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $177400.91 | 6.500% | $1125.40 | $1534.79 | 2025-XX-XX | 2025-XX-XX | 0 | As per the review of payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 16.700% | 0.000% | 33.300% | 33.300% | $XX | $XX |
| 8702064 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Wisconsin | xx | $10068.69 | 6.375% | $142.27 | $142.27 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 79.200% | 0.000% | 33.300% | 66.700% | $XX | $XX |
| 81358413 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Minnesota | xx | $384218.94 | 5.625% | $2296.32 | $2999.60 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 71.300% | 0.000% | 33.300% | 66.800% | $XX | $XX |
| 3478009 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | $513393.39 | 6.500% | $3259.89 | $4704.71 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 20.800% | 0.000% | 33.300% | 41.700% | $XX | $XX |
| 50869863 | xx | xx | xx | xx | xx |  |  | xx | xx | Kansas | xx | $141545.05 | 6.875% | $943.09 | $1353.96 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 59.400% | 0.000% | 34.600% | 64.100% | $XX | $XX |
| 47266896 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Missouri | xx | $359087.47 | 6.875% | $2364.94 | $2364.94 | 2025-XX-XX | 2025-XX-XX | 0 | As per the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 12.500% | 0.000% | 33.300% | 25.000% | $XX | $XX |
| 96750535 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | $561996.83 | 7.990% | $4163.82 | $5446.14 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 60.500% | 0.000% | 50.000% | 73.000% | $XX | $XX |
| 84323873 | xx | xx | xx | xx | xx |  |  | xx | xx | Missouri | xx | $311074.94 | 6.875% | $2046.99 | $2625.73 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI) which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. <br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 8.300% | 0.000% | 16.700% | 16.700% | $XX | $XX |
| 15492106 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | $202905.31 | 6.500% | $1295.74 | $1529.15 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 45.800% | 0.000% | 50.000% | 75.000% | $XX | $XX |
| 3744603 | xx | xx | xx | xx | xx |  |  | xx | xx | Virginia | xx | $417182.00 | 7.990% | $2905.31 | $3734.33 | 2025-XX-XX | 2025-XX-XX | 0 | As per the review of payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. As per the tape data UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 20.800% | 0.000% | 33.300% | 41.700% | $XX | $XX |
| 66766463 | xx | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | $178406.65 | 7.625% | $1274.03 | $1400.00 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???% and the UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 53.200% | 0.000% | 33.300% | 64.700% | $XX | $XX |
| 89610076 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | $289552.84 | 5.625% | $1836.85 | $2400.00 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 84.000% | 0.000% | 50.000% | 75.000% | $XX | $XX |
| 78987039 | xx | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | $355266.09 | 6.490% | $2253.50 | $2465.81 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI) and was applied to the due date of xx/XX/????. The monthly P&I is $?,???.??, and the interest rate is ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 22.200% | 0.000% | 16.700% | 44.400% | $XX | $XX |
| 80469061 | xx | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | $621727.23 | 6.875% | $4087.74 | $5051.64 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 0.000% | 16.700% | 8.300% | $XX | $XX |
| 90363091 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Virginia | xx | $274814.95 | 3.500% | $1078.26 | $1496.82 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied on xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 67.500% | 33.300% | 66.700% | 83.300% | $XX | $XX |
| 85840727 | xx | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $89249.29 | 6.750% | $648.60 | $818.56 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 68.600% | 0.000% | 236.900% | 137.200% | $XX | $XX |
| 71017599 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $198052.76 | 7.000% | $1322.02 | $2112.37 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 16.700% | 0.000% | 50.000% | 33.300% | $XX | $XX |
| 44503647 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Indiana | xx | $377479.16 | 4.500% | $1925.40 | $2393.40 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??(PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 20.800% | 0.000% | 66.700% | 41.700% | $XX | $XX |
| 82048849 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Alabama | xx | $99742.83 | 7.625% | $814.07 | $943.35 | 2025-XX-XX | 2025-XX-XX | 0 | As per the review of payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per payment history is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 8.300% | 0.000% | 33.300% | 16.700% | $XX | $XX |
| 18910160 | xx | xx | xx | xx | xx |  |  | xx | xx | Minnesota | xx | $184200.00 | 7.500% | $1295.29 | $1295.29 | 2025-XX-XX | 2025-XX-XX | 0 | The loan was originated on xx/XX/????, and the first payment is due on xx/XX/????. According to payment history as of xx/XX/????, the next due date is xx/XX/????. The current P&I is $?,???.?? and the interest rate is ?.???%. The current UPB reflected as per the payment history is $???,???.??.<br> PH shows the principal adjustment on xx/XX/???? in the amount of $?,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 3.400% | 0.000% | 13.500% | 6.800% | $XX | $XX |
| 12524526 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $503130.32 | 6.575% | $3237.60 | $4160.31 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??(PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 45.800% | 0.000% | 33.300% | 66.700% | $XX | $XX |
| 30740647 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $227184.93 | 7.750% | $1633.42 | $1633.42 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 20.800% | 0.000% | 33.300% | 41.700% | $XX | $XX |
| 30274828 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $523540.30 | 6.625% | $3422.72 | $3783.80 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 87.100% | 0.000% | 50.000% | 75.000% | $XX | $XX |
| 45707348 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Alabama | xx | $217136.63 | 5.500% | $1243.26 | $1668.52 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 18.800% | 0.000% | 57.100% | 37.600% | $XX | $XX |
| 37380914 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $328232.19 | 7.375% | $2289.59 | $3303.09 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 15.600% | 0.000% | 33.300% | 31.200% | $XX | $XX |
| 74938097 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Louisiana | xx | $297109.70 | 6.750% | $2075.33 | $2542.12 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 52.400% | 0.000% | 192.700% | 104.700% | $XX | $XX |
| 24577866 | xx | xx | xx | xx | xx |  |  | xx | xx | Washington | xx | $430058.02 | 7.250% | $2967.47 | $3486.62 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 57.200% | 0.000% | 49.700% | 73.700% | $XX | $XX |
| 32313554 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | $344984.82 | 4.750% | $2259.23 | $5003.20 | 2024-XX-XX | 2025-XX-XX | 0 | Review of updated payment history as of xx/XX/????, the borrower is current with the loan and next due is for xx/XX/????. The last payment was received on xx/XX/???? in the amount $????.??, which was applied to xx/XX/????. The current UPB is reflecting in the amount of $??????.?? | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 46.000% | 0.000% | 0.000% | 29.500% | $XX | $XX |
| 48819550 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $714079.40 | 7.000% | $4830.10 | $7050.84 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 71.100% | 0.000% | 31.600% | 60.500% | $XX | $XX |
| 20295823 | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $600000.00 | 5.990% | $5059.90 |  | 2025-XX-XX | 2025-XX-XX | 0 | The loan was originated on xx/XX/????, and the first payment date is xx/XX/????. According to payment history tape data as of xx/XX/????, the next due date is xx/XX/????. The current P&I is $?,???.??, and the interest rate is ?.???%. The UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 92014440 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $264578.65 | 7.375% | $1838.92 | $2563.33 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??(PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 25.700% | 0.000% | 52.100% | 51.400% | $XX | $XX |
| 15241506 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | $259870.23 | 7.500% | $1835.44 | $2012.27 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 56.100% | 33.300% | 68.600% | 86.200% | $XX | $XX |
| 17161484 | xx | xx | xx | xx | xx |  |  | xx | xx | California | xx | $538708.96 | 6.125% | $3313.00 | $4135.49 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 50.000% | 33.300% | 66.700% | 83.300% | $XX | $XX |
| 5629975 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $149172.30 | 4.875% | $1199.98 | $2501.39 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 8.300% | 0.000% | 33.300% | 16.700% | $XX | $XX |
| 18701833 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $593320.26 | 7.625% | $4202.53 | $5338.46 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 33.300% | 16.700% | 8.300% | $XX | $XX |
| 22254666 | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $119002.26 | 6.500% | $758.48 | $1338.11 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 36.900% | 0.000% | 49.600% | 73.800% | $XX | $XX |
| 75169659 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $119000.00 | 7.750% | $852.53 |  | 2025-XX-XX | 2025-XX-XX | 0 | The loan was originated on xx/XX/???? with the first payment date of xx/XX/????. As per the payment history as of xx/XX/????, the next due date is xx/XX/????, and the current P&I is $???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 61190697 | xx | xx | xx | xx | xx |  |  | xx | xx | California | xx | $589132.00 | 5.500% | $3345.03 |  | 2025-XX-XX | 2025-XX-XX | 0 | The loan originated on xx/XX/????, and the first payment date is xx/XX/????. According to payment history as of xx/XX/????, the next due date is xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB as per payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 21685947 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $539560.00 | 6.375% | $3366.15 |  | 2025-XX-XX | 2025-XX-XX | 0 | The subject mortgage originated on xx/XX/????, and the first payment date is xx/XX/????. As per the payment history as of xx/XX/????, the next due date is xx/XX/????. The current P&I is $?,???.?? and interest rate is ?.???%. The UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 25954116 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $386911.59 | 7.125% | $2630.53 |  | 2025-XX-XX | 2025-XX-XX | 0 | As per the review of the seller's tape data as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. Details of the last payment received are not available. As per the tape, the current P&I is $?,???.?? and interest rate is ?.???%. The UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 81421778 | xx | xx | xx | xx | xx |  |  | xx | xx | Nevada | xx | $466396.00 | 7.000% | $3102.94 |  | 2025-XX-XX | 2025-XX-XX | 0 | The loan was originated on xx/XX/???? with the first payment date of xx/XX/????. As per the tape as of xx/XX/????, the next due date is xx/XX/????, and the current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 35115211 | xx | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $192684.73 | 6.070% | $1559.00 | $2134.43 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. As per the tape data, there is a deferred amount of $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 88.200% | 33.300% | 62.600% | 85.500% | $XX | $XX |
| 62341034 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $375009.02 | 6.000% | $2320.26 | $3257.72 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 83.800% | 33.300% | 66.200% | 82.400% | $XX | $XX |
| 8177316 | xx | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $57589.24 | 8.000% | $577.66 | $1017.58 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $??,???.??. As per the tape, the deferred amount is $?,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 91.400% | 0.000% | 50.000% | 83.300% | $XX | $XX |
| 93252911 | xx | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $481576.16 | 5.990% | $2957.58 | $3465.95 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 85.700% | 0.000% | 60.800% | 74.000% | $XX | $XX |
| 63149668 | xx | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $306231.69 | 5.990% | $1940.59 | $2242.57 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 96.600% | 33.300% | 64.500% | 79.000% | $XX | $XX |
| 28810295 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Maine | xx | $80276.91 | 4.375% | $550.94 | $716.63 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower has been current with the loan and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.????%. The current UPB reflected as per the payment history is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 90.900% | 33.300% | 66.700% | 83.300% | $XX | $XX |
| 33411757 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $278064.18 | 7.500% | $1985.77 | $1985.77 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on ?xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 91.700% | 0.000% | 50.000% | 83.300% | $XX | $XX |
| 51527259 | xx | xx | xx | xx | xx |  |  | xx | xx | Virginia | xx | $176894.99 | 5.750% | $1094.20 | $1313.07 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 113.800% | 38.400% | 78.500% | 101.900% | $XX | $XX |
| 57709570 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $294146.59 | 5.750% | $1785.73 | $2445.45 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 96.100% | 33.500% | 80.100% | 103.400% | $XX | $XX |
| 43261438 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $304700.78 | 6.500% | $1984.69 | $3023.45 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 82.300% | 0.000% | 50.000% | 75.000% | $XX | $XX |
| 90054483 | xx | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $138528.02 | 4.250% | $874.28 | $1622.69 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 87.500% | 33.300% | 50.000% | 77.200% | $XX | $XX |
| 57168596 | xx | xx | xx | xx | xx |  |  | xx | xx | Michigan | xx | $124252.87 | 3.250% | $587.53 | $922.98 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 88.700% | 0.000% | 66.700% | 74.200% | $XX | $XX |
| 85328634 | xx | xx | xx | xx | xx |  |  | xx | xx | Wisconsin | xx | $526988.56 | 4.250% | $2887.69 | $4286.45 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 89.700% | 33.300% | 66.700% | 83.300% | $XX | $XX |
| 19172309 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | $325650.44 | 6.630% | $2063.49 | $2460.12 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 102.400% | 0.000% | 50.000% | 76.800% | $XX | $XX |
| 35450316 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $422824.77 | 6.250% | $2670.88 | $3993.87 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 78.900% | 0.000% | 50.000% | 75.000% | $XX | $XX |
| 57116423 | xx | xx | xx | xx | xx |  |  | xx | xx | New Mexico | xx | $36541.66 | 6.500% | $591.19 | $932.95 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 108.200% | 51.200% | 75.600% | 103.400% | $XX | $XX |
| 62105179 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $8712.94 | 8.000% | $633.64 | $633.64 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $?,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 96.700% | 0.000% | 55.200% | 82.900% | $XX | $XX |
| 50855013 | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $786254.48 | 5.500% | $4638.84 | $6291.13 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 87.500% | 33.300% | 66.700% | 83.300% | $XX | $XX |
| 7390293 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Connecticut | xx | $293438.28 | 6.125% | $2005.11 | $2622.76 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 135.300% | 0.000% | 73.000% | 89.600% | $XX | $XX |
| 66828233 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | $132530.19 | 3.250% | $1331.56 | $1558.89 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 92.000% | 0.000% | 51.900% | 77.300% | $XX | $XX |
| 70290718 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $57090.94 | 6.125% | $552.93 | $552.93 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 130.300% | 33.300% | 68.800% | 103.500% | $XX | $XX |
| 51766258 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $21620.99 | 10.900% | $433.88 | $433.88 | 2025-XX-XX | 2025-XX-XX | 0 | As per the review of payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ??.???%. The current UPB reflected as per payment history is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 143.100% | 0.000% | 112.400% | 135.300% | $XX | $XX |
| 68832141 | xx | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $147726.47 | 7.125% | $1008.76 | $1997.18 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 61.500% | 33.300% | 66.700% | 78.200% | $XX | $XX |
| 98527136 | xx | xx | xx | xx | xx |  |  | xx | xx | Massachusetts | xx | $83844.55 | 4.125% | $437.28 | $1126.59 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 83.500% | 33.300% | 66.700% | 80.400% | $XX | $XX |
| 59308503 | xx | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $9950.06 | 10.000% | $193.00 | $199.76 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? (PITI) and was applied to the due date of xx/XX/????. The monthly P&I is $???.??, and the interest rate is ??.???%. The current UPB is $?,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 88.500% | 33.300% | 66.700% | 92.400% | $XX | $XX |
| 78589583 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | $207860.87 | 5.500% | $1220.00 |  | 2025-XX-XX | 2025-XX-XX | 0 | As per the seller's tape data as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. Unable to determine the last payment received. The current P&I is $?,???.?? and interest rate is ?.??%. The UPB as per tape is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 72846554 | xx | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $656398.08 | 7.750% | $4755.21 | $5177.38 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received in the amount of PITI $?,???.??, which was applied to the due date of xx/XX/????. The current P&I is $?,???.??, and the current rate of interest is ?.???%. The current UPB is reflected in the payment history as $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 62.500% | 33.300% | 66.700% | 83.300% | $XX | $XX |
| 26585682 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | $452642.76 | 6.990% | $3039.34 | $3410.37 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $????.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 50.000% | 33.300% | 50.000% | 75.000% | $XX | $XX |
| 85806167 | xx | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | $351364.25 | 7.875% | $2594.75 | $3184.56 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received in the amount of PITI $?,???.?? on xx/XX/????, which was applied to the due date of xx/XX/????. The current P&I is $?,???.??, and the current rate of interest is ?.???%. The current UPB reflected in the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 65.900% | 0.000% | 63.600% | 81.800% | $XX | $XX |
| 23916715 | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $564531.41 | 5.990% | $3405.16 | $4696.27 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI) and was applied to the due date of xx/XX/????. The monthly P&I is $?,???.??, and the interest rate is ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 29.200% | 33.300% | 66.700% | 58.300% | $XX | $XX |
| 46758967 | xx | xx | xx | xx | xx |  |  | xx | xx | Nevada | xx | $462857.75 | 6.990% | $3190.23 | $4050.31 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 90.700% | 41.600% | 79.000% | 93.800% | $XX | $XX |
| 53587794 | xx | xx | xx | xx | xx |  |  | xx | xx | Nevada | xx | $423216.69 | 6.500% | $2700.04 | $3387.92 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 41.700% | 0.000% | 50.000% | 75.000% | $XX | $XX |
| 91529896 | xx | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $180828.07 | 7.375% | $1274.30 | $1783.86 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 35.300% | 0.000% | 34.500% | 70.600% | $XX | $XX |
| 66667755 | xx | xx | xx | xx | xx |  |  | xx | xx | Michigan | xx | $198525.56 | 7.625% | $1415.59 | $2206.42 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is ???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 41.700% | 0.000% | 50.000% | 75.000% | $XX | $XX |
| 81397443 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $424843.71 | 5.875% | $2528.77 | $3738.50 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 25.000% | 33.300% | 50.000% | 50.000% | $XX | $XX |
| 65930364 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | $120000.00 | 6.875% |  |  | 2025-XX-XX | 2025-XX-XX | 0 | The loan was originated on xx/XX/????, and the first payment is due on xx/XX/????. According to payment history tape data as of xx/XX/????, the next due date is xx/XX/????. The current interest rate is ?.???%, and the P&I is not available. The current UPB reflected as per the payment history tape data is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 44679991 | xx | xx | xx | xx | xx |  |  | xx | xx | Connecticut | xx | $395091.00 | 6.750% | $2562.55 |  | 2025-XX-XX | 2025-XX-XX | 0 | The loan was originated on xx/XX/????, and the first payment date is xx/XX/????. As per the payment history as of xx/XX/????, the next due date is xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 83780078 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $453652.56 | 7.125% | $3063.73 | $4234.26 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 12.500% | 33.300% | 50.000% | 25.000% | $XX | $XX |
| 5975524 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $366711.83 | 4.750% | $1951.42 | $2417.34 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 19.400% | 0.000% | 77.700% | 38.800% | $XX | $XX |
| 11224718 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $650477.79 | 2.875% | $2937.44 | $4452.98 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 89.300% | 0.000% | 50.000% | 76.200% | $XX | $XX |
| 36026137 | xx | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $533776.77 | 2.875% | $2558.02 | $3540.67 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 103.600% | 37.700% | 75.300% | 94.100% | $XX | $XX |
| 12799389 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $638745.29 | 2.875% | $2958.18 | $4544.10 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 91.300% | 0.000% | 50.000% | 78.700% | $XX | $XX |
| 63846579 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $252261.84 | 7.490% | $1811.64 | $2552.15 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 61.200% | 0.000% | 63.400% | 89.400% | $XX | $XX |
| 80367151 | xx | xx | xx | xx | xx |  |  | xx | xx | Massachusetts | xx | $253392.41 | 4.375% | $1572.75 | $2850.95 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 32.000% | 0.000% | 50.000% | 64.000% | $XX | $XX |
| 12595896 | xx | xx | xx | xx | xx |  |  | xx | xx | Washington | xx | $579850.85 | 5.990% | $3634.77 | $3685.35 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 68.600% | 0.000% | 74.700% | 92.800% | $XX | $XX |
| 85062409 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $301895.28 | 3.125% | $1117.82 | $1275.92 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $????.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $????.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 64.900% | 0.000% | 50.000% | 75.000% | $XX | $XX |
| 14208467 | xx | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $283670.24 | 3.490% | $1480.01 | $2159.38 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??, and the deferred balance is $?,???.??. As per the deferral agreement located at xx | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 118.000% | 0.000% | 82.500% | 109.200% | $XX | $XX |
| 23385303 | xx | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $170494.82 | 6.000% | $1124.16 | $1566.98 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 84.100% | 0.000% | 49.800% | 73.400% | $XX | $XX |
| 33895441 | xx | xx | xx | xx | xx |  |  | xx | xx | Michigan | xx | $337623.46 | 7.375% | $2382.83 | $3159.76 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 86.400% | 0.000% | 50.000% | 75.000% | $XX | $XX |
| 44474613 | xx | xx | xx | xx | xx |  |  | xx | xx | California | xx | $209283.30 | 3.625% | $1322.55 | $1952.06 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 86.300% | 0.000% | 50.000% | 75.000% | $XX | $XX |
| 68915992 | xx | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $95297.40 | 4.500% | $490.80 | $923.15 | 2017-XX-XX | 2015-XX-XX | 28 | Review of payment history as of date xx/XX/???? reflects the borrower was delinquent for more than ??? days. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied to xx/XX/????. The UPB reflected is $??,???.?? taken as per tape and current P&I is $???.?? with PITI is $???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2017-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 24179826 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $255890.97 | 6.375% | $1622.06 | $1622.06 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 59.900% | 0.000% | 72.600% | 86.300% | $XX | $XX |
| 89271158 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $86449.69 | 5.875% | $778.52 | $866.47 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 81.600% | 0.000% | 50.000% | 76.600% | $XX | $XX |
| 36999741 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | $409733.33 | 4.500% | $2211.68 | $3879.95 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 104.800% | 0.000% | 50.000% | 75.100% | $XX | $XX |
| 32994559 | xx | xx | xx | xx | xx |  |  | xx | xx | California | xx | $390512.09 | 3.500% | $1885.99 | $2757.77 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 86.100% | 0.000% | 49.300% | 73.600% | $XX | $XX |
| 56497351 | xx | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $397988.60 | 6.875% | $2621.15 | $3267.14 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 8.300% | 66.700% | 33.300% | 16.700% | $XX | $XX |
| 77567574 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $417958.37 | 6.125% | $2542.03 | $3364.08 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 33.300% | 16.700% | 8.300% | $XX | $XX |
| 93266152 | xx | xx | xx | xx | xx |  |  | xx | xx | California | xx | $593840.97 | 7.375% | $4144.05 | $5191.88 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 58.000% | 33.300% | 70.500% | 89.000% | $XX | $XX |
| 96747267 | xx | xx | xx | xx | xx |  |  | xx | xx | California | xx | $277481.36 | 7.625% | $1981.82 | $2541.90 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 51.400% | 33.300% | 67.800% | 85.800% | $XX | $XX |
| 62476428 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $329414.95 | 7.630% | $2352.74 | $2732.26 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 52.100% | 33.300% | 66.700% | 86.200% | $XX | $XX |
| 89409032 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $176686.84 | 7.000% | $1187.56 | $1771.78 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 50.000% | 33.300% | 66.700% | 91.700% | $XX | $XX |
| 1781755 | xx | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $128250.00 | 7.500% | $896.74 |  | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history tape data as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. We are unable to determine the last payment received. The current P&I $???.?? and the current interest rate is ?.???%. The current UPB reflected as per the payment history tape data is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 13351671 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $603689.56 | 7.125% | $4077.01 | $4994.80 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 12.500% | 0.000% | 50.000% | 25.000% | $XX | $XX |
| 44571218 | xx | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $191113.78 | 3.250% | $899.82 | $1479.28 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 88.300% | 0.000% | 50.000% | 75.500% | $XX | $XX |
| 50227685 | xx | xx | xx | xx | xx |  |  | xx | xx | Hawaii | xx | $377933.02 | 4.250% | $1962.84 | $2210.49 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 86.100% | 0.000% | 50.000% | 75.000% | $XX | $XX |
| 11421978 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $465130.66 | 3.000% | $2149.34 | $3691.33 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 94.000% | 33.300% | 66.700% | 83.300% | $XX | $XX |
| 6944131 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | $175777.31 | 7.750% | $1289.54 | $1289.54 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 91.700% | 33.300% | 66.700% | 75.000% | $XX | $XX |
| 27473363 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Michigan | xx | $113555.79 | 3.875% | $571.81 | $1038.97 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 92.400% | 33.300% | 66.700% | 83.300% | $XX | $XX |
| 83287964 | xx | xx | xx | xx | xx |  |  | xx | xx | Wisconsin | xx | $195438.67 | 6.750% | $1277.74 | $1708.57 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history tape data is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 37.500% | 33.300% | 66.700% | 75.000% | $XX | $XX |
| 22166895 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $263151.47 | 6.500% | $1697.39 | $1926.11 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 14.400% | 115.300% | 57.700% | 28.800% | $XX | $XX |
| 87289518 | xx | xx | xx | xx | xx |  |  | xx | xx | California | xx | $611100.00 | 6.500% | $3862.57 | $3862.57 | 2025-XX-XX | 2025-XX-XX | 0 | The loan originated on xx/XX/????, and the first payment is due on xx/XX/????. According to payment history as of xx/XX/????, the next due date is xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 1692113 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $385081.45 | 7.575% | $2732.91 | $3723.04 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 41.700% | 0.000% | 66.700% | 75.000% | $XX | $XX |
| 21171431 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $373375.54 | 8.500% | $2883.43 | $4376.73 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 29.200% | 0.000% | 50.000% | 58.300% | $XX | $XX |
| 2478382 | xx | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $217107.93 | 6.125% | $1336.29 | $1513.50 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 29.100% | 38.300% | 61.300% | 58.300% | $XX | $XX |
| 79126681 | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $306084.84 | 7.375% | $2132.46 | $2650.96 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 45.800% | 33.300% | 66.700% | 83.300% | $XX | $XX |
| 65568249 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $127184.00 | 3.750% | $530.10 | $875.32 | 2024-XX-XX | 2024-XX-XX | 0 | As per the review of payment history, the borrower is ???+ days delinquent. The last payment was received on xx/XX/???? in the amount $???.?? which was applied to xx/XX/????. The next due date is xx/XX/????. The payment was received as per modification agreement. As per payment history current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 144.200% | 0.000% | 0.000% | 92.200% | $XX | $XX |
| 3706989 | xx | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $169297.16 | 5.490% | $985.69 | $389.05 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $????.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 104.500% | 398.800% | 363.300% | 209.000% | $XX | $XX |
| 4862241 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | $911012.69 | 6.990% | $6156.14 | $7164.41 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 79.100% | 33.300% | 66.700% | 83.300% | $XX | $XX |
| 93487920 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $130657.35 | 7.500% | $929.96 | $1203.21 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 57.800% | 35.800% | 71.700% | 89.900% | $XX | $XX |
| 49293517 | xx | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $364479.70 | 6.750% | $2372.25 | $2769.58 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 16.700% | 33.300% | 66.700% | 33.300% | $XX | $XX |
| 21300405 | xx | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $231674.44 | 8.000% | $1701.09 | $1915.32 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for the due date of xx/XX/????. The current monthly P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 33.300% | 16.700% | 8.300% | $XX | $XX |
| 99266741 | xx | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $800304.01 | 7.625% | $5681.11 | $6072.27 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 16.700% | 33.300% | 66.700% | 33.400% | $XX | $XX |
| 53059159 | xx | xx | xx | xx | xx |  |  | xx | xx | Washington | xx | $239817.38 | 7.375% | $1657.62 | $1995.35 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 33.300% | 16.700% | 8.300% | $XX | $XX |
| 91047648 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | $316000.00 | 6.750% | $2049.57 |  | 2025-XX-XX | 2025-XX-XX | 0 | The loan was originated on xx/XX/????, and the first payment is due on xx/XX/????. According to payment history as of xx/XX/????, the next due date is xx/XX/????. The current P&I is $xx with an interest rate of ?.???%. The current UPB reflected as per the payment history is $xx. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 19902707 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $337238.60 | 7.250% | $2333.04 | $3363.80 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 57.200% | 0.000% | 50.200% | 69.800% | $XX | $XX |
| 29735260 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $136798.98 | 6.125% | $834.47 | $976.35 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 16.700% | 33.300% | 66.700% | 33.300% | $XX | $XX |
| 90588749 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | $349733.63 | 7.374% | $2417.12 | $2417.12 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 33.300% | 16.700% | 8.300% | $XX | $XX |
| 84316810 | xx | xx | xx | xx | xx |  |  | xx | xx | Washington | xx | $522500.00 | 6.625% | $3345.62 | $3345.62 | 2025-XX-XX | 2025-XX-XX | 0 | The loan was originated on xx/XX/???? and the first payment date is xx/XX/????. According to the payment history as of xx/XX/????, the next due date is xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 58435062 | xx | xx | xx | xx | xx |  |  | xx | xx | Minnesota | xx | $395197.00 | 7.000% | $2629.26 |  | 2025-XX-XX | 2025-XX-XX | 0 | The loan was originated on xx/XX/???? and the first payment date is xx/XX/????. According to the payment history as of xx/XX/????, the next due date is xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history tape data is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 63288962 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $754111.62 | 6.950% | $5004.33 | $6791.38 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 12.500% | 33.300% | 50.000% | 25.000% | $XX | $XX |
| 31811339 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $251253.95 | 7.375% | $1751.90 | $2203.06 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 49.600% | 33.300% | 50.000% | 74.700% | $XX | $XX |
| 46187893 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | $398279.63 | 7.990% | $2931.68 | $3503.61 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 25.000% | 33.300% | 66.700% | 50.000% | $XX | $XX |
| 43792845 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $318428.96 | 6.125% | $1944.35 | $2687.93 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 20.800% | 0.000% | 50.000% | 41.700% | $XX | $XX |
| 45239227 | xx | xx | xx | xx | xx |  |  | xx | xx | California | xx | $750000.00 | 7.875% | $5438.02 |  | 2025-XX-XX | 2025-XX-XX | 0 | The loan was originated on xx/XX/????, and the first payment is due on xx/XX/????. According to payment history tape data as of xx/XX/????, the next due date is xx/XX/????. The current UPB reflected as per the payment history tape data is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 79017136 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | $309317.47 | 5.750% | $1828.86 | $2697.49 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB per tape is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 21.100% | 0.000% | 50.300% | 42.100% | $XX | $XX |
| 93576006 | xx | xx | xx | xx | xx |  |  | xx | xx | Alabama | xx | $51874.07 | 7.250% | $382.44 | $579.38 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 14.900% | 85.700% | 59.500% | 29.800% | $XX | $XX |
| 59679621 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $300011.69 | 6.490% | $1922.17 | $2855.74 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 59.400% | 33.300% | 67.000% | 85.200% | $XX | $XX |
| 5561876 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $612123.09 | 6.990% | $4450.37 | $6075.23 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. There is a large payment in the amount of $??,???.?? in the month of Oct-???? and $??,???.?? in the month of Nov-????. As per the comments dated xx/XX/???? and xx/XX/????, these are the BWR-made payments. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 76.000% | 77.600% | 97.100% | 152.100% | $XX | $XX |
| 55563140 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $559137.67 | 6.875% | $3705.08 | $5455.04 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 33.300% | 16.700% | 8.300% | $XX | $XX |
| 35172666 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $207535.38 | 5.750% | $1228.83 | $1601.59 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 54.000% | 33.500% | 66.600% | 83.300% | $XX | $XX |
| 45744551 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $254077.10 | 7.375% | $1771.58 | $2521.62 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 49.500% | 33.300% | 66.700% | 82.900% | $XX | $XX |
| 78133777 | xx | xx | xx | xx | xx |  |  | xx | xx | Massachusetts | xx | $550809.00 | 7.250% | $3784.71 | $4679.73 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower has been current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 37.600% | 33.300% | 67.100% | 75.200% | $XX | $XX |
| 17473777 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $198700.00 | 7.125% | $1338.68 | $1904.31 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The UPB is not provided in the PH. The current UPB reflected as per the payment history tape as of xx/XX/???? is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 33.300% | 16.700% | 8.300% | $XX | $XX |
| 5626036 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $684083.82 | 6.990% | $4609.22 | $5997.17 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 54.200% | 67.500% | 83.800% | 91.700% | $XX | $XX |
| 99146666 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | $201968.89 | 3.990% | $1019.23 | $1496.28 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. The tape shows a deferred balance in the amount of $?,???.??, and as per the comment dated xx/XX/????, one payment has been deferred. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 92.100% | 33.300% | 83.300% | 145.100% | $XX | $XX |
| 80725161 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | $374692.62 | 7.000% | $2494.88 | $4152.00 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 33.300% | 16.700% | 8.300% | $XX | $XX |
| 35796962 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $199662.36 | 6.875% | $1313.86 | $2120.38 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 8.300% | 33.300% | 33.300% | 16.700% | $XX | $XX |
| 57275590 | xx | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $743082.78 | 6.875% | $4885.91 | $6457.62 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $$?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 33.600% | 16.800% | 8.400% | $XX | $XX |
| 1780886 | xx | xx | xx | xx | xx |  |  | xx | xx | South Carolina | xx | $175260.35 | 5.625% | $1015.51 | $1309.07 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 25.000% | 33.400% | 66.700% | 50.000% | $XX | $XX |
| 24890001 | xx | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $382027.61 | 6.000% | $2297.48 | $3062.40 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 12.500% | 33.500% | 50.100% | 25.100% | $XX | $XX |
| 69386987 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | $231753.47 | 5.875% | $1372.31 | $1688.13 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 33.300% | 16.700% | 8.300% | $XX | $XX |
| 4697028 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | $231368.75 | 4.000% | $1044.85 | $1784.54 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 78.500% | 66.700% | 83.300% | 90.400% | $XX | $XX |
| 25581053 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $159610.95 | 4.625% | $1018.00 | $1715.38 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on ?xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 98.300% | 33.400% | 66.700% | 83.100% | $XX | $XX |
| 1012605 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $50320.22 | 2.000% | $413.92 | $717.94 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 100.800% | 0.000% | 66.800% | 75.200% | $XX | $XX |
| 16690809 | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $298906.79 | 3.625% | $1532.33 | $2095.23 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 94.800% | 66.700% | 83.300% | 91.700% | $XX | $XX |
| 93291882 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Montana | xx | $96027.64 | 4.250% | $511.44 | $779.54 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 72.900% | 66.700% | 83.800% | 93.200% | $XX | $XX |
| 39758476 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $584615.53 | 4.375% | $3083.09 | $4815.54 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 91.800% | 33.300% | 66.700% | 82.800% | $XX | $XX |
| 42432885 | xx | xx | xx | xx | xx |  |  | xx | xx | Indiana | xx | $114855.53 | 3.990% | $623.71 | $901.33 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 98.000% | 66.700% | 83.300% | 93.000% | $XX | $XX |
| 9353482 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $12658.61 | 6.000% | $132.15 | $142.05 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history tape data is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 102.600% | 33.300% | 67.600% | 89.300% | $XX | $XX |
| 26302703 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $153069.44 | 5.750% | $1097.12 | $1620.95 | 2017-XX-XX | 2015-XX-XX | 22 | The review of payment history shows that the borrower is delinquent for more than ???+ days and next due is for xx/XX/????. The last payment was received on xx/XX/???? in the amount $?,???.?? for due date xx/XX/????. The UPB is reflected in the amount of $???,???.?? till due date xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2017-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 54794084 | xx | xx | xx | xx | xx |  |  | xx | xx | Washington | xx | $104988.00 | 6.500% | $676.31 | $1166.83 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 75.200% | 66.700% | 82.500% | 88.200% | $XX | $XX |
| 29857387 | xx | xx | xx | xx | xx |  |  | xx | xx | California | xx | $246623.88 | 6.375% | $1559.67 | $2722.63 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 57.800% | 66.700% | 82.800% | 82.700% | $XX | $XX |
| 85187951 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | $585612.27 | 3.625% | $2851.06 | $3453.90 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 98.500% | 66.700% | 259.400% | 138.100% | $XX | $XX |
| 52277699 | xx | xx | xx | xx | xx |  |  | xx | xx | California | xx | $296660.56 | 6.875% | $1950.49 | $2426.37 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 33.300% | 16.700% | 8.300% | $XX | $XX |
| 26838097 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $263615.03 | 7.625% | $1882.73 | $2482.07 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 34.000% | 66.700% | 83.300% | 68.000% | $XX | $XX |
| 7541565 | xx | xx | xx | xx | xx |  |  | xx | xx | Wisconsin | xx | $502967.56 | 6.990% | $3345.63 | $4333.69 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 33.300% | 16.700% | 8.300% | $XX | $XX |
| 56723176 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $154469.17 | 7.000% | $1064.48 | $1774.47 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??(PITI) which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 86.400% | 66.700% | 74.300% | 85.900% | $XX | $XX |
| 54734472 | xx | xx | xx | xx | xx |  |  | xx | xx | Louisiana | xx | $146726.97 | 6.125% | $927.98 | $1700.78 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.??(PITI) which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 88.100% | 33.300% | 65.400% | 80.800% | $XX | $XX |
| 83210901 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $358122.63 | 6.620% | $2323.45 | $2925.00 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 51.100% | 68.900% | 86.200% | 85.600% | $XX | $XX |
| 44649245 | xx | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $142144.61 | 7.125% | $964.76 | $964.76 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? (PITI) which was applied for the due date of xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 37.500% | 66.700% | 83.300% | 75.000% | $XX | $XX |
| 86608840 | xx | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $203127.01 | 6.500% | $1291.00 | $1622.27 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 25.000% | 66.700% | 83.300% | 50.000% | $XX | $XX |
| 35356732 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $265662.49 | 10.250% | $2838.63 | $3041.80 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ??.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 12.500% | 66.700% | 50.000% | 25.000% | $XX | $XX |
| 13299397 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | $588516.25 | 6.990% | $3914.68 | $4899.28 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 33.300% | 16.700% | 8.300% | $XX | $XX |
| 81398347 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $145000.00 | 6.500% | $916.50 |  | 2025-XX-XX | 2025-XX-XX | 0 | The loan was originated on xx/XX/????, and the first payment date is xx/XX/????. According to the payment history as of xx/XX/????, the next due date is xx/XX/????. The current P&I is $???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 25922588 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $234613.62 | 7.000% | $1563.46 | $2080.37 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 8.300% | 66.700% | 33.300% | 16.700% | $XX | $XX |
| 3067936 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $751691.00 | 7.500% | $5259.84 | $5341.33 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 8.300% | 66.700% | 33.300% | 16.700% | $XX | $XX |
| 16507049 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $465488.10 | 6.625% | $2996.66 | $4434.67 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 25.000% | 66.700% | 83.300% | 50.000% | $XX | $XX |
| 94677536 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $416005.54 | 6.875% | $2759.10 | $3528.27 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan. The next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI) which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? and the interest rate is ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 44.000% | 59.400% | 79.700% | 88.000% | $XX | $XX |
| 91698333 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $225000.00 | 6.875% | $1478.09 | $1478.09 | 2025-XX-XX | 2025-XX-XX | 0 | The loan was originated on xx/XX/????, and the first payment date is xx/XX/????. According to payment history tape data as of xx/XX/????, the next due date is xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history tape data is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 85348121 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $221835.24 | 7.500% | $1552.26 | $2170.80 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.??%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 33.300% | 16.700% | 8.300% | $XX | $XX |
| 36207640 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $343279.39 | 7.000% | $2285.72 | $3138.55 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of xx/XX/????, the borrower is current with the loan, and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? (PITI), which was applied for the due date of xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 4.200% | 33.300% | 16.700% | 8.300% | $XX | $XX |
| 76689844 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $150000.00 | 6.990% | $996.95 |  | 2025-XX-XX | 2025-XX-XX | 0 | The loan was originated on xx/XX/????, and the first payment date is xx/XX/????. According to payment history tape data as of xx/XX/????, the next due date is xx/XX/????. The current P&I is $???.??, and the interest rate is ?.???%. The UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 4917545 | xx | xx | xx | xx | xx |  |  | xx | xx | Oregon | xx | $393162.00 | 6.500% | $2485.05 |  | 2025-XX-XX | 2025-XX-XX | 0 | The loan was originated on xx/XX/????, and the first payment is due on xx/XX/????. As per the tape as of xx/XX/????, the next due date is xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 91778036 | xx | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $116784.07 | 3.375% | $563.88 |  | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan. The next due date is xx/XX/????. The last payment was received on xx/XX/????. The current P&I is $???.?? and the interest rate is ?.???%. The current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 72518594 | xx | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $125551.01 | 6.875% | $962.41 | $1132.76 | 2025-XX-XX | 2025-XX-XX | 0 | The review of the payment history states that the borrower is delinquent for more than ???+ days. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/???? and the next due date is xx/XX/????. The current UPB is $???,???.??. Borrower is currently making his payments according to the original Note terms. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 77.300% | 0.000% | 0.000% | 52.300% | $XX | $XX |
| 72779778 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $405000.00 |  | $2020.84 | $2020.84 | 2025-XX-XX | 2024-XX-XX | 1 | Review of the payment history shows that the borrower has been delinquent for ?? months and the next due is for xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied to xx/XX/????. Unpaid principal balance reflected in the amount of $???,???.??. Considered rate ?.??% as per following document "xx". | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 118.600% | 0.000% | 0.000% | 89.300% | $XX | $XX |
| 67865935 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Michigan | xx | $117501.49 | 6.559% | $879.97 | $879.97 | 2017-XX-XX | 2017-XX-XX | 1 | Review of the payment history shows the borrower is delinquent for ? month and next due for xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.??, which was applied to xx/XX/????. The current UPB as per latest payment history is in the amount of $???,???.?? and the current P&I is ???.?? with interest rate of ?.???%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2017-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 53163814 | xx | xx | xx | xx | xx | xx | xx | xx | xx | South Carolina | xx | $277292.00 | 6.625% | $1775.53 |  | 2025-XX-XX | 2025-XX-XX | 0 | The loan was originated on xx/XX/???? with the first payment date xx/XX/????. As per the seller's tape data as of xx/XX/????, the next due date is xx/XX/????. The current P&I is $?,???.?? with an interest rate of ?.???%. The current UPB reflected as per the payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 92671254 | xx | xx | xx | xx | xx |  |  | xx | xx | Kentucky | xx | $76553.29 | 4.990% | $375.99 | $375.99 | 2017-XX-XX | 2017-XX-XX | 2 | Review of the payment history states that the borrower has been delinquent for more than ? months. The last payment was received in the amount of $???.?? which was applied to due date xx/XX/????, and the next due date is xx/XX/????. Current UPB reflects in the provided payment history is in the amount of $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2017-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 51177572 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Indiana | xx | $112134.17 | 11.910% | $1165.16 | $1165.16 | 2024-XX-XX | 2025-XX-XX | 0 | The review of payment history as of xx/XX/???? reveals that the borrower is delinquent for ? months and the next due date is for xx/XX/????. The last payment was received on xx/XX/???? in the P&I amount of $?,???.?? which was applied for the due date of ?/XX/xx/????. The UPB is being reflected in payment history in the amount of $???,???.??. .<br> Adjustment of terms agreement was found dated xx/XX/???? in the loan files which states the loan terms has been changed with the deferred balance of $??,???.?? but the interest rate and P&I has not been changed. The borrower has been making payments as per note rate and terms. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 75.000% | 0.000% | 0.000% | 50.000% | $XX | $XX |
| 12326112 | xx | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $36661.24 | 10.996% | $258.60 | $260.00 | 2025-XX-XX | 2025-XX-XX | 0 | Review of payment history as of xx/XX/???? shows that the borrower is delinquent for more than??? days and next payment due date was for xx/XX/????. The last payment was received in the amount of $???.?? on xx/XX/???? which was applied for the due date of xx/XX/???? <br> The UPB is being reflected in payment history in the amount of $??,???.??. <br> Borrower is making payment as per 'Notice of Mortgage payment change'. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 78.700% | 0.000% | 16.600% | 58.000% | $XX | $XX |
| 89322896 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $203424.45 | 5.145% | $1216.95 | $1654.12 | 2024-XX-XX | 2025-XX-XX | 0 | As per the review of payment history, the borrower is delinquent more than ??? days. The last payment was received on xx/XX/???? in the amount $?,???.?? which was applied to xx/XX/????. The next due date is xx/XX/????. As per payment history, the current UPB is being reflected $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 100.500% | 0.000% | 0.000% | 69.600% | $XX | $XX |
| 45083530 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | $265515.95 | 4.000% | $1231.24 | $1847.81 | 2018-XX-XX | 2016-XX-XX | 15 | As of payment history xx/XX/???? shows that the borrower is delinquent for ?? months and next payment due date was for xx/XX/????. The last payment was received on ?xx/XX/???? in the amount of $????.??which is applied for the due date of xx/XX/????. The UPB is being reflected in payment history in the amount of $???,???.??.<br> The borrower is making payments as per the modification with the interest rate of ?.??% with the monthly P&I payment $????.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 95340432 | xx | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $68318.89 | 3.000% | $272.68 | $702.56 | 2025-XX-XX | 2025-XX-XX | 0 | Review of updated payment history as of xx/XX/????, the subject loan is currently delinquent for +??? days and the next due date of payment is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? for the due date of xx/XX/????. The UPB as of the date is mentioned in the updated payment history is in the amount of $??,???.??. Borrower is currently making payments according to the terms of HAMP dated xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 322.500% | 0.000% | 15.200% | 49.900% | $XX | $XX |
| 54689217 | xx | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $89999.82 | 4.750% | $430.36 | $722.97 | 2025-XX-XX | 2024-XX-XX | 1 | Review of payment history as of xx/XX/???? shows that the borrower is delinquent for ?? months and next due payment was for xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied for the due date of xx/XX/????. The UPB is being reflected in payment history in the amount of $??,???.??.<br> The borrower is making payments as per modification interest rate and terms.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 74.300% | 0.000% | 0.000% | 45.100% | $XX | $XX |
| 4069043 | xx | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $552000.00 | 4.875% | $2285.51 |  | 2018-XX-XX | 2014-XX-XX | 42 | As per the review of the payment history, the borrower is delinquent for ?? months and the next due date for payment is xx/XX/????. The last payment was received on xx/XX/???? . The current UPB reflected is in the amount of $???,???.??. The P&I is $????.??. The values are updated as per tape data. Borrower is making payment as per Payment change notice which is located at "xx". | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2014-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 92922593 | xx | xx | xx | xx | xx |  |  | xx | xx | California | xx | $271814.98 | 5.000% | $1418.35 | $2046.66 | 2025-XX-XX | 2025-XX-XX | 0 | Provided payment history as of xx/XX/????, reveals that the loan is in delinquency for ? months. The next due date for the payment is xx/XX/????. The borrower is not making regular payments as per loan modification. The last payment of xx/XX/???? was received on xx/XX/???? in the amount of $?,???.??. According to the payment history the current unpaid principal balance is being reflected in the amount of $???,???.??.  | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 103.700% | 0.000% | 0.000% | 68.800% | $XX | $XX |
| 44093405 | xx | xx | xx | xx | xx |  |  | xx | xx | California | xx | $134527.01 | 4.000% | $615.79 | $1058.89 | 2025-XX-XX | 2025-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is currently delinquent for ? months and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied to xx/XX/????. The UPB reflected in the latest payment history is in the amount of $???,???.??.<br> The borrower has been making payment as per modification agreement dated xx/XX/???? with a modified interest rate of ?.??% and the P&I of $???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 105.100% | 0.000% | 0.000% | 76.600% | $XX | $XX |
| 26215056 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $224120.69 | 4.750% | $1408.05 | $1094.78 | 2024-XX-XX | 2025-XX-XX | 0 | According to the review of payment history as of xx/XX/????, the borrower is delinquent with the loan for more than ??? days and the next due date for the payment is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $????.??, which was applied to xx/XX/????. The current UPB is reflected in the amount of $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 169.500% | 0.000% | 0.000% | 89.700% | $XX | $XX |
| 31547465 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | $42272.38 | 6.076% | $669.06 | $1033.45 | 2024-XX-XX | 2025-XX-XX | 0 | As per the review of the payment history, the borrower has been delinquent for ? months and next payment is due for xx/XX/????. The last payment was received on xx/XX/???? in the amount $?,???.?? which was applied for xx/XX/????. The UPB is reflected in the amount $??,???.??. The current P&I is $???.?? and PITI is $?,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 89.300% | 0.000% | 0.000% | 74.300% | $XX | $XX |
| 8331179 | xx | xx | xx | xx | xx |  |  | xx | xx | Oregon | xx | $199009.60 | 2.000% | $664.20 | $1102.22 | 2018-XX-XX | 2017-XX-XX | 8 | As per the review of payment history, the borrower has been delinquent for ? months and the next payment is due for xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for xx/XX/????. The UPB is reflected in the amount $???,???.??. The current P&I is $???.?? and PITI is $?,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 89764214 | xx | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $41299.34 | 7.125% | $264.04 | $346.43 | 2024-XX-XX | 2025-XX-XX | 0 | Review of the payment history provided from xx/XX/???? to xx/XX/???? reveals that borrower has been the delinquent for more than ??? days. The last payment was received in the amount of $???.?? on xx/XX/???? which was applied for the due date of xx/XX/????. The next due date is xx/XX/????. Current UPB as of date reflects in the provided payment history is in the amount of $??,???.?? and current interest rate as per payment history is ?.??? %. Borrower is currently making the payment according to the original note terms.<br> The borrower is currently ?? month behind his scheduled payments.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 80.500% | 0.000% | 0.000% | 17.700% | $XX | $XX |
| 36019736 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | $275390.70 | 4.000% | $1345.07 | $1641.86 | 2024-XX-XX | 2025-XX-XX | 0 | Payment history as of xx/XX/???? shows borrower is delinquent for more than ??? days. Last payment was received on xx/XX/???? in the amount of $?,???.?? for due date xx/XX/????. Next due date is xx/XX/????. UPB reflected in pay history is ???,???.??. Borrower made last payments as per Modification made on xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 432.700% | 0.000% | 0.000% | 74.900% | $XX | $XX |
| 69123464 | xx | xx | xx | xx | xx |  |  | xx | xx | Michigan | xx | $26029.54 | 6.000% | $145.93 | $387.68 | 2024-XX-XX | 2025-XX-XX | 0 | Review of the pay history as of xx/XX/???? reflects the borrower is delinquent for ? months and next due payment was for xx/XX/????. The last payment of $???.?? was received on xx/XX/???? which was applied for the due date of xx/XX/????. The unpaid principal balance is being reflected in payment history in the amount of $??,???.??.<br> The borrower has been making payments as per modification interest rate and terms. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 68.500% | 0.000% | 0.000% | 45.500% | $XX | $XX |
| 49271970 | xx | xx | xx | xx | xx |  |  | xx | xx | Louisiana | xx | $100341.44 | 5.000% | $535.83 | $970.75 | 2025-XX-XX | 2025-XX-XX | 0 | The review of updated payment history as of xx/XX/????, the subject loan is currently delinquent for +??? days and the next due date of payment is xx/XX/????. The last payment (P&I) was received on xx/XX/???? in the amount of $???.?? for the due date of xx/XX/????. The UPB as of the date is mentioned in the updated payment history is in the amount of $???,???.??. Borrower is currently making payments according to the terms of loan modification agreement which was made on xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 83.800% | 0.000% | 17.400% | 70.600% | $XX | $XX |
| 31297207 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $119416.18 | 5.125% | $844.68 | $1511.14 | 2025-XX-XX | 2025-XX-XX | 0 | Payment history as of xx/XX/???? shows borrower is delinquent for more than ??? days. The UPB stated in the payment history is $???,???.??. The Current P&I is $???.??, with the interest rate of ?.???%. Last payment was received on xx/XX/???? in the amount of $?,???.?? for due date xx/XX/????. Borrower made last payment as per trial MOD located at "xx". As per the BPO report dated xx/XX/???? the As Is value of the property is $???,???.?? for estimated sale price and $???,??? for recommended list price. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 68.900% | 0.000% | 18.800% | 41.800% | $XX | $XX |
| 14025972 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $467582.00 | 4.250% | $2400.67 | $2400.67 | 2018-XX-XX | 2017-XX-XX | 6 | As per the review of payment history as of xx/XX/????, the borrower is delinquent more than ??? days. The last payment was received on xx/XX/???? in the amount $?,???.?? which was applied to xx/XX/????. The next due date is xx/XX/????. As per payment history, the current UPB is being reflected the amount of $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2017-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 75429008 | xx | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $76786.55 | 4.875% | $422.31 | $652.41 | 2018-XX-XX | 2017-XX-XX | 13 | Provided payment history as of xx/XX/????, reveals that the loan is in delinquency for ?? months. The next due date for the payment is xx/XX/????. The borrower is not making regular payments as per note P&I. The last payment of xx/XX/???? was received on xx/XX/???? in the amount of $???.??. According to the payment history the current unpaid principal balance is being reflected in the amount of $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 96535494 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $225475.57 | 5.000% | $1250.79 | $2262.72 | 2018-XX-XX | 2015-XX-XX | 30 | Review of the pay history reflects that the borrower is more than ??? days past due. <br> The last payment was received on xx/XX/???? in the amount of $?,???.?? and was applied to ?/XX/??. The next payment due is ?/XX/??<br> The UPB is $???,???.??<br> Borrower made last payments as per Note terms. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 11266987 | xx | xx | xx | xx | xx |  |  | xx | xx | Indiana | xx | $165407.46 | 4.625% | $775.46 | $996.92 | 2018-XX-XX | 2017-XX-XX | 10 | Provided payment history as of xx/XX/????, reveals that the loan is in delinquency for ?? months. The next due date for the payment is xx/XX/????. The borrower is not making regular payments as per loan modification. The last payment of xx/XX/???? was received on xx/XX/???? in the amount of $???.??. According to the payment history the current unpaid principal balance is being reflected in the amount of $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 69182265 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | $75106.66 | 4.000% | $385.13 | $385.13 | 2024-XX-XX | 2025-XX-XX | 0 | As per the review of latest payment history dated xx/XX/???? borrower has been delinquent for more than ??? days and not making regular payment. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied for xx/XX/???? payment. The current unpaid principal balance is $??,???.??. Current P&I is $???.?? and current interest rate is ?.??%. The loan has never been modified. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 116.800% | 0.000% | 0.000% | 83.700% | $XX | $XX |
| 88847202 | xx | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $186008.56 | 4.625% | $877.54 | $1228.67 | 2018-XX-XX | 2017-XX-XX | 7 | According to the latest payment history as of xx/XX/????, the borrower is currently delinquent for ? months and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied for xx/XX/????. The UPB reflected in the latest payment history is in the amount of $???,???.??.<br> The borrower has been making payment as per modification agreement dated xx/XX/???? with the interest rate of ?.???% and the P&I of $???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 96367069 | xx | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $215903.65 | 5.000% | $1139.88 | $1527.12 | 2025-XX-XX | 2025-XX-XX | 0 | Review of updated payment history states that the subject loan is currently in delinquency for +??? days and the next payment due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $????.?? for the due date of xx/XX/????. The UPB as of the date is in the amount of $???,???.??. Borrower is currently making payments according to Modification term. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 75.800% | 0.000% | 16.600% | 56.200% | $XX | $XX |
| 80145263 | xx | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $50588.20 | 6.750% | $379.43 | $567.09 | 2018-XX-XX | 2013-XX-XX | 59 | The Payment History dated xx/XX/???? reveals that the borrower has been the delinquent from xx/XX/???? to till date. The delinquency has been done for more than ?? months. The last payment was received in the amount of $???.?? on xx/XX/???? which was applied for the due date of xx/XX/????.<br> The current unpaid principal balance is in the amount of $??,???.??.<br> The loan has never been modified since origination. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 63465255 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | $68093.37 | 5.750% | $366.99 | $733.98 | 2018-XX-XX | 2016-XX-XX | 18 | As per the review of payment history, the borrower is currently delinquent for more than ??? days and the next due payment is for xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied for xx/XX/????. The UPB reflected in the latest payment history is in the amount of $?????.?? and PITI is $???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 56280168 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | $85631.30 | 4.625% | $402.75 | $773.91 | 2025-XX-XX | 2025-XX-XX | 0 | The Payment History dated as of xx/XX/???? reveals that the borrower has been the delinquent from xx/XX/???? to till date. The delinquency has been done for ?? months. The last payment was received on xx/XX/???? in the amount of $???.?? and it was applied for the due date xx/XX/????. The current P&I is $???.?? and rate of interest is ?.????%. The current unpaid principal balance is in the amount of $??,???.??. The last payment was made by borrower as per the loan modification agreement which was made on xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 88.100% | 0.000% | 0.000% | 103.000% | $XX | $XX |
| 25806992 | xx | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $69824.47 | 8.625% | $692.23 | $901.78 | 2025-XX-XX | 2025-XX-XX | 0 | The Payment History dated xx/XX/???? reveals that the borrower has been the delinquent from xx/XX/???? to till date. The delinquency has been done for more than ? months. The last payment was received in the amount of $???.?? on xx/XX/???? which was applied for the due date of xx/XX/????.<br> The current unpaid principal balance is in the amount of $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 77.800% | 0.000% | 29.100% | 64.600% | $XX | $XX |
| 24801901 | xx | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $181840.11 | 6.000% | $1054.03 | $1563.05 | 2018-XX-XX | 2016-XX-XX | 18 | Review of payment history as of xx/XX/???? shows the borrower is delinquent for more than ?? months and next payment due date was for xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The current UPB is being reflected in payment history in the amount of $???,???.??.<br> The borrower has been making payments as per modification interest rate and terms. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2017-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 21876624 | xx | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $327106.15 | 3.500% | $1284.01 | $1664.00 | 2025-XX-XX | 2025-XX-XX | 0 | Review of the payment history provided from xx/XX/???? to xx/XX/???? reveals that borrower has been the delinquent for more than ??? days. The last payment was received in the amount of $?,???.?? on xx/XX/???? which was applied for the due date of xx/XX/????. The next due date is xx/XX/????. Current UPB as of date reflects in the provided payment history is in the amount of $???,???.?? and current interest rate as per payment history is ?.??? %. Borrower is currently making the payment according to the modification terms.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 93.900% | 0.000% | 18.300% | 63.500% | $XX | $XX |
| 2502708 | xx | xx | xx | xx | xx |  |  | xx | xx | Colorado | xx | $162945.16 | 5.875% | $896.87 | $896.87 | 2018-XX-XX | 2017-XX-XX | 14 | The review of payment history as of xx/XX/???? shows that the borrower is currently delinquent for ?? months and the next due date is for xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied for xx/XX/????. The UPB is reflected in the payment history is in the amount of $???,???.??. The borrower is making as per Modification. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2017-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 18940021 | xx | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $46492.56 | 4.000% | $232.19 | $1125.59 | 2024-XX-XX | 2025-XX-XX | 0 | Review of updated payment history shows that the subject loan is in delinquency for more than ??? days. The borrower is not making his monthly payments. The last payment was received date is not available. The next due date is xx/XX/????. The P&I is in the amount of $???.?? with an interest rate of ?.??%. The unpaid principal balance reflected as of the date is $??,???.??. Borrower is making the payment according to the mod made on xx/XX/????.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 103.300% | 0.000% | 0.000% | 63.800% | $XX | $XX |
| 29687154 | xx | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $179921.22 | 3.000% | $857.05 | $1101.41 | 2018-XX-XX | 2012-XX-XX | 69 | The review of the payment history shows that the borrower is currently delinquent for more than ?? months and the next due date is for xx/XX/????. The last payment was received on xx/XX/????, in the amount of $???.??, which was applied for xx/XX/????. <br> The UPB stated in the payment history is $???,???.??. The Current P&I is $???.?? and PITI is $?,???.??, with the interest rate of ?%. <br> Currently, the borrower has been making the payments as per the document of payment change notice dated xx/XX/???? which was located at "xx". | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 81659981 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $106344.48 | 4.000% | $582.99 | $1057.38 | 2018-XX-XX | 2016-XX-XX | 16 | According to the payment history dated xx/XX/????, the borrower is currently delinquent for ?? months and the next due date is xx/XX/????.The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied for xx/XX/????. The current UPB is ???,???.?? as reflected in the latest payment history. The borrower has been making the payments as per the modification agreement dated xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 20753052 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $349807.87 | 6.375% | $1950.34 | $2504.81 | 2024-XX-XX | 2025-XX-XX | 0 | As per the review of the payment history dated xx/XX/???? shows that the borrower is currently delinquent for ?? months. The last payment was received on xx/XX/???? in the amount of P&I $?,???.?? and PITI of $?,???.??. The next due date is xx/XX/????. The UPB is not reflected in the latest payment history which is taken as per tape data is in the amount of $???,???.??.The borrower is making as per modification. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 85.600% | 0.000% | 0.000% | 57.700% | $XX | $XX |
| 77766069 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Arkansas | xx | $133379.11 | 4.000% | $814.94 | $1119.91 | 2025-XX-XX | 2024-XX-XX | 0 | As per the review of latest payment history borrower has been delinquent from xx/XX/???? to xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date xx/XX/????. The current unpaid principal balance is $???,???.??. Current interest rate is ?.??? % and current P&I is $???.??. The borrower is paying as per the modification agreement dated xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 79.300% | 0.000% | 35.200% | 44.100% | $XX | $XX |
| 14721450 | xx | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $221428.30 | 4.730% | $1181.88 | $1565.01 | 2024-XX-XX | 2025-XX-XX | 0 | Review of the payment history states that the borrower has been delinquent for more than ?? months. The last payment was received in the amount of $?,???.?? which was applied to due date xx/XX/????, and the next due date is xx/XX/????. Current UPB reflects in the amount of $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 68.900% | 0.000% | 0.000% | 46.100% | $XX | $XX |
| 69077855 | xx | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $282420.67 | 2.000% | $870.40 | $1528.46 | 2018-XX-XX | 2011-XX-XX | 85 | Review of updated payment history shows that the subject loan is in delinquency for more than ??? days. The borrower is not making his monthly payments. The last payment received date is not available. The P&I is in the amount of $?,???.?? with interest rate of ?.??% and the next due date is xx/XX/????. The unpaid principal balance reflected as of the date is $???,???.??. Borrower is making the payments according to the MOD. The Notice of Mortgage Payment Change contained in the Bankruptcy file does not show any escrow payment either before or after the payment change. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 76586932 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | $90797.55 | 5.000% | $439.27 | $439.27 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is delinquent for ?? months and the next due date for payment is not available in the payment history. The last payment received information is also not available in the payment history. The current UPB is $??,???.?? as reflected in the Tape data. The borrower has been making the payments as per Modification agreement dated xx/XX/????.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 167.200% | 0.000% | 37.300% | 111.900% | $XX | $XX |
| 52500514 | xx | xx | xx | xx | xx |  |  | xx | xx | Oregon | xx | $122088.70 | 7.850% | $700.33 | $1113.01 | 2025-XX-XX | 2025-XX-XX | 0 | Review of the payment history provided from xx/XX/???? to xx/XX/???? reveals that borrower has been the delinquent for more than ??? days. The last payment was received in the amount of $?,???.?? on xx/XX/???? which was applied for the due date of xx/XX/????. The next due date is xx/XX/????. Current UPB as of date reflects in the provided payment history is in the amount of $???,???.?? and current interest rate as per payment history is ?.??? %. Borrower is currently making the payment according to the Note terms. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 123.700% | 0.000% | 26.100% | 91.300% | $XX | $XX |
| 95979856 | xx | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $83496.02 | 2.875% | $711.29 | $1031.07 | 2018-XX-XX | 2017-XX-XX | 7 | As per the review of payment history, the borrower is delinquent more than ??? days. The last payment was received on xx/XX/???? in the amount $?,???.?? which was applied to xx/XX/????. The next due date is xx/XX/????. The payment was received as per modification agreement. As per payment history, the current UPB is being reflected the amount of $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2017-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 12974330 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $264013.71 | 2.000% | $819.54 | $1705.63 | 2018-XX-XX | 2013-XX-XX | 62 | Review of payment history shows that the borrower is not making the payment regularly. The borrower is delinquent for more than ??? days. The last payment was made on xx/XX/???? in the amount of $???.?? which was applied for xx/XX/????. The next payment is due for xx/XX/????. The current UPB is $???,???.??.<br> UPB provided under latest pay history from seller include the deferred balance. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2013-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 49902257 | xx | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $90579.56 | 9.950% | $882.62 | $1112.79 | 2018-XX-XX | 2017-XX-XX | 8 | Review of the payment history provided by Rushmore, from xx/XX/???? to xx/XX/???? reveals that borrower has been delinquent for more than ??? days and the next due date is xx/XX/????. The last payment was received in the amount of $?,???.?? on xx/XX/???? which was applied for the due date xx/XX/????. Current UPB has not been provided in the payment history and as per tape date, it is in the amount of $??,???.??. The current P&I is $???.?? and the current PITI is $?,???.??. The borrower has been making the payments as per the Note. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 50969518 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | $190812.17 | 4.125% | $819.90 | $1947.56 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is delinquent for ? months and the next due date was xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied for the due date of xx/XX/????. The tape data of payment history shows UPB in the amount of $???,???.??. The loan has been modified thrice since origination. The borrower has been making payments as per the third loan modification which was made on xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 93.600% | 0.000% | 13.700% | 61.800% | $XX | $XX |
| 95809929 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | $87332.29 | 8.500% | $822.71 | $1106.86 | 2025-XX-XX | 2024-XX-XX | 1 | As per review of updated payment history as of xx/XX/????, the subject loan is currently delinquent for ? months and the next due for xx/XX/???? payment. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for due date of xx/XX/????. UPB not provided in the payment history, hence taken as per tape date in the amount of $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 73.500% | 0.000% | 0.000% | 45.000% | $XX | $XX |
| 15254522 | xx | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $271702.21 | 4.000% | $1166.97 | $1223.63 | 2025-XX-XX | 2025-XX-XX | 0 | Review of the payment history states that the borrower has been delinquent for more than ?? months. The last payment was received in the amount of $?,???.?? which was applied to due date xx/XX/????, and the next due date is xx/XX/????. Current UPB reflects in the amount of $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 103.800% | 0.000% | 19.600% | 79.800% | $XX | $XX |
| 17109869 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $103181.34 | 5.250% | $758.84 | $838.96 | 2018-XX-XX | 2016-XX-XX | 18 | According to the payment history as of xx/XX/????, the borrower is currently delinquent for ?? months. The last payment was received on xx/XX/????, the payment applied date was xx/XX/???? and the next due date for payment is xx/XX/????. The P&I is in the amount of $???.?? and PITI is in the amount of $???.??. The UPB reflected as per the payment history tape is in the amount of $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 35104782 | xx | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $142950.97 | 4.875% | $682.72 | $1209.25 | 2018-XX-XX | 2017-XX-XX | 15 | As per the review of the payment history, the borrower has been delinquent for ?? months and next payment is due for xx/XX/????. The last payment was received on xx/XX/???? in the amount $?,???.?? which was applied for xx/XX/????. The UPB as per tape is $???,???.??. The current P&I is $???.?? and PITI is $?,???.??.The borrower has been making his payments as per ???? mod terms | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2017-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 8753553 | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $187413.39 | 6.250% | $786.70 | $1211.12 | 2018-XX-XX | 2017-XX-XX | 6 | As per the review of payment history, the borrower is delinquent more than ??? days. The last payment was received on xx/XX/???? in the amount $?,???.?? which was applied to xx/XX/????. The next due date is xx/XX/????. The payment was received as per modification agreement. The payment history does not shows current UPB. Hence, value is taken from tape data in the amount of $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 28815883 | xx | xx | xx | xx | xx |  |  | xx | xx | West Virginia | xx | $108562.49 | 6.625% | $830.48 | $830.48 | 2018-XX-XX | 2017-XX-XX | 13 | The review of the payment history shows that, the borrower is currently delinquent for more than ?? months and the next due date is for xx/XX/????. The last payment was received on xx/XX/????, in the amount of $???.??, which was applied for xx/XX/????. <br> The UPB is not stated in the payment history, as per tape data it is $???,???.??. The Current P&I is $???.?? and PITI is $???.??, with the interest rate of ?.???%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 45315287 | xx | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $77678.23 | 5.875% | $563.14 | $1172.53 | 2024-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is currently delinquent for ? months. The last payment was received on xx/XX/????, the payment applied date was xx/XX/???? and the next due date for payment is xx/XX/????. The P&I is in the amount of $???,?? and PITI is in the amount of $?,???.??. The UPB reflected as per the payment history is in the amount of $??,???.??.A borrower making payment as per Note terms. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 84.400% | 0.000% | 0.000% | 60.500% | $XX | $XX |
| 5679034 | xx | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $38858.49 | 3.875% | $161.11 | $415.21 | 2018-XX-XX | 2017-XX-XX | 9 | As per the review of the payment history, the borrower is delinquent for ???+ days and next due for xx/XX/????. The last payment was received on xx/XX/????, in the amount of $???.??, with rate of interest ?.????%, which was applied for xx/XX/????. As per tape the UPB is in the amount of $??,???.??. The current P&I is $???.?? and PITI is $???.??.The borrower is making payment as per the loan modification which was made on xx/XX/????.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 94543895 | xx | xx | xx | xx | xx |  |  | xx | xx | Oklahoma | xx | $76582.06 | 7.125% | $484.71 | $1031.46 | 2025-XX-XX | 2025-XX-XX | 0 | As per the review of payment history, the borrower is ???+ day delinquent. The last payment was received on xx/XX/???? which was applied to xx/XX/???? payment in the amount $?,???.??. The next due date is xx/XX/????. The payment was received as per modification agreement. As per payment history current UPB is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 59.100% | 0.000% | 12.900% | 45.200% | $XX | $XX |
| 6067696 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $67387.03 | 4.750% | $508.37 | $740.45 | 2025-XX-XX | 2024-XX-XX | 1 | According to the payment history as of xx/XX/????, the borrower is currently delinquent for ?? months. The last payment was received on xx/XX/????, the payment applied date was xx/XX/???? and the next due date for payment is xx/XX/????. The P&I is in the amount of $???.?? and PITI is in the amount of $???.??. The UPB reflected as per the payment history is in the amount of $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 87.500% | 0.000% | 0.000% | 63.200% | $XX | $XX |
| 48017955 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $77573.10 | 7.875% | $736.68 | $1039.95 | 2018-XX-XX | 2016-XX-XX | 24 | According to the payment history as of xx/XX/????, the borrower is delinquent for ?? months and the next due date was xx/XX/????. The last payment was received on xx/XX/???? in the amount of $????.?? which was applied for the due date of xx/XX/????. The current P&I is $???.?? and PITI is $????.??. The UPB reflected is reflected is in the amount of $??,???.??.<br> The borrower has been making the payments as per the original note terms. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2017-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 41592505 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | $267875.17 | 2.000% | $851.97 | $851.97 | 2018-XX-XX | 2015-XX-XX | 41 | According to the payment history as of xx/XX/????, the borrower is currently delinquent for ?? months and the next due date was xx/XX/????. The last payment was received in the amount of $???.?? which was applied for the due date of xx/XX/????. The UPB reflected in the amount of $???,???.??.<br> The loan has been modified twice since origination. <br> The borrower has been making the payments as per the second loan modification which was made on xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 96224972 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $108504.09 | 9.500% | $1092.27 | $1641.01 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is currently delinquent for ?? months. The last payment was received on xx/XX/????, the payment applied date was xx/XX/???? and the next due date for payment is xx/XX/????. The P&I is in the amount of $?,???.?? and PITI is in the amount of $?,???.??. The UPB reflected as per the payment history is in the amount of $???,???.??. <br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 85.500% | 0.000% | 0.000% | 56.000% | $XX | $XX |
| 94064216 | xx | xx | xx | xx | xx |  |  | xx | xx | Arkansas | xx | $28384.43 | 3.000% | $198.83 | $198.83 | 2025-XX-XX | 2024-XX-XX | 2 | According to the latest payment history as of xx/XX/????, the borrower is currently delinquent for ? months and the next due date for the payment is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.??, which was applied for xx/XX/????. The current UPB reflected as per the payment history is in the amount of $??,???.??. The borrower has been making the payments as per the modification agreement dated xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 119.000% | 0.000% | 0.000% | 34.100% | $XX | $XX |
| 53208210 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $129063.59 | 7.125% | $1203.65 | $2040.45 | 2018-XX-XX | 2018-XX-XX | 4 | According to the review of latest payment history dated xx/XX/????, the borrower has been delinquent from xx/XX/???? to xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date xx/XX/????. The current unpaid principal balance is $???,???.??. The current P&I is $?,???.?? and current interest rate is ?.???. The borrower is paying according to the loan modification agreement dated xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 91189554 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | $172231.51 | 2.000% | $545.63 | $1208.63 | 2018-XX-XX | 2014-XX-XX | 53 | Review of updated payment history shows that the loan is in delinquency for more than ??? days. The borrower is not making his monthly payments. The last payment was received on xx/XX/???? in the amount of $???.?? with interest rate of ?.??% for the due date of xx/XX/????. The next due date is xx/XX/????. The latest payment history shows the UPB in the amount of $???,???.??. Borrower is making the payments according to the disclosure statement along with mod dated on xx/XX/???? available at "xx". | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 53730176 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Wisconsin | xx | $128396.31 | 4.750% | $727.55 | $1079.76 | 2018-XX-XX | 2018-XX-XX | 1 | The review of updated payment history as of xx/XX/????, the subject loan is currently performing and the next due date of payment is xx/XX/????. The last payment (P&I) was received on xx/XX/???? in the amount of $???.?? for the due date of xx/XX/????. The UPB as of the date is mentioned in the updated payment history is in the amount of $???,???.??. Borrower is currently making payments according to the original Note terms. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 61082415 | xx | xx | xx | xx | xx |  |  | xx | xx | Mississippi | xx | $37422.05 | 4.999% | $379.41 |  | 2024-XX-XX | 2024-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is currently delinquent for ?? months. The last payment was received on xx/XX/????, the payment applied date was xx/XX/???? and the next due date for payment is xx/XX/????. The P&I is in the amount of $???.??. The UPB reflected as per the payment history is in the amount of $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 32252285 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $181546.14 | 4.250% | $793.63 | $1162.60 | 2024-XX-XX | 2024-XX-XX | 0 | According to payment history, the borrower is making payment consistently and next due for xx/XX/????. The last payment was received on xx/XX/???? in the total amount of $???.?? which was applied on xx/XX/????. As per tape data, the new principal balance is$???,???.??. The borrower has been making payments as per modification agreement. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 91.100% | 0.000% | 0.000% | 58.300% | $XX | $XX |
| 75826237 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $1371049.15 | 4.125% | $7767.15 | $9314.11 | 2018-XX-XX | 2009-XX-XX | 104 | As per the review of payment history, the borrower is delinquent more than ??? days. The last payment was received on xx/XX/???? in the amount $?,???.?? which was applied to xx/XX/????. The next due date is xx/XX/????. The payment was received as per modification agreement. The payment history does not shows current UPB. Hence, value is taken from tape data in the amount of $?,???,???.??. The last payment was received as the interest rate modification certificate (xx) | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 94194444 | xx | xx | xx | xx | xx |  |  | xx | xx | Missouri | xx | $69839.57 | 8.375% | $938.69 | $1475.33 | 2024-XX-XX | 2024-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is currently delinquent for ?? months and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? for the due date of xx/XX/????. The unpaid principal balance reflected as of the date is $??,???.??. The borrower has been making payments as per the note terms with interest rate of ?.???% and P&I of $???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 83.700% | 0.000% | 0.000% | 38.500% | $XX | $XX |
| 50710462 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | $253637.14 | 6.125% | $1762.07 |  | 2018-XX-XX | 2012-XX-XX | 74 | The Payment History dated as of xx/XX/???? reveals that the borrower has been the delinquent from xx/XX/???? to till date. The delinquency has been done for ?? months. The last payment was received on is not available in the provided payment history. The last payment was made in the amount of $?,???.?? and it was applied for the due date xx/XX/????. The current P&I is $?,???.?? and rate of interest is ?.????%. The current unpaid principal balance is in the amount of $???,???.??. The last payment was made by borrower as per the Note. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 82784688 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $94718.93 | 6.250% | $615.72 | $615.72 | 2018-XX-XX | 2011-XX-XX | 82 | Review of latest payment history as of xx/XX/???? shows that the borrower is delinquent for more than ?? months and next payment due date is xx/XX/????. The last funds were received on xx/XX/???? and was placed into suspense. No other funds or payments were made during the last ?? months since the loan was boarded with the current servicer on xx/XX/????. The UPB is being reflected per tape data in the amount of $??,???.?? with a rate of ?.??% and P&I payment of $???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 5417178 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | $496116.09 | 4.875% | $2665.89 |  | 2024-XX-XX | 2025-XX-XX | 0 | As per the review of payment history, the borrower is delinquent for ?? months and next due date xx/XX/????. The borrower has not done even a single payment since last one year. Therefore unable to determine the last payment received date.<br> As per the tape data, the last payment was made in the amount of $?,???.??, with the rate of interest ?.???%. <br> The UPB is reflecting in the amount of $???,???.??. The borrower is making payment as per "Note document". The loan has not been modified since origination. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 39963388 | xx | xx | xx | xx | xx |  |  | xx | xx | Massachusetts | xx | $301134.10 | 4.000% | $1374.48 | $1997.00 | 2018-XX-XX | 2017-XX-XX | 9 | According to the payment history as of xx/XX/????, the borrower is currently delinquent for ? months. The last payment was received on xx/XX/????, the payment applied date was xx/XX/???? and the next due date for payment is xx/XX/????. The P&I is in the amount of $$?,???.??. The UPB reflected as per the payment history is in the amount of $???,???.??. The borrower has been making payments as per the modification agreement. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 46614679 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $285829.36 | 6.625% | $1984.96 | $3389.15 | 2025-XX-XX | 2025-XX-XX | 0 | The review of the payment history shows that, the borrower is currently delinquent for more than ?? months and the next due date is for xx/XX/????.<br> The last payment was received on in the amount of $?,???.??, which was applied for xx/XX/????. The UPB stated in the payment history is $???,???.??. The Current P&I is $?,???.?? and PITI is $?,???.??, with the interest rate of ?.???%. Currently, the borrower has been making the payments as per note.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 69.200% | 0.000% | 13.800% | 48.400% | $XX | $XX |
| 99421435 | xx | xx | xx | xx | xx |  |  | xx | xx | California | xx | $226484.45 | 5.000% | $1186.84 | $1927.99 | 2024-XX-XX | 2024-XX-XX | 0 | According to the latest payment history as of xx/XX/????, the borrower is delinquent from xx/XX/????, the last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date xx/XX/????. The current unpaid principal balance is $???,???.??. The current P&I is $?,???.?? and the current Interest rate is ?.???%. The borrower is paying according to the modification agreement dated xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 74.900% | 0.000% | 0.000% | 54.300% | $XX | $XX |
| 24366946 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $58870.87 | 7.750% | $480.00 | $480.00 | 2024-XX-XX | 2025-XX-XX | 0 | The review of the payment history shows that, the borrower is currently delinquent for more than ?? months and the next due date for payment is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied for xx/XX/????. <br> The current UPB stated in the payment history is $??,???.??. The current P&I is $???.?? and PITI is $???.??. Currently, the borrower has been making the payments as per the note. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 200.800% | 0.000% | 0.000% | 128.000% | $XX | $XX |
| 7239882 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $153058.36 | 3.625% | $610.85 | $941.88 | 2018-XX-XX | 2017-XX-XX | 11 | As per the review of the payment history, the borrower has been delinquent for ?? months and next payment is due for xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied for xx/XX/????. The UPB is $???,???.??. The current P&I is $???.?? and PITI is $???.??The borrower has been making his payments as per the ???? mod agreement. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2017-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 54221748 | xx | xx | xx | xx | xx |  |  | xx | xx | Louisiana | xx | $95319.90 | 5.875% | $519.28 | $715.97 | 2024-XX-XX | 2024-XX-XX | 2 | The review of payment history as of xx/XX/???? the borrower is delinquent for ? months. The next payment is due date is for xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied for xx/XX/????. The current P&I is $???.?? and PITI is $???.??.The UPB is reflecting is in the amount of $??,???.??. The borrower has been making payment as per modification which was made on xx/XX/????.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 84.900% | 0.000% | 0.000% | 22.400% | $XX | $XX |
| 79279920 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $219265.72 | 7.875% | $1504.95 | $2502.00 | 2018-XX-XX | 2015-XX-XX | 31 | Review of payment history as of dated xx/XX/???? shows that the borrower is not making regular payments. The loan payments are currently ?? months delinquent. The next due date is xx/XX/????. The last payment was received on xx/XX/???? in the total amount of $?,???.?? for the due date of xx/XX/????. The unapid principal balance as per tape data is in the amount of $???,???.??. The current interest rate is ?.???% with P&I in the amount of $?,???.??. <br> The borrower is currently making payments as per modification agreement made on effective date of xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 47329965 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | $52287.77 | 12.250% | $694.75 | $847.18 | 2025-XX-XX | 2024-XX-XX | 0 | As of xx/XX/???? payment history, the borrower has been delinquent for ?? months and next payment due date was for xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.??, which was applied for the due date of xx/XX/????.<br> As per the deferment agreement found at the location (xx), which had been made on xx/XX/????. The amount of $?,???.?? is stated to be deferred and would be payable at the time of loan maturity date of xx/XX/????.<br> As per the Notice of payment change dated xx/XX/????, the new total payment is $???.??, escrow has increased from $???.?? to $???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 90.700% | 0.000% | 0.000% | 56.100% | $XX | $XX |
| 20389014 | xx | xx | xx | xx | xx |  |  | xx | xx | Missouri | xx | $97624.77 | 5.875% | $559.77 | $632.93 | 2025-XX-XX | 2024-XX-XX | 0 | The Payment History dated as of xx/XX/???? reveals that the borrower has been the delinquent from xx/XX/???? to till date. The delinquency has been done for ? months. The last payment was received on xx/XX/???? in the amount of $???.?? and it was applied for the due date xx/XX/????. The current P&I is $???.?? and rate of interest is ?.???%. The current unpaid principal balance is in the amount of $??,???.??. The last payment was made by borrower as per the Note and loan extention agreement which was made on xx/XX/????. The loan is ARM. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 114.000% | 0.000% | 0.000% | 73.500% | $XX | $XX |
| 19162608 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | $175558.45 | 3.375% | $998.22 | $1542.56 | 2018-XX-XX | 2016-XX-XX | 19 | The review of payment history shows that the borrower is delinquent for ?? months and next due date for the payment is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $????.?? for due date xx/XX/????. The UPB is reflected in the amount of $???,???.?? till the due date of xx/XX/????. The borrower has been making the payments as per the modification agreement.  | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2016-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 63280678 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $50481.15 | 12.050% | $592.16 | $919.46 | 2025-XX-XX | 2025-XX-XX | 0 | According to payment history as of dated xx/XX/????, the borrower delinquent more than ?? months and next due for xx/XX/????. The last payment was received on xx/XX/???? for the amount of $???.?? which was applied on xx/XX/????. The new UPB is reflected in the payment history for the amount of $?????.??. However, the borrower making payment as per modification agreement rate.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 77.700% | 0.000% | 0.000% | 47.600% | $XX | $XX |
| 85660488 | xx | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $55118.44 | 9.625% | $600.17 | $751.73 | 2018-XX-XX | 2007-XX-XX | 133 | The Payment History dated as of xx/XX/???? reveals that the borrower has been the delinquent from xx/XX/???? to till date. The delinquency has been done for ??? months. The last payment was made in the amount of $???.?? and it was applied for the due date xx/XX/????. The current P&I is $???.?? and rate of interest is ?.???%. The current unpaid principal balance is in the amount of $??,???.??. The last payment was made by borrower as per the loan modification agreement which was made on xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 12049549 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | $138122.24 | 5.000% | $696.08 | $937.16 | 2024-XX-XX | 2025-XX-XX | 0 | According to payment history as of dated xx/XX/????, the borrower delinquent for more than ??? days and next due for xx/XX/????. The last payment was received on xx/XX/???? for the amount of $???.?? with interest rate ?.??% which was applied for the due date xx/XX/????. The new UPb reflected for the amount of $???,???.??. However, the borrower making payment as per previous modification located at "xx" made on xx/XX/????. The latest modification located at "xx" made on xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 132.000% | 0.000% | 0.000% | 91.600% | $XX | $XX |
| 48677946 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $48386.81 | 4.000% | $207.27 | $360.27 | 2018-XX-XX | 2018-XX-XX | 2 | Review of updated payment history shows that the loan is in delinquency for ? months and borrower is making his monthly payments. The last payment was received on xx/XX/???? in the amount of $???.?? for the due date of xx/XX/???? with interest rate of ?.??%. The next due date is xx/XX/????. The latest payment history reflect the UPB in the amount of $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 58052412 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Hawaii | xx | $475156.05 | 6.125% | $2657.18 | $3118.19 | 2018-XX-XX | 2012-XX-XX | 79 | According to the latest payment history, the borrower is delinquent for ?? months and the next due date for the payment is xx/XX/????. The last payment received information is not available. The current unpaid principal balance taken as per the tape data is $???,???.??. The borrower has been making the payments as per the Modification agreement dated xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 27714665 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | $332825.93 | 4.820% | $1652.44 | $2278.52 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is currently delinquent for ?? months. The last payment was received on xx/XX/???? which was applied on xx/XX/????.The next due date for the payment is xx/XX/????. The P&I is in the amount of $?,???.?? with interest rate is ?.????%.The PITI is in the amount of $?,???.??.The UPB reflected as per the payment history is in the amount of $???,???.??.The borrower is making payments as per modification.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 78.400% | 0.000% | 16.800% | 67.200% | $XX | $XX |
| 4843187 | xx | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $293986.97 | 4.250% | $1473.19 | $1833.31 | 2018-XX-XX | 2017-XX-XX | 14 | The review of updated payment history as of xx/XX/????, the subject loan is currently delinquent for +??? days and the next due date of payment is xx/XX/????. The last payment (P&I) was received on xx/XX/???? in the amount of $?,???.?? for the due date of xx/XX/????. The UPB as of the date is mentioned in the updated payment history is in the amount of $???,???.??. Borrower is currently making payments according to the original Note terms. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2017-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 91602793 | xx | xx | xx | xx | xx |  |  | xx | xx | California | xx | $201977.53 | 5.000% | $1424.09 | $1831.36 | 2024-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is currently delinquent for ? months and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied to xx/XX/????. The UPB reflected as per the payment history is in the amount of $???,???.??. The borrower has been making payment as per the modification agreement dated xx/XX/???? with the interest rate of ?.??? % and P&I of $?,???.??.<br> According to the tape data as of xx/XX/????, the next due date is xx/XX/???? and the UPB as per tape data is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 82.200% | 0.000% | 0.000% | 64.900% | $XX | $XX |
| 37936527 | xx | xx | xx | xx | xx |  |  | xx | xx | California | xx | $402755.19 | 3.000% | $1481.49 | $1813.45 | 2025-XX-XX | 2025-XX-XX | 0 | The review of payment history as of xx/XX/????, the borrower is currently delinquent for ? month and next due date is for xx/XX/????. The last payment was received on xx/XX/???? in the amount of $????.?? which was applied for xx/XX/????. The current P&I is $????.?? and PITI is $????.??. The UPB reflected in the payment history is in the amount of $???,???.??. The borrower has been making payment as per Modification. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 103.400% | 0.000% | 21.700% | 76.100% | $XX | $XX |
| 10205761 | xx | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $193701.07 | 3.750% | $1029.05 | $1572.37 | 2025-XX-XX | 2025-XX-XX | 2 | According to the payment history as of xx/XX/????, the borrower is currently delinquent for ? months. The last payment was received on xx/XX/????, the payment applied date was xx/XX/???? and the next due date for payment is xx/XX/????. The P&I is in the amount of $?,???.?? and PITI is in the amount of $?,???.??. The UPB reflected as per the payment history is in the amount of $???,???.??. The borrower has been paying as per the Note. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 233.900% | 0.000% | 21.100% | 74.000% | $XX | $XX |
| 66363601 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Oklahoma | xx | $153390.61 | 5.250% | $1017.29 | $1094.63 | 2018-XX-XX | 2016-XX-XX | 22 | According to the payment history as of xx/XX/????, the borrower is currently delinquent for ?? months and due for the xx/XX/???? payment. The last payment was received on xx/XX/???? and was applied to the xx/XX/???? payment. The UPB reflected as per the payment history is in the amount of $???,???.??. The P&I is in the amount of $?,???.?? and PITI is in the amount of $?,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 32611490 | xx | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $99902.57 | 4.500% | $451.85 | $662.36 | 2024-XX-XX | 2024-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is currently delinquent for ? months and due for the xx/XX/???? payment. The last funds were received on xx/XX/???? in the amount of $??.?? and were placed into suspense. The last payment was applied on xx/XX/???? from unapplied funds in the amount of $???.?? to the xx/XX/???? payment. The UPB reflected as per the payment history is in the amount of $??,???.??. The P&I is in the amount of $???.?? and PITI is in the amount of $???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 63.000% | 0.000% | 0.000% | 44.300% | $XX | $XX |
| 73113247 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $195583.95 | 4.000% | $651.95 | $827.26 | 2025-XX-XX | 2025-XX-XX | 0 | The latest payment history as of xx/XX/???? reveals that the borrower is delinquent for one month and next payment due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied to xx/XX/????. The current UPB is reflecting is in the amount of $???,???.??. <br> The borrower has been making the payment as per the loan Modification agreement which was executed on xx/XX/???? with interest only payment of $???.?? and interest rate of ?.??? %.  | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 150.900% | 0.000% | 34.300% | 120.200% | $XX | $XX |
| 79340806 | xx | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $46669.15 | 4.125% | $201.28 | $418.95 | 2025-XX-XX | 2024-XX-XX | 0 | The review of payment history shows that the borrower is delinquent for ? months and next due date for the payment is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? for due date xx/XX/????. The UPB is reflected in the amount of $??,???.?? till the due date of xx/XX/????. The borrower has been making the payments as per the modification agreement.  | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 96.600% | 0.000% | 0.000% | 63.200% | $XX | $XX |
| 78401450 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | $57124.59 | 6.250% | $427.73 | $555.80 | 2025-XX-XX | 2025-XX-XX | 0 | The review of payment history as of xx/XX/???? shows that the borrower is currently ?? days delinquent and due for the xx/XX/???? payment. The last payment was received on xx/XX/???? in the amount of $?,???.?? and was applied to the xx/XX/???? and xx/XX/???? payments. The UPB in the payment history is reflected in the amount of $??,???.??. The current P&I is $???.?? and the current PITI is $???.??. The borrower has been making the payments as per the modification agreement. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 83.700% | 0.000% | 0.000% | 56.300% | $XX | $XX |
| 95787313 | xx | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $36865.40 | 4.250% | $165.66 | $404.12 | 2024-XX-XX | 2025-XX-XX | 0 | According to payment history available as of xx/XX/????, the borrower is making regular payments. The last payment was received on xx/XX/????, the payment applied date was xx/XX/???? and the next due date for payment is xx/XX/????. The P&I is in the amount of $???.??and PITI is in the amount of $???.??. The UPB(including deferred) reflected as per the payment history is in the amount of $??,???.??. The borrower is making payments as per modification. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 71.100% | 0.000% | 0.000% | 48.000% | $XX | $XX |
| 79840105 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $187312.50 | 2.000% | $581.70 | $949.79 | 2018-XX-XX | 2018-XX-XX | 0 | The review of the payment history as of date xx/XX/???? shows that the borrower is current with the loan and the next due date for the payment is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.??, which was applied for xx/XX/????. The current UPB reflected in the latest payment history is in the amount of $???,???.??. The borrower has been making the payments as per the modification agreement dated xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 35074983 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | $208176.05 | 2.000% | $842.52 | $1614.16 | 2018-XX-XX | 2015-XX-XX | 38 | According to the payment history as of xx/XX/????, the borrower is currently delinquent for ?? months. The last payment was received on xx/XX/????, the payment applied date was xx/XX/???? and the next due date for payment is xx/XX/????. The P&I is in the amount of $???.?? and PITI is in the amount of $?,???.??. The UPB reflected as per the payment history is in the amount of $$???,???.??.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 6601110 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | $254380.76 | 5.875% | $1389.56 | $1822.17 | 2024-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is delinquent for ?? months and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The UPB is reflected in the amount of $???,???.??. The loan has been modified since origination. The borrower has been making the payment as per the modification which was made on xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 104.200% | 0.000% | 0.000% | 66.600% | $XX | $XX |
| 2898967 | xx | xx | xx | xx | xx |  |  | xx | xx | California | xx | $237878.46 | 3.250% | $1436.61 | $1935.79 | 2018-XX-XX | 2017-XX-XX | 12 | The review of payment history shows that the borrower has been delinquent for ?? months and next due date for the payment is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $????.?? for due date xx/XX/????. The UPB is reflected in the amount of $???,???.?? till the due date of xx/XX/????. The borrower has been making the payments as per the ARM notice (Doc Locator:xx). | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 25380964 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | $149492.66 | 6.250% | $852.44 | $1207.80 | 2024-XX-XX | 2025-XX-XX | 0 | Review of the payment history dated from xx/XX/???? to xx/XX/???? states that the borrower has been delinquent for more than ??? days. The last payment was received in the amount of $?,???.?? which was applied to due date xx/XX/????, and the next due date is xx/XX/????. Current UPB reflects in the provided payment history is in the amount of $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 82.400% | 0.000% | 0.000% | 54.700% | $XX | $XX |
| 35368715 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Missouri | xx | $198898.16 | 5.500% | $1050.85 | $1778.98 | 2018-XX-XX | 2017-XX-XX | 13 | As per review of the payment history dated xx/XX/????, the borrower is currently delinquent for ?? months and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for xx/XX/????. The UPB reflected in the latest payment history is in the amount of $???,???.??.The borrower has made the payment as per the modification term. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 62272686 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | $315482.94 | 5.000% | $1594.04 | $2363.24 | 2025-XX-XX | 2025-XX-XX | 0 | The review of the payment history shows that the borrower is not making regular payments and the borrower is ?? months delinquent. The last payment was received on xx/XX/???? in the amount of $?,???.??, which was applied to xx/XX/???? payment. The next due date is xx/XX/????. The UPB as per payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 169.700% | 0.000% | 13.600% | 49.600% | $XX | $XX |
| 16894221 | xx | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $140557.12 | 5.500% | $872.12 | $1108.15 | 2024-XX-XX | 2025-XX-XX | 0 | The Payment History dated as of xx/XX/???? reveals that the borrower has been the delinquent from xx/XX/???? to present. The last payment was received on xx/XX/???? in the amount of $????.?? and it was applied for the due date xx/XX/????. The current P&I is $???.?? and rate of interest is ?.?%. The current unpaid principal balance is in the amount of $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 186.600% | 0.000% | 0.000% | 271.800% | $XX | $XX |
| 42359944 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | $215980.55 | 3.625% | $1123.66 | $1569.48 | 2018-XX-XX | 2012-XX-XX | 69 | According to the payment history as of xx/XX/????, the borrower is currently delinquent for ?? months. The last payment received on xx/XX/????, the payment applied date was xx/XX/???? and the next due date for payment is xx/XX/????. The P&I is in the amount of $?,???.?? and PITI is in the amount of $?,???.??. The UPB reflected as per the payment history is in the amount of $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2012-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 99409310 | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $219339.33 | 5.000% | $1235.37 | $1737.62 | 2025-XX-XX | 2024-XX-XX | 1 | The loan is currently delinquent and due for the xx/XX/???? payment. The last payment was received on xx/XX/???? in the amount of $?,???.?? and was applied to the September ???? payment. The current UPB per the tape minus the deferred balance from the loan modification is $???,???.?? and the deferred balance is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 77.700% | 0.000% | 0.000% | 51.900% | $XX | $XX |
| 27558455 | xx | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $245694.40 | 3.875% | $1017.73 | $1818.33 | 2024-XX-XX | 2025-XX-XX | 0 | According to the review of payment history as of xx/XX/????, the borrower is delinquent for ? months. The last payment was received on xx/XX/????, the payment applied date was xx/XX/???? and the next due date for payment is xx/XX/????. The P&I is in the amount of $?,???.?? and PITI is in the amount of $?,???.??. As per the tape data as of xx/XX/????, the UPB reflected in the amount of $???,???.??. The borrower has been making the payments as per the modification term which was done in the year of ????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 58.800% | 0.000% | 0.000% | 39.700% | $XX | $XX |
| 98081671 | xx | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $228769.21 | 4.990% | $1400.85 | $2002.49 | 2018-XX-XX | 2018-XX-XX | 7 | The review of payment history as of xx/XX/???? the borrower is currently delinquent for ? month and next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $????.?? which was applied for xx/XX/????. The current P&I is $????.?? and PITI is $????.??. The UPB reflected in the payment history is in the amount of $???,???.??. The borrower has been making payment as per Note terms. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 33919705 | xx | xx | xx | xx | xx |  |  | xx | xx | Minnesota | xx | $296430.49 | 2.000% | $520.82 | $777.15 | 2024-XX-XX | 2025-XX-XX | 0 | As per the review of payment history, the borrower is delinquent more than ??? days. The last payment was received on xx/XX/???? in the amount $???.?? which was applied to xx/XX/????. The next due date is xx/XX/????. The payment was received as per modification agreement. The payment history does not show current UPB. Hence, value is taken from the tape data in the amount of $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 100.400% | 0.000% | 0.000% | 82.200% | $XX | $XX |
| 66631843 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $32464.35 | 2.000% | $109.89 | $648.11 | 2024-XX-XX | 2025-XX-XX | 0 | The review of the payment history shows that the borrower is delinquent for more than ??? days and the loan is due for xx/XX/????. Last payment of $???.?? was received on xx/XX/???? for the due date of xx/XX/????. As of date xx/XX/????, the current UPB is $?????.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 76.500% | 0.000% | 0.000% | 64.300% | $XX | $XX |
| 77756306 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | $271563.25 | 4.625% | $1278.44 | $1590.46 | 2024-XX-XX | 2025-XX-XX | 0 | The Payment History is missing from xx/XX/???? to xx/XX/???? as we required latest ?? months complete payment history. However; the tape data shows the borrower is delinquent for ?? months and next payment due date was for xx/XX/????. The last payment was received on ?/XX/xx/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The UPB is being reflected in payment history in the amount of $???,???.?? & Accrued interest in the amount of $??,???.??. The borrower is making payments as per modification interest rate and terms. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 101.000% | 0.000% | 0.000% | 79.100% | $XX | $XX |
| 76233623 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $199483.77 | 4.500% | $920.88 | $1405.26 | 2018-XX-XX | 2017-XX-XX | 8 | As per the review of the payment history, the borrower has been delinquent for ? months and the next payment is due for xx/XX/????. The last payment was received on xx/XX/???? in the amount $?,???.?? which was applied for xx/XX/????. The UPB is $???,???.??. The current P&I is $???.??and PITI is $?,???.??. The borrower has been making his payments as per the ???? mod terms. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 53988264 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | $136919.33 | 7.625% | $932.57 | $1154.40 | 2024-XX-XX | 2025-XX-XX | 0 | <br> The Payment History dated xx/XX/???? reveals that the borrower has been the delinquent from xx/XX/???? to till date. The delinquency has been done for more than ? months. The last payment was received in the amount of $?,???.?? which was applied for the due date of xx/XX/????.<br> The payment history reflects current unpaid principal balance is in the amount of $???,???.??.<br> The loan was modified xx/XX/????; borrower is making the payment as per modification at the interest rate of ?.???% and P&I $???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 57.000% | 0.000% | 0.000% | 79.000% | $XX | $XX |
| 76658544 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | $432321.51 | 3.750% | $1577.15 | $2404.37 | 2024-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is currently delinquent for ?? months. The last payment received on xx/XX/????, the payment applied date was xx/XX/???? and the next due date for payment is xx/XX/????. The P&I is in the amount of $?,???.?? and PITI is in the amount of $?,???.??. The UPB reflected as per the payment history is in the amount of $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 267.400% | 0.000% | 0.000% | 478.600% | $XX | $XX |
| 87392469 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $196488.05 | 2.000% | $424.32 | $1067.50 | 2024-XX-XX | 2025-XX-XX | 0 | The payment history is missing in the loan files. As per the payment history dated xx/XX/????, the last payment has been made on xx/XX/???? in the amount of $????.?? for the due date of xx/XX/????, the loan is next due for xx/XX/????. Currently the borrower is ?? behind his scheduled payments. The current UPB is $??????.?? plus the deferred amount of $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 67.000% | 0.000% | 0.000% | 24.600% | $XX | $XX |
| 54895590 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $273606.09 | 4.125% | $614.52 | $1805.25 | 2024-XX-XX | 2025-XX-XX | 0 | As per review of the payment history dated xx/XX/????, the borrower is currently delinquent for ?? months and the next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied for xx/XX/????. The UPB reflected in the tape data is in the amount of $???,???.??.The borrower has made the payment as per the modification term. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 71.600% | 0.000% | 0.000% | 55.800% | $XX | $XX |
| 22633413 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $157858.32 | 4.000% | $932.83 | $2640.71 | 2018-XX-XX | 2017-XX-XX | 9 | According to the review of payment history as of xx/XX/????, the borrower is delinquent for ? months. The next payment due date is for xx/XX/????. <br> The last payment was received in the amount of $?,???.??, with rate of interest ?.???%, which was applied for xx/XX/????. <br> The UPB reflected is in the amount of $???,???.??.<br> The Current P&I $???.?? and PITI is $?,???.??.<br> The borrower is making payment as per modification, which was made on xx/XX/????.<br> The loan has been modified once since origination. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 95109653 | xx | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $145628.02 | 6.875% | $1310.57 | $1786.49 | 2018-XX-XX | 2017-XX-XX | 18 | Review of the payment history provided from xx/XX/???? to xx/XX/???? reveals that borrower has been the delinquent for more than ??? days. The last payment was received in the amount of $?,???.?? on xx/XX/???? which was applied for the due date of xx/XX/????. The next due date is xx/XX/????. The UPB as of the date has not been mentioned in the updated payment history. Hence, we have considered the UPB per tape data in the amount of $???,???.?? and current interest rate as per payment history is ?.???%. Borrower is currently making the payment according to the note terms. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2017-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 74933444 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $96130.85 | 7.500% | $600.82 | $846.68 | 2024-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is making regular payments and the next due is on xx/XX/????. The last payment was received date is xx/XX/???? in the amount of $???.?? which was applied for the due date was xx/XX/????. The payment history reflects current unpaid principal balance is in the amount of $??,???.??. The borrower is making the payment as per ARM note at the interest rate of ?.??% and P&I $???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 116.000% | 0.000% | 0.000% | 78.500% | $XX | $XX |
| 1159622 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $148866.20 | 10.000% | $1240.55 | $1240.55 | 2024-XX-XX | 2025-XX-XX | 0 | Review of updated payment history shows that the loan performing and borrower is making his monthly payments. The last payment was received on xx/XX/???? in the amount of $?,???.?? with interest rate of ??.??% for the due date of xx/XX/????. The next due date is xx/XX/????. The latest payment history reflects the UPB in the amount of $???,???.??. The borrower has been making the payments as per the ARM note terms. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 75.000% | 0.000% | 0.000% | 50.000% | $XX | $XX |
| 28573117 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $152876.75 | 8.000% | $1019.18 | $1392.00 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of dated xx/XX/????. The borrower is current, The borrower is making the payment regular and next payment due date are for xx/XX/????. The last payment was received on xx/XX/???? which was applied to the due date of xx/XX/????.The P&I is $?,???.?? with interest rate ?.??? % and the PITI is $?,???.??.As per payment history, the UPB is reflecting is in the amount of $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 116.700% | 0.000% | 23.600% | 115.400% | $XX | $XX |
| 83640593 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Nebraska | xx | $77137.60 | 8.450% | $727.52 | $727.52 | 2025-XX-XX | 2025-XX-XX | 0 | The review of the payment history as of xx/XX/???? shows that the borrower has been delinquent for ?? months and the next due date for payment is xx/XX/????. The last payment was received on xx/XX/???? in the amount $???.?? which was applied to xx/XX/????. The UPB reflected is in the amount of $??,???.??. The borrower has been making payment as per the Note. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 114.000% | 0.000% | 17.700% | 63.000% | $XX | $XX |
| 75589699 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | $174856.52 | 3.430% | $650.00 | $828.28 | 2024-XX-XX | 2025-XX-XX | 0 | As per the review of the payment history, the borrower has been delinquent for ?? months and the next payment is due for xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied for xx/XX/????. The UPB is $???,???.??. The current P&I is $???.?? and PITI is $???.??. The borrower has been making his payments as per the note terms. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 171.000% | 0.000% | 0.000% | 145.800% | $XX | $XX |
| 92560399 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Connecticut | xx | $173176.92 | 4.090% | $1083.68 | $1719.38 | 2018-XX-XX | 2014-XX-XX | 45 | Review of payment history as of dated xx/XX/???? shows that borrower is not making regular payments. The loan payments are currently ?? months delinquent. The next due as per tape data is xx/XX/????. The last payment received date as per tape data is xx/XX/????. The payment was made in the total amount of $?,???.?? for the due date of xx/XX/????. The unpaid principal balance as per payment history is in the amount of $???,???.??. The current interest rate is ?.???% with P&I in the amount of ?,???.??. <br> The borrower has been making payments as per original note terms. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2014-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 21633272 | xx | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $105985.92 | 7.500% | $844.20 | $1183.16 | 2025-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is currently delinquent for ?? months. The last payment was received on xx/XX/????, the payment applied date was xx/XX/???? and the next due date for payment is xx/XX/????. The P&I is in the amount of $???.?? and PITI is in the amount of $?,???.??. The UPB reflected as per the payment history is in the amount of $???,???.??.  | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 104.600% | 0.000% | 21.800% | 76.400% | $XX | $XX |
| 2913512 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $83041.44 | 6.000% | $556.36 | $935.63 | 2018-XX-XX | 2015-XX-XX | 36 | According to the payment history as of xx/XX/????, the borrower is delinquent from more than ?? months and next due for xx/XX/????.The last payment was received on xx/XX/???? in the amount of $???.?? with an interest rate of ?.???%, which was applied for xx/XX/????. The new UPB reflected is in the amount of $??,???.??. However, the borrower is making payment as per the modification agreement which was made on xx/XX/????.<br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 69498514 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $139538.59 | 5.750% | $779.49 | $1688.41 | 2024-XX-XX | 2025-XX-XX | 0 | Review of the payment history provided from xx/XX/???? to xx/XX/???? reveals that borrower has been the delinquent for more than ??? days. The last payment was received in the amount of $?,???.?? on xx/XX/???? which was applied for the due date of xx/XX/????. The next due date is xx/XX/????. Current UPB as of date reflects in the provided payment history is in the amount of $???,???.?? and current interest rate as per payment history is ?.???%. Borrower is currently making the payment according to the mod terms. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 69.300% | 0.000% | 0.000% | 47.200% | $XX | $XX |
| 3496094 | xx | xx | xx | xx | xx |  |  | xx | xx | Kentucky | xx | $109095.76 | 4.625% | $802.37 | $941.12 | 2018-XX-XX | 2018-XX-XX | 1 | As per the review of the payment history, the borrower has been current with the loan and the next payment is due for xx/XX/????. The last payment was received on xx/XX/???? in the amount $???.?? which was applied for xx/XX/????. The UPB is $???,???.??. The current P&I is $???.?? and PITI is $???.??. The borrower has been making his payments as per Note ARM terms. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 72495414 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $227631.90 | 2.000% | $742.26 | $1099.78 | 2024-XX-XX | 2025-XX-XX | 0 | <br> The Payment History dated xx/XX/???? reveals that the borrower has been the delinquent from xx/XX/???? to till date. The delinquency has been done for more than ? month. The last payment was received in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The payment history reflects current unpaid principal balance is in the amount of $???,???.??.<br> The loan was modified on xx/XX/????. The borrower is making the payment as per modification with the interest rate of ?.??% and P&I of $???.??.  | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 173.700% | 0.000% | 0.000% | 120.500% | $XX | $XX |
| 6013968 | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $207249.92 | 6.250% | $1305.30 | $1356.00 | 2024-XX-XX | 2024-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is delinquent for ? months. The next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied for the due date of xx/XX/????. The UPB reflected in the payment history is in the amount of $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 110.200% | 0.000% | 0.000% | 82.500% | $XX | $XX |
| 86880494 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $156933.31 | 3.875% | $778.32 | $1368.38 | 2018-XX-XX | 2017-XX-XX | 20 | According to the review of the payment history, the borrower is delinquent for ???+ days and the next due is on xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied on xx/XX/????. The UPB is $???,???.??. The P&I is $???.?? and PITI is $?,???.??. The borrower has been making his payments as per the ???? mod terms. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 28247610 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | $316770.07 | 3.625% | $1283.17 | $1283.17 | 2024-XX-XX | 2025-XX-XX | 0 | Review of updated payment history shows that the loan is performing and borrower is making his monthly payments. The last payment was received on xx/XX/???? in the amount of $?,???.?? with interest rate of ?.???% for the due date of xx/XX/????. The next due date is xx/XX/????. The latest payment history reflects the UPB in the amount of $???,???.??. The borrower has been making the payments as per the modification agreement made on xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 122.100% | 0.000% | 0.000% | 84.300% | $XX | $XX |
| 63407244 | xx | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $401087.12 | 4.875% | $2116.34 | $2571.68 | 2025-XX-XX | 2025-XX-XX | 0 | As per the payment history as of xx/XX/????, the borrower is currently delinquent from ? months and next due date is xx/XX/????. The last payment was received on xx/XX/???? for the amount of $?,???.?? with an interest rate of ?.???%. The new UPB is reflected in the amount of $???,???.??. However, the borrower has been making payments as per the modification agreement which was made on xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 83.000% | 0.000% | 18.000% | 62.300% | $XX | $XX |
| 27183404 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Alabama | xx | $74104.90 | 3.418% | $286.86 | $286.86 | 2025-XX-XX | 2025-XX-XX | 0 | The Payment History dated as of xx/XX/???? reveals that the borrower has been the delinquent from xx/XX/???? to till date. The delinquency has been done for ?? months. The last payment was received on xx/XX/???? in the amount of $???.?? and it was applied for the due date xx/XX/????. The current P&I is $???.?? and rate of interest is ?.???%. The current unpaid principal balance is in the amount of $??,???.??. The last payment was made by borrower as per the loan modification agreement which was made on xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 129.200% | 0.000% | 0.000% | 82.100% | $XX | $XX |
| 8426018 | xx | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $232500.00 | 4.875% | $1230.41 | $1592.97 | 2019-XX-XX | 2018-XX-XX | 3 | Review of the updated payment history as of xx/XX/???? shows that the loan is in delinquency for +?? days and the next due date for the payment is xx/XX/????. The borrower hasn't made any single regular payment so far since origination the loan. The UPB has been mentioned in the updated payment history is in the amount of $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 88310795 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $137135.82 | 4.875% | $762.71 | $1324.35 | 2019-XX-XX | 2019-XX-XX | 0 | Review of the updated payment history as of xx/XX/???? shows that the loan is performing well currently and the next due date for the payment is xx/XX/????. The last regular payment (P&I) was made on xx/XX/???? in the amount of $???.?? for the due date of xx/XX/????. The UPB has been mentioned in the updated payment history in the amount of $???,???.??. The borrower has been making regular payments currently according to the original Note terms. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2019-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 14077771 | xx | xx | xx | xx | xx |  |  | xx | xx | California | xx | $182450.20 | 5.500% | $1056.09 | $1304.82 | 2025-XX-XX | 2024-XX-XX | 1 | Review of payment history shows that the borrower is not making the payments regularly. The borrower is delinquent for more than ?? days. The last payment was received on xx/XX/???? and that payment was applied for the due date of xx/XX/???? with the amount of $?,???.?? and interest rate of ?.???%. The next due date is xx/XX/????. The latest payment history reflects the UPB in the amount of $???,???.??. The borrower has been making the payments as per the loan modification. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 91.600% | 0.000% | 18.200% | 63.800% | $XX | $XX |
| 39168964 | xx | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $336558.71 | 5.000% | $1636.47 | $1636.47 | 2024-XX-XX | 2024-XX-XX | 0 | The review of the payment history shows that, the borrower is current with the loan and the next due date is for xx/XX/????. The last payment was received on xx/XX/????, in the amount of $?,???.??, which was applied for xx/XX/????. The UPB stated in the payment history is $???,???.??. The Current P&I is $?,???.?? and PITI is $?,???.??, with the interest rate of ?%. Currently, the borrower has been making the payments as per modification, which was made on xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 75.100% | 0.000% | 0.000% | 50.100% | $XX | $XX |
| 61323797 | xx | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $217717.79 | 5.000% | $1060.83 | $1078.83 | 2024-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower has been delinquent for ? months and the next due date for the payment is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $????.?? for the due date of xx/XX/????. The P&I is in the amount of $?,???.?? and PITI is in the amount of $?,???.?? with an interest rate of ?.?? %. The UPB reflected as per the payment history is in the amount of $???,???.??. The borrower has been making payments as per the modification agreement. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 81.900% | 0.000% | 0.000% | 49.200% | $XX | $XX |
| 28115137 | xx | xx | xx | xx | xx |  |  | xx | xx | Massachusetts | xx | $203003.79 | 5.500% | $1175.32 | $1475.44 | 2019-XX-XX | 2019-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is current with the loan. The last payment was received on xx/XX/????, the payment was applied for due date xx/XX/???? and the next due date for payment is xx/XX/????. The P&I is in the amount of $?,???.?? and PITI is in the amount of $?,???.?? with an interest rate of ?.???%. The UPB reflected as per the payment history is in the amount of $???,???.??. The borrower has been making payments as per the modification agreement. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2019-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 54607106 | xx | xx | xx | xx | xx |  |  | xx | xx | Washington D.C. | xx | $39517.50 | 5.250% | $447.07 | $659.17 | 2025-XX-XX | 2025-XX-XX | 0 | Review of the payment history provided from xx/XX/???? to xx/XX/???? reveals that borrower has not been delinquent. The last payment was received in the amount of $???.?? on xx/XX/???? which was applied for the due date of xx/XX/????. The next due date is xx/XX/????. Current UPB as of date reflects in the provided payment history is in the amount of $??,???.?? and current interest rate as per payment history is ?.???%. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 74.800% | 0.000% | 16.200% | 56.400% | $XX | $XX |
| 75428374 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Delaware | xx | $243487.14 | 5.000% | $1328.37 | $1328.37 | 2019-XX-XX | 2019-XX-XX | 0 | The payment history dated as of xx/XX/???? reveals that the borrower is making payment regularly. The payment next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? and it was applied for the due date of xx/XX/????. The current P&I is $?,???.?? and rate of interest is ?.??%. The current unpaid principal balance is in the amount of $???,???.??. The last payment was made by borrower as per the loan modification agreement which was made on xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2019-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 85548240 | xx | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $220873.97 | 4.400% | $930.48 | $1150.00 | 2019-XX-XX | 2019-XX-XX | 0 | According to payment history, the borrower is not delinquent and the next due for xx/XX/????. The last payment was received on xx/XX/???? for the amount of $???.?? which was applied on xx/XX/????. As per payment history report, the new UPB is $???,???.??. Currently the payment was done as per the modification agreement (xx). | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2019-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 55101209 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | $273907.43 | 5.000% | $1326.04 | $1326.04 | 2024-XX-XX | 2025-XX-XX | 0 | According to the payment history as of xx/XX/????, the borrower is currently making the regular payments and next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? with an interest rate of ?.??%. The new UPB is reflected in the amount of $???,???.??. The borrower has been making payments as per the modification agreement which was made on xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 75.000% | 0.000% | 0.000% | 50.000% | $XX | $XX |
| 90304071 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Nevada | xx | $166204.13 | 7.250% | $1066.65 | $1066.65 | 2019-XX-XX | 2019-XX-XX | 0 | Review of payment history shows that the borrower is making the payments regularly. The last payment was received on xx/XX/???? in the amount of $????.?? and that was applied for the due date of xx/XX/????. The next payment is due on xx/XX/????. As per payment history, the current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2019-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 37565687 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $241520.90 | 5.500% | $1377.40 | $2232.14 | 2019-XX-XX | 2019-XX-XX | 0 | According to the review of payment history as of xx/XX/????, the borrower is current with the payments.<br> The last payment was received on xx/XX/????, the payment applied date was xx/XX/???? and the next due date for payment is xx/XX/????.<br> The P&I is in the amount of $????.?? with an interest rate of ?.???%. The UPB reflected in the amount of $???,???.??.<br> The borrower has been making the payments as per the modification made on xx/XX/????. <br>| $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2019-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 62312001 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $57814.39 | 3.000% | $236.24 | $1253.83 | 2019-XX-XX | 2019-XX-XX | 0 | The review of payment history shows that the borrower is current with the loan and the next due date for the payment is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $????.?? for the due date of xx/XX/????. As per payment history, the current P&I is $???.??, current PITI is $????.??. The current unpaid principal balance is being reflected in the amount of $?????.??. The borrower has been making the payments as per the modification agreement. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2019-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 49618820 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $119097.09 | 3.375% | $487.07 | $856.29 | 2024-XX-XX | 2025-XX-XX | 0 | According to the payment history which is starting from xx/XX/???? to xx/XX/????, the borrower is current with the loan. The last payment was received on xx/XX/????, the payment applied date was xx/XX/???? and the next due date for payment is xx/XX/????. P&I received in the amount of $???.??. The UPB reflected as per the payment history is in the amount of $???,???.??. The borrower has been making payments as per the modification agreement. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 81.300% | 0.000% | 0.000% | 55.600% | $XX | $XX |
| 96912015 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $107617.02 | 4.000% | $567.21 | $567.21 | 2019-XX-XX | 2019-XX-XX | 0 | Review of the updated payment history as of xx/XX/???? shows that the loan is currently performing well and the next due date for the payment is xx/XX/????. The last regular payment (P&I) was made on xx/XX/???? in the amount of $???.?? for the due date of xx/XX/????. The UPB has been mentioned in the updated payment history in the amount of $???,???.??. The borrower has been making regular payments currently according to the original Note terms. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2019-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 29669339 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Hawaii | xx | $818772.92 | 4.900% | $3956.93 | $3956.93 | 2019-XX-XX | 2019-XX-XX | 1 | Review of payment history shows that the borrower is not making the payments regularly. The borrower is delinquent for ?? days. The last payment received date is not provided. The next payment is due on xx/XX/????. As per payment history, the current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX |  | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 68785468 | xx | xx | xx | xx | xx |  |  | xx | xx | Washington | xx | $210076.84 | 4.125% | $1323.19 | $1709.72 | 2019-XX-XX | 2018-XX-XX | 9 | Review of the payment history states that the borrower has been delinquent for more than ? months. The last payment was received in the amount of $?,???.?? which was applied to due date xx/XX/????, and the next due date is xx/XX/????. Current UPB reflects in the amount of $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2018-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 87787303 | xx | xx | xx | xx | xx |  |  | xx | xx | Michigan | xx | $77783.79 | 4.750% | $500.17 | $968.44 | 2024-XX-XX | 2025-XX-XX | 0 | As per review of payment history as of date xx/XX/???? shows the borrower is delinquent for ? months and he is making payment as per modification. The last payment received on xx/XX/???? which was applied to xx/XX/????. The next due date is xx/XX/????. The UPB taken as per payment history is $??,???.?? and current P&I is ???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 83.400% | 0.000% | 0.000% | 47.300% | $XX | $XX |
| 87133942 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | $477010.55 | 2.875% | $2936.53 | $4655.47 | 2017-XX-XX | 2016-XX-XX | 15 | As per the review of the payment history, the borrower is currently delinquent for more than ??? days and next due is for xx/XX/????. The last payment was received on xx/XX/???? in the amount of $?,???.?? which was applied to xx/XX/????. The UPB is reflected in the payment history in the amount of $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2017-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 49197531 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $45351.33 | 5.250% | $236.16 | $423.71 | 2025-XX-XX | 2025-XX-XX | 0 | The loan is next due for xx/XX/???? payment. The last due date xx/XX/???? was paid on xx/XX/???? in the amount of $???.??. The current UPB is $??,???.?? and borrower is ?? months behind his regular payments. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 82.700% | 0.000% | 18.300% | 61.700% | $XX | $XX |
| 67647045 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | $89232.10 | 7.000% | $561.00 | $806.68 | 2017-XX-XX | 2016-XX-XX | 5 | As per review of the payment history, the borrower is currently delinquent for more than ??? days and next due date is xx/XX/????. The last payment was received on xx/XX/???? in the amount of $???.?? which was applied to xx/XX/????. UPB reflected in the payment history is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2017-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 92079167 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $103767.14 | 2.000% | $333.18 | $333.18 | 2025-XX-XX | 2025-XX-XX | 0 | As per the review of payment history, the borrower is delinquent for ???+days and next due is for xx/XX/????. The last payment was received on xx/XX/???? in the amount $???.?? for the due date xx/XX/????. The UPB is reflected in the amount $???,???.??. The current P&I and PITI is $???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 209.100% | 0.000% | 0.000% | 156.300% | $XX | $XX |
| 75677009 | xx | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $66399.28 | 2.875% | $473.72 | $1304.56 | 2024-XX-XX | 2025-XX-XX | 0 | As per review of the latest payment history, the borrower is currently delinquent for ?? months and the next due date is xx/XX/????. The last payment was received in the amount of $?,???.?? on xx/XX/???? which was applied to xx/XX/????.<br> UPB reflected in the latest payment history is in the amount of $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 48.200% | 0.000% | 0.000% | 27.500% | $XX | $XX |
| 62952637 | xx | xx | xx | xx | xx |  |  | xx | xx | Michigan | xx | $59877.02 | 4.625% | $287.48 | $480.40 | 2025-XX-XX | 2025-XX-XX | 0 | Review of payment history shows borrower is delinquent for ???+ days and next due for xx/XX/????. The last payment was received on xx/XX/???? in the amount $????.?? for due date xx/XX/????. The UPB is reflected in the amount $??,???.?? till due date xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2025-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 111.400% | 0.000% | 18.800% | 85.900% | $XX | $XX |
| 61490645 | xx | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $52244.44 | 6.250% | $297.61 | $354.11 | 2025-XX-XX | 2024-XX-XX | 2 | The review of the payment history shows that the borrower is not making regular payments and loan is ?? months delinquent. The details of the last payment are not available in the payment history. The UPB as per history is $??,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 321.400% | 0.000% | 0.000% | 38.500% | $XX | $XX |
| 21782867 | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $586898.98 | 3.000% | $2909.36 | $3308.87 | 2025-XX-XX | 2025-XX-XX | 0 | Review of the payment history shows that the borrower is delinquent for more than ??? days and is next due for xx/XX/????. The last payment date is not mentioned in payment history. The current UPB reflects in the amount of $???,???.?? and the current p&I is $?,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 81.500% | 0.000% | 0.000% | 55.100% | $XX | $XX |
| 90903334 | xx | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $165955.36 | 4.625% | $786.64 | $1903.70 | 2024-XX-XX | 2025-XX-XX | 0 | Review of updated payment history shows, the subject loan is delinquent for +??? days and borrower is currently not on his regular monthly payments. The last payment was received in the amount of $?,???.?? on xx/XX/???? for the due date of xx/XX/???? & the next due date is xx/XX/????. The unpaid principal balance as of the date is $???,???.??. Borrower is currently making payments according to the Loan modification agreement dated xx/XX/????. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 54.700% | 0.000% | 0.000% | 36.000% | $XX | $XX |
| 90104340 | xx | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $106703.89 | 7.000% | $719.12 | $1023.47 | 2024-XX-XX | 2024-XX-XX | 2 | The review of the available payment history shows that the borrower is not making regular payments and the loan is ?? months delinquent. The last payment was received on xx/XX/???? in the amount of $???.?? for the due date of xx/XX/????. The next due date is xx/XX/????. The UPB as per payment history is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 66.800% | 0.000% | 0.000% | 26.700% | $XX | $XX |
| 83901685 | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $63603.76 | 9.000% | $492.16 | $813.58 | 2017-XX-XX | 2016-XX-XX | 10 | Review of payment history shows borrower is delinquent for more than ???+ days and next due for xx/XX/????. The last payment was received on xx/XX/???? in the amount $???.?? for due date xx/XX/????. The UPB is reflected in the amount $??,???.?? till due date xx/XX/????.  | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2017-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 64491980 | xx | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | $108086.13 | 9.750% | $989.18 | $1366.07 | 2024-XX-XX | 2025-XX-XX | 0 | As per the review history, the borrower is ??? + delinquent. The last payment received on xx/XX/???? was reversed therefore the borrower is still due for xx/XX/????. Current UPB is $$???,???.??. Current P&I is $???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 97.400% | 0.000% | 0.000% | 93.100% | $XX | $XX |
| 19201935 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $139575.09 | 6.990% | $1164.43 | $1846.91 | 2017-XX-XX | 2017-XX-XX | 0 | Review of the payment history as of date xx/XX/???? shows that, the borrower is current with the loan and next due for xx/XX/????. The last payment was received in the amount of $?,???.?? on xx/XX/???? which is applied on xx/XX/???? due date. The current UPB is reflecting in the amount of $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2017-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 0.000% | 0.000% | 0.000% | 0.000% | $XX | $XX |
| 30694972 | xx | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $31789.34 | 4.000% | $105.69 | $482.94 | 2024-XX-XX | 2025-XX-XX | 0 | As per payment history as of date xx/XX/????, the loan is delinquent for more than ??? days and next due for xx/XX/???? payment. The last payment was received on xx/XX/???? in the amount of $???.??. The current unpaid principal balance is reflecting in the amount of $??,???.??.  | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 102.800% | 0.000% | 0.000% | 76.300% | $XX | $XX |
| 82042435 | xx | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $121531.89 | 4.000% | $1028.50 | $1621.57 | 2024-XX-XX | 2025-XX-XX | 0 | As per the review of payment history, the borrower is ???+ day delinquent. The last payment was received on xx/XX/???? which was applied to xx/XX/???? payment in the amount $?,???.??. The next due date is xx/XX/????. The payment was received as per modification agreement. As per payment history current UPB is $???,???.??. | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | $XX | XX | XX | 2024-XX-XX | 7/XX/2023<br> 8/XX/2023<br> 9/XX/2023<br> 10/XX/2023<br> 11/XX/2023<br> 12/XX/2023<br> 1/XX/2024<br> 2/XX/2024<br> 3/XX/2024<br> 4/XX/2024<br> 5/XX/2024<br> 6/XX/2024<br> 7/XX/2024<br> 8/XX/2024<br> 9/XX/2024<br> 10/XX/2024<br> 11/XX/2024<br> 12/XX/2024<br> 1/XX/2025<br> 2/XX/2025<br> 3/XX/2025<br> 4/XX/2025<br> 5/XX/2025<br> 6/XX/2025 | $XX | 69.500% | 0.000% | 0.000% | 46.900% | $XX | $XX |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** |  |  |  |  |  |  |
| **Redacted ID** | **Loan Number** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** |
| 80036044 | xx | xx | Age of Loan | xxx | xx | xx | xxx.xxxxx% | Age of loan is xxx, but tape reflects xx | Initial |
| 80036044 | xx | xx | Doc Date of Last Modification | xx | xx | -x (Days) |  | As per Modification, document date of last modificatio is xx but tape reflects xx | Initial |
| 80036044 | xx | xx | Loan Amortization Type | Step | Fixed |  |  | Tape value for Amort type shows Fixed, but it is Adjustable Rate Note | Initial |
| 80036044 | xx | xx | Mod Step 1 Date | x/x/xxxx | x/x/xxxx | -xxxx (Days) |  | As per Modification, first modification step date is x/x/xxxx but tape reflects x/x/xxxx. | Initial |
| 80036044 | xx | xx | Mod Step 1 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | As per Modification, first modification rate is x.xxx% but tape reflects x.xxx% | Initial |
| 80036044 | xx | xx | Mod Step 2 Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | As per Modification, second modification step date is x/x/xxxx but tape reflects x/x/xxxx | Initial |
| 80036044 | xx | xx | Mod Step 2 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | As per Modification, second modification rate is x.xxx% but tape reflects x.xxx% | Initial |
| 80036044 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per payment history string is xxxxxxxxxxxx but tape reflects xxxxxxxxxxxxxxxxxxxxxxxx | Initial |
| 80036044 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per payment string is xxxxxxxxxxxx but the tape refelcts xxxxxxxxxxxxxxxxxxxxxxxx | Initial |
| 80036044 | xx | xx | 'Prepayment Penalty End Date | x/x/xxxx | x/xx/xxxx | xx (Days) |  | Prepayment penalty end date is x/x/xxxx but tape reflects x/xx/xxxx | Initial |
| 80036044 | xx | xx | Principal Balance Stated in Mod | $xxxxx.xx | $xxxxx.xx | $xxxx.xx | x.xxxxx% | Principal balance stated in Mod is $xx,xxx.xx but tape reflects $xx,xxx.xx | Initial |
| 80036044 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx but tape reflects xx | Initial |
| 80036044 | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | Maturity date is xx but tape reflects xx | Initial |
| 80036044 | xx | xx | Total Term Including Mod. Extensions | xxx | xxx | xx | xx.xxxxx% | Total term including modification extensions is xxx but tape refelcts xxx | Initial |
| 42531345 | xx | xx | Last Payment Received Date | x/x/xxxx | x/xx/xxxx | xx (Days) |  | As per payment history, last payment received date is x/x/xxxx, however, tape data reflects x/xx/xxxx. | Initial |
| 42531345 | xx | xx | Modification Original Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | As per modification agreement, the original rate is x.xxx%, however, tape data reflects x.xxx%. | Initial |
| 42531345 | xx | xx | Mos Currently Delinquent per Payment History | xx | xx | -x | -x.xxxxx% | As per payment history, Mos currently delinquent is xx, however, tape data reflects xx. | Initial |
| 42531345 | xx | xx | Payment History String | xxxxxxxxxxxx | eeehgfffffee |  |  | As per payment history, the string is xxxxxxxxxxxx, however, tape data reflects eeehgfffffee. | Initial |
| 42531345 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | eefffffeheee |  |  | As per payment history, the string reversed is xxxxxxxxxxxx, however, tape data reflects eefffffeheee. | Initial |
| 42531345 | xx | xx | Principal Balance Stated in Mod | $xxxxxx.xx | $xxxxxx.xx | $xxxxx.xx | xx.xxxxx% | As per modification agreement, the principal balance is $xxx,xxx.xx. However, tape data reflects $xxx,xxx.xx which is interest bearing amount. | Initial |
| 36790294 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% |  | Initial |
| 36790294 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 36790294 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% |  | Initial |
| 36790294 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | xx | x.xxxxx% |  | Initial |
| 36790294 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | xxx.xxxxx% |  | Initial |
| 36790294 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx.xxxxx% |  | Initial |
| 36790294 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx.xxxxx% |  | Initial |
| 36790294 | xx | xx | Original Stated P&I | xx | xx | xx | xxx.xxxxx% |  | Initial |
| 36790294 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Purchase |  |  |  | Initial |
| 36790294 | xx | xx | Purpose Per Application | Refinance | Purchase |  |  |  | Initial |
| 7066522 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI ratio percent is xx.xxx%. | Initial |
| 7066522 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 7066522 | xx | xx | First Payment Date | xx | xx | xxx (Days) |  | First payment date is xx. | Initial |
| 7066522 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Housing ratio per U/W is xx.xxx%. | Initial |
| 7066522 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | xx.xxxxx% | Original balance is xx. | Initial |
| 7066522 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV ratio percent is xx. | Initial |
| 7066522 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original standard LTV is xx. | Initial |
| 7066522 | xx | xx | Original Stated P&I | xx | xx | xx | xxx.xxxxx% | Original stated P&I is xx. | Initial |
| 7066522 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Purchase |  |  | Purpose of transaction per HUD-x is refinance. | Initial |
| 7066522 | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Purpose per application is refinance. | Initial |
| 96685179 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI ratio percent is xx.xxx%. | Initial |
| 37045662 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Borrower DTI Ratio Percent is xx.xxx% | Initial |
| 37045662 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 37045662 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Housing ratio per U/W (Initial Rate) is xx.xxx% | Initial |
| 37045662 | xx | xx | Originator MERS ID | xx | xx |  |  | Originator MERS ID is xx | Initial |
| 37045662 | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | Stated Maturity Date is Unavailable | Initial |
| 37045662 | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | Stated Remaining Term is xxx | Initial |
| 37045662 | xx | xx | Trial Modification Agreement in file? | Yes | No |  |  |  | Initial |
| 63989573 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xxx.xxx% | -xx.xxx% | -xx.xxxxx% | Borrower DTI ratio percent is xx.xxx% | Initial |
| 63989573 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable | Initial |
| 63989573 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxx.xxx% | -xx.xxx% | -xx.xxxxx% | Housing ratio per U/W (Initial Rate) is xx.xxx% | Initial |
| 63989573 | xx | xx | Originator MERS ID | xx | xx |  |  | Originator MERS ID is xx | Initial |
| 63989573 | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  |  | Initial |
| 63989573 | xx | xx | Trial Modification Agreement in file? | Yes | No |  |  |  | Initial |
| 47236285 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Borrower DTI Ratio Percent is xx.xxx% | Initial |
| 47236285 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 47236285 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Housing Ratio per U/W (Initial Ratio) is xx.xxx% | Initial |
| 47236285 | xx | xx | MI Company | xx | xx |  |  | MI Company is xx | Initial |
| 47236285 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV ratio percent is xx. | Initial |
| 47236285 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original Standard LTV(OLTV) is xx | Initial |
| 47236285 | xx | xx | Originator MERS ID | xx | xx |  |  | Originator MERS ID is xx | Initial |
| 47236285 | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | Stated Remaining Term is xxx | Initial |
| 8869494 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 8869494 | xx | xx | MI Company | xx | xx |  |  | MI Company is xx | Initial |
| 8869494 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV Ratio Percent is Unavailable | Initial |
| 8869494 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original Standard LTV (OLTV) is xx | Initial |
| 8869494 | xx | xx | Originator MERS ID | xx | xx |  |  | Originator MERS ID is xx | Initial |
| 42468031 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | As per loan documents DTI is xx.xxx%. | Initial |
| 42468031 | xx | xx | Deferred Balance Amount | Not Applicable | $xxxxx.xx |  |  | NA. | Initial |
| 42468031 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  | NA. | Initial |
| 42468031 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | As per loan documents housing ratio is xx.xxx%. | Initial |
| 42468031 | xx | xx | Originator MERS ID | xx | xx |  |  | NA. | Initial |
| 42468031 | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | NA. | Initial |
| 42468031 | xx | xx | Trial Modification Agreement in file? | Yes | No |  |  | NA. | Initial |
| 99800375 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | As per the loan documents borrower's middle name is xx. | Initial |
| 99800375 | xx | xx | Borrower #2 First Name | xx | xx |  |  | As per the loan documents borrower's x# last name is xx. | Initial |
| 99800375 | xx | xx | Borrower #2 Middle Name | Not Applicable | xx |  |  | As per the loan documents borrower's x# middle name is xx. | Initial |
| 99800375 | xx | xx | Borrower DTI Ratio Percent | Unavailable | xx.xxx% |  |  |  | Initial |
| 99800375 | xx | xx | Borrower First Name | xx | xx |  |  | As per the loan documents borrower's first name is xx. | Initial |
| 99800375 | xx | xx | Borrower Last Name | xx | xx |  |  | As per the loan documents borrower's last name is xx. | Initial |
| 99800375 | xx | xx | Housing Ratio per U/W (Initial Rate) | Unavailable | xx.xxx% |  |  |  | Initial |
| 90923872 | xx | xx | Original Appraisal Date | xx | xx | -x (Days) |  | Appraisal date is xx. | Initial |
| 90923872 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV ratio is xx | Initial |
| 90923872 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original LTV ratio is xx | Initial |
| 90923872 | xx | xx | Property Address Street | xx | xx |  |  | Property address is xx. | Initial |
| 50808189 | xx | xx | Property Address Street | xx | xx |  |  | N.A | Initial |
| 41513455 | xx | xx | MI Company | xx | xx |  |  | NA. | Initial |
| 41513455 | xx | xx | Mortgage Type | VA | Conventional |  |  | As per loan documents mortgage type is VA. | Initial |
| 41513455 | xx | xx | Original Appraisal Date | xx | xx | -x (Days) |  | As per loan documents appraisal date is xx. | Initial |
| 41513455 | xx | xx | Property Address Street | xx | xx |  |  | As per loan documents property address is xx. | Initial |
| 89140020 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% |  | Initial |
| 89140020 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% |  | Initial |
| 89140020 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% |  | Initial |
| 89140020 | xx | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 89140020 | xx | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | No Cash-Out |  |  |  | Initial |
| 89140020 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  |  | Initial |
| 23020572 | xx | xx | Original Appraisal Date | xx | xx | -x (Days) |  | Appraisal date is xx. | Initial |
| 23020572 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | CLTV ratio is xx. | Initial |
| 23020572 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | LTV ratio is xx. | Initial |
| 84591906 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | BWR DTI is xx.xxx% | Initial |
| 84591906 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | CLTV is xx. | Initial |
| 84591906 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | LTV is xx | Initial |
| 84591906 | xx | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 33261579 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | BWR DTI ratio percent is xx.xx%. | Initial |
| 33261579 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 33261579 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Housing ratio percent is xx.xx%. | Initial |
| 16869309 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | As per servicing comments, foreclosure was initiated. However, tape data reflects No. | Initial |
| 16869309 | xx | xx | Mod Step Indicator | Not Applicable | No |  |  |  | Initial |
| 16869309 | xx | xx | Modification Interest Bearing Amount | Not Applicable | $xxxxx.xx |  |  |  | Initial |
| 16869309 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per Note, original doc date is xx. However, tape data reflects xx. | Initial |
| 16869309 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxXXXXXXXXXXXX |  |  | As per updated payment history, string is xxxxxxxxxxxx. However, tape data reflects xxxxxxxxxxxx. | Initial |
| 16869309 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | XXXXXXXXXXXXxxxxxxxxxxxx |  |  | As per updated payment history, string reversed is xxxxxxxxxxxx. However, tape data reflects xxxxxxxxxxxx. | Initial |
| 16869309 | xx | xx | Property Address Street | xx | xx |  |  | As per Note, property address street is xx. However, tape data reflects xx. | Initial |
| 16869309 | xx | xx | Stated Remaining Term | xxx | xxx | -xxx | -xx.xxxxx% | As per Note, the loan was originated on xx with the stated maturity date of xx. Hence, the stated remaining term is xxx. However, tape data reflects xxx. | Initial |
| 3363862 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | As per servicing comments, foreclosure was initiated. However, tape data reflects No. | Initial |
| 3363862 | xx | xx | Mod Step Indicator | Not Applicable | No |  |  | The loan has not been modified. Hence, mod step indicator us No.Applicable. However, tape data reflects No. | Initial |
| 3363862 | xx | xx | Modification Interest Bearing Amount | Not Applicable | $xxxxx.xx |  |  | The loan has not been modified. Hence, modification interest bearing amount is Not Applicable. However, tape data reflects $xx,xxx.xx. | Initial |
| 3363862 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per Note, original doc date is xx. However, tape data reflects xx. | Initial |
| 3363862 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxXXXXXXXXXXXX |  |  | As per updated payment history, string is xxxxxxxxxxxx. However, tape data reflects xxxxxxxxxxxx. | Initial |
| 3363862 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | XXXXXXXXXXXXxxxxxxxxxxxx |  |  | As per updated payment history, string reversed is xxxxxxxxxxxx. However, tape data reflects xxxxxxxxxxxx. | Initial |
| 3363862 | xx | xx | Property Address Street | xx | xx |  |  | As per Note, property address street is xx. However, tape data reflects xx. | Initial |
| 3363862 | xx | xx | Stated Remaining Term | xxx | xxx | -xxx | -xx.xxxxx% | As per note, stated remaining term is xxx. However, tape data reflects xxx. | Initial |
| 13803860 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | Currently in foreclosure status is yes, as the foreclosure activity found in the loan file; The tape data reflects no. | Initial |
| 13803860 | xx | xx | Mod Step Indicator | Not Applicable | No |  |  | No descripancy. | Initial |
| 13803860 | xx | xx | Modification Interest Bearing Amount | Not Applicable | $xxxxx.xx |  |  | Modification interest bearing amount is N/A, the loan was not modified; The tape data reflects $xx,xxx.xx. | Initial |
| 13803860 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | The loan was originated on xx, as the note document; The tape data reflects xx. | Initial |
| 13803860 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxXXXXXXXXXXXX |  |  | Payment history string is xxxxxxxxxxxx, as the borrower is delinquent for more than xxx days; The tape data reflects xxxxxxxxxxxx. | Initial |
| 13803860 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | XXXXXXXXXXXXxxxxxxxxxxxx |  |  | Payment history string reversed is xxxxxxxxxxxx, as the borrower is delinquent for more than xxx days; The tape data reflects XXXXXXXXXXXX. | Initial |
| 13803860 | xx | xx | Property Address Street | xx | xx |  |  | No discrepancies. | Initial |
| 13803860 | xx | xx | Stated Remaining Term | xxx | xxx | -xx | -xx.xxxxx% | Stated remaining term is xxx, as per the maturity date; The tape data reflects xxx. | Initial |
| 81191707 | xx | xx | Age of Loan | x | xx | -x | -xx.xxxxx% | N.A | Initial |
| 81191707 | xx | xx | Current Value | Not Applicable | xx |  |  | N.A | Initial |
| 81191707 | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Appraisal report reflects appraisal date as xx. | Initial |
| 28856272 | xx | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 28856272 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the payment history, the string is xxxxxxxxxxxx. | Initial |
| 14371676 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | x.xxx% | xx.xxx% | xx.xxxxx% | Borrower DTI ratio percent is xx.xxx% | Initial |
| 14371676 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 14371676 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | x.xxx% | xx.xxx% | xx.xxxxx% | Housing ratio per U/W (Initial Rate) is xx.xxx% | Initial |
| 96069572 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | x.xxx% | xx.xxx% | xx.xxxxx% | Borrower DTI Ratio Percent is xx.xxx% | Initial |
| 96069572 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 70682549 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 70682549 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 70682549 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  |  | Initial |
| 79125576 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| 79125576 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 79125576 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx. | Initial |
| 71008660 | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Age of loan reflects xx. | Initial |
| 71008660 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 52188812 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan x. | Initial |
| 52188812 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 52188812 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 15109141 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is Not Applicable | Initial |
| 15109141 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note document date is xx. | Initial |
| 6868872 | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Age of Loan is xx | Initial |
| 6868872 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 6868872 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 6184699 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Borrower DTI Ratio Percent is xx.xxx% | Initial |
| 6184699 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  |  | Initial |
| 6184699 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  | Payment History String is xxxxxxxxxxxxxxxxxxxxxxxx | Initial |
| 6184699 | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated Remaining Term is xxx | Initial |
| 32087966 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x | Initial |
| 32087966 | xx | xx | Payment History String | xxxxxxx | xxxxxxxxxxxx |  |  | NA | Initial |
| 99016557 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | As per calculation. | Initial |
| 99016557 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per note. | Initial |
| 99016557 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  |  | Initial |
| 99016557 | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% |  | Initial |
| 61593178 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x | Initial |
| 61593178 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% |  | Initial |
| 61593178 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original Standard LTV is xx | Initial |
| 61593178 | xx | xx | Payment History String | xxx | xxxxxxxxxxxx |  |  |  | Initial |
| 83890119 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% |  | Initial |
| 83890119 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | As per calculation. | Initial |
| 83890119 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  |  | Initial |
| 64507511 | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% |  | Initial |
| 64507511 | xx | xx | Payment History String | Not Applicable | xxxxxxxxxxxx |  |  |  | Initial |
| 79161369 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| 79161369 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  | Payment history string xxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 55246385 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of Loan xx | Initial |
| 55246385 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | BWR DTI ration percent xx.xxx% | Initial |
| 55246385 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  |  | Initial |
| 86355997 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan xx | Initial |
| 86355997 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | BWR DTI Ratio percent xx.xxx% | Initial |
| 86355997 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  |  | Initial |
| 32100677 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  | NA | Initial |
| 32100677 | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Actual stated remaining term is xxx. | Initial |
| 81492744 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx | Initial |
| 81492744 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI ratio percent is xx.xxx% | Initial |
| 81492744 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xxx | -xx.xxxxx% | Loan original Maturity term months is xxx | Initial |
| 81492744 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx. | Initial |
| 81492744 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  |  | Initial |
| 80231632 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | DTI is xx.xxx%. | Initial |
| 80231632 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx.xxxxx% | Original CLTV is xx. | Initial |
| 80231632 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx.xxxxx% | Original LTV is xx. | Initial |
| 80231632 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  | NA. | Initial |
| 80231632 | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | NA. | Initial |
| 15042960 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | BWR DTI ratio percent xx.xx%. | Initial |
| 15042960 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% |  | Initial |
| 15042960 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Collateral Value used for Underwriting:xx. Amount of Secondary Lien(s): xx. Loan Amount: xx. CLTV xx. | Initial |
| 15042960 | xx | xx | Payment History String | xxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  | Payment history string xxxxxxxxxxxxxxx. | Initial |
| 15042960 | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Sttaed remaining term xxx. | Initial |
| 69382893 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of the loan is xx. | Initial |
| 69382893 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% |  | Initial |
| 69382893 | xx | xx | Payment History String | xxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  | Payment history string xxxxxxxxxxxxxxx. | Initial |
| 87432226 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of Loan xx | Initial |
| 87432226 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | BWR DTI Ratio percent xx.xxx% | Initial |
| 87432226 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  |  | Initial |
| 75166833 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of Loan is xx | Initial |
| 75166833 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx | Initial |
| 75166833 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  |  | Initial |
| 23356581 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx | Initial |
| 23356581 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% |  | Initial |
| 23356581 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx | Initial |
| 23356581 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% |  | Initial |
| 23356581 | xx | xx | Payment History String | xxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  | NA | Initial |
| 23356581 | xx | xx | Subject Property Type | Manufactured Housing | PUD |  |  | Subject property type is Manufactures Housing | Initial |
| 12922378 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan xx | Initial |
| 12922378 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx% | Initial |
| 12922378 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 12922378 | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | Stated maturity date is xx | Initial |
| 40907398 | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | Age of loan is xxx. | Initial |
| 40907398 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xxx.xxx% | -xx.xxx% | -xx.xxxxx% | Borrower DTI ratio percent is xx.xxx%. | Initial |
| 40907398 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 40907398 | xx | xx | Original Appraised Value | xx | xx | xx | -xx.xxxxx% | Original appraised value is xx. | Initial |
| 40907398 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx.xxxxx% | Original CLTV ratio percent is xx. | Initial |
| 40907398 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx.xxxxx% | Original standard LTV is xx. | Initial |
| 40907398 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Original stated rate is x.xxxxx%. | Initial |
| 40907398 | xx | xx | Purpose of Refinance Per HUD-1 | Not Applicable | Change in Rate/Term |  |  | Purpose of refinance per HUD-x is not applicable. | Initial |
| 40907398 | xx | xx | Purpose of Transaction per HUD-1 | Purchase | Refinance |  |  | Purpose of transaction per HUD-x is purchase. | Initial |
| 40907398 | xx | xx | Purpose Per Application | Purchase | Refinance |  |  | Purpose per application is purchase. | Initial |
| 40907398 | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | Stated maturity date is xx. | Initial |
| 40907398 | xx | xx | Stated Remaining Term | xxx | xxx | xx | xx.xxxxx% | NA | Initial |
| 94608144 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of Loan is xx | Initial |
| 94608144 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 94608144 | xx | xx | Original Appraised Value | xx | xx | xx | -x.xxxxx% | Original appraised value is xx. | Initial |
| 94608144 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV ratio percent is xx. | Initial |
| 94608144 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original Standard LTV(OLTV) is xx | Initial |
| 94608144 | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | Stated Maturity Date is xx | Initial |
| 14474555 | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | Age of loan xxx. | Initial |
| 14474555 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 14474555 | xx | xx | Original Appraised Value | xx | xx | xx | -xx.xxxxx% | Original appraised value is xx. | Initial |
| 14474555 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx.xxxxx% | Collateral Value used for Underwriting: xx. Amount of Secondary Lien(s): xx. Loan Amount: xx. CLTV xx. | Initial |
| 14474555 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx.xxxxx% |  | Initial |
| 14474555 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 14474555 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Purchase |  |  | Refinance. | Initial |
| 14474555 | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Purpose of transaction refinance. | Initial |
| 14474555 | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | Stated maturity date is xx. | Initial |
| 27514862 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx | Initial |
| 27514862 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI ratio percent is xx.xxx% | Initial |
| 27514862 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 27514862 | xx | xx | Original Appraised Value | xx | xx | xx | -x.xxxxx% | Original appraised value is xx. | Initial |
| 27514862 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV ratio percent is xx. | Initial |
| 27514862 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original standard LTV is xx. | Initial |
| 27514862 | xx | xx | Property City | xx | xx |  |  | Property city is xx | Initial |
| 27514862 | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | Stated maturity date is xx | Initial |
| 33396894 | xx | xx | MI Coverage Amount | Not Applicable | x.xxx% |  |  | NA | Initial |
| 33396894 | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | xx | Initial |
| 33396894 | xx | xx | Subject Property Type | Manufactured Housing | Single Family |  |  | Manufactured Housing | Initial |
| 20657382 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI ratio percent is xx.xxx% | Initial |
| 20657382 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note Doc date is xx | Initial |
| 20657382 | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  |  | Initial |
| 37910080 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI ratio percent is xx.xxx%. | Initial |
| 37910080 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 37910080 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV is xx. | Initial |
| 37910080 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original standard LTV is xx. | Initial |
| 37910080 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 70640905 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | BWR DT ratio percent xx.xxx% | Initial |
| 70640905 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value N/A | Initial |
| 70640905 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date xx. | Initial |
| 39230663 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 39230663 | xx | xx | Original Note Doc Date | xx | xx | x (Days) |  | As per note. Note date reflects xx. | Initial |
| 39230663 | xx | xx | Stated Maturity Date | xx | xx | xxx (Days) |  | Stated maturity date reflects xx. | Initial |
| 39230663 | xx | xx | Stated Remaining Term | xxx | xxx | xx | x.xxxxx% | Stated remaining term reflects xxx. | Initial |
| 52734717 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | As per note. | Initial |
| 52734717 | xx | xx | Borrower #2 First Name | xx | xx |  |  | As per note. | Initial |
| 52734717 | xx | xx | Borrower #2 Last Name | xx | xx |  |  | As per note. | Initial |
| 52734717 | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | As per note. | Initial |
| 52734717 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | DTI reflects xx.xxx%. | Initial |
| 52734717 | xx | xx | Borrower First Name | xx | xx |  |  | As per note. | Initial |
| 52734717 | xx | xx | Borrower Last Name | xx | xx |  |  | As per note. | Initial |
| 52734717 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per note. | Initial |
| 75447857 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is Not Applicable | Initial |
| 75447857 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 69264384 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% |  | Initial |
| 69264384 | xx | xx | Escrow Account Indicator | Yes | No |  |  |  | Initial |
| 56453026 | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Interest Paid Through Date x/x/xxxx | Initial |
| 3681984 | xx | xx | Borrower First Name | xx | xx |  |  |  | Initial |
| 3681984 | xx | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| 3681984 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  |  | Initial |
| 15925711 | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Interest Paid Through Date is x/x/xxxx | Initial |
| 10104614 | xx | xx | Borrower First Name | xx | xx |  |  | BWR name is | Initial |
| 10104614 | xx | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| 44502892 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower xx middle name is xx | Initial |
| 44502892 | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx | Initial |
| 44502892 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx | Initial |
| 44502892 | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Interest paid through date is x/x/xxxx | Initial |
| 68959586 | xx | xx | Borrower First Name | xx | xx |  |  |  | Initial |
| 68959586 | xx | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| 45235771 | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx | Initial |
| 45235771 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx | Initial |
| 45235771 | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Interest Paid Through Date x/x/xxxx | Initial |
| 45235771 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date xx | Initial |
| 7899777 | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx | Initial |
| 7899777 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx | Initial |
| 7899777 | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Interest paid through date is x/x/xxxx | Initial |
| 7899777 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx | Initial |
| 89891120 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x | Initial |
| 89891120 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 89891120 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 89891120 | xx | xx | Interest Paid Through Date | xx/x/xxxx | xx/xx/xxxx | -xx (Days) |  | Interest paid through date is xx/xx/xxxx. | Initial |
| 89891120 | xx | xx | Occupancy at Origination (Property Usage Type) | Investor | Primary |  |  | Occupancy at origination is investor. | Initial |
| 89891120 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 89891120 | xx | xx | Subject Property Type | x Family | Single Family |  |  | Subject property type is x family. | Initial |
| 97181887 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| 97181887 | xx | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | Borrower #x middle name is N/A. | Initial |
| 97181887 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 97181887 | xx | xx | Interest Paid Through Date | x/x/xxxx | x/xx/xxxx | -xxx (Days) |  | Interest paid through date is x/x/xxxx. | Initial |
| 97181887 | xx | xx | Original Appraised Value | xx | xx | xx | -x.xxxxx% | Original appraised value is xx. | Initial |
| 64346046 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| 64346046 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 64346046 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender MI is required. | Initial |
| 64346046 | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Interest paid through date is x/x/xxxx. | Initial |
| 64346046 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV ratio percent is xx. | Initial |
| 64346046 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original standard LTV is xx. | Initial |
| 64346046 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  | Purpose of refinance per final CD is change in rate/ term. | Initial |
| 39822507 | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% |  | Initial |
| 39822507 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 39822507 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 97933610 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Borrower DTI ratio percent is xx.xxx%. | Initial |
| 97933610 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | does lender G/L require MI is not applicable. | Initial |
| 97933610 | xx | xx | Payment History String | xxxxxxxxx | xxxx |  |  | Payment history string is xxxxxxxxx. | Initial |
| 61778906 | xx | xx | Age of Loan | x | xx | -x | -xx.xxxxx% | Age of loan reflects x. | Initial |
| 61778906 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | DTI reflects xx.xxx%. | Initial |
| 61778906 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 61778906 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Housing ratio reflects xx.xxx%. | Initial |
| 61778906 | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  | As per note. Note date reflects xx. | Initial |
| 47799957 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% |  | Initial |
| 47799957 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 47799957 | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx | xx | -x.xxxxx% |  | Initial |
| 47799957 | xx | xx | Stated Maturity Date | xx | xx | -xxx (Days) |  |  | Initial |
| 2749149 | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | Stated maturity date is xx. | Initial |
| 26832236 | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% |  | Initial |
| 26832236 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% |  | Initial |
| 26832236 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 26832236 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 26832236 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% |  | Initial |
| 26832236 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% |  | Initial |
| 26832236 | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  |  | Initial |
| 26832236 | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% |  | Initial |
| 28488966 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| 28488966 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | DTI ratio percent is xx.xxx%. | Initial |
| 28488966 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 28488966 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 28488966 | xx | xx | First Payment Date | xx | xx | -xxxx (Days) |  | First payment date is xx. | Initial |
| 28488966 | xx | xx | Interest Paid Through Date | x/x/xxxx | xx/xx/xxxx | -xxxx (Days) |  | Interest aid through date is x/x/xxxx. | Initial |
| 28488966 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xxx | -xx.xxxxx% | Maturity term months is xxx. | Initial |
| 28488966 | xx | xx | Original Appraisal Date | xx | xx | -xxxx (Days) |  | Appraisal date is xx. | Initial |
| 28488966 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | Stated P&I is xx. | Initial |
| 28488966 | xx | xx | Property City | xx | xx |  |  | Property city is xx. | Initial |
| 28488966 | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated remaining term is xxx. | Initial |
| 33837192 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | DTI ratio percent is xx.xxx%. | Initial |
| 33837192 | xx | xx | Property City | xx | xx |  |  | Property city xx. | Initial |
| 64784696 | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Age of loan is xx | Initial |
| 64784696 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | BWR DTI is xx.xx% | Initial |
| 64784696 | xx | xx | Current Legal Status | Performing | Collections |  |  |  | Initial |
| 64784696 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 30230350 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| 30230350 | xx | xx | Current Legal Status | Performing | Collections |  |  | Current legal status is performing. | Initial |
| 30230350 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 30230350 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | Doc date of last modification is xx. | Initial |
| 30230350 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xxx | -xx.xxxxx% | Loan original maturity term months is xxx. | Initial |
| 30230350 | xx | xx | Stated Remaining Term | xxx | xxx | xx | xx.xxxxx% | Stated remaining term is xxx. | Initial |
| 43667522 | xx | xx | Borrower #2 First Name | Not Applicable | xx |  |  | Borrower #x first name is not application | Initial |
| 43667522 | xx | xx | Borrower #2 Last Name | Not Applicable | xx |  |  | Borrower #x last name is not application | Initial |
| 43667522 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Original standard LTV (OLTV) is xx | Initial |
| 71172870 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of Loan is xx. | Initial |
| 71172870 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #x Middle Name is xx. | Initial |
| 71172870 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 71172870 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 71172870 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Property Penalty Indicator is No. | Initial |
| 92103140 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| 92103140 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 92103140 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  | Does lender G/L require MI is yes. | Initial |
| 92103140 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Prepayment penalty indicator is no. | Initial |
| 61403181 | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Age of loan is xx | Initial |
| 61403181 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 61403181 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable | Initial |
| 61403181 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Prepayment penalty indicator is no | Initial |
| 96669807 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx | Initial |
| 96669807 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI ratio percent is xx.xxx% | Initial |
| 96669807 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 96669807 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable | Initial |
| 96669807 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Prepayment penlty indicator is no | Initial |
| 14855989 | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | Age of Loan is xxx. | Initial |
| 14855989 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx%. | Initial |
| 14855989 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 14855989 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  | Does Lender G/L Require MI? is Yes. | Initial |
| 14855989 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Prepayment Penalty Indicator is No. | Initial |
| 988077 | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% |  | Initial |
| 988077 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | As per calculation. | Initial |
| 988077 | xx | xx | Current Value | Not Applicable | xx |  |  | N.A. | Initial |
| 988077 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  | Yes. | Initial |
| 988077 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | No. | Initial |
| 64144580 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| 64144580 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 64144580 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 64144580 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | NA. | Initial |
| 64144580 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  | As per loan document. | Initial |
| 64144580 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | As per loan document. | Initial |
| 71184043 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | NA. | Initial |
| 71184043 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | As per documents borrower DTI is xx.xxx%. | Initial |
| 71184043 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 71184043 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 71184043 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | x.xxxxx% | Original amount is xx. | Initial |
| 71184043 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | LTV-xx | Initial |
| 71184043 | xx | xx | Original Stated P&I | xx | xx | xx | x.xxxxx% | As per note the P&I is xx. | Initial |
| 71184043 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | NA. | Initial |
| 71184043 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Purchase |  |  | Purpose of transaction is refinance. | Initial |
| 71184043 | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Purpose of application is refinance. | Initial |
| 38116687 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx | Initial |
| 38116687 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 38116687 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  |  | Initial |
| 38116687 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Prepayment penalty indicator is no | Initial |
| 75606622 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% |  | Initial |
| 75606622 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 75606622 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  |  | Initial |
| 75606622 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  |  | Initial |
| 67403414 | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | Age of loan is xxx. | Initial |
| 67403414 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI ratio percent is xx.xxx%. | Initial |
| 67403414 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 67403414 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| 67403414 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Prepayment penalty indicator is no. | Initial |
| 1665308 | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% |  | Initial |
| 1665308 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | As per calculation. | Initial |
| 1665308 | xx | xx | Current Value | Not Applicable | xx |  |  | N.A. | Initial |
| 1665308 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N.A. | Initial |
| 1665308 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | No. | Initial |
| 1665308 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | As per Hud-x. | Initial |
| 1665308 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | As per Hud-x. | Initial |
| 16766881 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age Of Loan is xx | Initial |
| 16766881 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 16766881 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  | Does Lender G/L Require MI? is Yes | Initial |
| 16766881 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Prepayment Penalty Indictor is No | Initial |
| 3736510 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | xx | Initial |
| 3736510 | xx | xx | Borrower DTI Ratio Percent | Unavailable | xx.xxx% |  |  | Unavailable | Initial |
| 3736510 | xx | xx | Current Value | Not Applicable | xx |  |  | N.A. | Initial |
| 3736510 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Unavailable. | Initial |
| 3736510 | xx | xx | Loan Documentation Type | Unavailable | Full Documentation |  |  | Unavailable. | Initial |
| 3736510 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Unavailable. | Initial |
| 76225032 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx | Initial |
| 76225032 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 76225032 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable | Initial |
| 76225032 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Prepayment penalty indicator no | Initial |
| 18155342 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | NA | Initial |
| 18155342 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 18155342 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 18155342 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | NA | Initial |
| 59569001 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| 59569001 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI ratio percent is xx.xxx%. | Initial |
| 59569001 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 59569001 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| 59569001 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Prepayment penalty indicator is no. | Initial |
| 59569001 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  | Purpose of refinance per HUD-x is limited cash out. | Initial |
| 59569001 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of transaction per HUD-x is refinance. | Initial |
| 23668793 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of Loan is xx | Initial |
| 23668793 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 23668793 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  | Does Lender G/L Require MI? is Yes | Initial |
| 23668793 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Prepayment Penalty is No | Initial |
| 35229657 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx | Initial |
| 35229657 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is Not applicable | Initial |
| 35229657 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  | Does lender G/L Require MI? is Yes | Initial |
| 35229657 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Prepayment penalty indicator is No | Initial |
| 33895961 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% |  | Initial |
| 33895961 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | As per documents borrower DTI is xx.xxx%. | Initial |
| 33895961 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 33895961 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 33895961 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note date is xx. | Initial |
| 33895961 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  |  | Initial |
| 30670129 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan xx | Initial |
| 30670129 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | BWR DTI Ratio Percent xx.xxx% | Initial |
| 30670129 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 30670129 | xx | xx | Did a Modification Change Note Terms? | No | Yes |  |  |  | Initial |
| 30670129 | xx | xx | Does Lender G/L Require MI? | Not Applicable | Yes |  |  | Does Lender G/L Require MI is not applicable | Initial |
| 30670129 | xx | xx | Prepayment Penalty Indicator | No | Yes |  |  | Prepayment Penalty Indicator is no | Initial |
| 39227046 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | NA. | Initial |
| 39227046 | xx | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | NA. | Initial |
| 39227046 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 39227046 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Note date is xx. | Initial |
| 11449265 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% |  | Initial |
| 11449265 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% |  | Initial |
| 11449265 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 11449265 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  |  | Initial |
| 47185490 | xx | xx | Loan Documentation Type | DSCR | Full Documentation |  |  | As per loan document. | Initial |
| 96703207 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A. | Initial |
| 96703207 | xx | xx | Payment History String | xxxxxxxxxxx | xxxxxxxxxxxx |  |  | Does not required MI cert. | Initial |
| 74439960 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable | Initial |
| 74439960 | xx | xx | Payment History String | xxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  | Payment history string is xxxxxxxx | Initial |
| 98630584 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  | Does Lender G/L Require MI Yes | Initial |
| 98630584 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | Original Stated P&I xx | Initial |
| 98630584 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  | Payment history string xxxxxxxxxxxxxMMMMMMMMMMM | Initial |
| 98630584 | xx | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | Purpose of refinance per hud cash out - other | Initial |
| 98630584 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Purpose of transaction per HUD cash out | Initial |
| 98630584 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type PUD | Initial |
| 88964286 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx% | Initial |
| 80157634 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan x | Initial |
| 80157634 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | BWR DTI Ratio Percent xx.xxx% | Initial |
| 80157634 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 80157634 | xx | xx | Interest Paid Through Date | xx/x/xxxx | x/x/xxxx | -xx (Days) |  | Interest Paid Through Date xx/x/xxxx | Initial |
| 80157634 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV Ratio Percent is Unavailable | Initial |
| 80157634 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date xx | Initial |
| 80157634 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx.xxxxx% | Original Standard LTV xx | Initial |
| 47458590 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x | Initial |
| 47458590 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 47458590 | xx | xx | Interest Paid Through Date | xx/x/xxxx | x/x/xxxx | -xx (Days) |  | Interest paid through date is xx/x/xxxx | Initial |
| 31097065 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| 31097065 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI ratio percent is U/A. | Initial |
| 31097065 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 31097065 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Housing ratio per U/W is U/A. | Initial |
| 31097065 | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Interest paid through date is x/x/xxxx. | Initial |
| 31097065 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV ratio percent is xx. | Initial |
| 31097065 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xxx.xxxxx% | Original standard LTV is xx. | Initial |
| 31097065 | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | Stated remaining term is xxx. | Initial |
| 35142105 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% |  | Initial |
| 35142105 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% |  | Initial |
| 35142105 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 35142105 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% |  | Initial |
| 35142105 | xx | xx | Interest Paid Through Date | xx/x/xxxx | x/x/xxxx | -xx (Days) |  |  | Initial |
| 35142105 | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% |  | Initial |
| 31059726 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x | Initial |
| 31059726 | xx | xx | Borrower First Name | Not Applicable | xx |  |  | Borrower first name is not applicable | Initial |
| 31059726 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx | Initial |
| 31059726 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 31059726 | xx | xx | Interest Paid Through Date | xx/xx/xxxx | x/x/xxxx | -xx (Days) |  | Interest paid trough date is xx/xx/xxxx | Initial |
| 31059726 | xx | xx | Loan Documentation Type | DSCR | Full Documentation |  |  |  | Initial |
| 26370143 | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Age of loan xx. | Initial |
| 26370143 | xx | xx | Borrower #2 Last Name | xx | xx |  |  | BWR x Last name xx. | Initial |
| 26370143 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 26370143 | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Interest Paid Through Date x/x/xxxx. | Initial |
| 26370143 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street xx. | Initial |
| 51351759 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| 51351759 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 51351759 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xx | -x.xxxxx% | As per loan document. | Initial |
| 51351759 | xx | xx | Original Stated P&I | xx | xx | xx | -x.xxxxx% | As per note. | Initial |
| 11724356 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| 11724356 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | BWR #x middle name xx. | Initial |
| 11724356 | xx | xx | Borrower First Name | xx | xx |  |  | BWR first name xx. | Initial |
| 11724356 | xx | xx | Borrower Last Name | xx | xx |  |  | BWR last name xx. | Initial |
| 11724356 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 75495172 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| 75495172 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 75495172 | xx | xx | Interest Paid Through Date | xx/x/xxxx | xx/x/xxxx | -xxxx (Days) |  | Interest paid through date is xx/x/xxxx | Initial |
| 75495172 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xxx | -xx.xxxxx% | Loan original maturity term months is xxx. | Initial |
| 75495172 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | Original stated P&I is xx. | Initial |
| 75495172 | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated remaining term is xxx. | Initial |
| 96088177 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 96088177 | xx | xx | Did a Modification Change Note Terms? | Not Applicable | No |  |  | NA | Initial |
| 96088177 | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Interest Paid Through Date is x/x/xxxx | Initial |
| 55457130 | xx | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | NA. | Initial |
| 55457130 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 55457130 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 55457130 | xx | xx | First Payment Date | xx | xx | xxx (Days) |  | first payment date is xx | Initial |
| 55457130 | xx | xx | Interest Only Period? | No | Yes |  |  | NA. | Initial |
| 55457130 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | CLTV is xx | Initial |
| 55457130 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | LTV xx | Initial |
| 55457130 | xx | xx | Property Address Street | xx | xx |  |  | As per not property address street is xx | Initial |
| 55457130 | xx | xx | Sales Price (HUD-1 Line 101) | Not Applicable | xx |  |  | NA. | Initial |
| 57515347 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | BWR DTI Ratio percent xx.xxx% | Initial |
| 57515347 | xx | xx | Cash To Borrower (HUD-1 Line 303) | xx | xx | xx | -x.xxxxx% | Cash to BWR xx | Initial |
| 57515347 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 57515347 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI is not applicable | Initial |
| 57515347 | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Interest paid Through Date x/x/xxxx | Initial |
| 24031746 | xx | xx | Cash To Borrower (HUD-1 Line 303) | xx | xx | xx | -xxx.xxxxx% | Cash to borrower is xx | Initial |
| 24031746 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is Not applicable | Initial |
| 24031746 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L Require MI? is Not applicable | Initial |
| 24031746 | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Interest paid through date is x/x/xxxx | Initial |
| 24031746 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original OLTV ratio percent is xx | Initial |
| 24031746 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx.xxxxx% | Original standard LTV is xx | Initial |
| 24031746 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx | Initial |
| 24031746 | xx | xx | Total Balance of Junior Lien(s) | Not Applicable | xx |  |  | Total balance of junior lien is Not applicable | Initial |
| 73985725 | xx | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | BWR Middle name is not applicable | Initial |
| 73985725 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | BWR DTI ratio percent xx.xxx% | Initial |
| 35599750 | xx | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| 35599750 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 35599750 | xx | xx | Interest Paid Through Date | Not Applicable | x/x/xxxx |  |  |  | Initial |
| 35599750 | xx | xx | Original Note Doc Date | xx | xx | -xxx (Days) |  |  | Initial |
| 35599750 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% |  | Initial |
| 63990653 | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Age of Loan is x | Initial |
| 63990653 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 63990653 | xx | xx | Original Appraisal Date | xx | xx | -x (Days) |  | Original Appraisal Date is xx | Initial |
| 63990653 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | x.xxxxx% | As per note the original amount xx and as per tape the original amount is xx | Initial |
| 63990653 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Loan Type is PUD | Initial |
| 2208067 | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Age of loan is x | Initial |
| 2208067 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 2208067 | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Original appraisal date is xx | Initial |
| 2208067 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD | Initial |
| 47839814 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Borrower DTI Ratio Percent is xx.xxx% | Initial |
| 47839814 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 47839814 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV ratio percent is xx. | Initial |
| 47839814 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original Standard LTV (OLTV) is xx | Initial |
| 47839814 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| 41558848 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| 41558848 | xx | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | Borrower #x middle name is not applicable. | Initial |
| 41558848 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI ratio percent is xx.xxx%. | Initial |
| 41558848 | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| 41558848 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 41558848 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Housing ratio per U/W is xx.xxx%. | Initial |
| 41558848 | xx | xx | Interest Paid Through Date | xx/x/xxxx | x/x/xxxx | -xx (Days) |  | Interest paid through date is xx/x/xxxx. | Initial |
| 41558848 | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  | Original note doc date is xx. | Initial |
| 58437871 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing Ratio per U/W (Initial Rate) is xx.xxx%. | Initial |
| 78938505 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% |  | Initial |
| 78938505 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  |  | Initial |
| 78938505 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  |  | Initial |
| 78938505 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  |  | Initial |
| 26507839 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI ratio percent is xx.xxx%. | Initial |
| 26507839 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing ratio per U/W is xx.xxx%. | Initial |
| 26507839 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc date is xx. | Initial |
| 1093204 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing Ratio per U/W xx.xxx% | Initial |
| 1093204 | xx | xx | Payment History String | xxxxxxxxxxxxxx | xxxxxxxxxxxxx |  |  |  | Initial |
| 70327949 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing Ratio Per U/W xx.xxx% | Initial |
| 70327949 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV Ratio Percent xx | Initial |
| 70327949 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date xx | Initial |
| 70327949 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original Standard LTV xx | Initial |
| 19589047 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | As per documents housing ratio is xx.xxx%. | Initial |
| 19589047 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note date is xx. | Initial |
| 19589047 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | Original stated P&I is xx. | Initial |
| 19589047 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history string is xxxxxxxxxxxxxxxxxxxxxxxx | Initial |
| 19589047 | xx | xx | Principal Balance Stated in Mod | $xxxxxx.xx | $xxxxxx.xx | $xxxxx.xx | xx.xxxxx% | Principal Balance Stated in Mod $xxx,xxx.xx | Initial |
| 23210895 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | As per calculation. | Initial |
| 23210895 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per note. | Initial |
| 23210895 | xx | xx | Payment History String | xxxx | xxx |  |  | NA | Initial |
| 44288882 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI ratio percent is xx.xxx% | Initial |
| 44288882 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing ratio per U/W (Initial Rate) is xx.xxx% | Initial |
| 44288882 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV ratio percent is xx. | Initial |
| 44288882 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original standard LTV (OLTV) is xx | Initial |
| 44288882 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Original stated rate is x.xxxxx% | Initial |
| 44288882 | xx | xx | Payment History String | xxxxxxxx | x |  |  |  | Initial |
| 11709207 | xx | xx | Housing Ratio per U/W (Initial Rate) | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | x.xxx% | Initial |
| 11709207 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | xx | Initial |
| 19097220 | xx | xx | Borrower Last Name | xx | xx |  |  | BWR last name is xx. | Initial |
| 19097220 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing ratio at xx.xxx%. | Initial |
| 19097220 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxx |  |  |  | Initial |
| 30846398 | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| 30846398 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing ratio per U/W is xx.xxx%. | Initial |
| 43782795 | xx | xx | B1 Self-Employed? | No | Yes |  |  | B x Self Employed? is no | Initial |
| 43782795 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Borrower DTI Ratio percent is xx.xxx% | Initial |
| 43782795 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx | Initial |
| 43782795 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing ratio per U/W is xx.xxx% | Initial |
| 43782795 | xx | xx | MI Company | xx | xx |  |  | MI Company is xx | Initial |
| 43782795 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxx |  |  | NA. | Initial |
| 56869766 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx%. | Initial |
| 56869766 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing Ratio per U/W (Initial Rate) is xx.xxx%. | Initial |
| 56869766 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx. | Initial |
| 56869766 | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Cash Out - Other |  |  | Purpose of Refinance Per HUD-x is Limited Cash Out. | Initial |
| 56869766 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of Transaction per HUDx-x is Refinance. | Initial |
| 8344106 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% |  | Initial |
| 97942943 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx% | Initial |
| 97942943 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing Ratio per U/W(Initial Rate) is xx.xxx% | Initial |
| 63156292 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% |  | Initial |
| 63156292 | xx | xx | MI Company | xx | xx |  |  |  | Initial |
| 63156292 | xx | xx | Subject Property Type | PUD | Single Family |  |  |  | Initial |
| 30782055 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing Ratio per U/W xx.xxx% | Initial |
| 64789089 | xx | xx | Did a Modification Change Note Terms? | No | Yes |  |  |  | Initial |
| 64789089 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% |  | Initial |
| 64789089 | xx | xx | Modification Original P&I | Not Applicable | $xxxx.xx |  |  |  | Initial |
| 64789089 | xx | xx | Modification Original Rate | Not Applicable | x.xxx% |  |  |  | Initial |
| 64789089 | xx | xx | Modification Stated Term | Not Applicable | xxx |  |  |  | Initial |
| 64789089 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  | Initial |
| 64789089 | xx | xx | Principal Balance Stated in Mod | Not Applicable | $xxxxxx.xx |  |  |  | Initial |
| 64789089 | xx | xx | Subject Property Type | PUD | Single Family |  |  |  | Initial |
| 38653527 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | xx.xxx% | Initial |
| 38653527 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note date is xx. | Initial |
| 38653527 | xx | xx | Original Stated P&I | xx | xx | xx | x.xxxxx% | Original stated P&I xx. | Initial |
| 6295501 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing Ratio per U/W (Initial Rate) xx.xxx% | Initial |
| 6295501 | xx | xx | Subject Property Type | Mid Rise Condo (x-x Stories) | Low Rise Condo (x-x Stories) |  |  | Subject Property Type is Mid Rise Condo _x-x Stories) | Initial |
| 98375588 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing Ratio Per U/W(Initial Rate) is xx.xxx% | Initial |
| 92903049 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI Ratio percent is xx.xxx%. | Initial |
| 92903049 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing ratio per U/W is xx.xxx%. | Initial |
| 92903049 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx. | Initial |
| 95510256 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx% | Initial |
| 95510256 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing Ratio Per U/W(Initial Rate) is xx.xxx% | Initial |
| 95510256 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx | Initial |
| 19599441 | xx | xx | B1 Self-Employed? | Yes | No |  |  | Bx Self - Employed is Yes | Initial |
| 19599441 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing Ratio per U/W is xx.xxx% | Initial |
| 19599441 | xx | xx | MI Company | xx | xx |  |  | MI Company is xx. | Initial |
| 75443374 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing ratio per U/W (Initial Rate) is xx.xxx% | Initial |
| 21199405 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing Ratio Per U/W(Initial Rate) is xx.xxx% | Initial |
| 67797513 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% |  | Initial |
| 61933111 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing Ratio Per U/W(Initial Rate) is xx.xxx% | Initial |
| 61933111 | xx | xx | MI Company | xx | xx |  |  | MI Company is xx | Initial |
| 61933111 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date iS xx | Initial |
| 61933111 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD | Initial |
| 67046589 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing Ratio per U/W (Initial Rate) is xx.xxx% | Initial |
| 67046589 | xx | xx | Payment History String | xxxxxxxxxx | xxxxxxxxx |  |  | Payment history string is xxxxxxxxxx | Initial |
| 96005222 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing ratio per U/W is xx.xxx%. | Initial |
| 96005222 | xx | xx | Payment History String | xxxxxxxxx | xxxxxxx |  |  | NA. | Initial |
| 14031271 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing Ratio per U/W xx.xxx% | Initial |
| 14031271 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type PUD | Initial |
| 25946824 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI ratio is xx.xxx%. | Initial |
| 25946824 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing ratio xx.xxx%. | Initial |
| 32374480 | xx | xx | Housing Ratio per U/W (Initial Rate) | x.xxx% | xxx.xxx% | -xxx.xxx% | -xxx.xxxxx% | Housing Ratio per U/W (Initial Ratio) is x.xxx% | Initial |
| 32374480 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| 32374480 | xx | xx | Subject Property Type | High Rise Condo (>=x Stories) | Low Rise Condo (x-x Stories) |  |  | Subject Property Type is High Rise Condo (>=x Stories) | Initial |
| 75578199 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI is xx.xxx% | Initial |
| 13508918 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing ratio per U/W is xx.xxx% | Initial |
| 13508918 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx | Initial |
| 13508918 | xx | xx | Subject Property Type | Commercial Prop | Single Family |  |  |  | Initial |
| 81655152 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI ratio percent is xx.xxx%. | Initial |
| 81655152 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing ratio per U/W is xx.xxx%. | Initial |
| 81655152 | xx | xx | Payment History String | xxxxxxx | xxxxxx |  |  |  | Initial |
| 81655152 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 42201238 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | BWR DTI ratio percent xx.xxx%. | Initial |
| 42201238 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing ratio percent is xx.xxx%. | Initial |
| 42201238 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| 12623465 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date Is xx | Initial |
| 12623465 | xx | xx | Payment History String | xxxx | x |  |  | Payment history string xxxx. | Initial |
| 12623465 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property type is PUD | Initial |
| 15778929 | xx | xx | Housing Ratio per U/W (Initial Rate) | x.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing ratio per U/W is x.xxx%. | Initial |
| 15778929 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| 80688425 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing Ratio Per U/W xx.xxx% | Initial |
| 80688425 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxx |  |  | Payment History String xxxxxxxxxxxxxxxxxMMMxxxx | Initial |
| 36396010 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx% | Initial |
| 36396010 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing Ratio Per U/W is xx.xxx% | Initial |
| 36396010 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | Original stated P&I is xx. | Initial |
| 36396010 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxx |  |  | NA | Initial |
| 36396010 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD | Initial |
| 24180614 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing ratio per is xx.xxx% | Initial |
| 24180614 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx | Initial |
| 2497079 | xx | xx | B1 Self-Employed? | Yes | No |  |  | Bx Self-Employed? is Yes | Initial |
| 2497079 | xx | xx | Housing Ratio per U/W (Initial Rate) | x.xxx% | xxx.xxx% | -xxx.xxx% | -xxx.xxxxx% | Housing Ratio per U/W (Initial Rate) is x.xxx% | Initial |
| 2497079 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx. | Initial |
| 2497079 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD | Initial |
| 90784868 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing Ratio per U/W (Initial Rate) is xx.xxx%. | Initial |
| 90784868 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx | Initial |
| 28063788 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx%. | Initial |
| 28063788 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing Ratio per U/W (Initial Rate) is xx.xxx%. | Initial |
| 28063788 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx. | Initial |
| 12468453 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx% | Initial |
| 12468453 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing Ratio U/W(Initial Rate) is xx.xxx% | Initial |
| 12468453 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Nite Doc Date is xx | Initial |
| 38617903 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI Ratio percent is xx.xxx% | Initial |
| 38617903 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing ratio per U/W is xx.xxx% | Initial |
| 38617903 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx | Initial |
| 67512387 | xx | xx | Housing Ratio per U/W (Initial Rate) | x.xxx% | xxx.xxx% | -xxx.xxx% | -xxx.xxxxx% | Housing Ratio per U/W (Initial Rate) is x.xxx%. | Initial |
| 67512387 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx. | Initial |
| 54854613 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing Ratio per U/W xx.xxx% | Initial |
| 54854613 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | Original stated P&I xx. | Initial |
| 54854613 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history string | Initial |
| 54854613 | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx | xx | xxx.xxxxx% | NA. | Initial |
| 99451946 | xx | xx | Housing Ratio per U/W (Initial Rate) | x.xxx% | xxx.xxx% | -xxx.xxx% | -xxx.xxxxx% | As per calculation. | Initial |
| 99451946 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per note. | Initial |
| 14639191 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Borrower DTI ratio percent is xx.xxx%. | Initial |
| 14639191 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing ratio per U/W is xx.xxx%. | Initial |
| 14639191 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx. | Initial |
| 14639191 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history string is xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 14639191 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| 95029036 | xx | xx | B1 Self-Employed? | No | Yes |  |  | As per xxxx Bx is not self employed. | Initial |
| 95029036 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | borrower DTI is xx.xx%. | Initial |
| 95029036 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing ratio is xx.xxx%. | Initial |
| 39534506 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx%. | Initial |
| 39534506 | xx | xx | Did a Modification Change Note Terms? | No | Yes |  |  | No | Initial |
| 39534506 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% |  | Initial |
| 63422904 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xxxx.xxx% | -xxxx.xxx% | -xxxx.xxxxx% | Housing ratio per U/W is xx.xxx%. | Initial |
| 3278802 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | BWR DTI Ratio Percent xx.xxx% | Initial |
| 3278802 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 11224340 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | BWR DTI Ratio Percent xx.xxx% | Initial |
| 15351240 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx. | Initial |
| 15351240 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 15351240 | xx | xx | Subject Property Type | Mid Rise Condo (x-x Stories) | Low Rise Condo (x-x Stories) |  |  | Subject property type is mid rise condo (x-x stories). | Initial |
| 82382193 | xx | xx | Borrower First Name | Not Applicable | xx |  |  | Borrower First Name is Not Applicable | Initial |
| 82382193 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx. | Initial |
| 82382193 | xx | xx | Original Appraised Value | xx | xx | xx | x.xxxxx% | Original Appraisal Value is xx. | Initial |
| 82382193 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | Original CLTV Ratio Percent is xx. | Initial |
| 82382193 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx. | Initial |
| 82382193 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Original Standard LTV (OLTV) is xx. | Initial |
| 82382193 | xx | xx | Subject Property Type | High Rise Condo (>=x Stories) | Low Rise Condo (x-x Stories) |  |  | Subject Property Type is High Rise Condo (>=x Stories). | Initial |
| 57547016 | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Age of loan is x. | Initial |
| 57547016 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 57547016 | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  | As per loan document. | Initial |
| 39717554 | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Age of loan is xx | Initial |
| 39717554 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI Ratio percent is xx.xxx% | Initial |
| 39717554 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 96571614 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx | Initial |
| 96571614 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI Ratio percent is xx.xxx% | Initial |
| 96571614 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 96571614 | xx | xx | MI Company | xx | xx |  |  | MI Company is xx | Initial |
| 42272613 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx | Initial |
| 42272613 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 42272613 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | Original CLTV Ratio Percent is xx. | Initial |
| 42272613 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Original Standard LTV (OLTV) is xx. | Initial |
| 15517971 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan x | Initial |
| 15517971 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | BWR DTI Ratio percent xx.xxx% | Initial |
| 15517971 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 15517971 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI not applicable | Initial |
| 15517971 | xx | xx | MI Coverage Amount | Not Applicable | x.xxx% |  |  | MI Coverage Amount not applicable | Initial |
| 15517971 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | Original CLTV Ratio percent xx | Initial |
| 15517971 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Original Standard LTV xx | Initial |
| 71489390 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of Loan is x. | Initial |
| 71489390 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx%. | Initial |
| 71489390 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 52854461 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | NA | Initial |
| 52854461 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | borrower DTI is xx.xx%. | Initial |
| 52854461 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 52854461 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | CLTV-xx. | Initial |
| 52854461 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | LTV-xx | Initial |
| 69527793 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% |  | Initial |
| 69527793 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | As per calculation. | Initial |
| 69527793 | xx | xx | Current Value | Not Applicable | xx |  |  | N.A. | Initial |
| 69527793 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | As per calculation. | Initial |
| 69527793 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | As per calculation. | Initial |
| 88098992 | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Age of Loan is xx | Initial |
| 88098992 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx% | Initial |
| 88098992 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 33503278 | xx | xx | Age of Loan | x | xx | -x | -xx.xxxxx% | Age of loan is x | Initial |
| 33503278 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI Ratio percent is xx.xxx% | Initial |
| 33503278 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 75156663 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x | Initial |
| 75156663 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx% | Initial |
| 75156663 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is not applicable | Initial |
| 75156663 | xx | xx | MI Coverage Amount | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | MI coverage percent xx.xx%. | Initial |
| 75156663 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | Original CLTV Ratio Percent is xx | Initial |
| 75156663 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Original Standard LTV(OLTV) is xx | Initial |
| 8869439 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | BWR# x middle name is xx. | Initial |
| 8869439 | xx | xx | Borrower #2 First Name | xx | xx |  |  | BWR #x last name is xx. | Initial |
| 8869439 | xx | xx | Borrower #2 Last Name | xx | xx |  |  | BWR #x last name is xx. | Initial |
| 8869439 | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | BWR #x middle name is xx. | Initial |
| 8869439 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI ratio percent is xx.xxx% | Initial |
| 8869439 | xx | xx | Borrower First Name | xx | xx |  |  | BWR first name is xx. | Initial |
| 8869439 | xx | xx | Borrower Last Name | xx | xx |  |  | BWR last name is xx. | Initial |
| 8869439 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 8869439 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Housing ratio per U/W (Initial Rate) is xx.xxx% | Initial |
| 8869439 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx | Initial |
| 34222673 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  |  | Initial |
| 34222673 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  |  | Initial |
| 65736753 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note date is xx. | Initial |
| 65736753 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| 13151485 | xx | xx | Borrower Last Name | xx | xx |  |  | As per note. | Initial |
| 13151485 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | As per loan document. | Initial |
| 13151485 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per loan document. | Initial |
| 13151485 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | As per loan document. | Initial |
| 13151485 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  | As per loan document. | Initial |
| 13151485 | xx | xx | Subject Property Type | PUD | Single Family |  |  | As per loan document. | Initial |
| 83137599 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% |  | Initial |
| 83137599 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 53571136 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx%. | Initial |
| 53571136 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 53571136 | xx | xx | First Payment Date | xx | xx | -xx (Days) |  | First Payment Date is xx | Initial |
| 53571136 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV Ratio Percent is xx. | Initial |
| 53571136 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx. | Initial |
| 53571136 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original Standard LTV (OLTV) is xx. | Initial |
| 53571136 | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | Stated Maturity Date is Unavailable. | Initial |
| 87625069 | xx | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | N/A. | Initial |
| 87625069 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | DTI reflects xx.xxx%. | Initial |
| 87625069 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 87625069 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Housing ratio reflects xx.xxx%. | Initial |
| 26310222 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| 26310222 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 26310222 | xx | xx | Original Appraised Value | xx | xx | xx | x.xxxxx% | Original appraised value is xx. | Initial |
| 57706992 | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | Stated maturity date reflects xx. | Initial |
| 20500393 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| 85842799 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI RATIO Percent is xx.xxx% | Initial |
| 85842799 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Required MI? is not applicable | Initial |
| 85842799 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Housing Ratio Per U/W(Initial Rate) is xx.xxx% | Initial |
| 85842799 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV Ratio Percent is xx | Initial |
| 85842799 | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  | Original Note Doc Date is xx | Initial |
| 85842799 | xx | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 8702064 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% |  | Initial |
| 8702064 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 8702064 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% |  | Initial |
| 8702064 | xx | xx | Original Appraisal Date | Not Applicable | xx |  |  |  | Initial |
| 8702064 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% |  | Initial |
| 8702064 | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  |  | Initial |
| 8702064 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx.xxxxx% |  | Initial |
| 81358413 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 81358413 | xx | xx | Original Appraisal Date | xx | xx | xx (Days) |  | Original Appraisal Date is xx | Initial |
| 3478009 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% |  | Initial |
| 3478009 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 50869863 | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Age of loan is xx | Initial |
| 50869863 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 47266896 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| 47266896 | xx | xx | Borrower #2 Last Name | xx | xx |  |  | Borrower #x last name is xx. | Initial |
| 47266896 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 47266896 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Note doc date is xx. | Initial |
| 96750535 | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Age of Loan is xx | Initial |
| 96750535 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 84323873 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | age of Loan is x. | Initial |
| 84323873 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 84323873 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  |  | Initial |
| 84323873 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  |  | Initial |
| 15492106 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | DTI is xx.xx% | Initial |
| 3744603 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | -x.xxxxx% | Original Balance (or Line Amount) is xx | Initial |
| 3744603 | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | Stated Maturity Date is xx | Initial |
| 66766463 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | As per calculation. | Initial |
| 66766463 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | As per calculation. | Initial |
| 66766463 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | As per calculation. | Initial |
| 66766463 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | As per FCD. | Initial |
| 89610076 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx% | Initial |
| 89610076 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV Ratio Percent is xx | Initial |
| 89610076 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original Standard LTV(OLTV) is xx | Initial |
| 78987039 | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #x first name is xx | Initial |
| 78987039 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI ratio percent is xx.xxx% | Initial |
| 78987039 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 78987039 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | Original CLTV ratio percent is xx | Initial |
| 78987039 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Original Standard LTV (OLTV) is xx | Initial |
| 78987039 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD | Initial |
| 80469061 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI percent is xx.xxx% | Initial |
| 80469061 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 80469061 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx | Initial |
| 80469061 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD | Initial |
| 90363091 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of Loan is xx. | Initial |
| 90363091 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #x Middle Name is xx. | Initial |
| 90363091 | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #x First Name is xx. | Initial |
| 90363091 | xx | xx | Borrower #2 Last Name | xx | xx |  |  | Borrower #x Last Name is xx. | Initial |
| 90363091 | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | Borrower #x Middle Name is xx. | Initial |
| 90363091 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx%. | Initial |
| 90363091 | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx | Initial |
| 90363091 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx. | Initial |
| 90363091 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 90363091 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Housing Ratio per U/W (Initial Rate) is xx.xxx%. | Initial |
| 90363091 | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxxx (Days) |  | Interest Paid Through Date is x/x/xxxx. | Initial |
| 90363091 | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  |  | Initial |
| 90363091 | xx | xx | Stated Remaining Term | xxx | xxx | xxx | xx.xxxxx% |  | Initial |
| 85840727 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | NA. | Initial |
| 85840727 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 85840727 | xx | xx | Interest Paid Through Date | xx/x/xxxx | x/x/xxxx | -xx (Days) |  | Interest paid through date is xx/x/xxxx. | Initial |
| 85840727 | xx | xx | Loan Documentation Type | Alternative | Full Documentation |  |  | Documentation type is Alternative. | Initial |
| 71017599 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% |  | Initial |
| 71017599 | xx | xx | Borrower #2 First Name | xx | xx |  |  |  | Initial |
| 71017599 | xx | xx | Borrower #2 Last Name | xx | xx |  |  |  | Initial |
| 71017599 | xx | xx | Borrower First Name | Not Applicable | xx |  |  |  | Initial |
| 71017599 | xx | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| 71017599 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 71017599 | xx | xx | Interest Paid Through Date | xx/x/xxxx | x/x/xxxx | -xx (Days) |  | Interest paid through date is xx/x/xxxx | Initial |
| 71017599 | xx | xx | Loan Documentation Type | DSCR | Full Documentation |  |  |  | Initial |
| 71017599 | xx | xx | Subject Property Type | PUD | Single Family |  |  |  | Initial |
| 44503647 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| 44503647 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Borrower DTI ratio percent is xx.xxx%. | Initial |
| 44503647 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 44503647 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does not required MI cert. | Initial |
| 82048849 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan x | Initial |
| 82048849 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 82048849 | xx | xx | Does Lender G/L Require MI? | Not Applicable | Yes |  |  | Does Lender G/L Require MI Not Applicable | Initial |
| 82048849 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date xx | Initial |
| 18910160 | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Age of loan reflects x. | Initial |
| 18910160 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | DTI reflects xx.xxx%. | Initial |
| 18910160 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 18910160 | xx | xx | Subject Property Type | Manufactured Housing | Mobile Home |  |  | Subject property type reflects manufactured housing. | Initial |
| 12524526 | xx | xx | Age of Loan | xx | xx | -x | -xx.xxxxx% | Age of loan is xx. | Initial |
| 12524526 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI ratio percent is xx.xxx%. | Initial |
| 12524526 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 12524526 | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Original appraisal date is xx. | Initial |
| 30740647 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| 30740647 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Borrower DTI ratio percent is xx.xxx%. | Initial |
| 30740647 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx. | Initial |
| 30740647 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A | Initial |
| 30740647 | xx | xx | Does Lender G/L Require MI? | Not Applicable | Yes |  |  | N/A | Initial |
| 30740647 | xx | xx | MI Company | Not Applicable | xx |  |  | N/A | Initial |
| 30740647 | xx | xx | MI Coverage Amount | Not Applicable | xx.xxx% |  |  | N/A | Initial |
| 30740647 | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | original appraisal date is xx. | Initial |
| 30274828 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI Ratio percent is xx.xxx% | Initial |
| 45707348 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L Require MI? is not applicable | Initial |
| 45707348 | xx | xx | Escrow Account Indicator | Yes | No |  |  | Escrow account indicator is yes | Initial |
| 45707348 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original OLTV Ratio percent is xx | Initial |
| 45707348 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx | Initial |
| 45707348 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original standard LTV is xx | Initial |
| 45707348 | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | No Cash-Out |  |  | Purpose of refinance per HUD-x is Limited cash out | Initial |
| 37380914 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI ratio percent is xx.xxx%. | Initial |
| 37380914 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Housing ratio per U/W is xx.xxx%. | Initial |
| 74938097 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #x Middle Name is xx. | Initial |
| 74938097 | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | Borrower #x Middle Name is xx. | Initial |
| 74938097 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx%. | Initial |
| 74938097 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx. | Initial |
| 74938097 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Housing Ratio per U/W (Initial Rate) is xx.xxx%. | Initial |
| 74938097 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Purpose of Refinance Per HUD-x is Change in Rate/Term. | Initial |
| 74938097 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of Transaction per HUD-x is Refinance. | Initial |
| 24577866 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | BWR DTI ratio xx.xxx%. | Initial |
| 24577866 | xx | xx | Escrow Account Indicator | Yes | No |  |  | As per documents. | Initial |
| 24577866 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | As per calculation. | Initial |
| 24577866 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | As per calculation. | Initial |
| 32313554 | xx | xx | ARM Index Type | Not Applicable | LIBOR - x month WSJ |  |  |  | Initial |
| 32313554 | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | The loan has been modified. Hence did a modification change note terms is yes. However, tape shows No. | Initial |
| 32313554 | xx | xx | First Pay Change Date | Not Applicable | x/x/xxxx |  |  | As Per FIXED rate note first pay change date is not applicable. However Tape data shows as x/x/xxxx. | Initial |
| 32313554 | xx | xx | First Rate Change Date | Not Applicable | x/x/xxxx |  |  | As Per FIXED rate note first rate change date is not applicable. However Tape data shows as x/x/xxxx. | Initial |
| 32313554 | xx | xx | Last Payment Received Date | xx/xx/xxxx | x/xx/xxxx | xxxx (Days) |  | As Per payment history last payment received date x/xx/xxxx. However Tape data shows as x/xx/xxxx. | Initial |
| 32313554 | xx | xx | Loan Amortization Type | Step | ARM |  |  | As Per Loan modification agreement loan amortization type is step. However Tape data shows as ARM. | Initial |
| 32313554 | xx | xx | Loan Documentation Type | Unavailable | Reduced |  |  | As Per Loan application loan documentation type is Full documentation. However Tape data shows as Reduced. | Initial |
| 32313554 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | x | x.xxxxx% | As Per Note loan original maturity term months is xxx. However Tape data shows as xxx. | Initial |
| 32313554 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | As Per note original stated P&I is xx. However Tape data shows as xx. | Initial |
| 32313554 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | As Per note original stated rate is x.xxxx%. However Tape data shows as x.xxxx%. | Initial |
| 32313554 | xx | xx | Pay Change Frequency | Not Applicable | x Months |  |  | As Per FIXED rate note pay change frequency is not applicable. However Tape data shows as x moths. | Initial |
| 32313554 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxx |  |  | As Per payment history String is xxxxxxxxxxxx. However Tape data shows as xxxxxxxxxxx. | Initial |
| 32313554 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxx |  |  | As Per payment history String reversed is xxxxxxxxxxxx. However Tape data shows as xxxxxxxxxxx. | Initial |
| 32313554 | xx | xx | Subject Property Type | PUD | Single Family |  |  | As Per Appraisal subject property type is PUD. However Tape data shows as single family. | Initial |
| 20295823 | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Age of loan is x | Initial |
| 20295823 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 20295823 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx | Initial |
| 92014440 | xx | xx | Borrower Last Name | xx | xx |  |  | As per note. | Initial |
| 92014440 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N.A. | Initial |
| 92014440 | xx | xx | Payment History String | xxxxxx | xxxx |  |  |  | Initial |
| 92014440 | xx | xx | Property Address Street | xx | xx |  |  | As per note. | Initial |
| 15241506 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan xx | Initial |
| 15241506 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | As per loan document. | Initial |
| 15241506 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 15241506 | xx | xx | Original Appraised Value | xx | xx | xx | -x.xxxxx% | As per loan document. | Initial |
| 15241506 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | As per loan document. | Initial |
| 15241506 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | As per loan document. | Initial |
| 15241506 | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | As per loan document. | Initial |
| 17161484 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of the loan is xx. | Initial |
| 17161484 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | BWR DTI ratio percent xx.xx%. | Initial |
| 17161484 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 17161484 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A. | Initial |
| 18701833 | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% |  | Initial |
| 18701833 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 22254666 | xx | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | NA. | Initial |
| 22254666 | xx | xx | Borrower #2 First Name | xx | xx |  |  | BWRx first name is xx. | Initial |
| 22254666 | xx | xx | Borrower #2 Last Name | xx | xx |  |  | BWRx last name is xx. | Initial |
| 22254666 | xx | xx | Borrower #2 Middle Name | xx | xx |  |  |  | Initial |
| 22254666 | xx | xx | Borrower First Name | xx | xx |  |  | BWR first name is xx. | Initial |
| 22254666 | xx | xx | Borrower Last Name | xx | xx |  |  | BWR last name is xx. | Initial |
| 22254666 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Housing ratio is xx.xxx%. | Initial |
| 75169659 | xx | xx | Borrower First Name | Not Applicable | xx |  |  |  | Initial |
| 75169659 | xx | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| 75169659 | xx | xx | Debt Service Coverage Ratio (DSCR) | x.xx | x.xx | -x.xx | -x.xxxxx% |  | Initial |
| 75169659 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 75169659 | xx | xx | Payment History String | Not Applicable | xXxx |  |  |  | Initial |
| 61190697 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | DTI is xx.xxx%. | Initial |
| 61190697 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 61190697 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 61190697 | xx | xx | Original Appraised Value | xx | xx | xx | -x.xxxxx% | Appraised value is xx. | Initial |
| 61190697 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | CLTV is xx. | Initial |
| 61190697 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Note date is xx, | Initial |
| 61190697 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | LTV is xx. | Initial |
| 61190697 | xx | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 21685947 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 21685947 | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | Stated maturity date is xx. | Initial |
| 21685947 | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated remaining term is xxx. | Initial |
| 25954116 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | DTI is xx.xx%. | Initial |
| 25954116 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 25954116 | xx | xx | Original Appraised Value | xx | xx | xx | x.xxxxx% | Appraised value xx | Initial |
| 81421778 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx% | Initial |
| 81421778 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Housing Ratio Per U/W(Initial Rate) is xx.xxx% | Initial |
| 81421778 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV Ratio Percent is xx | Initial |
| 81421778 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original Standard LTV is xx | Initial |
| 35115211 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 35115211 | xx | xx | Deferred Balance Amount | Not Applicable | $xxxxx.xx |  |  | Deferred Balance Amount is Not Applicable | Initial |
| 35115211 | xx | xx | Loan Amortization Type | Unavailable | Fixed |  |  | Loan Amortization type is Unavailable | Initial |
| 35115211 | xx | xx | Original Appraised Value | xx | xx | xx | -x.xxxxx% | Original appraised value is xx | Initial |
| 35115211 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV Ratio Percent is xx | Initial |
| 35115211 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original Standard LTV is xx | Initial |
| 35115211 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history string is xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx | Initial |
| 62341034 | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | Middle name of BWR is xx. | Initial |
| 62341034 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 8177316 | xx | xx | Amortization Term Months (CE, S&P) | xxx | xxx | xx | xx.xxxxx% | Amortization Term Months (CE, S&P) is xxx. | Initial |
| 8177316 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy (Post-Loan Origination) is Yes. | Initial |
| 8177316 | xx | xx | Current Value | Unavailable | xx |  |  | Current Value is Not Applicable. | Initial |
| 8177316 | xx | xx | Deferred Balance Amount | Not Applicable | $xxxx.xx |  |  | NA | Initial |
| 8177316 | xx | xx | Doc Date of Last Modification | xx | xx | xxxx (Days) |  | NA | Initial |
| 8177316 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | xx | xx.xxxxx% | Loan Original Maturity Term Months is xxx. | Initial |
| 8177316 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String is xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 93252911 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 93252911 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -xxx.xxxxx% | Original CLTV Ratio Percent is xx | Initial |
| 93252911 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String is | Initial |
| 63149668 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 63149668 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | LTV is xx. | Initial |
| 63149668 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | LTV is xx. | Initial |
| 28810295 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 28810295 | xx | xx | Doc Date of Last Modification | Unavailable | xx |  |  | Doc date of last modification is U/A. | Initial |
| 28810295 | xx | xx | Loan Amortization Type | Not Applicable | Fixed |  |  | Loan amortization Type is U/A. | Initial |
| 28810295 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original standard LTV is xx. | Initial |
| 28810295 | xx | xx | Purpose of Refinance Per HUD-1 | Not Applicable | Change in Rate/Term |  |  | NA | Initial |
| 28810295 | xx | xx | Stated Maturity Date | Unavailable | xx |  |  | Stated maturity date is U/A. | Initial |
| 28810295 | xx | xx | Subject Property Type | Manufactured Housing | Single Family |  |  | Subject property type is manufactured housing. | Initial |
| 33411757 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 33411757 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  | Initial |
| 51527259 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 51527259 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  |  | Initial |
| 57709570 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 43261438 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 43261438 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | Original CLTV ratio percent is xx. | Initial |
| 43261438 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Original standard LTV (OLTV) is xx. | Initial |
| 43261438 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| 90054483 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy is yes. | Initial |
| 90054483 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 90054483 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | LTV is xx. | Initial |
| 90054483 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | LTV is xx. | Initial |
| 90054483 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  | Payment history string is xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 57168596 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 57168596 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | Currently in Foreclosure? is yes | Initial |
| 57168596 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | Original CLTV Ratio Percent is xx | Initial |
| 57168596 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Original Standard LTV(OLTV) is xx | Initial |
| 57168596 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  |  | Initial |
| 85328634 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 85328634 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | LTV is xx. | Initial |
| 19172309 | xx | xx | Amortization Term Months (CE, S&P) | xxx | xxx | -xxx | -xx.xxxxx% |  | Initial |
| 19172309 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  |  | Initial |
| 19172309 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 19172309 | xx | xx | Loan Amortization Type | Fixed | Step |  |  |  | Initial |
| 19172309 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xxx | -xx.xxxxx% |  | Initial |
| 19172309 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  |  | Initial |
| 35450316 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 57116423 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 57116423 | xx | xx | Original CLTV Ratio Percent | Unavailable | xx |  |  | Original CLTV Ratio Percent is xx. | Initial |
| 57116423 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original Standard LTV (OLTV) is xx. | Initial |
| 57116423 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxx |  |  | Payment History String is xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 62105179 | xx | xx | Amortization Term Months (CE, S&P) | xxx | xxx | xx | xx.xxxxx% | Amortization Term Months (CE,S&P) is xxx. | Initial |
| 62105179 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 62105179 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | Yes | Initial |
| 62105179 | xx | xx | Deferred Balance Amount | Not Applicable | $xxx.xx |  |  | Deferred Balance Amount is Unavailable | Initial |
| 62105179 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | xx | xx.xxxxx% | Loan Original Maturity Term Months is xxx. | Initial |
| 50855013 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 7390293 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 7390293 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV is xx. | Initial |
| 7390293 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original standard LTV is xx. | Initial |
| 66828233 | xx | xx | Borrower First Name | xx | xx |  |  | xx | Initial |
| 66828233 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 66828233 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| 66828233 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | xx | Initial |
| 66828233 | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | Limited Cash Out (GSE definiti | Initial |
| 70290718 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 70290718 | xx | xx | Original CLTV Ratio Percent | Unavailable | xx |  |  | Original CLTV ratio percent is Unavailble | Initial |
| 70290718 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original standard LTV (OLTV) is unavailale | Initial |
| 70290718 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  | Payment history string is xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx | Initial |
| 51766258 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A | Initial |
| 51766258 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxx |  |  | x | Initial |
| 68832141 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 68832141 | xx | xx | Original Appraised Value | xx | xx | xx | x.xxxxx% | Original Appraised Value xx | Initial |
| 68832141 | xx | xx | Payment History String | xxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxx |  |  | Payment History String xxxxxxxxxxxxxxxx | Initial |
| 98527136 | xx | xx | Amortization Term Months (CE, S&P) | xxx | xxx | -xxx | -xx.xxxxx% | Amortization Term Months (CE S&P) is xxx | Initial |
| 98527136 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 98527136 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xxx | -xx.xxxxx% | Loan Original Maturity Term Months is xxx | Initial |
| 98527136 | xx | xx | Original CLTV Ratio Percent | Unavailable | xx |  |  | Original CLTV Ratio Percent is xx | Initial |
| 98527136 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original Standard LTV (OLTV) is xx | Initial |
| 98527136 | xx | xx | Property Address Street | xx | xx |  |  | As per note. | Initial |
| 59308503 | xx | xx | Amortization Term Months (CE, S&P) | xxx | xxx | xxx | xx.xxxxx% | Amortization term months is xxx. | Initial |
| 59308503 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy is yes. | Initial |
| 59308503 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 59308503 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  |  | Initial |
| 59308503 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | xxx | xx.xxxxx% | Loan original maturity term months is xxx. | Initial |
| 59308503 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  | Initial |
| 59308503 | xx | xx | Subject Property Type | Manufactured Housing | Vacant Land |  |  | Subject property type is mobile home. | Initial |
| 78589583 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 78589583 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| 78589583 | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  |  | Initial |
| 72846554 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of Loan is xx. | Initial |
| 72846554 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx%. | Initial |
| 72846554 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 72846554 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD. | Initial |
| 26585682 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% |  | Initial |
| 26585682 | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | As per note. | Initial |
| 26585682 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Unavailable. | Initial |
| 26585682 | xx | xx | Current Value | Not Applicable | xx |  |  | N.A. | Initial |
| 26585682 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | As per calculation. | Initial |
| 26585682 | xx | xx | Subject Property Type | PUD | Single Family |  |  | As per appraisal. | Initial |
| 85806167 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx | Initial |
| 85806167 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 85806167 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD | Initial |
| 23916715 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| 23916715 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI ratio is xx.xxx%. | Initial |
| 23916715 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 23916715 | xx | xx | Original Appraised Value | xx | xx | xx | x.xxxxx% | Original appraised value is xx. | Initial |
| 23916715 | xx | xx | Property Address Street | xx | xx |  |  | As per note. | Initial |
| 46758967 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% |  | Initial |
| 46758967 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 46758967 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% |  | Initial |
| 46758967 | xx | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 46758967 | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx | xx | -xx.xxxxx% |  | Initial |
| 46758967 | xx | xx | Subject Property Type | PUD | Single Family |  |  |  | Initial |
| 53587794 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | NA. | Initial |
| 53587794 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | DTI is xx.xx%. | Initial |
| 53587794 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 53587794 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | LTV is xx. | Initial |
| 53587794 | xx | xx | Property Address Street | xx | xx |  |  | Property address is xx. | Initial |
| 53587794 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Property type is PUD. | Initial |
| 91529896 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | As per calculation. | Initial |
| 91529896 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | As per calculation. | Initial |
| 91529896 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per note. | Initial |
| 66667755 | xx | xx | Age of Loan | x | xx | -x | -xx.xxxxx% |  | Initial |
| 66667755 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% |  | Initial |
| 66667755 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 66667755 | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  |  | Initial |
| 66667755 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  |  | Initial |
| 66667755 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% |  | Initial |
| 66667755 | xx | xx | Payment History String | xxxxxxxxxx | xXxx |  |  |  | Initial |
| 81397443 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% |  | Initial |
| 81397443 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% |  | Initial |
| 81397443 | xx | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| 81397443 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 81397443 | xx | xx | Original Note Doc Date | xx | xx | x (Days) |  |  | Initial |
| 81397443 | xx | xx | Original Stated P&I | xx | xx | xx | x.xxxxx% |  | Initial |
| 81397443 | xx | xx | Payment History String | xxxxxx | xxxx |  |  |  | Initial |
| 81397443 | xx | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 81397443 | xx | xx | Subject Property Type | PUD | Single Family |  |  |  | Initial |
| 65930364 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx%. | Initial |
| 65930364 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 65930364 | xx | xx | Original Appraisal Date | Not Applicable | xx |  |  | Original Appraisal Date is Not Applicable. | Initial |
| 65930364 | xx | xx | Original Note Doc Date | xx | xx | -xx (Days) |  | Original Note Doc Date is xx. | Initial |
| 44679991 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A | Initial |
| 44679991 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A | Initial |
| 44679991 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | CLTV reflects xx | Initial |
| 44679991 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per note. Note date reflects xx. | Initial |
| 44679991 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | LTV reflects xx. | Initial |
| 83780078 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | xx.xxx% | xx.xxxxx% |  | Initial |
| 83780078 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 83780078 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% |  | Initial |
| 5975524 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% |  | Initial |
| 5975524 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% |  | Initial |
| 5975524 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 5975524 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 5975524 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% |  | Initial |
| 5975524 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% |  | Initial |
| 11224718 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% |  | Initial |
| 11224718 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 36026137 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| 36026137 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 12799389 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% |  | Initial |
| 12799389 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% |  | Initial |
| 12799389 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 12799389 | xx | xx | Subject Property Type | x Family | Single Family |  |  |  | Initial |
| 63846579 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A | Initial |
| 63846579 | xx | xx | Is REO Active? | Not Applicable | No |  |  | N/A | Initial |
| 63846579 | xx | xx | MERS MIN Number | xx | xx |  |  | MERS MIN no. reflects xx. | Initial |
| 63846579 | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Appraisal date reflects xx. | Initial |
| 63846579 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | CLTV reflects xx. | Initial |
| 63846579 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | LTV reflects xx. | Initial |
| 80367151 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 80367151 | xx | xx | Is REO Active? | Not Applicable | No |  |  | N/A. | Initial |
| 80367151 | xx | xx | MERS MIN Number | xx | xx |  |  | MERS MIN Number is xx | Initial |
| 80367151 | xx | xx | Number Of Units | x | x | x | xxx.xxxxx% | Number of units x. | Initial |
| 80367151 | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Original Appraisal Date is xx | Initial |
| 80367151 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV Ratio Percent is xx | Initial |
| 80367151 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original Standard LTV(OLTV) is xx | Initial |
| 80367151 | xx | xx | Subject Property Type | x Family | Single Family |  |  | Subject property x family. | Initial |
| 12595896 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 12595896 | xx | xx | Escrow Account Indicator | Yes | No |  |  | Escrow indicator yes. | Initial |
| 12595896 | xx | xx | Is REO Active? | Not Applicable | No |  |  | NA | Initial |
| 12595896 | xx | xx | MERS MIN Number | xx | xx |  |  | MERS MIN number is xx. | Initial |
| 12595896 | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Original appraisal date is xx. | Initial |
| 12595896 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 85062409 | xx | xx | Amortization Term Months (CE, S&P) | xxx | xxx | -xxx | -xx.xxxxx% | Amortization term months is xxx. | Initial |
| 85062409 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 85062409 | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Did a modification charge note terms is yes. | Initial |
| 85062409 | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO active N/A. | Initial |
| 85062409 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xxx | -xx.xxxxx% | Loan original maturity term month is xxx. | Initial |
| 85062409 | xx | xx | MERS MIN Number | xx | xx |  |  |  | Initial |
| 85062409 | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Original appraisal date is xx. | Initial |
| 85062409 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | Original stated P&I is xx. | Initial |
| 14208467 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 14208467 | xx | xx | Currently in Foreclosure? | Yes | No |  |  |  | Initial |
| 14208467 | xx | xx | Deferred Balance Amount | Not Applicable | $xxxx.xx |  |  |  | Initial |
| 14208467 | xx | xx | MERS MIN Number | xx | xx |  |  |  | Initial |
| 14208467 | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  |  | Initial |
| 14208467 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% |  | Initial |
| 14208467 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% |  | Initial |
| 14208467 | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% |  | Initial |
| 14208467 | xx | xx | Subject Property Detached/Attached | Attached | Detached |  |  |  | Initial |
| 14208467 | xx | xx | Subject Property Type | PUD | Single Family |  |  |  | Initial |
| 23385303 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 23385303 | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO active is not applicable | Initial |
| 23385303 | xx | xx | MERS MIN Number | xx | xx |  |  | MERS MIN Number is xx | Initial |
| 23385303 | xx | xx | Occupancy at Origination (Property Usage Type) | Investor | Primary |  |  | Occupancy at origination (property usage type) is Investor | Initial |
| 23385303 | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Original appraisal date is xx | Initial |
| 33895441 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 33895441 | xx | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| 33895441 | xx | xx | MERS MIN Number | xx | xx |  |  | MERS MIN Number is xx | Initial |
| 33895441 | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Original Appraisal date is xx | Initial |
| 33895441 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | Original CLTV Ratio Percent is xx | Initial |
| 33895441 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Original Standard LTV (OLTV) xx | Initial |
| 33895441 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Purpose of Refinance per HUD-x is Cash Out | Initial |
| 44474613 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 44474613 | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO Active? is not applicable | Initial |
| 44474613 | xx | xx | MERS MIN Number | xx | xx |  |  | MERS MIN Number is xx | Initial |
| 44474613 | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Original appraisal date is xx | Initial |
| 44474613 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original OLTV Ratio percent is xx | Initial |
| 44474613 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original standard LTV is xx | Initial |
| 44474613 | xx | xx | Purpose of Refinance Per HUD-1 | No Cash-Out | Change in Rate/Term |  |  | Purpose of refinance per HUD-x is limited cash out | Initial |
| 68915992 | xx | xx | Borrower Last Name | xx | xx |  |  | As per Note, borrower last name is xx. However, tape reflects that it is xx. | Initial |
| 68915992 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | Currently in Foreclosure is Yes. However, tape relfects that it is No. | Initial |
| 68915992 | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | A modification change note term is Yes. However, tape reflects that it is No. | Initial |
| 68915992 | xx | xx | Original Appraised Value | xx | xx | xx | x.xxxxx% | As per appraisal report, original appraised value is xx. However, tape reflects that it is xx. | Initial |
| 68915992 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxx.xx | $xxxxx.xx | xx.xxxxx% | As per payment history, total debt is $xxx,xxx.xx. However, tape reflects that it is $xx,xxx.xx. | Initial |
| 24179826 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI Ratio percent is xx.xxx% | Initial |
| 24179826 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 24179826 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Housing ratio per U/W is xx.xxx% | Initial |
| 24179826 | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO Active? is not applicable | Initial |
| 24179826 | xx | xx | MERS MIN Number | xx | xx |  |  | MERS MIN Number is xx | Initial |
| 24179826 | xx | xx | Original Appraisal Date | Not Applicable | xx |  |  | Original appraisal date is not applicable | Initial |
| 24179826 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | Original OLTV Ratio percent is xx | Initial |
| 24179826 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Original Standard LTV is xx | Initial |
| 24179826 | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | Stated remaining term si xxx | Initial |
| 89271158 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI Ratio | Initial |
| 89271158 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 89271158 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Housing Ratio Per U/W(Initial Rate) is xx.xxx% | Initial |
| 89271158 | xx | xx | Is REO Active? | Not Applicable | No |  |  | N/A. | Initial |
| 89271158 | xx | xx | MERS MIN Number | xx | xx |  |  | MERS number is xx. | Initial |
| 89271158 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV Ratio Percent id xx | Initial |
| 89271158 | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | Purpose of refinance is limited cash-out. | Initial |
| 36999741 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 36999741 | xx | xx | Currently in Foreclosure? | Yes | No |  |  |  | Initial |
| 36999741 | xx | xx | MERS MIN Number | xx | xx |  |  |  | Initial |
| 36999741 | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  |  | Initial |
| 32994559 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 32994559 | xx | xx | Is REO Active? | Not Applicable | No |  |  | NA | Initial |
| 32994559 | xx | xx | MERS MIN Number | xx | xx |  |  | xx | Initial |
| 32994559 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| 32994559 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | xx | Initial |
| 32994559 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  |  | Initial |
| 56497351 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx% | Initial |
| 77567574 | xx | xx | Mortgage Type | VA | Conventional |  |  |  | Initial |
| 77567574 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% |  | Initial |
| 77567574 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% |  | Initial |
| 93266152 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  |  | Initial |
| 96747267 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  |  | Initial |
| 62476428 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx. | Initial |
| 89409032 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan xx. | Initial |
| 89409032 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | BWR DTI ratio percent xx.xxx%. | Initial |
| 89409032 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 1781755 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of Loan is x | Initial |
| 1781755 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx% | Initial |
| 1781755 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 1781755 | xx | xx | Original Appraised Value | xx | xx | xx | x.xxxxx% | Original Appraised Value is xx | Initial |
| 1781755 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx. | Initial |
| 1781755 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 13351671 | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | As per note. | Initial |
| 13351671 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | As per loan document. | Initial |
| 13351671 | xx | xx | First Payment Date | xx | xx | -xx (Days) |  | As per note. | Initial |
| 13351671 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per note. | Initial |
| 13351671 | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | As per note. | Initial |
| 44571218 | xx | xx | Application Date (Baseline script version) | xx | xx | xx (Days) |  | Application date (Base script version) is xx | Initial |
| 44571218 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV ratio percent is xx | Initial |
| 44571218 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx. | Initial |
| 44571218 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original standard LTV (OLTV) is xx | Initial |
| 44571218 | xx | xx | Original Stated P&I | xx | xx |  |  | Original stated P&I is xx. | Initial |
| 50227685 | xx | xx | Application Date (Baseline script version) | xx | xx | xx (Days) |  | Application Date is xx | Initial |
| 50227685 | xx | xx | B1 Self-Employed? | Unavailable | Yes |  |  |  | Initial |
| 50227685 | xx | xx | Cash To Borrower (HUD-1 Line 303) | xx | xx | xx | -x.xxxxx% | Cash To Borrower (HUD-x Line xxx) is xx | Initial |
| 50227685 | xx | xx | Debt Service Coverage Ratio (DSCR) | x.xx | x.xx | x.xx | xx.xxxxx% | Debt Service Coverage Ratio (DSCR) is - x.xx | Initial |
| 50227685 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV Ratio Percent is xx | Initial |
| 50227685 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original Standard LTV is xx | Initial |
| 50227685 | xx | xx | Property Address Street | xx | xx |  |  | Property Address street is xx | Initial |
| 50227685 | xx | xx | Subject Property Type | High Rise Condo (>=x Stories) | Low Rise Condo (x-x Stories) |  |  | Subject Property Type is High Rise Condo (>x Stories) | Initial |
| 11421978 | xx | xx | Application Date (Baseline script version) | xx | xx | xxx (Days) |  | As per xxxx date is xx. | Initial |
| 11421978 | xx | xx | Cash To Borrower (HUD-1 Line 303) | xx | xx | xx | -xxx.xxxxx% | As per FCD. | Initial |
| 11421978 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | As per calculation CLTV at xx. | Initial |
| 11421978 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per note date xx. | Initial |
| 11421978 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | As per calculation LTV at xx.. | Initial |
| 6944131 | xx | xx | Application Date (Baseline script version) | xx | xx | xx (Days) |  | Application date is xx. | Initial |
| 6944131 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Note date is xx. | Initial |
| 6944131 | xx | xx | Original Stated P&I | xx | xx |  |  | P&I is xx. | Initial |
| 27473363 | xx | xx | Application Date (Baseline script version) | xx | xx | xx (Days) |  | As per xxxx. | Initial |
| 27473363 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | As per calculation. | Initial |
| 83287964 | xx | xx | Age of Loan | x | xx | -x | -xx.xxxxx% | NA. | Initial |
| 83287964 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 83287964 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Note date is xx. | Initial |
| 22166895 | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Age of Loan is x | Initial |
| 22166895 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 22166895 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI ? is Not Appliable | Initial |
| 22166895 | xx | xx | Mortgage Type | FHA | Conventional |  |  | Mortgage Type is FHA | Initial |
| 22166895 | xx | xx | Original Appraised Value | xx | xx | xx | x.xxxxx% | Original Appraisal Value is xx | Initial |
| 22166895 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV Ratio Percent si xx | Initial |
| 22166895 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original Standard LTV is xx | Initial |
| 87289518 | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Age of loan is x | Initial |
| 87289518 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 87289518 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx | Initial |
| 1692113 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | xx. | Initial |
| 1692113 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A | Initial |
| 1692113 | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Appraisal date reflects xx | Initial |
| 21171431 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x | Initial |
| 21171431 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 21171431 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Required MI? is Not Applicable | Initial |
| 21171431 | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Original Appraisal Date is xx | Initial |
| 2478382 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of the loan is x. | Initial |
| 2478382 | xx | xx | Borrower Last Name | xx | xx |  |  | BWR last name us xx. | Initial |
| 2478382 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A | Initial |
| 2478382 | xx | xx | Original Appraised Value | xx | xx | xx | x.xxxxx% | Appraised value is xx. | Initial |
| 2478382 | xx | xx | Stated Remaining Term | xxx | xxx | -xx | -x.xxxxx% | Stated remaining term is xxx. | Initial |
| 79126681 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Note date reflects xx. | Initial |
| 79126681 | xx | xx | Subject Property Type | Low Rise Condo (x-x Stories) | Single Family |  |  | Property type reflects low rise condo. | Initial |
| 65568249 | xx | xx | Amortized Term (Calculated) | xxx | xxx | -xxx | -xx.xxxxx% | Amortized Term shows xxx however tape data shows xxx | Initial |
| 65568249 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | Doc date of last modification is xx however tape data shows xx | Initial |
| 65568249 | xx | xx | Loan Amortization Type | ARM | Fixed |  |  | Loan amortization type is ARM however tape data shows Fixed | Initial |
| 65568249 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original Standard LTV is xx however tape data shows xx | Initial |
| 65568249 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history string xxxxxxxxxxxx however tape data shows xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 65568249 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history string reversed xxxxxxxxxxxx however tape data shows xxxxxxxxxxxxxxxxxxxxx | Initial |
| 3706989 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 3706989 | xx | xx | MI Company | xx | xx |  |  | MI Company is xx | Initial |
| 3706989 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV Ratio Percent is xx | Initial |
| 3706989 | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  | Original note doc date is xx | Initial |
| 3706989 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original Standard LTV(OLTV) is xx | Initial |
| 3706989 | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | Stated Maturity Date is xx | Initial |
| 4862241 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% |  | Initial |
| 4862241 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 4862241 | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  | Original Note Doc Date is xx. | Initial |
| 4862241 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -xxxx.xxxxx% | Original Standard LTV (OLTV) is xx. | Initial |
| 4862241 | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | Stated Maturity Date is xx. | Initial |
| 93487920 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI Ratio percent is xx.xxx% | Initial |
| 93487920 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 93487920 | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  | Original note doc date is xx | Initial |
| 93487920 | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | Stated maturity date is xx | Initial |
| 49293517 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | xx.xxx% | xx.xxxxx% | Borrower DTI Ratio Percent is xx.xxx% | Initial |
| 49293517 | xx | xx | Current Value | Not Applicable | xx |  |  | Current vALUE IS NOT APPLICABLE | Initial |
| 49293517 | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  | Original Note Doc Date is xx | Initial |
| 49293517 | xx | xx | Original Stated P&I | xx | xx | xx | xxx.xxxxx% | Original stated P&I is xx. | Initial |
| 49293517 | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | Stated Maturity Date is xx | Initial |
| 21300405 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 21300405 | xx | xx | Original Appraised Value | xx | xx | xx | -xx.xxxxx% |  | Initial |
| 21300405 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx.xxxxx% |  | Initial |
| 21300405 | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  |  | Initial |
| 21300405 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx.xxxxx% |  | Initial |
| 21300405 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  |  | Initial |
| 21300405 | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  |  | Initial |
| 99266741 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI ratio percent is xx.xxx% | Initial |
| 99266741 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 99266741 | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  | Original note doc date is xx | Initial |
| 99266741 | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | Stated maturity date is xx | Initial |
| 53059159 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI ratio percent is xx.xxx% | Initial |
| 53059159 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Housing ratio per U/W (Initial Rate) is xx.xxx% | Initial |
| 53059159 | xx | xx | MI Coverage Amount | Not Applicable | x.xxx% |  |  | MI coverage amount is not applicable | Initial |
| 53059159 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original note doc date is xx | Initial |
| 53059159 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx | Initial |
| 91047648 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx% | Initial |
| 91047648 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Housing Ratio per U/W (Initial Rate) is xx.xxx% | Initial |
| 91047648 | xx | xx | MI Coverage Amount | Not Applicable | x.xxx% |  |  | MI Coverage Amount is Not Applicable | Initial |
| 91047648 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| 19902707 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI Ratio percent is xx.xxx% | Initial |
| 19902707 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Housing Ratio per U/W(Initial Rate) is xx.xxx% | Initial |
| 29735260 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI Ratio percent is xx.xxx%. | Initial |
| 29735260 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Housing ratio per is xx.xxx%. | Initial |
| 29735260 | xx | xx | MI Coverage Amount | Unavailable | x.xxx% |  |  | MI Coverage amount is unavailable | Initial |
| 29735260 | xx | xx | Subject Property Type | High Rise Condo (>=x Stories) | Low Rise Condo (x-x Stories) |  |  | Subject property type is High Rise Condo. | Initial |
| 90588749 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx%. | Initial |
| 90588749 | xx | xx | Housing Ratio per U/W (Initial Rate) | x.xxx% | x.xxx% | x.xxx% | x.xxxxx% |  | Initial |
| 90588749 | xx | xx | MI Coverage Amount | Not Applicable | x.xxx% |  |  |  | Initial |
| 90588749 | xx | xx | Subject Property Type | x Family | Single Family |  |  | Subject Property Type is x Family. | Initial |
| 84316810 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI ratio percent is xx.xxx%. | Initial |
| 84316810 | xx | xx | Borrower Last Name | xx | xx |  |  | As per note. | Initial |
| 84316810 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Housing ratio per U/W is xx.xxx%. | Initial |
| 84316810 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per note. | Initial |
| 58435062 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Updated as per document. | Initial |
| 58435062 | xx | xx | MI Coverage Amount | Not Applicable | x.xxx% |  |  | Updated as per document. | Initial |
| 58435062 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Updated as per document. | Initial |
| 58435062 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Updated as per document. | Initial |
| 63288962 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | As per loan document. | Initial |
| 63288962 | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | NA. | Initial |
| 31811339 | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Interest Paid Through Date is x/x/xxxx | Initial |
| 31811339 | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  | Original Note Doc Date is xx | Initial |
| 31811339 | xx | xx | Subject Property Type | Mid Rise Condo (x-x Stories) | Low Rise Condo (x-x Stories) |  |  | Subject Property Type is Mid Rise Condo (x-x Stories) | Initial |
| 46187893 | xx | xx | Interest Paid Through Date | xx/x/xxxx | x/x/xxxx | -xxx (Days) |  | Interest paid through date is xx/x/xxxx. | Initial |
| 46187893 | xx | xx | MI Coverage Amount | Not Applicable | x.xxx% |  |  | NA | Initial |
| 43792845 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx% | Initial |
| 43792845 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Housing Ratio Per U/W(Initial Rate) is xx.xxx% | Initial |
| 43792845 | xx | xx | MI Coverage Amount | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | MI Coverage Amount is xx.xxx% | Initial |
| 43792845 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Original Standard LTV (OLTV) is xx | Initial |
| 43792845 | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | Purpose of Refinance Per HUD-x Limited Casg out | Initial |
| 45239227 | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Age of loan x | Initial |
| 45239227 | xx | xx | Borrower #1 Middle Name | xx |  |  |  | BWR Middle Name xx | Initial |
| 45239227 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is not applicable | Initial |
| 45239227 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date xx | Initial |
| 79017136 | xx | xx | Cash To Borrower (HUD-1 Line 303) | xx |  |  |  | Cash to BWR is xx. | Initial |
| 79017136 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 79017136 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 79017136 | xx | xx | MI Company | xx |  |  |  | MI Company is xx. | Initial |
| 79017136 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | CLTV ratio at xx. | Initial |
| 79017136 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | LTV at xx. | Initial |
| 79017136 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  | Purpose of refinance is Change in Rate/Term. | Initial |
| 79017136 | xx | xx | Stated Maturity Date | xx | xx | xxx (Days) |  | Stated maturity date is xx. | Initial |
| 93576006 | xx | xx | Cash To Borrower (HUD-1 Line 303) | xx | xx | xx | -xx.xxxxx% |  | Initial |
| 93576006 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 93576006 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 93576006 | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xx (Days) |  |  | Initial |
| 93576006 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% |  | Initial |
| 93576006 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% |  | Initial |
| 59679621 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  |  | Initial |
| 59679621 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 59679621 | xx | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 5561876 | xx | xx | Age of Loan | x | xx | -x | -xx.xxxxx% |  | Initial |
| 5561876 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 5561876 | xx | xx | Payment History String | xxxxxxxxxx | xxxx |  |  |  | Initial |
| 5561876 | xx | xx | Subject Property Type | PUD | Single Family |  |  |  | Initial |
| 55563140 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx%. | Initial |
| 55563140 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 55563140 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Housing Ratio per U/W (Initial Rate) is xx.xxx%. | Initial |
| 55563140 | xx | xx | Interest Paid Through Date | x/x/xxxx | x/xx/xxxx | -xxx (Days) |  | Interest Paid Through Date is x/x/xxxx. | Initial |
| 35172666 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| 35172666 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Tape shows Borrower DTI ratio xx.xxx%. xxxx Shows xx.xxx%. | Initial |
| 35172666 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 35172666 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 35172666 | xx | xx | Property City | xx | xx |  |  | Tape shows property city as xx and Note shows xx. | Initial |
| 45744551 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of loan is xx. | Initial |
| 45744551 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | DTI ratio percent is xx.xxx%. | Initial |
| 45744551 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 45744551 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Housing ratio is xx.xxx%. | Initial |
| 45744551 | xx | xx | Property City | xx | xx |  |  | Tape shows the city name as xx, but Note shows city name as xx. | Initial |
| 78133777 | xx | xx | Age of Loan | x | xx | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| 78133777 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Tape shows Borrower DTI Ratio as xx.xxx%.xxxx shows xx.xxx%. | Initial |
| 78133777 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 78133777 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Tape shows Housing Ratio as xx.xxx%.xxxx shows xx.xxx%. | Initial |
| 78133777 | xx | xx | Property Address Street | xx | xx |  |  | Tape shows Property Address Street as xx.Note shows xx. | Initial |
| 78133777 | xx | xx | Property City | xx | xx |  |  | Tape shows Property city as xx.Note shows xx. | Initial |
| 17473777 | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Age of loan x | Initial |
| 17473777 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | BWR DTI Ratio percent xx.xxx% | Initial |
| 17473777 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 17473777 | xx | xx | Interest Paid Through Date | x/xx/xxxx | x/x/xxxx | -x (Days) |  | Interest paid through date x/xx/xxxx | Initial |
| 17473777 | xx | xx | Original Appraised Value | xx | xx | xx | x.xxxxx% | Original appraised value xx | Initial |
| 17473777 | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  | Original Note Doc Date xx | Initial |
| 5626036 | xx | xx | Borrower DTI Ratio Percent | Unavailable | xx.xxx% |  |  |  | Initial |
| 99146666 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Tape shows age of loan is xx. Loan file shows age of loan is xx. | Initial |
| 99146666 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Tape shows revised DTI is xx%. As per xxxx and AUS DTI is xx.xxx%. | Initial |
| 99146666 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 99146666 | xx | xx | Deferred Balance Amount | Not Applicable | $xxxx.xx |  |  | N/A. | Initial |
| 99146666 | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  | Tape shows note date as xx. Note date is xx. | Initial |
| 80725161 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI ratio percent is xx.xxx% | Initial |
| 80725161 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx | Initial |
| 80725161 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx | Initial |
| 35796962 | xx | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 35796962 | xx | xx | Subject Property Type | PUD | Single Family |  |  |  | Initial |
| 1780886 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 1780886 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% |  | Initial |
| 1780886 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% |  | Initial |
| 24890001 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% |  | Initial |
| 69386987 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 69386987 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 69386987 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | xx | Initial |
| 69386987 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | xx | Initial |
| 4697028 | xx | xx | Amortization Term Months (CE, S&P) | xxx | xxx | -xxx | -xx.xxxxx% |  | Initial |
| 4697028 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy is yes | Initial |
| 4697028 | xx | xx | Current Value | Unavailable | xx |  |  | Current value is not applicable | Initial |
| 4697028 | xx | xx | Deferred Balance Amount | Not Applicable | $xxx.xx |  |  | Deferred Balance amount is not applicable | Initial |
| 4697028 | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Did a modification change note terms? is yes | Initial |
| 4697028 | xx | xx | First Payment Date | xx | xx | -xxxx (Days) |  | First payment date is unavailable | Initial |
| 4697028 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xxx | -xx.xxxxx% | Loan original maturity term months is unavailable | Initial |
| 4697028 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | CCCCCCCCCCCCCCxCCCCCCCCC |  |  | xxxxxxxxxxxxxxxxxxxxxxxx | Initial |
| 25581053 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 25581053 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | N/A. | Initial |
| 25581053 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  | Does Lender G/L Require MI? is Yes | Initial |
| 25581053 | xx | xx | Mod Step Indicator | Not Applicable | No |  |  |  | Initial |
| 25581053 | xx | xx | Original Appraised Value | xx | xx | xx | x.xxxxx% | Original Appraised Value is xx | Initial |
| 25581053 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Original Stated Rate is x.xxxxxx% | Initial |
| 25581053 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | CCCCCCCCCCCCCCCCCCCCCCCC |  |  |  | Initial |
| 1012605 | xx | xx | Current Value | Unavailable | xx |  |  | NA. | Initial |
| 1012605 | xx | xx | Deferred Balance Amount | Not Applicable | $xxx.xx |  |  | NA. | Initial |
| 1012605 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 1012605 | xx | xx | Loan Documentation Type | Unavailable | Full Documentation |  |  | NA. | Initial |
| 1012605 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Original rate is x.xxxx%. | Initial |
| 1012605 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | xxxxxxxCCCxxCCCCCCxxxxxC |  |  | NA. | Initial |
| 16690809 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 16690809 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 16690809 | xx | xx | Mod Step Indicator | Not Applicable | No |  |  |  | Initial |
| 16690809 | xx | xx | Original Appraised Value | xx | xx | xx | x.xxxxx% | Appraised value is xx. | Initial |
| 16690809 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Original rate is x.xxx%. | Initial |
| 16690809 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | CCCCCCCCCCCCCCCCCCCCCCCC |  |  |  | Initial |
| 93291882 | xx | xx | Amortization Term Months (CE, S&P) | xxx | xxx | xx | xx.xxxxx% | Amortization term months is xxx. | Initial |
| 93291882 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy is yes. | Initial |
| 93291882 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 93291882 | xx | xx | First Payment Date | xx | xx | -xxxx (Days) |  | First payment date is xx. | Initial |
| 93291882 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | xx | xx.xxxxx% | Loan original maturity term months is xxx. | Initial |
| 93291882 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod step indicator is U/A. | Initial |
| 93291882 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV is xx. | Initial |
| 93291882 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original standard LTV is xx. | Initial |
| 93291882 | xx | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | Purpose of refinance per HUD-x is Cash Out-Other. | Initial |
| 93291882 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Purpose of Transaction per HUD-x is Cash Out. | Initial |
| 39758476 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI Ratio percent is xx.xxx% | Initial |
| 39758476 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 39758476 | xx | xx | Mod Step Indicator | Not Applicable | No |  |  | N/A | Initial |
| 39758476 | xx | xx | Original Appraised Value | xx | xx | xx | x.xxxxx% | Original appraised value is xx | Initial |
| 39758476 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Original stated rate is x.xxxxx% | Initial |
| 39758476 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | CCCCCCCCCCCCCCCCCCCCCCCC |  |  | xxxxxxxxxxxxxxxxxxxxxxxx | Initial |
| 39758476 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD | Initial |
| 42432885 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 42432885 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable | Initial |
| 42432885 | xx | xx | Mod Step Indicator | Not Applicable | No |  |  |  | Initial |
| 42432885 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Original stated rate is x.xxxxx% | Initial |
| 42432885 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | CCCCCCCCCCCCCCCCCCCCCCCC |  |  | xxxxxxxxxxxxxxxxxxxxxxx | Initial |
| 9353482 | xx | xx | Balloon Indicator | Yes | No |  |  | Balloon indicator is yes | Initial |
| 9353482 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 9353482 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L Require MI? not applicable | Initial |
| 9353482 | xx | xx | Mod Step Indicator | Not Applicable | No |  |  | N/A. | Initial |
| 9353482 | xx | xx | Original CLTV Ratio Percent | Unavailable | xx |  |  | Original OLTV Ratio percent is unavailable | Initial |
| 9353482 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  |  | Initial |
| 9353482 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxxxxxxx | CCCCCCCCCCCCCCCCCCCCCCCC |  |  | Payment history string is xxxxxxxxxxxxxxxxxxxxxxxxxxx | Initial |
| 26302703 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | The borrower had filed bankruptcy under chapter xx with the case#xx on xx. However, the tape reflects No. | Initial |
| 26302703 | xx | xx | Current Bankruptcy Status | Lift Stay - Granted | Discharged |  |  | Current Bankruptcy Status is Lift Stay-Granted. However, the tape reflects discharged. | Initial |
| 26302703 | xx | xx | Current Occupancy | Occupied by Unknown Party | Owner (or Former): Primary Home |  |  | As per latest inspection report dated xx, the subject property is occupied by an unknown party. However, the tape reflects owner occupied. | Initial |
| 26302703 | xx | xx | Is REO Active? | Not Applicable | No |  |  | No post close foreclosure activity found. | Initial |
| 26302703 | xx | xx | Loan Documentation Type | Unavailable | Full Documentation |  |  | Loan Documentation Type. Data provided is Full Documentation while audit value is Reduced | Initial |
| 26302703 | xx | xx | Original Note Doc Date | xx | xx | x (Days) |  | Original Note date is xx. However, the tape reflects xx. | Initial |
| 26302703 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | Payment History String is xxxxxxxxxxxx. However, the tape reflects xxxxxxxxxxxx. | Initial |
| 26302703 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | Payment History String Reversed is xxxxxxxxxxxx. However, the tape reflects xxxxxxxxxxxx. | Initial |
| 26302703 | xx | xx | Property Address Street | xx | xx |  |  | No Discrepancy. | Initial |
| 26302703 | xx | xx | Stated Remaining Term | xxx | xxx | xx | xx.xxxxx% | Stated Remaining Term is xxx. However, the tape data reflects xxx. | Initial |
| 54794084 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 54794084 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 54794084 | xx | xx | Mod Step Indicator | Not Applicable | No |  |  |  | Initial |
| 54794084 | xx | xx | Original Appraised Value | xx | xx | xx | x.xxxxx% |  | Initial |
| 54794084 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% |  | Initial |
| 54794084 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% |  | Initial |
| 54794084 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% |  | Initial |
| 54794084 | xx | xx | Payment History String | xxxxxxxxxxxxxxxxxxx | NNNNNNNNCCCCCCCCCCCCCCCC |  |  |  | Initial |
| 54794084 | xx | xx | Subject Property Type | Manufactured Housing | Low Rise Condo (x-x Stories) |  |  |  | Initial |
| 29857387 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx%. | Initial |
| 29857387 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 29857387 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Housing Ratio per U/W (Initial Rate) is xx.xxx%. | Initial |
| 29857387 | xx | xx | Original Stated P&I | xx | xx | xx | -x.xxxxx% | Original Stated P&I is xx. | Initial |
| 29857387 | xx | xx | Payment History String | xxxxxxxxxxxxxx | xXxx |  |  |  | Initial |
| 85187951 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | age of loan xx | Initial |
| 85187951 | xx | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | BWR Middle name not applicable | Initial |
| 85187951 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | BWR DTI Ratio percent xx.xxx% | Initial |
| 85187951 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 85187951 | xx | xx | Interest Paid Through Date | x/x/xxxx | x/x/xxxx | -xxxx (Days) |  | Interest paid through date x/x/xxxx | Initial |
| 85187951 | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  | original note doc date xx | Initial |
| 52277699 | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Age of loan is x. | Initial |
| 52277699 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI ratio percent is xx.xxx%. | Initial |
| 52277699 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 52277699 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Housing ratio per U/W is xx.xxx%. | Initial |
| 52277699 | xx | xx | Interest Paid Through Date | x/x/xxxx | x/xx/xxxx | x (Days) |  | Interest paid through date is x/x/xxxx. | Initial |
| 26838097 | xx | xx | Age of Loan | x | xx | -x | -xx.xxxxx% | Tape shows Age of Loan is xx but audit value given as x. | Initial |
| 26838097 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Tape shows borrower DTI ratio percent data provided is xx% but audit value given as xx.xxx%. | Initial |
| 26838097 | xx | xx | Current Value | Not Applicable | xx |  |  | Tape shows Current value xx but audit value is not applicable. | Initial |
| 26838097 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Tape shows Housing ratio given as xx.xxx% but audit value given as xx.xxx%. | Initial |
| 26838097 | xx | xx | Interest Paid Through Date | Not Applicable | x/xx/xxxx |  |  | Tape shows Interest paid through date is x/xx/xxxx but audit value given as Not Applicable. | Initial |
| 7541565 | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Age of loan is x. | Initial |
| 7541565 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 7541565 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Note date is xx. | Initial |
| 56723176 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx% | Initial |
| 56723176 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 56723176 | xx | xx | Original Stated P&I | xx | xx | xx | -x.xxxxx% | Original P&I is xx. | Initial |
| 54734472 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 54734472 | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx | xx | xx.xxxxx% | Sales price per(HUD-x lINE xxx) is xx | Initial |
| 83210901 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | BWR DTI Ratio percent xx.xxx%. | Initial |
| 83210901 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is not applicable. | Initial |
| 44649245 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 44649245 | xx | xx | Original Stated P&I | xx | xx | xx | -x.xxxxx% | Original Stated P&I is xx. | Initial |
| 86608840 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 86608840 | xx | xx | MI Company | xx | xx |  |  | MI company name is xx. | Initial |
| 86608840 | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  | Appraisal date is xx. | Initial |
| 86608840 | xx | xx | Subject Property Detached/Attached | Detached | Attached |  |  | Subject property detached. | Initial |
| 35356732 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | BWR DTI xx.xxx%. | Initial |
| 13299397 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI ratio percent is xx.xxx%. | Initial |
| 13299397 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 81398347 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Borrower DTI Ratio percent is xx.xxx% | Initial |
| 81398347 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 81398347 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | Original OLTV Ratio percent is xx | Initial |
| 81398347 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Original standard LTV is xx. | Initial |
| 25922588 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A | Initial |
| 25922588 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | CLTV reflects xx. | Initial |
| 25922588 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | LTV reflects xx. | Initial |
| 3067936 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | DTI reflects xx.xxx%. | Initial |
| 3067936 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A | Initial |
| 3067936 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -xx.xxxxx% | CLTV reflects xx. | Initial |
| 3067936 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Note date reflects xx. | Initial |
| 3067936 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -xx.xxxxx% | LTV reflects xx. | Initial |
| 16507049 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan is x. | Initial |
| 16507049 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 16507049 | xx | xx | Payment History String | xxxxxx | xxxx |  |  | Payment history string is not applicable. | Initial |
| 94677536 | xx | xx | Age of Loan | xx | xx | -x | -x.xxxxx% | Age of Loan is xx. | Initial |
| 94677536 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 94677536 | xx | xx | Subject Property Type | High Rise Condo (>=x Stories) | Low Rise Condo (x-x Stories) |  |  | Subject Property Type is High Rise Condo (>=x Stories) | Initial |
| 91698333 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | BWR DTI Ratio percent xx.xxx% | Initial |
| 91698333 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 85348121 | xx | xx | Age of Loan | x | x | -x | -xxx.xxxxx% | Age of Loan is x. | Initial |
| 85348121 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | x.xxx% | x.xxxxx% | Borrower DTI Ratio Percent is xx.xxx%. | Initial |
| 85348121 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 85348121 | xx | xx | Original Appraised Value | xx | xx | xx | x.xxxxx% | Original Appraised Value is xx | Initial |
| 85348121 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | Original CLTV Ratio Percent is xx. | Initial |
| 85348121 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date is xx. | Initial |
| 85348121 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Original Standard LTV (OLTV) is xx. | Initial |
| 36207640 | xx | xx | Age of Loan | x | x | -x | -xx.xxxxx% | Age of loan x | Initial |
| 36207640 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 36207640 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV Ratio percent xx | Initial |
| 36207640 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original Standard LTV xx | Initial |
| 76689844 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 76689844 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx.xxxxx% |  | Initial |
| 4917545 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 4917545 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | As per loan document. | Initial |
| 4917545 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | As per loan document. | Initial |
| 4917545 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | As per loan document. | Initial |
| 91778036 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | BWR DTI ratio xx.xxx%. | Initial |
| 91778036 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Housing ratio xx.xxx%. | Initial |
| 91778036 | xx | xx | Original Appraised Value | xx | xx | xx | -xx.xxxxx% | Original appraised value xx. | Initial |
| 91778036 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | x.xxxxx% | Original balnace xx. | Initial |
| 91778036 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original LTV xx. | Initial |
| 91778036 | xx | xx | Property Address Street | xx | xx |  |  | Address is xx. | Initial |
| 72518594 | xx | xx | Current Bankruptcy Status | Plan Confirmed (Ch. xx, xx) | Proof of Claim - Filed |  |  | As per the pacer report, the current bankruptcy status is plan confirmed (ch xx.xx), however, tape reflects proof of claim filed. | Initial |
| 72518594 | xx | xx | Original Appraised Value | xx | xx | xx | xx.xxxxx% | Appraisal is missing in the loan file. | Initial |
| 72518594 | xx | xx | Original Note Doc Date | xx | xx | -xx (Days) |  | As per the note, the original note doc date is xx, however, tape reflects xx | Initial |
| 72518594 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | As per the latest payment history, the string is xxxxxxxxxxxx, however tape reflects xxxxxxxxxxxx | Initial |
| 72518594 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | As per the latest payment history, the string reversed is xxxxxxxxxxxx, however tape reflects xxxxxxxxxxxx | Initial |
| 72518594 | xx | xx | Property Address Street | xx | xx |  |  | As per the note, the property address street is xx, however tape reflects xx | Initial |
| 72518594 | xx | xx | Stated Remaining Term | xxx | xxx | xx | x.xxxxx% | As per the note, the stated remaining term is xxx, however, tape reflects xxx | Initial |
| 72779778 | xx | xx | ARM Index Margin Percent | Not Applicable | x.xxx% |  |  | As per note, the note is HELOC in the ARM index margin percent is not applicable. However the tape data shows it as x.xxx%. | Initial |
| 72779778 | xx | xx | ARM Index Type | Not Applicable | Prime - WSJ |  |  | As per note, the note is HELOC in the ARM Index type is not applicable. However the tapr data shows it as Prime-WSJ. | Initial |
| 72779778 | xx | xx | First Pay Change Date | Not Applicable | x/x/xxxx |  |  | As per note, the note is HELOC in the first pay change date is not applicable. However the tape data shows it as x/x/xxxx. | Initial |
| 72779778 | xx | xx | First Rate Change Date | Not Applicable | x/x/xxxx |  |  | As per note, the note is HELOC in the first rate change date is not applicable. However the tape data shows it as x/x/xxxx. | Initial |
| 72779778 | xx | xx | Last Payment Received Date | xx/xx/xxxx | xx/xx/xxxx | xxxx (Days) |  | As per payment history, the last payment received date is xx/xx/xxxx. However the tape data shows it as xx/xx/xxxx. | Initial |
| 72779778 | xx | xx | Loan Amortization Type | Revolving | ARM |  |  | As per note, the note is HELOC in the loan amortization type is revolving. However the tape data shows it as ARM. | Initial |
| 72779778 | xx | xx | Max Rate At First Adjustment | Not Applicable | xx.xxx% |  |  | As per note, the note is HELOC in the max rate at first adjustment is not applicable. However the tape data shows it as xx.xxx%. | Initial |
| 72779778 | xx | xx | Min Rate At First Adjustment | Not Applicable | x.xxx% |  |  | As per note, the note is HELOC in the min rate at first adjustment is not applicable. However the tape data shows it as x.xxx%. | Initial |
| 72779778 | xx | xx | Next Pay Change Date | Not Applicable | x/x/xxxx |  |  | As per note, the note is HELOC in the next pay chnage date is not applicable. However the tape data shows it as x/x/xxxx. | Initial |
| 72779778 | xx | xx | Next Rate Change Date | Not Applicable | xx/xx/xxxx |  |  | As per note, the note is HELOC in the next rate change date is not applicable. However the tape data shows it as xx/xx/xxxx. | Initial |
| 72779778 | xx | xx | Original Stated P&I | Unavailable | xx |  |  | As per note, the note is HELOC in the original stated P&I is unavailable. However the tape data showa it as xx. | Initial |
| 72779778 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | As per note, the note is HELOC in the original stated rate is x.xxxxx%. Howver the tape data shows it as x.xxxxx%. | Initial |
| 72779778 | xx | xx | Pay Change Frequency | Not Applicable | x Month |  |  | As per note, the note is HELOC in the pay change frequency is not applicable. However the tape data shows it as x month. | Initial |
| 72779778 | xx | xx | Property Address Street | xx | xx |  |  | As per note, the note is HELOC in the property address street is xx. However the tape data shows it as xx. | Initial |
| 72779778 | xx | xx | Subsequent Rate Adjustment Frequency | Not Applicable | x Month |  |  | As per note, the note is HELOC in the subsequent rate adjustment momths is not applicable. However the tape data shows it as x month. | Initial |
| 67865935 | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | The loan has modified; however tape data reflects it is no. | Initial |
| 67865935 | xx | xx | First Payment Date | xx | xx | -x (Days) |  | As per Note, first payment date is xx; however tape data reflects x. | Initial |
| 67865935 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | x | x.xxxxx% | As per Modification agreement modification stated maturity terms months is xxx, however tape data reflects xxx. | Initial |
| 67865935 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | As per Note, original stated P&I is xx ;however tape data it is xx. | Initial |
| 67865935 | xx | xx | Original Stated Rate | xx.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | As per note original stated rate is xx.xxxxx%; however tape data reflates x.xxxxx% | Initial |
| 67865935 | xx | xx | Payment History String | xxxxxxxxxxxx | xxXXXXXXXXXX |  |  | As per payment history, the string is xxxxxxxxxx; however tape data reflect it is xxXXXXXXXX. | Initial |
| 67865935 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | XXXXXXXXXXxx |  |  | As per payment history, the reversed string is xxxxxxxxxxx; however tape data reflect it is XXXXXXXxx. | Initial |
| 67865935 | xx | xx | Stated Maturity Date | xx | xx | xxx (Days) |  | As per Modification agreement modification stated maturity date is xx, however tape data reflects xx. | Initial |
| 53163814 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Note reflects BWRx middle name as xx. | Initial |
| 92671254 | xx | xx | Deferred Balance Amount | $xxxx.xx | $xxxx.xx | $xxx.xx | xx.xxxxx% | As per the modification agreement, the deferred balance amount is $x,xxx.xx, however tape reflects $x,xxx.xx | Initial |
| 92671254 | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Modification agreement was found in the loan files. | Initial |
| 92671254 | xx | xx | Loan Documentation Type | Unavailable | Reduced |  |  |  | Initial |
| 92671254 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xxx | -xx.xxxxx% | As per the note, the loan original maturity term months is xxx, however tape reflects xxx. | Initial |
| 92671254 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | As per the note, the original stated P&I is xx, however tape reflects xx. | Initial |
| 92671254 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | As per the note, the original stated rate is x.xx%, however tape reflects x.xx% | Initial |
| 92671254 | xx | xx | Payment History String | xxxxxxxxxxxx | xxXXXXXXXXXX |  |  | As per the latest payment history, the payment string is xxxxxxxxxxxx, however tape reflects xxXXXXXXXXXXXX | Initial |
| 92671254 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | XXXXXXXXXXxx |  |  | As per the latest payment history, the payment string reversed is xxxxxxxxxxx, however tape reflects XXXXXXXXXXXXxx. | Initial |
| 92671254 | xx | xx | Stated Maturity Date | xx | xx | -xxxx (Days) |  | As per the modification, the stated maturity date is xx. | Initial |
| 51177572 | xx | xx | Age of Loan | xx | xx | xx | xx.xxxxx% | The age of the loan is xx however, the tape is reflecting it as xx. | Initial |
| 51177572 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | As per note the borrower middle name is xx; however ,the tape is reflecting it as xx. | Initial |
| 51177572 | xx | xx | Deferred Balance Amount | Not Applicable | $xxxxx.xx |  |  | No discrepancy. | Initial |
| 51177572 | xx | xx | Did a Modification Change Note Terms? | No | Yes |  |  | As the | Initial |
| 51177572 | xx | xx | Mod Maturity Date | Not Applicable | xx |  |  | As per the review of payment history, the borrower is making payment as per note so the mod is not applicable ;however, the tape is reflecting it as xx. | Initial |
| 51177572 | xx | xx | Mod Step Indicator | Not Applicable | No |  |  | The modification is not applicable. | Initial |
| 51177572 | xx | xx | Modification First Payment Date | Not Applicable | x/x/xxxx |  |  | The modification is not applicable. However, tape reflects modification first payment date is x/x/xxxx. | Initial |
| 51177572 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the review of payment history, the string is xxxxxxxxxxx; however, the tape is reflecting it as xxxxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 51177572 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the review of payment history, the reverse string is xxxxxxxxxxxx; however, the tape is reflecting it as xxxxxxxxxxxxxxxxxxxx. | Initial |
| 51177572 | xx | xx | Principal Balance Stated in Mod | Not Applicable | $xxxxxx.xx |  |  | No discrepancy. | Initial |
| 51177572 | xx | xx | Stated Remaining Term | xxx | xxx | -xx | -x.xxxxx% | As per note the stated remaining terms are xxx; however, the tap is reflecting it as xxx. | Initial |
| 51177572 | xx | xx | Total Term Including Mod. Extensions | xxx | xxx | -x | -x.xxxxx% | As per note the total terms are xxx however, the tape is reflecting it as xxx. | Initial |
| 12326112 | xx | xx | Deferred Balance Amount | Not Applicable | $xxxx.xx |  |  | No discrepancy. | Initial |
| 12326112 | xx | xx | Deferred Principal (Modification) per Payment History | $x.xx | $xxxx.xx | $-xxxx.xx | -xxx.xxxxx% | No Discrepancies. | Initial |
| 12326112 | xx | xx | First Payment Date | xx | xx | xx (Days) |  | As per note first payment date is xx therefore tape data show xx. | Initial |
| 12326112 | xx | xx | Last Payment Received Date | x/x/xxxx | x/x/xxxx | xxxx (Days) |  |  | Initial |
| 12326112 | xx | xx | Loan Documentation Type | Unavailable | Reduced |  |  |  | Initial |
| 12326112 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | xx | x.xxxxx% | As per note maturity term is xxx therefore tape data show xxx. | Initial |
| 12326112 | xx | xx | Original Stated P&I | xx | xx | xx | xxx.xxxxx% | As per note original P&I is xx therefore tape data show xx | Initial |
| 12326112 | xx | xx | Original Stated Rate | xx.xxxxx% | x.xxxxx% | xx.xxxxx% | xx.xxxxx% | As per payment history original stated rate is xx.xxxxx% therefore tape data show x.xxxxx%. | Initial |
| 12326112 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxXXXXXXXX |  |  | As per payment history payment string is xxxxxxxxxxxx therefore tape data show xxxxxxxxxx. | Initial |
| 12326112 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | XXXXXXXxxxxx |  |  | As per payment history payment string is xxxxxxxxxxxx therefore tape data show xxxxxxxxxxxx. | Initial |
| 12326112 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | As per HUD-x purpose of transaction is refinance therefore tape data show Cash out. | Initial |
| 12326112 | xx | xx | Stated Maturity Date | xx | xx | xxx (Days) |  | As per note maturity date is xx therefore tape data show xx. | Initial |
| 12326112 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxx.xx | $xxxxx.xx | $-xxxx.xx | -xx.xxxxx% | As per payment history total debt in the amount of $xxxxx.xx therefore tape data show $xxxxx.xx. | Initial |
| 89322896 | xx | xx | Last Payment Received Date | xx/xx/xxxx | x/xx/xxxx | xxxx (Days) |  |  | Initial |
| 45083530 | xx | xx | Escrow Advance Balance per Payment History | $x.xx | $xxxxx.xx | $-xxxxx.xx | -xxx.xxxxx% | As per the latest payment history the escrow advance balance per PH is $x.xx however, tape reflects as $xx,xxx.xx. | Initial |
| 45083530 | xx | xx | Escrow Balance per Payment History | $-xxxxx.xx | $-xxxxx.xx | $-xxx.xx | x.xxxxx% | As per the latest payment history the escrow balance per PH is ($xx,xxx.xx) however, tape reflects as ($xx,xxx.xx) . | Initial |
| 45083530 | xx | xx | Last Payment Received Date | x/xx/xxxx | x/xx/xxxx | xx (Days) |  | As per the latest payment history the last payment received date is x/xx/xxxx however , tape reflects as x/xx/xxxx . | Initial |
| 45083530 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | As per the original note the original stated P&I is xx however, tape reflects as xx. | Initial |
| 45083530 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | As per the original note the original stated rate is x.xxxx% however, tape reflects as x.xxx% . | Initial |
| 45083530 | xx | xx | Property Address Street | xx | xx |  |  | No discrepancy | Initial |
| 45083530 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxx.xx | -x.xxxxx% | As per the latest payment history the unpaid current principal balance is $xxx,xxx.xx however, the tape reflects as $xxx,xxx.xx . | Initial |
| 95340432 | xx | xx | Last Payment Received Date | x/x/xxxx | x/xx/xxxx | xxxx (Days) |  |  | Initial |
| 95340432 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | xx.xxxxx% | AS per original Note balance is xx; however data provided is xxx | Initial |
| 95340432 | xx | xx | Original Stated P&I | xx | xx | xx | xxx.xxxxx% | AS per original Note P&I is xx; however data provided is xx. | Initial |
| 95340432 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | AS per original Note stated rate is x.xxx%; however data provided is x.xxx%. | Initial |
| 95340432 | xx | xx | Property Address Street | xx | xx |  |  | AS per original Note Property address is xx; however data provided is xx. | Initial |
| 54689217 | xx | xx | Escrow Balance per Payment History | $x.xx | $-xxxx.xx | $xxxx.xx | -xxx.xxxxx% | Escrow balance per payment history is $x.xx. However, Tape data shows ($xxxx.xx). | Initial |
| 54689217 | xx | xx | Last Payment Received Date | xx/xx/xxxx | x/xx/xxxx | xxxx (Days) |  |  | Initial |
| 54689217 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | original stated P&I is xx. However, Tape data shows xx. | Initial |
| 54689217 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Original stated rate is x.xxxx%. However, Tape data shows x.xxxx%. | Initial |
| 54689217 | xx | xx | Property Address Street | xx | xx |  |  | No discrepancies. | Initial |
| 4069043 | xx | xx | Escrow Advance Balance per Payment History | $xxxxx.xx | $xxxxx.xx | $xxx.xx | x.xxxxx% | Updated as per payment history. | Initial |
| 4069043 | xx | xx | First Pay Change Date | Not Applicable | x/x/xxxx |  |  | As per the Note, loan type is HELOC, so first pay change date is not applicable. However, tape data reflects it as xx/xx/xxxx. | Initial |
| 4069043 | xx | xx | Loan Amortization Type | Revolving | ARM |  |  | As per the Note, amortization type is Revolving. However, tape data reflects it as ARM. | Initial |
| 4069043 | xx | xx | Original Stated P&I | Unavailable | xx |  |  | In the Note, stated P&I is not available. However, tape data reflects it as xx. | Initial |
| 4069043 | xx | xx | Subsequent Rate Adjustment Frequency | Not Applicable | x Month |  |  | As per the Note, loan type is HELOC so subsequent rate adjustment months not applicable. However, tape data reflects it as x month. | Initial |
| 92922593 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | As per Mod , Doc date of last modification is xx however, tape reflects xx. | Initial |
| 92922593 | xx | xx | Interest Only Period? | Yes | No |  |  | As per Note, Interest only period is Yes. However, tape reflects No. | Initial |
| 92922593 | xx | xx | Loan Amortization Type | Step | Fixed |  |  | As per Mod, Loan amortization type is Step however, tape reflects Fixed. | Initial |
| 92922593 | xx | xx | MERS MIN Number | xx | xx |  |  |  | Initial |
| 92922593 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx.xxxxx% | As per Appraisal, CLTV ratio is xx however, tape reflects xx. | Initial |
| 92922593 | xx | xx | Original Note Doc Date | xx | xx | -xx (Days) |  | As per Note, Note doc date is xx however, tape reflects xx. | Initial |
| 92922593 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per Payment history, string is xxxxxxxxxxxx however, tape reflects xxxxxxxxxxxxxxxxxxxxxxx.. | Initial |
| 92922593 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per Payment history, string reversed is xxxxxxxxxxxx however, tape reflects xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 92922593 | xx | xx | Property Address Street | xx | xx |  |  | As pr Note, Property address, xx however, tape reflects xx. | Initial |
| 44093405 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | There is foreclosure activity in the loan file. | Initial |
| 44093405 | xx | xx | Deferred Balance Amount | Not Applicable | $xxxxxx.xx |  |  | As per modification agreement, deferred principal balance is not available. However, tape reflects as $xxx,xxx.xx. | Initial |
| 44093405 | xx | xx | Doc Date of Last Modification | xx | xx | -xxxx (Days) |  | As per modification agreement,modification date is xx. However, tape reflects as xx. | Initial |
| 44093405 | xx | xx | Loan Amortization Type | Step | Fixed |  |  | As per modification agreement, the amortization type is step. however, tape reflects as fixed. | Initial |
| 44093405 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per note, doc date is xx. However, tape reflects as xx. | Initial |
| 44093405 | xx | xx | Payment History String | xxxxxxxxxxxx | -xxxxxxxxxxxxxxxxx |  |  | As per the latest payment history, the string is xxxxxxxxxxxx. However, tape reflects as xxxxxxxxxxxx. | Initial |
| 44093405 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxx |  |  | As per the latest payment history, the string reversed is xxxxxxxxxxxx. However, tape reflects as xxxxxxxxxxxx. | Initial |
| 44093405 | xx | xx | Property Address Street | xx | xx |  |  | No Discrepancy. | Initial |
| 26215056 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | The bankruptcy was filed in xx. | Initial |
| 26215056 | xx | xx | Bankruptcy Filing Date | xx | xx | xxxx (Days) |  | The bankruptcy was filed on xx. | Initial |
| 26215056 | xx | xx | Current Bankruptcy Chapter | Chapter xx | Chapter x |  |  | The bankruptcy was filed under chapter xx. | Initial |
| 26215056 | xx | xx | Current Bankruptcy Status | Dismissed | Discharged |  |  | The current bk status is dismissed. | Initial |
| 26215056 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | The loan was modified on xx. | Initial |
| 26215056 | xx | xx | MERS MIN Number | xx | xx |  |  | No MERS / MIN docs in file | Initial |
| 26215056 | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  | The original doc date is xx. | Initial |
| 26215056 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | payment history string is xxxxxxxxxxx. | Initial |
| 26215056 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | payment history string reversed is xxxxxxxxxxx. | Initial |
| 31547465 | xx | xx | Mod Maturity Date | Not Applicable | xx |  |  | The loan has never been modified since origination, as per tape mod maturity is xx. | Initial |
| 31547465 | xx | xx | Original Note Doc Date | xx | xx | x (Days) |  | As per note, the original Note doc date is xx. Tape reflects xx. | Initial |
| 31547465 | xx | xx | Payment History String | xxxxxxxxxxxx | -xxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the payment history, the string is xxxxxxxxxxxx. | Initial |
| 31547465 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the payment history, the string reversed is xxxxxxxxxxxx. | Initial |
| 31547465 | xx | xx | Property Address Street | xx | xx |  |  | No discrepancy. | Initial |
| 31547465 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Purchase |  |  | HUD-x is missing from the loan file. As per updated title, the purpose of transaction is refinance. Tape reflects Purchase. | Initial |
| 31547465 | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Application is missing from the loan file. As per updated title, the purpose of transaction is refinance. Tape reflects Purchase. | Initial |
| 8331179 | xx | xx | Balloon Indicator | No | Yes |  |  | As per note dated xx, there is no balloon provision. Tape reflects as No. | Initial |
| 8331179 | xx | xx | MERS MIN Number | xx | xx |  |  |  | Initial |
| 8331179 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | As appraisal report, the CLTV is xx. Tape reflects xx. | Initial |
| 8331179 | xx | xx | Original Note Doc Date | xx | xx | x (Days) |  | As per note, the original Note doc date is xx. Tape reflects xx. | Initial |
| 8331179 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | As appraisal report, the LTV is xx. Tape reflects xx. | Initial |
| 8331179 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the payment history, the string is xxxxxxxxxxxx. | Initial |
| 8331179 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the payment history, the string reversed is xxxxxxxxxxxx. | Initial |
| 8331179 | xx | xx | Property Address Street | xx | xx |  |  | No discrepancy, | Initial |
| 8331179 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | As per Hud-x, the purpose of transaction is cashout. Tape reflects refinance. | Initial |
| 89764214 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | As per the loan modification document the date of last modification on xx. However, tape data reflects that it is on xx. | Initial |
| 89764214 | xx | xx | MERS MIN Number | xx | xx |  |  | As per Mortgage document the MERS MIN number is xx. However , tape data reflects that MERS MIN number is xx. | Initial |
| 89764214 | xx | xx | Modification Original P&I | $xxx.xx | $xxx.xx | $-xx.xx | -x.xxxxx% | As per the loan modification document original P& I is $xxx.xx. However, tape data reflects that $xxx.xx. | Initial |
| 89764214 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | An Appraisal report on xx, the Original CLTV ratio percent is xx. However, tape data reflects that it is xx. | Initial |
| 89764214 | xx | xx | Original Note Doc Date | xx | xx | x (Days) |  | As per Note document the note date was given xx. However, tape data reflects that it is xx. | Initial |
| 89764214 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | An Appraisal report on xx, the Original standard LTV is xx. However, tape data reflects that it is xx. | Initial |
| 89764214 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the payment history string xxxxxxxxxxxxx. However tape data reflects xxxxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 89764214 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the payment history string reversed xxxxxxxxxxxxx. However tape data reflects xxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 36019736 | xx | xx | Balloon Indicator | No | Yes |  |  | Incorrect Tape data regarding modification. | Initial |
| 36019736 | xx | xx | Doc Date of Last Modification | xx | xx | -x (Days) |  | Incorrect Tape data regarding modification. | Initial |
| 36019736 | xx | xx | First Payment Date | xx | xx | xx (Days) |  | First payment date is xx however tape data shows xx | Initial |
| 36019736 | xx | xx | Loan Amortization Type | Step | Fixed |  |  | MOD made with step interest rate however tape data shows fixed. | Initial |
| 36019736 | xx | xx | MERS MIN Number | xx | xx |  |  |  | Initial |
| 36019736 | xx | xx | Mod Step 1 Date | x/x/xxxx | xx/x/xxxx | -xxxx (Days) |  | Incorrect Tape data regarding modification. | Initial |
| 36019736 | xx | xx | Mod Step 1 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | Incorrect Tape data regarding modification. | Initial |
| 36019736 | xx | xx | Modification Original P&I | $xxxx.xx | $xxxx.xx | $-xxx.xx | -xx.xxxxx% | Incorrect Tape data regarding modification. | Initial |
| 36019736 | xx | xx | Modification Original Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | Incorrect Tape data regarding modification. | Initial |
| 36019736 | xx | xx | Number of Mod Rate Steps | x | x | x | xxx.xxxxx% | Incorrect Tape data regarding modification. | Initial |
| 36019736 | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  | Original note date is xx however tape data shows xx | Initial |
| 36019736 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history string is xxxxxxxxxxxx however tape data show xxxxxxxxxxxxxxxxx | Initial |
| 36019736 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history string is xxxxxxxxxxxx however tape data shows xxxxxxxxxxxxxxxxx | Initial |
| 36019736 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Purchase |  |  | Transaction was a clear refinance. | Initial |
| 36019736 | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Purpose of application is Refinance however tape data shows Purchase. | Initial |
| 69123464 | xx | xx | Doc Date of Last Modification | xx | xx | -xxx (Days) |  | Per Mod docs. Loan approval backdate effective mod date. | Initial |
| 69123464 | xx | xx | Loan Documentation Type | Full Documentation | No Verification of Stated Income |  |  | Per loan DU/loan approval. | Initial |
| 69123464 | xx | xx | MERS MIN Number | xx | xx |  |  |  | Initial |
| 69123464 | xx | xx | Modification Original P&I | $xxx.xx | $xxx.xx | $-xx.xx | -xx.xxxxx% | Note P&I payment isi $xxx.xx, Mod P&I is $xxx.xx | Initial |
| 69123464 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | Per appraisal. | Initial |
| 69123464 | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  | Per Note. | Initial |
| 69123464 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Per appraisal. | Initial |
| 69123464 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Per pay history | Initial |
| 69123464 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Per pay history | Initial |
| 69123464 | xx | xx | Purpose of Refinance Per Application | Cash Out - Other | Lower rate or term |  |  | Per application and loan approval/DU. | Initial |
| 69123464 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  |  | Initial |
| 49271970 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | Doc Date of Last Modification is xx however tape data shows xx. | Initial |
| 49271970 | xx | xx | Mod Step 1 Date | Not Applicable | x/x/xxxx |  |  |  | Initial |
| 49271970 | xx | xx | Mod Step 1 Rate | Not Applicable | x.xxx% |  |  |  | Initial |
| 49271970 | xx | xx | Modification Original P&I | $xxx.xx | $xxx.xx | $xxx.xx | xx.xxxxx% | Modification Origianl P&I is $xxx.xx however tape data shows $xxx.xx. | Initial |
| 49271970 | xx | xx | Modification Original Rate | x.xxx% | x.xxx% | x.xxx% | x.xxxxx% | Modification Original Rate is x.xx% however tape data shows x.xxx%. | Initial |
| 49271970 | xx | xx | Number of Mod Rate Steps | Not Applicable | x |  |  |  | Initial |
| 49271970 | xx | xx | Original Note Doc Date | xx | xx | x (Days) |  | Original Note Doc Date is xx however tape data shows xx. | Initial |
| 49271970 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String is xxxxxxxxxxxx however tape data shows xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 49271970 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String Reversed is xxxxxxxxxxxx however tape data shows xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 49271970 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx however tape data shows xx. | Initial |
| 49271970 | xx | xx | Purpose of Refinance Per Application | Debt consolidation | Cash Out - Other |  |  | Purpose of Refinance Per Application is Debt Consolidation however tape data shows Cash out other. | Initial |
| 31297207 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | Current in Foreclosure is Yes while tape shows No | Initial |
| 31297207 | xx | xx | Doc Date of Last Modification | xx | xx | xxxx (Days) |  | Taken from modification agreement which was made between the Lender xx and the borrower xx on xx | Initial |
| 31297207 | xx | xx | Mod Maturity Date | xx | xx | -xxxx (Days) |  | Modification Maturity date is N/A while tape is xx | Initial |
| 31297207 | xx | xx | Modification Original P&I | $xxx.xx | $xxxx.xx | $-xxx.xx | -xx.xxxxx% | Taken from modification agreement which was made between the Lender xx and the borrower xx on xx | Initial |
| 31297207 | xx | xx | Modification Original Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | Taken from modification agreement which was made between the Lender xx and the borrower xx on xx | Initial |
| 31297207 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String is xxxxxxxxxxxx while tape shows xxxxxxxxxxxxxxxxxxx | Initial |
| 31297207 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String Reversed is xxxxxxxxxxxx while tape shows xxxxxxxxxxxxxxxxxxx | Initial |
| 31297207 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Purchase |  |  | As per final HUD-x purpose of transaction is cash-out however tape data shows purchase. | Initial |
| 31297207 | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Purpose per Application is Refinance while tape shows purchase | Initial |
| 14025972 | xx | xx | Borrower Last Name | xx | xx |  |  | As per note borrower last name is xx however tape data reflect as xx. | Initial |
| 14025972 | xx | xx | MERS MIN Number | xx | xx |  |  |  | Initial |
| 14025972 | xx | xx | Mod Maturity Date | xx | xx | -xxxx (Days) |  | As per modification agreement mod maturity date is xx however tape data shows as xx | Initial |
| 14025972 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | As per appraisal repoort cltv is xx however tape data reflect as xx | Initial |
| 14025972 | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  |  | Initial |
| 14025972 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | As per appraisal repoort ltv is xx however tape data reflect as xx | Initial |
| 14025972 | xx | xx | Payment History String | xxxxxxxxxxxx | -xxxxxxxxxxxxx |  |  | As per payment history string xxxxxxxxxxxx however tape data reflect as - xxxxxxxxxxxxx | Initial |
| 14025972 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxx |  |  | As per payment history string reversed is xxxxxxxxxxxx however tape data reflect as xxxxxxxxxxxxxx | Initial |
| 75429008 | xx | xx | MERS MIN Number | xx | xx |  |  |  | Initial |
| 75429008 | xx | xx | Mod Maturity Date | Not Applicable | xx |  |  | Mod maturity date is not applicable. However, the tape data shows as xx. | Initial |
| 75429008 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | Original CLTV ratios Percent xx ; however, the tape data shows xx. | Initial |
| 75429008 | xx | xx | Original Note Doc Date | xx | xx | x (Days) |  | Original Note Doc Date xx ; however, the tape data shows xx. | Initial |
| 75429008 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Original Standard LTV (OLTV) is xx ; however, the tape data shows xx | Initial |
| 75429008 | xx | xx | Payment History String | xxxxxxxxxxxx | -xxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String is xxxxxxxxxxxx ; however, the tape data shows xxxxxxxxxxxxxxxxxxxxx. | Initial |
| 75429008 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String Reversed is xxxxxxxxxxxx ; however, the tape data shows xxxxxxxxxxxxxxxxxxxxx. | Initial |
| 96535494 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Borrower has filed bankruptcy | Initial |
| 96535494 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | File was in foreclosure and placed on hold when borrower filed bankruptcy | Initial |
| 96535494 | xx | xx | MERS MIN Number | xx | xx |  |  |  | Initial |
| 96535494 | xx | xx | Mod Maturity Date | xx | xx | -xxxx (Days) |  | There is an unexecuted modification agreement in the file that shows a new maturity date of xx | Initial |
| 96535494 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -xx.xxxxx% | The CLTV is showing a value of xx | Initial |
| 96535494 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Per the Note the date is xx | Initial |
| 96535494 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -xx.xxxxx% | The LTV is xx | Initial |
| 96535494 | xx | xx | Payment History String | xxxxxxxxxxxx | -xxxxxxxxxxxxxxxxxxxxxxx |  |  | The correct pay history string is xxxxxxxxxxxx | Initial |
| 96535494 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxx |  |  | The correct pay history string is xxxxxxxxxxxx | Initial |
| 11266987 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy Yes ; however, the tape data shows No. | Initial |
| 11266987 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | Currnetly in foreclosure is Yes ; however, the tape data shows No. | Initial |
| 11266987 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -xx.xxxxx% |  | Initial |
| 11266987 | xx | xx | Original Note Doc Date | xx | xx | -xx (Days) |  | Original Note doc date is xx; however, the tape data shows xx. | Initial |
| 11266987 | xx | xx | Payment History String | xxxxxxxxxxxx | -xxxxxxxxxxxxxxxxxxx |  |  | Payment History string is xxxxxxxxxxxxx ; however, the tape data shows - xxxxxxxxxxxxxxxxxxxxx. | Initial |
| 11266987 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxx |  |  | Payment History String is reversed xxxxxxxxxxxx ; however, the tape data shows xxxxxxxxxxxxxxxxxxxx. | Initial |
| 69182265 | xx | xx | Doc Date of Last Modification | xx | xx | xx (Days) |  | Doc Date of last modification. Data Provided is xx while audit value is xx | Initial |
| 69182265 | xx | xx | Loan Amortization Type | Step | Fixed |  |  | Laon Amortization Type. Data provided is Fixed while Audit value is Step. | Initial |
| 69182265 | xx | xx | MERS MIN Number | xx | xx |  |  | MERS MIN Number. Data Provided is xx while audit value is xx | Initial |
| 69182265 | xx | xx | Mod Step 1 Date | xx/x/xxxx | x/x/xxxx | -xxx (Days) |  | Mod Stepx Date. Data provided is x/x/xxxx while audit value is xx/x/xxxx | Initial |
| 69182265 | xx | xx | Mod Step 2 Date | xx/x/xxxx | x/x/xxxx | -xxx (Days) |  | Mod stepx. Data provided is x/x/xxxx while audit value is xx/x/xxxx | Initial |
| 69182265 | xx | xx | Mod Step 3 Date | xx/x/xxxx | x/x/xxxx | -xxx (Days) |  | Mod step x Date. Dat provided is x/x/xxxx while audit value xx/x/xxxx | Initial |
| 69182265 | xx | xx | Mod Step 3 Rate | x.xxx% | x.xxx% | x.xxx% | x.xxxxx% | Mod Step x Rate. Data Provided is x.x% while audit value is x.x% | Initial |
| 69182265 | xx | xx | Modification Original P&I | $xxx.xx | $xxx.xx | $x.xx | x.xxxxx% | Modification Original P&I Data provided is $xxx.xx while audit value is $xxx.xx | Initial |
| 69182265 | xx | xx | Number of Mod Rate Steps | x | x | x | xx.xxxxx% | Number of Mod Rate Steps. Data Provided is x while Audit value is x | Initial |
| 69182265 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note Doc Date. Data provided is xx while audit value is xx | Initial |
| 69182265 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String. Data Provided is xxxxxxxxxxxxxxxxxxxxx while audit value is xxxxxxxxxxxx | Initial |
| 69182265 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String Reversed. Data Provided is xxxxxxxxxxxxxxxxxxxxxx while Audit value is xxxxxxxxxxxx | Initial |
| 69182265 | xx | xx | Purpose of Refinance Per Application | Debt consolidation | Lower rate or term |  |  | Purpose of Refinance. Data Provided is Lower rate or term while audit value is debt consolidation | Initial |
| 69182265 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Purpose of refinance as per the final HUD x is cash out however tape reflects as refinance. | Initial |
| 88847202 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | As per servicing comments, the foreclosure is initiated, however, tape data reflects no foreclosure | Initial |
| 88847202 | xx | xx | Doc Date of Last Modification | xx | xx | -x (Days) |  | As per Modification agreement modification date is xx;howevertape data reflcts xx. | Initial |
| 88847202 | xx | xx | MERS MIN Number | xx | xx |  |  |  | Initial |
| 88847202 | xx | xx | Modification Original P&I | $xxx.xx | $xxx.xx | $xxx.xx | xx.xxxxx% | As per Modification agreement modification P&I is $xxx.xx;however,tape data reflcts $xxx.xx. | Initial |
| 88847202 | xx | xx | Modification Original Rate | x.xxx% | x.xxx% | x.xxx% | x.xxxxx% | As per Modification agreement modification, original rate is x.xxx%, however, tape data reflects x.xxx%. | Initial |
| 88847202 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | As per Appraisal report CLTV is xx;however tape data reflcts xx | Initial |
| 88847202 | xx | xx | Original Note Doc Date | xx | xx | x (Days) |  | As per note loan origination date is xx;however,tpae data reflects xx. | Initial |
| 88847202 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | As per Appraisal report, LTV is xx;however,tape data reflcts xx. | Initial |
| 88847202 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per payment history, the string is xxxxxxxxxxxxx, however tape data reflect xxxxxxxxxxxxxxxxxxx. | Initial |
| 88847202 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per payment history, the reversed string is xxxxxxxxxxxxx, however tape data reflect xxxxxxxxxxxxxxxxxxxx. | Initial |
| 88847202 | xx | xx | Purpose of Transaction per HUD-1 | Purchase | Refinance |  |  | As per final HUD-x purpose of the transaction is Purchase, However, the tape data Refinance. | Initial |
| 88847202 | xx | xx | Purpose Per Application | Purchase | Refinance |  |  | As per final xxxx purpose of the application is Purchase, however, tape data reflect the Refinance. | Initial |
| 96367069 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Chpt x | Initial |
| 96367069 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | Currently in foreclosure is yes however tape data shows no. | Initial |
| 96367069 | xx | xx | Doc Date of Last Modification | xx | xx | xx (Days) |  | Per mod | Initial |
| 96367069 | xx | xx | Interest Only Period? | Yes | No |  |  | Per note | Initial |
| 96367069 | xx | xx | MERS MIN Number | xx | xx |  |  |  | Initial |
| 96367069 | xx | xx | Mod Step 1 Date | x/x/xxxx | xx/xx/xxxx | xx (Days) |  | Per mod | Initial |
| 96367069 | xx | xx | Number of Mod Rate Steps | x | x | x | xxx.xxxxx% | Per mmd | Initial |
| 96367069 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -xx.xxxxx% | Per appraisal | Initial |
| 96367069 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Per note | Initial |
| 96367069 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Note/appraisal | Initial |
| 96367069 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | Original Stated P&I is xx however tape data shows xx. | Initial |
| 96367069 | xx | xx | Payment History String | xxxxxxxxxxxx | -xxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history String is xxxxxxxxxxxx however tape data shows xxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 96367069 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history String Reversed is xxxxxxxxxxxx however tape data shows xxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 96367069 | xx | xx | Property Address Street | xx | xx |  |  | Per note | Initial |
| 80145263 | xx | xx | Bankruptcy Filing Date | xx | xx | xxx (Days) |  | AS per PACER BK filing date is xx. However, tape reflects as xx. | Initial |
| 80145263 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | Currently in foreclosure. However, tape reflects as No. | Initial |
| 80145263 | xx | xx | Mod Maturity Date | Not Applicable | xx |  |  | N/A | Initial |
| 80145263 | xx | xx | Original Note Doc Date | xx | xx | x (Days) |  | Original Note DOC date is xx. However, tape reflects as xx. | Initial |
| 80145263 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history string is xxxxxxxxxxxx. However, tape reflects as xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 80145263 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history string reversed is xxxxxxxxxxxx. However, tape reflects as xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 80145263 | xx | xx | Property Address Street | xx | xx |  |  | No Discrepancy. | Initial |
| 63465255 | xx | xx | MERS MIN Number | Unavailable | xx |  |  | No Discrepancies. | Initial |
| 63465255 | xx | xx | Original CLTV Ratio Percent | Unavailable | xx |  |  | As per Appraisal the CLTV is xx.However tape reflect it as xx. | Initial |
| 63465255 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per Note the date is xx.However tape reflect it as xx. | Initial |
| 63465255 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | As per Appraisal the LTV is xx.However tape reflect it as xx. | Initial |
| 63465255 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxx |  |  | As per Payment History, the String Reversed is xxxxxxxxxxxx.However, tape reflects it as xxxxxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 63465255 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxx |  |  | As per Payment History, the String Reversed is xxxxxxxxxxxx.However, tape reflects it as xxxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 63465255 | xx | xx | Property Address Street | xx | xx |  |  | As per Note the address is xx.However tape reflect it as xx. | Initial |
| 56280168 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | Currently in foreclosure Yes , however tape data showing No. | Initial |
| 56280168 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | Doc date of last modification xx, however tape data showing xx. | Initial |
| 56280168 | xx | xx | MERS MIN Number | xx | xx |  |  |  | Initial |
| 56280168 | xx | xx | Modification Original P&I | $xxx.xx | $xxx.xx | $-xxx.xx | -xx.xxxxx% | Modification Original P&I $xxx.xx, however tape data showing $xxx.xx. | Initial |
| 56280168 | xx | xx | Modification Original Rate | x.xxx% | x.xxx% | x.xxx% | x.xxxxx% | Modification Original Rate x.xxx%, however tape data showing x.xx%. | Initial |
| 56280168 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | Original CLTV Ratio Percent xx, however tape data showing xx. | Initial |
| 56280168 | xx | xx | Original Note Doc Date | xx | xx | -xx (Days) |  | original note doc date xx, however tape data showing xx. | Initial |
| 56280168 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Original Standard LTV (OLTV) xx, however tape data showing xx. | Initial |
| 56280168 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String xxxxxxxxxxxx, however tape data xxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 56280168 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String Reversed xxxxxxxxxxxx, however tape data xxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 56280168 | xx | xx | Property Address Street | xx | xx |  |  | Property address street xx , however tape data showing xx. | Initial |
| 56280168 | xx | xx | Property City | xx | xx |  |  | Property City xx , however tape data showing xx. | Initial |
| 56280168 | xx | xx | Purpose of Refinance Per Application | Cash Out - Other | Lower rate or term |  |  | Purpose of refinance per application Cash out - other , however tape data showing Lower rate or term. | Initial |
| 56280168 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Purpose of transaction per HUD-x Cash out , however tape data showing Refinance. | Initial |
| 25806992 | xx | xx | Mod Maturity Date | Not Applicable | xx |  |  | No Discrepancy. | Initial |
| 25806992 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | CLTV percent is xx however tape reflects as xx. | Initial |
| 25806992 | xx | xx | Original Note Doc Date | xx | xx | x (Days) |  | Original note date is xx however tape reflects as xx. | Initial |
| 25806992 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Standard LTV is xx however tape reflects as xx. | Initial |
| 25806992 | xx | xx | Payment History String | xxxxxxxxxxxx | -xxxxxxxxxxxxxxxxxxx |  |  | Payment history string is xxxxxxxxxxx however tape reflects as xxxxxxxxxxxxxx | Initial |
| 25806992 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxx |  |  | Payment history string reversed is xxxxxxxxxxxx however tape reflects as xxxxxxxxxxxxxxxxxxxx. | Initial |
| 25806992 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx however tape reflects as xx | Initial |
| 24801901 | xx | xx | Current Legal Status | Collections, >= xxx Days | Bankruptcy |  |  | Current legal status is Collection >= xxx days but tape shows Bankruptcy. | Initial |
| 24801901 | xx | xx | Deferred Balance Amount | $xxxxx.xx | $xxxxx.xx | $xxxxx.xx | xx.xxxxx% | Deferred balance amount is $xxxxx.xx but tape shows xxxxx.xx | Initial |
| 24801901 | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Did a modification change note terms is Yes but tape shows No | Initial |
| 24801901 | xx | xx | Loan Documentation Type | Full Documentation | Reduced |  |  |  | Initial |
| 24801901 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xxx | -xx.xxxxx% | Loan original maturity terms months are xxx but tape shows xxx. | Initial |
| 24801901 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | Original stated P&I is xx but tape shows xx | Initial |
| 24801901 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Original stated rate is x.xxx% but tape shows x.xx% | Initial |
| 24801901 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxXXXXXXXX |  |  | Payment history string is xxxxxxxxxxxx but tape shows xxxxxxxxxxxxxXXXXXXXXXXXXXXX | Initial |
| 24801901 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | XXXXXXXXxxxxxxxxxxxxxxxx |  |  | Payment history string reversed is xxxxxxxxxxxx but tape shows XXXXXXXXXxxxxxxxxxxxxx. | Initial |
| 24801901 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD but tape shows Single Familly | Initial |
| 21876624 | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Did a Modification Change note Term is Yes ; however the tape data shows No. | Initial |
| 21876624 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxFFFFFFMXXXXXXXXXXX |  |  | Payment History String is xxxxxxxxxxxx ; however the tape data shows xxxxxxFFFFFFFmXxxxxxxxxxxxxxxxxx. | Initial |
| 21876624 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | XXXXXXXXXMXMFFFFFFxxxxxx |  |  | Payment History String Reversed is xxxxxxxxxxxx ; however the tape data shows xxxxxxFFFFFMXXXXXXXXXXXXX. | Initial |
| 21876624 | xx | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 21876624 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property type is PUD ; however, the tape data shows single family. | Initial |
| 2502708 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | As per PACER report, the borrower had filed bankruptcy. However, tape data reflects it as No. | Initial |
| 2502708 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | No Discrepancies. | Initial |
| 2502708 | xx | xx | Current Foreclosure Status | Sale Publication | Judgment Entered |  |  | As per available documents, the sale was published, therefore, current legal status is sale publication. However, tape data reflects it as Judgment Entered. | Initial |
| 2502708 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | No Discrepancies. | Initial |
| 2502708 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | As per Appraisal report, appraised value is xx, then CLTV ratio is xx. However, tape data reflects it as xx. | Initial |
| 2502708 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | As per Note, original note doc. date is xx. However, tape data reflects it as xx. | Initial |
| 2502708 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | As per Appraisal report, appraised value is xx, then LTV ratio is xx. However, tape data reflects it as xx. | Initial |
| 2502708 | xx | xx | Payment History String | xxxxxxxxxxxx | cbaxxxxxxxxxxxxxxxxxxxxx |  |  | As per Payment history, the string is xxxxxxxxxxxx. However, tape data reflects it as cbaxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 2502708 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxaxabc |  |  | As per Payment history, the reversed string is xxxxxxxxxxxx. However, tape data reflects it as xxxxxxxxxxxxxxxxaxabc. | Initial |
| 2502708 | xx | xx | Property Address Street | xx | xx |  |  | No Discrepancies. | Initial |
| 2502708 | xx | xx | Purpose of Refinance Per Application | Debt consolidation | Lower rate or term |  |  |  | Initial |
| 2502708 | xx | xx | Subject Property Type | PUD | Single Family |  |  | As per Appraisal report, subject property type is PUD. However, tape data reflects it as Single Family. | Initial |
| 18940021 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy is yes however tape data shows no | Initial |
| 18940021 | xx | xx | Current Foreclosure Status | Complaint Filed | Sale Publication |  |  | Current foreclosure status is petition filed however tape data shows sale publication | Initial |
| 18940021 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender guideline required MI is N/A; however tape data shows No. | Initial |
| 18940021 | xx | xx | Mod Step 1 Date | x/x/xxxx | x/x/xxxx | xx (Days) |  | Mod step x date x/x/xxxx however tape data shows x/x/xxxx | Initial |
| 18940021 | xx | xx | Mod Step 2 Date | x/x/xxxx | x/x/xxxx | xx (Days) |  | Mod step x date x/x/xxxx however tape data shows x/x/xxxx | Initial |
| 18940021 | xx | xx | Mod Step 3 Date | x/x/xxxx | x/x/xxxx | xx (Days) |  | Mod step x date x/x/xxxx however tape data shows x/x/xxxx | Initial |
| 18940021 | xx | xx | Mod Step 4 Date | x/x/xxxx | x/x/xxxx | xx (Days) |  | Mod step x date x/x/xxxx however tape data shows x/x/xxxx | Initial |
| 18940021 | xx | xx | Modification Original P&I | $xxx.xx | $xxx.xx | $x.xx | x.xxxxx% | Modification original P&I is $xxx.xx however tape data shows $xxx.xx | Initial |
| 18940021 | xx | xx | Payment History String | xxxxxxxxxxxx | cbaxxxxxxxxxxxxxxxxxxxxx |  |  | payment history string is xxxxxxxxxxxx however tape data shows cbaxxxxxxxxxxxxxxxxxxxxx | Initial |
| 18940021 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxaxabc |  |  | payment history string reversed is xxxxxxxxxxxx however tape data shows xxxxxxxxxxxxxxxxxxaxabc | Initial |
| 18940021 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx however tape data shows xx | Initial |
| 29687154 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | No Discrepancies. | Initial |
| 29687154 | xx | xx | Mod Maturity Date | Not Applicable | xx |  |  | Loan not modified since origination. | Initial |
| 29687154 | xx | xx | Next Rate Change Date | x/x/xxxx | x/x/xxxx | xxx (Days) |  | The review of note doc shows that, the next rate change date is x/x/xxxx. However the tape shows that it is x/x/xxxx. | Initial |
| 29687154 | xx | xx | Payment History String | xxxxxxxxxxxx | ZZZZZZZZZZZZZZZZZZZZZZZZ |  |  | The review of pay history shows that, the string is xxxxxxxxxxxx. However the tape shows that it is ZZZZZZZZZZZZZZZZZZ. | Initial |
| 29687154 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | ZZZZZZZZZZZZZZZZZZZZZZZZ |  |  | The review of pay history shows that, the string reversal is xxxxxxxxxxxx. However the tape shows that it is ZZZZZZZZZZZZZZZZZZ. | Initial |
| 29687154 | xx | xx | Property Address Street | xx | xx |  |  | No Discrepancies. | Initial |
| 29687154 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| 81659981 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | No Discrepancies. | Initial |
| 81659981 | xx | xx | Loan Amortization Type | Step | Fixed |  |  | Loan Amortization Type is Step ;however ,the tape data reflects Fixed. | Initial |
| 81659981 | xx | xx | Mod Step 1 Date | xx/x/xxxx | xx/x/xxxx | xx (Days) |  | Mod Step x Date is xx/x/xxxx ;however ,the tape data reflects xx/x/xxxx. | Initial |
| 81659981 | xx | xx | Mod Step 2 Date | xx/x/xxxx | xx/x/xxxx | xx (Days) |  | Mod Step x Date is xx/x/xxxx ;however ,the tape data reflects xx/x/xxxx. | Initial |
| 81659981 | xx | xx | Mod Step 3 Date | xx/x/xxxx | xx/x/xxxx | xx (Days) |  | Mod Step x Date is xx/x/xxxx ;however ,the tape data reflects xx/x/xxxx. | Initial |
| 81659981 | xx | xx | Mod Step 4 Date | xx/x/xxxx | xx/x/xxxx | xx (Days) |  | Mod Step x Date is xx/x/xxxx ;however ,the tape data reflects xx/x/xxxx. | Initial |
| 81659981 | xx | xx | Modification Original P&I | $xxx.xx | $xxx.xx | $x.xx | x.xxxxx% | Modification Original P&I is $xxx.xx ;however ,the tape data reflects $xxx.xx | Initial |
| 81659981 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | Original CLTV Ratio Percent is xx ;however ,the tape data reflects xx. | Initial |
| 81659981 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Original Standard LTV is xx ;however ,the tape data reflects xx. | Initial |
| 81659981 | xx | xx | Payment History String | xxxxxxxxxxxx | hhkkmnnpoopppponmlkjihgg |  |  | Payment History String is xxxxxxxxxxxx ;however ,the tape data reflects gghijlknpppppponnkkkh. | Initial |
| 81659981 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | gghijklmnpppppoopnnkkkhh |  |  | Payment History String Reversed is xxxxxxxxxxxx ;however ,the tape data reflects gghijlknpppppponnkkkh. | Initial |
| 20753052 | xx | xx | ARM Index Type | Not Applicable | LIBOR - x month WSJ |  |  |  | Initial |
| 20753052 | xx | xx | Bankruptcy Filing Date | xx | xx | xxx (Days) |  | Bankruptcy Filing Date is xx ;however ,the tape data reflects xx. | Initial |
| 20753052 | xx | xx | Doc Date of Last Modification | xx | xx | -x (Days) |  | Doc Date of Last Modification is xx ;however ,the tape data reflects xx. | Initial |
| 20753052 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | No Discrepancies. | Initial |
| 20753052 | xx | xx | First Rate Change Date | x/x/xxxx | xx/x/xxxx | -xxxx (Days) |  | First Rate Change Date is x/x/xxxx ;however ,the tape data reflects xx/x/xxxx. | Initial |
| 20753052 | xx | xx | Loan Amortization Type | Fixed | ARM |  |  | Loan Amortization Type is Fixed ;however ,the tape data reflects ARM. | Initial |
| 20753052 | xx | xx | Loan Documentation Type | Full Documentation | No Documentation |  |  |  | Initial |
| 20753052 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | -x.xxxxx% | Original Balance is xx ;however ,the tape data reflects xx. | Initial |
| 20753052 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | Original Stated P&I is xx ;however ,the tape data reflects xx. | Initial |
| 20753052 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String is xxxxxxxxxxxxxx ;however ,the tape data reflects xxxxxxxxxxxxxxxxxxx. | Initial |
| 20753052 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String Reversed is xxxxxxxxxxxxxx ;however ,the tape data reflects xxxxxxxxxxxxxxxxxxx. | Initial |
| 20753052 | xx | xx | Property Address Street | xx | xx |  |  | No Discrepancies. | Initial |
| 20753052 | xx | xx | Referral Date | Unavailable | x/xx/xxxx |  |  | Referral Date is Unavailable ;however ,the tape data reflects x/xx/xxxx. | Initial |
| 20753052 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxxxx.xx | xx.xxxxx% | Total Debt / Legal Balance per Payment History is $xxx,xxx.xx ;however ,the tape data reflects $xxx,xxx.xx. | Initial |
| 77766069 | xx | xx | ARM Index Type | Not Applicable | LIBOR - x month WSJ |  |  |  | Initial |
| 77766069 | xx | xx | Bankruptcy Filing Date | xx | xx | -xxx (Days) |  | Per baknruptcy documents filing date xx | Initial |
| 77766069 | xx | xx | Corporate Advances: Recoverable per Payment History | $xx.xx | $-xx.xx | $xx.xx | -xxx.xxxxx% |  | Initial |
| 77766069 | xx | xx | Current Occupancy | Vacant | Owner (or Former): Primary Home |  |  | Per servicer commentary property is vacant. | Initial |
| 77766069 | xx | xx | Doc Date of Last Modification | xx | xx | xx (Days) |  |  | Initial |
| 77766069 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  |  | Initial |
| 77766069 | xx | xx | Escrow Advance Balance per Payment History | $xxxx.xx | $-xxxx.xx | $xxxx.xx | -xxx.xxxxx% |  | Initial |
| 77766069 | xx | xx | First Rate Change Date | x/xx/xxxx | x/xx/xxxx | -xxxx (Days) |  | First rate change per note was xx, per ARM note to change every x months, July/January. xst rate change after modification will be xx | Initial |
| 77766069 | xx | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| 77766069 | xx | xx | Loan Amortization Type | Fixed | ARM |  |  | Temp mod is step ARM, xst step fixed at x% and as of xx per ARM note. | Initial |
| 77766069 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | Original P&I is xx, current P&I per temp mod is xx | Initial |
| 77766069 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Original note rate is x.xx% current temp mod rate is x% | Initial |
| 77766069 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxx |  |  | per pay history string is xxxxxxxxxxxx tape shows xxxxxxxxxxxxxxxxx. | Initial |
| 77766069 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxx |  |  | per pay history string reversed is xxxxxxxxxxxx tape shows xxxxxxxxxxxxxxxxx. | Initial |
| 77766069 | xx | xx | Property Address Street | xx | xx |  |  | Formatting | Initial |
| 77766069 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxxx.xx | xx.xxxxx% | per tape, pay history does not have balance amount. | Initial |
| 14721450 | xx | xx | Bankruptcy Filing Date | xx | xx | -xxx (Days) |  | Bankruptcy filing date is xx. However, tape data shows xx. | Initial |
| 14721450 | xx | xx | Doc Date of Last Modification | xx | xx | xx (Days) |  | Doc date of last modification is xx. However, tape data shows xx. | Initial |
| 14721450 | xx | xx | Loan Amortization Type | Step | Fixed |  |  | Loan amortization type is step. However, tape data shows fixed. | Initial |
| 14721450 | xx | xx | Original Stated P&I | xx | xx | xx | -xx.xxxxx% | Original P&I is xx. However, tape data shows xx. | Initial |
| 14721450 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Original stated rate is x.xxxxx%. However, tape data shows x.xxxxx%. | Initial |
| 14721450 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per latest payment history string is xxxxxxxxxxxx. However, tape data shows xxxxxxxxxxxxx. | Initial |
| 14721450 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per latest payment history string reversed is xxxxxxxxxxxx. However, tape data shows xxxxxxxxxxxxx. | Initial |
| 14721450 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxxx.xx | xx.xxxxx% | As per the payment history, the total debt is $xxx,xxx.xx, the tape shows as $xxx,xxx.xx. | Initial |
| 69077855 | xx | xx | Current Foreclosure Status | Complaint Filed | Judgment Entered |  |  | Foreclosure was stayed by the bankruptcy. No judgment was found or noted in the updated title. | Initial |
| 69077855 | xx | xx | Current Occupancy | Occupied by Unknown Party | Owner (or Former): Primary Home |  |  | Property is leased based on review documents | Initial |
| 69077855 | xx | xx | Doc Date of Last Modification | xx | xx | xx (Days) |  | Doc date of last mod is xx; however the tape data shows xx. | Initial |
| 69077855 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Audit value machine filled. | Initial |
| 69077855 | xx | xx | Loan Amortization Type | Step | Fixed |  |  | Loan was fixed rate. The modification agreement is a step-modification. | Initial |
| 69077855 | xx | xx | Modification First Payment Date | x/x/xxxx | x/x/xxxx | xx (Days) |  | MOd first payment date is x/x/xxxx; however the tape data shows x/x/xxxx. | Initial |
| 69077855 | xx | xx | Original Stated P&I | xx | xx | xx | xxx.xxxxx% | Audit value is taken from note. | Initial |
| 69077855 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Next payment due for x/x/xxxx. | Initial |
| 69077855 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Next payment due for x/x/xxxx. | Initial |
| 69077855 | xx | xx | Property Address Street | xx | xx |  |  | Audit value shows 'street' spelled out. | Initial |
| 69077855 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxxxx.xx | -xx.xxxxx% | Audit value is more in line with the POC. | Initial |
| 76586932 | xx | xx | Bankruptcy Filing Date | xx | xx | -x (Days) |  | As per PACER the BK filing date is xx.However, tape reflects it as xx. | Initial |
| 76586932 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | As per Mod the last Mod date is xx.However, tape reflects it as xx. | Initial |
| 76586932 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Lender does not require MI because the LTV is xx as per the appraisal report. | Initial |
| 76586932 | xx | xx | Loan Amortization Type | Step | Fixed |  |  | As per Mod the Amortization type is Step. However, tape reflects it as Fixed. | Initial |
| 76586932 | xx | xx | Loan Documentation Type | Unavailable | No Documentation |  |  | As per Application, the loan Documentation is Full Documentation. However, tape reflects it as No Documentation. | Initial |
| 76586932 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | As per Note the P&I is xx.However, tape reflects it as xx. | Initial |
| 76586932 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per Payment History, the String is xxxxxxxxxxxx.However, tape reflects it as xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 76586932 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per Payment History, the String Reversed is xxxxxxxxxxxx.However, tape reflects it as xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 76586932 | xx | xx | Purpose of Refinance Per Application | Limited Cash Out (GSE definition) | Cash Out - Other |  |  | As per Application the Purpose for refinance is Limited Cash-out. However, tape reflects it as Cash- Out. | Initial |
| 76586932 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxx.xx | $xxxxx.xx | $-xxxxx.xx | -xx.xxxxx% | As per Payment History the Total Debt/Legal balance is $xx,xxx.xx.However, tape reflects it as $x,xxx.xx. | Initial |
| 52500514 | xx | xx | Current Bankruptcy Proof of Claim (POC) Date | xx | xx | -xxx (Days) |  | Current Bankruptcy Proof of Claim Date is xx however tape data shows xx. | Initial |
| 52500514 | xx | xx | Last Payment Received Date | x/x/xxxx | x/x/xxxx | xxxx (Days) |  |  | Initial |
| 52500514 | xx | xx | Loan Amortization Type | ARM | Fixed |  |  | Note was a Fixed Rate Pick-a-payment Neg Am. Payment adjusts every xx months with full recast after xxx months. | Initial |
| 52500514 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx.xxxxx% | Original Standard LTV is xx however tape data shows xx. | Initial |
| 52500514 | xx | xx | Referral Date | x/xx/xxxx | x/xx/xxxx | xxx (Days) |  | Referral date is x/xx/xxxx however tape data shows x/xx/xxxx. | Initial |
| 52500514 | xx | xx | S&C Filing Date | x/xx/xxxx | x/x/xxxx | -xxx (Days) |  | S&C Filing Date is x/xx/xxxx however; tape data shows x/x/xxxx. | Initial |
| 95979856 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | As per the PACER, the borrower has filed bankruptcy. However tape data reflects bankruptcy was not filed. | Initial |
| 95979856 | xx | xx | Current Bankruptcy Case Number | xx | xx |  |  | The borrower filed bankruptcy under Chapter xx with case number xx on xx. However, tape data reflects that case number xx. | Initial |
| 95979856 | xx | xx | Current Bankruptcy Proof of Claim (POC) Date | Not Applicable | xx |  |  | As per the PACER, the lender does not filed proof of claim. However, tape data reflects that the lender had filed POC on xx. | Initial |
| 95979856 | xx | xx | Loan Amortization Type | Step | Fixed |  |  | As per modification loan amortization is Step type amortization but tape reflects that it is fixed type amortization. | Initial |
| 95979856 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | xx | xx.xxxxx% | As per Note document Loan original maturity terms is xxx months.However, tape data reflects that xxx months. | Initial |
| 95979856 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | x.xxxxx% | As per Note document Loan Original Balance is xx. However, tape data reflects that xx. | Initial |
| 95979856 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx.xxxxx% | An Appraisal report, Original standard LTV (OLTV) is xx. However, tape data reflects that xx. | Initial |
| 95979856 | xx | xx | Property Address Street | xx | xx |  |  | As per Note document property Address street xx. However tape data reflects xx. | Initial |
| 95979856 | xx | xx | S&C Filing Date | x/xx/xxxx | xx/x/xxxx | xxx (Days) |  | The foreclosure was initiated and the complaint was filed on xx. However, tape data reflects that the complaint was filed on xx/x/xxxx. | Initial |
| 95979856 | xx | xx | Sales Price (HUD-1 Line 101) | Not Applicable | xx |  |  | As per HUD-x, the purpose of the transaction is Refinance. However, tape data reflects that Sales Price (HUD-x Line xxx) is in the amount of xx. | Initial |
| 12974330 | xx | xx | Current Bankruptcy Case Number | xx | xx |  |  | Current Bankruptcy Case Number is xx however tape data shows xx. | Initial |
| 12974330 | xx | xx | Current Bankruptcy Proof of Claim (POC) Date | xx | xx | xx (Days) |  | Current Bankruptcy Proof of Claim date is xx however tape data shows xx. | Initial |
| 12974330 | xx | xx | Deferred Balance Amount | $xxxxx.xx | $xxxxx.xx | $xxxxx.xx | xx.xxxxx% | Deffered Balance Amount is $xx,xxx.xx however tape data shows $xx,xxx.xx. | Initial |
| 12974330 | xx | xx | Foreclosure Delay/Obstruction Start Date | xx | xx | -x (Days) |  | Foreclosure delay/obstruction start date is xx however tape data shows xx. | Initial |
| 12974330 | xx | xx | Loan Amortization Type | Step | Fixed |  |  | Loan Amortization type is Step however tape data shows Fixed. | Initial |
| 12974330 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xxx | -xx.xxxxx% | As per note loan original maturity term months is xxx therefore tape data shows xxx. | Initial |
| 12974330 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Original Standard LTV is xx however tape data shows xx. | Initial |
| 12974330 | xx | xx | Property Postal Code | xx | xx |  |  | As per note property postal code is xx therefore tape data shows xx. | Initial |
| 12974330 | xx | xx | S&C Filing Date | Not Applicable | x/x/xxxx |  |  | S&C filing date is Not Applicable however tape data shows x/x/xxxx.. | Initial |
| 49902257 | xx | xx | Deferred Balance Amount | Not Applicable | $xxxx.xx |  |  | Deferred balance account is not applicable , tape shows $xxxx.xx | Initial |
| 49902257 | xx | xx | Did a Modification Change Note Terms? | No | Yes |  |  | Did a modification change note term is no, tape shows yes. | Initial |
| 49902257 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  | Does lender require MI is yes, tape shows no | Initial |
| 49902257 | xx | xx | First Payment Date | xx | xx | -xxxx (Days) |  | First pay date is xx, tape shows no xx | Initial |
| 49902257 | xx | xx | Is REO Active? | Not Applicable | No |  |  | Is REO active is not applicable, tape shows no | Initial |
| 49902257 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxx |  |  | Payment history string is xxxxxxxxxxxxx, tape shows xxxxxxxxxxxxxx | Initial |
| 49902257 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxx |  |  | Payment history string reversed is xxxxxxxxxxxx, tape shows xxxxxxxxxxxxxx | Initial |
| 49902257 | xx | xx | Purpose of Refinance Per Application | Lower rate or term | Cash Out - Other |  |  | Purpose of refinance per application is lower rate or term, tape shows cash out | Initial |
| 50969518 | xx | xx | First Payment Date | xx | xx | -xxxx (Days) |  | The loan was originated on xx and the first paymenyt date is xx. | Initial |
| 50969518 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | -xx.xxxxx% | The loan was originated on xx with original balance xx. | Initial |
| 50969518 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | The loan was originated on xx. | Initial |
| 50969518 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | The loan was originated on xx with original balance xx and P&I xx | Initial |
| 50969518 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | The loan was originated on xx with original balance xx and rate of interest x.x%. | Initial |
| 50969518 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | According to the payment history as of x/xx/xxxx, the borrower is delinquent for x months. Hence string is xxxxxxxxxxxx. | Initial |
| 50969518 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | According to the payment history as of x/xx/xxxx, the borrower is delinquent for x months. Hence string is xxxxxxxxxxxx. | Initial |
| 50969518 | xx | xx | Purpose of Refinance Per Application | Cash Out - Other | Lower rate or term |  |  | The borrower receives cash to amount which exceeds x%. Hence purpose of refinance is cash out. | Initial |
| 50969518 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | The borrower receives cash to amount which exceeds x%. Hence purpose of transaciton is cash out. | Initial |
| 95809929 | xx | xx | ARM Index Margin Percent | x.xxx% | xxx.xxx% | -xxx.xxx% | -xxx.xxxxx% | ARM Index margin percent x.xx%, however tape data is showing xxx.xx%. | Initial |
| 95809929 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name xx, however tape data is showing xx. | Initial |
| 95809929 | xx | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| 95809929 | xx | xx | Loan Documentation Type | Unavailable | Alternative |  |  |  | Initial |
| 95809929 | xx | xx | Original Stated P&I | xx | xx | xx | -xx.xxxxx% | Original stated P&I xx, however tape data is showing xx. | Initial |
| 95809929 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | -x.xxxxx% | -x.xxxxx% | Original Stated Rate x.xx%, however tape data is showing x.xxx%. | Initial |
| 95809929 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxx |  |  | Payment history string xxxxxxxxxxx, however tape data is showing xxxxxxxxxxxxxxxxxxx. | Initial |
| 95809929 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxx |  |  | Payment history string reversed xxxxxxxxxxx, however tape data is showing xxxxxxxxxxxxxxxxxxx. | Initial |
| 95809929 | xx | xx | Periodic Rate Change Cap Down | x.xxx% | xxx.xxx% | -xx.xxx% | -xx.xxxxx% | Periodic pay adjustment cap x.xx%, however tape data is showing xxx.xx%. | Initial |
| 95809929 | xx | xx | Property Address Street | xx | xx |  |  | Property address street xx, however tape data is showing xx. | Initial |
| 15254522 | xx | xx | Balloon Indicator | No | Yes |  |  | There is no balloon indicator as per the note. | Initial |
| 15254522 | xx | xx | Borrower Last Name | xx | xx |  |  | The Note reflects the Borrower's Last Name as xx. | Initial |
| 15254522 | xx | xx | Doc Date of Last Modification | xx | xx | xx (Days) |  | The Document Date of the Last Modification is xx. | Initial |
| 15254522 | xx | xx | MERS MIN Number | xx | xx |  |  |  | Initial |
| 15254522 | xx | xx | Modification First Payment Date | x/x/xxxx | x/xx/xxxx | xxx (Days) |  | The Modification reflects the First Payment Date xx/xx/xxxx. | Initial |
| 15254522 | xx | xx | Payment History String | xxxxxxxxxxxx | NMMMMMMLLLLLKKLKLKJIHGFE |  |  | The Payment reflects the Payment History String as xxxxxxxxxxxxxx. | Initial |
| 15254522 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | EFGHIJKLKKKKLLLLLMMMMMMN |  |  | The Payment History String reversed is xxxxxxxxxxxxx. | Initial |
| 15254522 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxxx.xx | xx.xxxxx% | As per the payment history, the total debt is $xxx,xxx.xx. | Initial |
| 17109869 | xx | xx | Doc Date of Last Modification | xx | xx | xxx (Days) |  | The modification documents states the first payment date of xx. | Initial |
| 17109869 | xx | xx | Loan Amortization Type | Step | Fixed |  |  | The loan is step modified. | Initial |
| 17109869 | xx | xx | Modification First Payment Date | x/x/xxxx | x/xx/xxxx | xxx (Days) |  | The modification documents states the first payment date of xx/xx/xxxx. | Initial |
| 17109869 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | The cltv is xx, which is rounded to xx. | Initial |
| 17109869 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | The ltv is xx, which is rounded to xx. | Initial |
| 17109869 | xx | xx | Payment History String | xxxxxxxxxxxx | JKKLLMMMONPTSRQPONMNMLKL |  |  | As per the payment history, the string reversed is xxxxxxxxxxxx. | Initial |
| 17109869 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | LKLMNMNOPSRSTPNOMMMKLKKJ |  |  | As per the payment history, the string is xxxxxxxxxxxx. | Initial |
| 17109869 | xx | xx | Property Address Street | xx | xx |  |  | No discrepancy. | Initial |
| 17109869 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD, however, tape data reflects single family. | Initial |
| 17109869 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxxx.xx | xx.xxxxx% | As per the payment history tape data the total debt is $xxx,xxx.xx. The total debt includes $xxxxx.xx of deferred amount and other escrow and corporate advances. | Initial |
| 35104782 | xx | xx | Doc Date of Last Modification | xx | xx | xx (Days) |  | As per the mod agreement, the doc date of modification is xx. Tape reflects as xx. | Initial |
| 35104782 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | MI certificate is not required. | Initial |
| 35104782 | xx | xx | MERS MIN Number | xx | xx |  |  |  | Initial |
| 35104782 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | As per the appraisal report, the original CLTV ratio percent is xx. Tape reflects as xx. | Initial |
| 35104782 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | As per the appraisal report, the original LTV ratio percent is xx. Tape reflects as xx. | Initial |
| 35104782 | xx | xx | Payment History String | xxxxxxxxxxxx | GFEDCBAxxxxxxxxxxxxxxxxx |  |  | As per payment history, the string is xxxxxxxxxxxx. | Initial |
| 35104782 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxABEDEFG |  |  | As per payment history, the string reversed is xxxxxxxxxxxx. | Initial |
| 35104782 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxxxx.xx | xx.xxxxx% | As per the payment history, the total debt is $xxx,xxx.xx. Tape reflects as $xxx,xxx.xx. | Initial |
| 8753553 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | As per modifiation loan was modified on xx however tape data show as xx | Initial |
| 8753553 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | No Discrepancies. | Initial |
| 8753553 | xx | xx | MERS MIN Number | xx | xx |  |  |  | Initial |
| 8753553 | xx | xx | Mod Maturity Date | xx | xx | -xxxx (Days) |  | As per note mod maturity date is xx however tape data show as xx. | Initial |
| 8753553 | xx | xx | Payment History String | xxxxxxxxxxxx | KMLKJIHHHGFEDCBAxxxxxxxx |  |  | As per payment history string is xxxxxxxxxxxx however tape data show as KMLKJIHHHGFEEDCA | Initial |
| 8753553 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxADCDEFGHHHILKLMK |  |  | As per payment history string reversed is xxxxxxxxxxxx however tape data shows as xxxxxxxxADCDEFGHHHIJKL | Initial |
| 8753553 | xx | xx | Property City | xx | xx |  |  | As per note property city is xx however tape data shows as xx. | Initial |
| 8753553 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxx.xx | x.xxxxx% | As per payment history total debt is $xxxxxx.xx however tape data shows as $xxxxxx.xx. | Initial |
| 28815883 | xx | xx | MERS MIN Number | xx | xx |  |  |  | Initial |
| 28815883 | xx | xx | Mod Maturity Date | Not Applicable | xx |  |  | Loan has not been modified since origination. | Initial |
| 28815883 | xx | xx | Modification First Payment Date | Not Applicable | xx/x/xxxx |  |  |  | Initial |
| 28815883 | xx | xx | Modification Original Rate | Not Applicable | x.xxx% |  |  |  | Initial |
| 28815883 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx.xxxxx% | The original CLTV ratio percent is xx. However the tape shows that it is xx. | Initial |
| 28815883 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx.xxxxx% | The original LTV ratio percent is xx. However the tape shows that it is xx. | Initial |
| 28815883 | xx | xx | Payment History String | xxxxxxxxxxxx | DCBAACBABCDCBAAxxxxxxxxx |  |  | The pay history string is xxxxxxxxxxxx. However the tape shows that it is DCBAAACBAABCD.. | Initial |
| 28815883 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxBABCDCBABCBABCD |  |  | The pay history string reversal is xxxxxxxxxxxx. However the tape shows that it is xxxxxxxxxxxx. | Initial |
| 28815883 | xx | xx | Property Address Street | xx | xx |  |  | The property address street is xx. However the xx. | Initial |
| 28815883 | xx | xx | Purpose of Refinance Per Application | Debt consolidation | Lower rate or term |  |  | The purpose of refinance is debt consolidation. However the tape shows that it is Lower rate or term. | Initial |
| 28815883 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | The purpose of transcation is cash out. However the tape shows that it is refinance. | Initial |
| 28815883 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxx.xx | x.xxxxx% | The pay history total debt is $xxx,xxx.xx. However the tape shows that it is $xxx,xxx.xx. | Initial |
| 45315287 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender Require MI is Not Applicable. However, the tape data reflects No. | Initial |
| 45315287 | xx | xx | Mod Maturity Date | Not Applicable | xx |  |  | Mod Maturity Date is Not Applicable. However, the tape data reflects xx. | Initial |
| 45315287 | xx | xx | Modification First Payment Date | Not Applicable | x/x/xxxx |  |  |  | Initial |
| 45315287 | xx | xx | Modification Original Rate | Not Applicable | x.xxx% |  |  |  | Initial |
| 45315287 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the Payment History String is xxxxxxxxxxxx. However, the tape data reflects xxxxxxxxxxxxxxxxxxxxx. | Initial |
| 45315287 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the Payment History String Reversed is xxxxxxxxxxx. However, the tape data reflects xxxxxxxxxxxxxxxxxxxx. | Initial |
| 45315287 | xx | xx | Property Address Street | xx | xx |  |  | As per Note Property Address Street is xx. However, the tape data reflects xx. | Initial |
| 45315287 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxx.xx | $xxxxx.xx | $xxxx.xx | x.xxxxx% | Total Debt / Legal Balance per Payment History is $xx,xxx.xx. However, the tape data reflects $xx,xxx.xx. | Initial |
| 5679034 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | The foreclosure was initiated. However tape reflects that foreclosure was not initiated. | Initial |
| 5679034 | xx | xx | Doc Date of Last Modification | xx | xx | xx (Days) |  | As per the last modification happen in the loan dated xx. | Initial |
| 5679034 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 5679034 | xx | xx | MERS MIN Number | xx | xx |  |  |  | Initial |
| 5679034 | xx | xx | Payment History String | xxxxxxxxxxxx | Axxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the payment history string as xxxxxxxxxxxx. | Initial |
| 5679034 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxA |  |  | As per the payment history string reversed as xxxxxxxxxxxxx. | Initial |
| 5679034 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxx.xx | $xxxxx.xx | $xxxx.xx | x.xxxxx% | As per payment history, Total Debt / Legal Balance per payment history is given in the amount of $xx,xxx.xx. | Initial |
| 94543895 | xx | xx | Last Payment Received Date | x/x/xxxx | x/xx/xxxx | xxxx (Days) |  |  | Initial |
| 94543895 | xx | xx | Modification Original Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | As per modification agreement, the original rate is x.xxx%. However, the tape data reflects x.xxx%. | Initial |
| 94543895 | xx | xx | Mos Currently Delinquent per Payment History | x | xx | -xx | -xxx.xxxxx% | As per payment history, the loan is currently delinquent from x months. However, the tape data reflects xx months | Initial |
| 94543895 | xx | xx | Payment History String | xxxxxxxxxxxx | dcbbcbaxxxxx |  |  | As per payment history string is xxxxxxxxxxxx However, the tape data reflects string is dcbbcbaxxxxx. | Initial |
| 94543895 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxabbbbcd |  |  | As per payment history string reversed is xxxxxxxxxxxx However, the tape data reflects string is xxxxxabbbbbcd. | Initial |
| 6067696 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | As per PACER, the borrower had filed bankruptcy. However, the tape reflects No. | Initial |
| 6067696 | xx | xx | Loan Documentation Type | Unavailable | Reduced |  |  |  | Initial |
| 6067696 | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | The loan is conventional fixed. | Initial |
| 6067696 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | xx.xxxxx% | As the appraisal report is missing the original CLTV ratio percent stated Not applicable. However, the tape reflects xx. | Initial |
| 6067696 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | xx.xxxxx% | As the appraisal report is missing the original standard LTV stated Not applicable. However, the tape reflects xx. | Initial |
| 6067696 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | As per Note, the original stated rate is x.xx%. However, the tape reflects x.xx%. | Initial |
| 6067696 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxBBBxxxxxxxxxxxxxxXXXX |  |  | As per payment history, the string is xxxxxxxxxxxx. However, the tape reflects xxxBBBxxxxxxxxxxxxxxxxXXXX. | Initial |
| 6067696 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | XXXXxxxxxxxxxxxxxxBxBxxx |  |  | As per payment history, the reversed string is xxxxxxxxxxxx. However, the tape reflects XXXXxxxxxxxxxxxxxxBxBxxx. | Initial |
| 6067696 | xx | xx | Property Address Street | xx | xx |  |  | As per Note, the property address street is xx. However, the tape reflects xx. | Initial |
| 48017955 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | xx (borrower) had filed bankruptcy under chapter xx with the case#xx on xx. | Initial |
| 48017955 | xx | xx | Bankruptcy Filing Date | xx | xx | -x (Days) |  | xx (borrower) had filed bankruptcy under chapter xx with the case#xx on xx. | Initial |
| 48017955 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | According to the servicing comment, the foreclosure was initiated in xx. The file was referred to an attorney on xx. | Initial |
| 48017955 | xx | xx | Did a Modification Change Note Terms? | No | Yes |  |  | The loan has not been modified since origination. The borrower has been making the payments as per the original note terms. | Initial |
| 48017955 | xx | xx | Doc Date of Last Modification | Not Applicable | xx |  |  | The loan has not been modified since origination. The borrower has been making the payments as per the original note terms. | Initial |
| 48017955 | xx | xx | Loan Documentation Type | Full Documentation | Reduced |  |  |  | Initial |
| 48017955 | xx | xx | Mod Step Indicator | Not Applicable | No |  |  | The loan has not been modified since origination. The borrower has been making the payments as per the original note terms. | Initial |
| 48017955 | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | The amortization type is Fixed. Hence, Neg. Amort Potential is not applicable. | Initial |
| 48017955 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Original LTV is xx. | Initial |
| 48017955 | xx | xx | Payment History String | xxxxxxxxxxxx | xxCxxxxxxxxxxxxxxxxxXXXX |  |  | The Payment reflects the Payment History String as xxxxxxxxxxxx. | Initial |
| 48017955 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | XXXXxxxxxxxxxxxxxxxCxCxx |  |  | The Payment History String reversed is xxxxxxxxxxxx. | Initial |
| 48017955 | xx | xx | Referral Date | x/xx/xxxx | x/xx/xxxx | xxx (Days) |  | According to the servicing comment, the foreclosure was initiated in xxxx. The file was referred to an attorney on x/xx/xxxx. | Initial |
| 48017955 | xx | xx | Subject Property Type | PUD | Single Family |  |  | The PUD rider is available with the mortgage. Hence, the subject property type is PUD> | Initial |
| 41592505 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | xx (borrower) had filed bankruptcy under chapter xx with the case#xx on xx. | Initial |
| 41592505 | xx | xx | Loan Amortization Type | Step | ARM |  |  | Loan modification further amortized into x steps. | Initial |
| 41592505 | xx | xx | Loan Documentation Type | Unavailable | Full Documentation |  |  |  | Initial |
| 41592505 | xx | xx | Mod Step 1 Date | x/x/xxxx | x/x/xxxx | -xxxx (Days) |  | The Modification reflects the Modification Step x Date as x/x/xxxx. | Initial |
| 41592505 | xx | xx | Mod Step 1 P&I | $xxx.xx | $xxx.xx | $-xxx.xx | -xx.xxxxx% | The Modification reflects the Modification Step x P&I as $xxx.xx. | Initial |
| 41592505 | xx | xx | Mod Step 1 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | The Modification reflects the Modification Step x rate as x%. | Initial |
| 41592505 | xx | xx | Mod Step 2 Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | The Modification reflects the Modification Step x Date as x/x/xxxx. | Initial |
| 41592505 | xx | xx | Mod Step 2 P&I | $xxx.xx | $xxxx.xx | $-xx.xx | -x.xxxxx% | The Modification reflects the Modification Step x P&I as $xxx.xx. | Initial |
| 41592505 | xx | xx | Mod Step 2 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | The Modification reflects the Modification Step x rate as x%. | Initial |
| 41592505 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV is xx. | Initial |
| 41592505 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original CLTV is xx. | Initial |
| 41592505 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Original rate is x.x%. | Initial |
| 41592505 | xx | xx | Payment History String | xxxxxxxxxxxx | FFFFxFxxxxxxxxxxxxxxXXXX |  |  | The Payment reflects the Payment History String as xxxxxxxxxxxx. | Initial |
| 41592505 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | XXXXxxxxxxxxxxxxxxFFFFFF |  |  | The Payment History String reversed is xxxxxxxxxxxx. | Initial |
| 41592505 | xx | xx | Property Address Street | xx | xx |  |  | The Note reflects the Subject Property Address Street as: xx. | Initial |
| 96224972 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | As per PACER there is BK.However, tape reflects it as No. | Initial |
| 96224972 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | As per servicing comments there are details about foreclosure.However, tape reflects it as No. | Initial |
| 96224972 | xx | xx | Interest Only Period? | No | Yes |  |  | As per Note ther is no Interest Only Period.However, tape reflects it as Yes. | Initial |
| 96224972 | xx | xx | Loan Documentation Type | Unavailable | Full Documentation |  |  |  | Initial |
| 96224972 | xx | xx | Mod Step Indicator | Not Applicable | No |  |  | The loan has never been modified since origination. | Initial |
| 96224972 | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | The loan is conventional fixed. | Initial |
| 96224972 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | As per Appraisal, the CLTV is xx.However, tape reflects it as xx. | Initial |
| 96224972 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | As per Appraisal, the LTV is xx.However, tape reflects it as xx. | Initial |
| 96224972 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxBFFxxxxxxxxxxxXXXXXX |  |  | As per Payment History, the String is xxxxxxxxxxxx.However, tape reflects it as xxxxxBFFFxxxxxxxxxxxxXXXXXXXX. | Initial |
| 96224972 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | XXXXXXxxxxxxxxxxxFFxxxxx |  |  | As per Payment History, the String Reversed is xxxxxxxxxxxx.However, tape reflects it as XXXXXXXXxxxxxxxxFFxxxxxx. | Initial |
| 94064216 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | As per PACER Bankruptcy was failed. however ,the tape data reflects No. | Initial |
| 94064216 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | Doc Date of Last Modification is xx. however ,the tape data reflects xx. | Initial |
| 94064216 | xx | xx | Interest Only Period? | No | Yes |  |  | Interest Only Period is not applicable. however, the tape data reflects Yes. | Initial |
| 94064216 | xx | xx | Loan Amortization Type | Step | ARM |  |  | Loan Amortization Type is Step. however ,the tape data reflects ARM. | Initial |
| 94064216 | xx | xx | Loan Documentation Type | Unavailable | Full Documentation |  |  |  | Initial |
| 94064216 | xx | xx | Mod Step 1 Date | x/x/xxxx | x/x/xxxx | -xxxx (Days) |  | Mod Step x date is xx/xx/xxxx. however ,the tape data reflects xx/xx/xxxx. | Initial |
| 94064216 | xx | xx | Mod Step 1 P&I | $xxx.xx | $xxx.xx | $-xx.xx | -x.xxxxx% | Mos step x P&I is $xxx.xx. however ,the tape data reflects $xxx.xx. | Initial |
| 94064216 | xx | xx | Mod Step 1 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | Mod step x Rate is x.xx%. however ,the tape data reflects x.xx%. | Initial |
| 94064216 | xx | xx | Mod Step 2 Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Mod Step x date is xx/xx/xxxx. however ,the tape data reflects xx/xx/xxxx. | Initial |
| 94064216 | xx | xx | Mod Step 2 P&I | $xxx.xx | $xxx.xx | $-xx.xx | -x.xxxxx% | Mod Step x P&I is $xxx.xx. however ,the tape data reflects $xxx.xx. | Initial |
| 94064216 | xx | xx | Mod Step 2 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | Mod step x rate is x.xx%. however ,the tape data reflects x.xxx%. | Initial |
| 94064216 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Original Stated Rate is x.xxx%. however, the tape data reflects x.xx%. | Initial |
| 94064216 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxBxxxxxxFFxxxxCXXXXXX |  |  | As per the Payment History String is xxxxxxxxxxxx. However, the tape data reflects xxxBxxxxxxxxxxxxXXXXX. | Initial |
| 94064216 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | XXXXXXCxxFxFFxxxxxxxxxxx |  |  | As per the Payment History String Reversed is xxxxxxxxxxx. However, the tape data reflect XXXXCxxFxxxxxxxxxxxx. | Initial |
| 94064216 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. however ,the tape data reflects xx. | Initial |
| 53208210 | xx | xx | Current Occupancy | Vacant | Owner (or Former): Primary Home |  |  |  | Initial |
| 53208210 | xx | xx | Interest Only Period? | No | Yes |  |  | N/A. | Initial |
| 53208210 | xx | xx | Loan Amortization Type | Fixed | ARM |  |  | According to the note agreement amortization type is ARM. | Initial |
| 53208210 | xx | xx | Loan Documentation Type | Unavailable | Full Documentation |  |  | The final application is missing from the loan file | Initial |
| 53208210 | xx | xx | Original Stated Rate | xx.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Updated as per the note agreement. | Initial |
| 53208210 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxCCCCxCCCCCCCCCCCC |  |  | Payment history string is xxxxxxxxxxxx. However; the tape reflects as xxxxxxxCCCCCxCCCCCCCCCCCCC. | Initial |
| 53208210 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | CCCCCCCCCCCCxCCCCxxxxxxx |  |  | Payment history string reversed is xxxxxxxxxxxx. However; the tape reflects as CCCCCCCCCCxCCCCCxxxxxxxx. | Initial |
| 91189554 | xx | xx | Doc Date of Last Modification | xx | xx | -xxxx (Days) |  | Per executed modification agreement in the file. | Initial |
| 91189554 | xx | xx | Interest Only Period? | No | Yes |  |  | Note | Initial |
| 91189554 | xx | xx | Loan Amortization Type | Step | ARM |  |  | Per executed modification agreement in the file. | Initial |
| 91189554 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xxx | -xx.xxxxx% | Per executed modification agreement in the file. | Initial |
| 91189554 | xx | xx | Mod Step 1 Date | x/x/xxxx | x/x/xxxx | -xxxx (Days) |  | Per executed modification agreement in the file. | Initial |
| 91189554 | xx | xx | Mod Step 1 P&I | $xxx.xx | $xxx.xx | $xxx.xx | xx.xxxxx% | Per executed modification agreement in the file. | Initial |
| 91189554 | xx | xx | Mod Step 1 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | Per executed modification agreement in the file. | Initial |
| 91189554 | xx | xx | Mod Step 2 Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Per executed modification agreement in the file. | Initial |
| 91189554 | xx | xx | Mod Step 2 P&I | $xxx.xx | $xxx.xx | $xxx.xx | xx.xxxxx% | Per exPer executed modification agreement in the file. | Initial |
| 91189554 | xx | xx | Mod Step 2 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | Per executed modification agreement in the file. | Initial |
| 91189554 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Note | Initial |
| 91189554 | xx | xx | Payment History String | xxxxxxxxxxxx | FFCFFFFFFFFFFFFFFFFFFFFF |  |  | Legal balance per pay history. | Initial |
| 91189554 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | FFFFFFFFFFFFFFFFFFFCFCFF |  |  | Legal balance per pay history. | Initial |
| 91189554 | xx | xx | Property Address Street | xx | xx |  |  | Note | Initial |
| 91189554 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  |  | Initial |
| 53730176 | xx | xx | Date Application Received by Creditor | xx | xx | -x (Days) |  | Date application received by creditor is xx but tape reflects as xx. | Initial |
| 53730176 | xx | xx | MI And Funding Fee Total Amount | $xxxx.xx | $xx.xx | $xxxx.xx | xxxxx.xxxxx% | MI and funding fee total amount is in the amount of $x,xxx.xx but tape reflects as $xx.xx. | Initial |
| 53730176 | xx | xx | MI Upfront Premium Percent | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | MI upfront premium is x.xxxxx% but tape reflects as x.xxxx%. | Initial |
| 53730176 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original standard CLTV of the loan is xx but tape shows that xx. | Initial |
| 53730176 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original standard LTV of the loan is xx but tape shows that xx. | Initial |
| 53730176 | xx | xx | Post-Close Housing Ratio per 1003 | Unavailable | x.xxx% |  |  | Post close housing ratio per final xxxx is not available and the tape also states the same. | Initial |
| 61082415 | xx | xx | Corporate Advances: Recoverable per Payment History | $x.xx | $-xxxx.xx | $xxxx.xx | -xxx.xxxxx% |  | Initial |
| 61082415 | xx | xx | Deferred Balance Amount | $xxxx.xx | $xxxxx.xx | $-xxxx.xx | -xx.xxxxx% | The loan was not modified. | Initial |
| 61082415 | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  |  | Initial |
| 61082415 | xx | xx | Last Payment Received Date | xx/xx/xxxx | x/xx/xxxx | xxxx (Days) |  | The payment history reflects the Last Payment Received Date as x/xx/xxxx. | Initial |
| 61082415 | xx | xx | Loan Documentation Type | Unavailable | Reduced |  |  |  | Initial |
| 61082415 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xx | -xx.xxxxx% | The Original Note reflects the Loan Maturity Term in Months as xxx. The last Modification added XXX months to the term and the new Term in Months is xxx. | Initial |
| 61082415 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | The Note reflects the Original Stated P&I as xx. | Initial |
| 61082415 | xx | xx | Original Stated Rate | xx.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | The Note reflects the Original Stated Rate as xx.xxxxx%. | Initial |
| 61082415 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxFXX |  |  | The Payment reflects the Payment History String as xxxxxxxxxxxx | Initial |
| 61082415 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | XXFxxxxxxxxx |  |  | The Payment History String reversed is xxxxxxxxxxxx. | Initial |
| 61082415 | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | The note reflects maturity date as xx. | Initial |
| 61082415 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxx.xx | $xxxxx.xx | $-xxx.xx | -x.xxxxx% | As per payment history legal balance is $xx,xxx.xx. | Initial |
| 61082415 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxx.xx | $xxxxx.xx | $-xxx.xx | -x.xxxxx% | The payment history reflect UPB as $xx,xxx.xx | Initial |
| 32252285 | xx | xx | Accrued Interest per Payment History | $xxxx.xx | $xxx.xx | $xxxx.xx | xxx.xxxxx% | Accrued interest as per bankruptcy is $xxxx.xx. | Initial |
| 32252285 | xx | xx | Last Payment Received Date | xx/xx/xxxx | x/x/xxxx | xxxx (Days) |  | The payment history reflects the Last Payment Received Date as x/xx/xxxx. | Initial |
| 32252285 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xxx | -xx.xxxxx% | The Original Note reflects the Loan Maturity Term in Months as xxx. | Initial |
| 32252285 | xx | xx | Original Stated P&I | xx | xx | xx | xxx.xxxxx% | The Note reflects the Original Stated P&I as xx. | Initial |
| 32252285 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | The Note reflects the Original Stated Rate as x.xx%. | Initial |
| 32252285 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxMx |  |  | The Payment reflects the Payment History String as xxxxxxxxxxxx. | Initial |
| 32252285 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xMxxxxxxxxxx |  |  | The Payment History String reversed is xxxxxxxxxxxx. | Initial |
| 32252285 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Purchase |  |  | The Purpose of Transaction according to the HUD is Refinance. | Initial |
| 32252285 | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | The Purpose of Transaction according to the Application is Refinance. | Initial |
| 32252285 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxx.xx | x.xxxxx% | As per review Total Debt / Legal Balance per Payment History is $xxxxxx.xx. | Initial |
| 75826237 | xx | xx | Current Bankruptcy Chapter | Chapter xx | Chapter xx |  |  | Chapter xx is converted to chapter xx. | Initial |
| 75826237 | xx | xx | Did a Modification Change Note Terms? | No | Yes |  |  |  | Initial |
| 75826237 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | No Discrepancies. | Initial |
| 75826237 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Converted to x-x Rating Scale | Initial |
| 75826237 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Converted to x-x Rating Scale | Initial |
| 75826237 | xx | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 75826237 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxxx.xx | $xxxxxxx.xx | $xxxxxxx.xx | xx.xxxxx% |  | Initial |
| 94194444 | xx | xx | Corporate Advances: Recoverable per Payment History | $xxxx.xx | $-xxxx.xx | $xxxxx.xx | -xxx.xxxxx% | The value provided is positive. | Initial |
| 94194444 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  | Lender doesn't required MI certificate ;however, tape data reflects No. | Initial |
| 94194444 | xx | xx | Escrow Balance per Payment History | $x.xx | $-xxxxx.xx | $xxxxx.xx | -xxx.xxxxx% | The payment history does reflect only escrow advance balance. | Initial |
| 94194444 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per payment history, the string is xxxxxxxxxxxxx, however tape data reflects xxxxxxxxxxxxxxx. | Initial |
| 94194444 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per payment history, the reversed string is xxxxxxxxxxxxx, however tape data reflects xxxxxxxxxxxxxx. | Initial |
| 94194444 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxx.xx | $xxxxx.xx | xxx.xxxxx% | As per payment history, total debt is in the amount of $xx,xxx.xx;however, tape data reflects $xx,xxx.xx. | Initial |
| 50710462 | xx | xx | Corporate Advances: Recoverable per Payment History | $xxxxx.xx | $-xxxxx.xx | $xxxxx.xx | -xxx.xxxxx% | Updated per payment history | Initial |
| 50710462 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A | Initial |
| 50710462 | xx | xx | Escrow Balance per Payment History | $xxxxxx.xx | $-xxxxxx.xx | $xxxxxx.xx | -xxx.xxxxx% | Updated per payment history | Initial |
| 50710462 | xx | xx | Loan Documentation Type | Unavailable | Full Documentation |  |  |  | Initial |
| 50710462 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Updated per payment history | Initial |
| 50710462 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Updated per payment history | Initial |
| 50710462 | xx | xx | Purpose of Refinance Per Application | Lower rate or term | Cash Out - Other |  |  | Updated per loan application lower rate or term | Initial |
| 50710462 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | As per HUD-x purpose of transaction is Refinance | Initial |
| 50710462 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxxxx.xx | xx.xxxxx% | Asper payment history total debts are $xxx,xxx.xx. | Initial |
| 82784688 | xx | xx | Borrower First Name | xx | xx |  |  | As per note borrower first name is xx however tape data shows Estate of xx. | Initial |
| 82784688 | xx | xx | Corporate Advances: Recoverable per Payment History | $xxxx.xx | $-xxxx.xx | $xxxx.xx | -xxx.xxxxx% | Corporate advances get entered as a positive number. | Initial |
| 82784688 | xx | xx | Escrow Balance per Payment History | $x.xx | $-xxxxx.xx | $xxxxx.xx | -xxx.xxxxx% | Escrow balance is negative $xx,xxx.xx therefore gets entered as a positive escrow advance balance. | Initial |
| 82784688 | xx | xx | Loan Documentation Type | Unavailable | Full Documentation |  |  | Application is missing from the loan file however tape data shows Full Documentation. | Initial |
| 82784688 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per payment history payment string is xxxxxxxxxxxx however tape data shows xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 82784688 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per payment history payment reversed string is xxxxxxxxxxxx however tape data shows xxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 82784688 | xx | xx | Property Address Street | xx | xx |  |  | No Discrepancies. | Initial |
| 82784688 | xx | xx | Purpose of Refinance Per Application | Unavailable | Lower rate or term |  |  | Application is missing from the loan file however tape data shows purpose of refinance per application is Lower rate or term. | Initial |
| 82784688 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxx.xx | $xxxxxx.xx | xxx.xxxxx% | As per payment history total debt is $xxx,xxx.xx however tape data shows $xx,xxx.xx. | Initial |
| 5417178 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | As per the PACER, the borrower has filed bankruptcy. | Initial |
| 5417178 | xx | xx | Current Occupancy | Occupied by Unknown Party | Owner (or Former): Primary Home |  |  | As per Property Inspection Report on xx, the property is occupied by the unknown party. | Initial |
| 5417178 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 5417178 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the payment history string as xxxxxxxxxxxx. | Initial |
| 5417178 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the payment history string Reversed as xxxxxxxxxxxx. | Initial |
| 5417178 | xx | xx | Periodic Rate Change Cap Down | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | As per ARM Note, Periodic Pay Adjustment Cap Percentage is x.xxx%. | Initial |
| 5417178 | xx | xx | Rate Adjustment Subsequent Cap Percent | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | As per ARM Note, Rate Adjustment Subsequent Cap Percentage is x.xxx%. | Initial |
| 5417178 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxxxx.xx | xx.xxxxx% | As per payment history, Total Debt / Legal Balance per payment history is given in the amount of $xxx,xxx.xx. | Initial |
| 39963388 | xx | xx | Current Occupancy | Occupied by Unknown Party | Owner (or Former): Primary Home |  |  | According to the property inspection the Current Occupancy is Occupied by an Unknown Party. | Initial |
| 39963388 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | No discrepancy | Initial |
| 39963388 | xx | xx | Escrow Balance per Payment History | $x.xx | $-xxxxx.xx | $xxxxx.xx | -xxx.xxxxx% | Escrow Advance Balance per Payment History is $x.xx. | Initial |
| 39963388 | xx | xx | Loan Amortization Type | Step | Fixed |  |  | The Modification reflects the Loan Amortization Type as Step. The Original Note Amortization type was Fixed. | Initial |
| 39963388 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The Payment reflects the Payment History String as xxxxxxxxxxxx. | Initial |
| 39963388 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The Payment History String reversed is xxxxxxxxxxxx. | Initial |
| 39963388 | xx | xx | Purpose of Refinance Per Application | Cash Out - Other | Lower rate or term |  |  | The Application reflects the Purpose as Cash Out - Other. | Initial |
| 39963388 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxxx.xx | xx.xxxxx% | Total Debt / Legal Balance per Payment History is $xxx,xxx.xx. | Initial |
| 46614679 | xx | xx | Current Bankruptcy Post Petition Due Date | Unavailable | xx |  |  | The post petition date is not available. | Initial |
| 46614679 | xx | xx | Current Foreclosure Status | Judgment Entered | Sale Publication |  |  | The current foreclosure status is judgment entered. However tape shows that it is sale publication. | Initial |
| 46614679 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The pay history string is xxxxxxxxxxxx. However the tape shows that it is xxxxxxxxxxxxxxx. | Initial |
| 46614679 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The pay history string reversal is xxxxxxxxxxxx. However the tape shows that it is xxxxxxxxxxxxxxx. | Initial |
| 46614679 | xx | xx | Property Address Street | xx | xx |  |  | The property address street is xx. However the tape shows that it is xx. | Initial |
| 46614679 | xx | xx | Referral Date | x/xx/xxxx | x/x/xxxx | -xxxx (Days) |  | The foreclosure referral date is x/xx/xxxxx. However the tape shows that it is x/x/xxxx. | Initial |
| 46614679 | xx | xx | Subject Property Type | PUD | Single Family |  |  | The subject property type is PUD. However the tape shows that it is Single family. | Initial |
| 46614679 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxxxx.xx | xx.xxxxx% | The total debt is $xxx,xxx.xx. However the tape shows that it is $xxx,xxx.xx. | Initial |
| 99421435 | xx | xx | Current Foreclosure Status | Not Applicable | Sale Publication |  |  | No active foreclosure. | Initial |
| 99421435 | xx | xx | Currently in Foreclosure? | No | Yes |  |  | No active foreclosure. | Initial |
| 99421435 | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Loan is modified on xx. | Initial |
| 99421435 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Updated as per payment history. | Initial |
| 99421435 | xx | xx | Loan Amortization Type | Step | Fixed |  |  | MOD is step. | Initial |
| 99421435 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Updated as per payment history. | Initial |
| 99421435 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Updated as per payment history. | Initial |
| 99421435 | xx | xx | Referral Date | Not Applicable | xx/xx/xxxx |  |  | Currently the loan is not active foreclosure. | Initial |
| 99421435 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxxx.xx | -x.xxxxx% | Updated as per payment history. | Initial |
| 24366946 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | The review of the foreclosure documents reveals that the loan was in foreclosure. | Initial |
| 24366946 | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | As per the modification agreement, loan was modified. | Initial |
| 24366946 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | As this is a conventional loan and LTV is xx, MI is not required. | Initial |
| 24366946 | xx | xx | Escrow Balance per Payment History | $x.xx | $-xxxxx.xx | $xxxxx.xx | -xxx.xxxxx% | As per the leatest payment history, the escrow balance is $x. | Initial |
| 24366946 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The pay history string is xxxxxxxxxxxx. However the tape shows that it is xxxxxxxxxxxxxxxxxxx. | Initial |
| 24366946 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The pay history string reversal is xxxxxxxxxxxx. However the tape shows that it is xxxxxxxxxxxxxxxxxxx. | Initial |
| 24366946 | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | The stated maturity date is xx. However the tape shows that it is xx. | Initial |
| 24366946 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxx.xx | $xxxxx.xx | xxx.xxxxx% | The total debt $xxx,xxx.xx. However the tape shows that it is $xx,xxx.xx. | Initial |
| 7239882 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | As per the PACER report, the borrower filed bankruptcy. Tape reflects as No. | Initial |
| 7239882 | xx | xx | Current Foreclosure Status | Service Completed | Judgment Entered |  |  | As per the collection comments, the foreclosure status was service completed. Tape reflects as Judgment Entered. | Initial |
| 7239882 | xx | xx | Loan Documentation Type | Unavailable | Full Documentation |  |  |  | Initial |
| 7239882 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the review of the payment history, the string is xxxxxxxxxxxx. | Initial |
| 7239882 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the review of the payment history, the string reversed is xxxxxxxxxxxx. | Initial |
| 7239882 | xx | xx | Subject Property Type | Low Rise Condo (x-x Stories) | Single Family |  |  | Appraisal is missig from the loan file. | Initial |
| 7239882 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxx.xx | x.xxxxx% | As per the payment history, the total debt is $xxx,xxx.xx. Tape reflects as $xxx,xxx.xx. | Initial |
| 54221748 | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | The modification agreement was made on xx. | Initial |
| 54221748 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | The loan LTV at origination was xx and the Lender did not require MI according to the Appraisal report. | Initial |
| 54221748 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the payment history string as xxxxxxxxxxxx. | Initial |
| 54221748 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the payment history string reversed as xxxxxxxxxxxxx. | Initial |
| 54221748 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxx.xx | $xxxxx.xx | $xxxx.xx | x.xxxxx% | As per payment history, Total Debt / Legal Balance per payment history is given in the amount of $xx,xxx.xx. | Initial |
| 79279920 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  | Initial |
| 79279920 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  | Initial |
| 79279920 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxxx.xx | xx.xxxxx% |  | Initial |
| 47329965 | xx | xx | Deferred Balance Amount | Not Applicable | $xxxx.xx |  |  | The loan has a deferent agreement. | Initial |
| 47329965 | xx | xx | Did a Modification Change Note Terms? | No | Yes |  |  |  | Initial |
| 47329965 | xx | xx | Doc Date of Last Modification | Not Applicable | xx |  |  |  | Initial |
| 47329965 | xx | xx | Escrow Balance per Payment History | $x.xx | $-xxx.xx | $xxx.xx | -xxx.xxxxx% | N/A. | Initial |
| 47329965 | xx | xx | Loan Documentation Type | Unavailable | Full Documentation |  |  |  | Initial |
| 47329965 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | x.xxxxx% | Per note the loan amount is xx. | Initial |
| 47329965 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxx |  |  | The payment string is xxxxxxxxxxxx. | Initial |
| 47329965 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxx |  |  | The payment string is xxxxxxxxxxxx. | Initial |
| 47329965 | xx | xx | Purpose of Refinance Per Application | Unavailable | Cash Out - Other |  |  | N/A. | Initial |
| 47329965 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxx.xx | $xxxxx.xx | $xxxx.xx | xx.xxxxx% | The total debt is xx,xxx.xx. | Initial |
| 20389014 | xx | xx | Current Foreclosure Status | Referred to Attorney | Awaiting Sale |  |  |  | Initial |
| 20389014 | xx | xx | Deferred Balance Amount | $xxxx.xx | $xxxx.xx | $xxx.xx | xx.xxxxx% | The deferred balance on the modification was $xxxx.xx | Initial |
| 20389014 | xx | xx | Loan Documentation Type | Unavailable | Full Documentation |  |  |  | Initial |
| 20389014 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | x.xxxxx% | The amount on the note is xx | Initial |
| 20389014 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxx |  |  |  | Initial |
| 20389014 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxx |  |  |  | Initial |
| 20389014 | xx | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 20389014 | xx | xx | Purpose of Refinance Per Application | Unavailable | Cash Out - Other |  |  |  | Initial |
| 20389014 | xx | xx | Stated Maturity Date | xx | xx | -xxx (Days) |  | This is the maturity date stated. The modification does not state that the loan was extended. | Initial |
| 20389014 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxx.xx | x.xxxxx% | THis information is based on the tape. The payment history does not give a breakdown. | Initial |
| 19162608 | xx | xx | ARM Index Type | Unavailable | LIBOR - One Year WSJ |  |  |  | Initial |
| 19162608 | xx | xx | Doc Date of Last Modification | Not Applicable | xx |  |  | Loan modification agreement is missing from the loan file. | Initial |
| 19162608 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A | Initial |
| 19162608 | xx | xx | First Rate Change Date | x/x/xxxx | xx/x/xxxx | xx (Days) |  | First rate change date is x/x/xxxx. however, tape data shows x/x/xxxx. | Initial |
| 19162608 | xx | xx | Loan Amortization Type | Unavailable | ARM |  |  | Loan modification agreement is missing from the loan file. | Initial |
| 19162608 | xx | xx | Loan Documentation Type | Unavailable | Reduced |  |  |  | Initial |
| 19162608 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxx |  |  | As per latest payment history string is xxxxxxxxxxxx. However, tape data shows xxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 19162608 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxx |  |  | As per latest payment history string reversed is xxxxxxxxxxxx. However, tape data shows xxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 19162608 | xx | xx | Purpose of Refinance Per Application | Unavailable | Lower rate or term |  |  | Final application is missing from the loan file. | Initial |
| 19162608 | xx | xx | Referral Date | x/x/xxxx | x/x/xxxx | x (Days) |  | Referral date is x/x/xxxx. however, tape data shows x/x/xxxx. | Initial |
| 19162608 | xx | xx | Stated Maturity Date | Unavailable | xx |  |  | Loan modification agreement is missing from the loan file. | Initial |
| 19162608 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxxx.xx | xx.xxxxx% | Total debt/legal balance is $xxx,xxx.xx. however, tape data shows $xxx,xxx.xx. | Initial |
| 63280678 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | The loan was modified since origination on xx. | Initial |
| 63280678 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  |  | Initial |
| 63280678 | xx | xx | Loan Documentation Type | Unavailable | Alternative |  |  |  | Initial |
| 63280678 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxx |  |  | The Payment reflects the Payment History String as xxxxxxxxxxxx. | Initial |
| 63280678 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxx |  |  | The Payment History String reversed is xxxxxxxxxxxx. | Initial |
| 63280678 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxx.xx | $xxxxx.xx | $xxxxx.xx | xx.xxxxx% | Total Debt / Legal Balance per Payment History for the amount of $xx,xxx.xx. | Initial |
| 85660488 | xx | xx | Loan Documentation Type | Unavailable | Full Documentation |  |  |  | Initial |
| 85660488 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | xx.xxxxx% | As per Note loan amount is xx | Initial |
| 85660488 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxx |  |  | payment history string reversed is xxxxxxxxxxxx | Initial |
| 85660488 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxx |  |  | payment history string reversed is xxxxxxxxxxxx | Initial |
| 85660488 | xx | xx | Property Address Street | xx | xx |  |  | N/A | Initial |
| 85660488 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxx.xx | $xxxxx.xx | $xxxxx.xx | xx.xxxxx% | N/A | Initial |
| 12049549 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  | The MI certificate is required because LTV and CLTV exceeds xx. | Initial |
| 12049549 | xx | xx | Interest Only Period? | Yes | No |  |  | Interest only period is yes, tape shows No | Initial |
| 12049549 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | -x.xxxxx% | The Original Balance reflects as xx. | Initial |
| 12049549 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxx |  |  | The Payment reflects the Payment History String as xxxxxxxxxxxx. | Initial |
| 12049549 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxx |  |  | The Payment History String reversed is xxxxxxxxxxxx. | Initial |
| 12049549 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx, tape shows xx | Initial |
| 12049549 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxxx.xx | x.xxxxx% | Total Debt / Legal Balance per Payment History for the amount of $xxx,xxx.xx. | Initial |
| 48677946 | xx | xx | Doc Date of Last Modification | xx | xx | xx (Days) |  | The Date of the last Modification was the MOD effective date xf xx. The MOD was signed on xx. | Initial |
| 48677946 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Mortgage Insurance is answered 'No', cell is also frozen. The Lender does not require MI due to low LTV. | Initial |
| 48677946 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The Payment History String is based on the most recent xx months. | Initial |
| 48677946 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The Payment History String is based on the most recent xx months. | Initial |
| 48677946 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxx.xx | $xxxxx.xx | $-xxx.xx | -x.xxxxx% | The difference between the Data figure of $xx,xxx.xx and the Audit figure of $xx,xxx,xx is the Escrows of $xxxx.xx less Corporate Advance of $xxxx.xx. | Initial |
| 58052412 | xx | xx | Current Foreclosure Status | Referred to Attorney | Judgment Entered |  |  | The foreclosure was initiated in xx and the file was referred to an attorney on xx. However, the tape reflecting it as Judgment entered. | Initial |
| 58052412 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | The document date of modification is xx; however, the tape reflects it as xx. | Initial |
| 58052412 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Lender does not require MI. | Initial |
| 58052412 | xx | xx | Escrow Balance per Payment History | $x.xx | $-xxxxx.xx | $xxxxx.xx | -xxx.xxxxx% | The escrow balance is $x.xx as per payment history; however, the tape reflects it as $-xx,xxx.xx. | Initial |
| 58052412 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | According to the payment history, the string is xxxxxxxxxxxx; however, the tape reflects it as xxxxxxxxxxxx. | Initial |
| 58052412 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | According to the payment history, the reversed string is xxxxxxxxxxxx; however, the tape reflects it as xxxxxxxxxxxx. | Initial |
| 58052412 | xx | xx | Purpose of Refinance Per Application | Change in Rate/Term | Lower rate or term |  |  | Purpose of refinance per application is Change in rate; however, the tape reflects it as Lower rate or term. | Initial |
| 58052412 | xx | xx | Subject Property Type | Single Family | x Family |  |  | According to the appraisal report, the subject property is Single family; ; however, the tape reflects it as x family. | Initial |
| 58052412 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxxx.xx | x.xxxxx% | The total debt is $xxx,xxx.xx as per payment history; however, the tape reflects it as $xxx,xxx.xx.. | Initial |
| 27714665 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | As per collection comment the mod is occurred and denied but in loan files the mod document is missing. | Initial |
| 27714665 | xx | xx | Payment History String | xxxxxxxxxxMMM | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per payment history the payment history string is xxxxxxxxxMMM :However tape reflects as xxxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 27714665 | xx | xx | Payment History String Reversed | MMMxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per payment history the payment history string reversed is MMMxxxxxxxxx : However tape reflects as xxxxxxxxxxxxxxxxxxxxxxxxx. | Initial |
| 27714665 | xx | xx | Purpose of Refinance Per Application | Limited Cash Out (GSE definition) | Lower rate or term |  |  | As per application the purpose of refinance is Limited Cash Out : However tape reflects as Lower rate or term. | Initial |
| 27714665 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxxx.xx | xx.xxxxx% | As per payment history the Total Debt/Legal Balance is $xxx,xxx.xx : However tape reflects as $xxx,xxx.xx. | Initial |
| 4843187 | xx | xx | Current Legal Status | Bankruptcy | Collections, xx-xxx Days |  |  | Loan is in active bankruptcy but tape shows it's in collections. | Initial |
| 4843187 | xx | xx | Currently in Foreclosure? | No | Yes |  |  |  | Initial |
| 4843187 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | Original CLTV ratio percentage is xx, tape shows xx | Initial |
| 4843187 | xx | xx | Original Note Doc Date | xx | xx | -xx (Days) |  | Original note date is xx, tape shows xx | Initial |
| 4843187 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original LTV/CLTV ratio percentage is xx, tape shows xx | Initial |
| 4843187 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | Payment string as per pay history is xxxxxxxxxxxx however tape data shows xxxxxxxxxxxxx | Initial |
| 4843187 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | Payment string as per pay history is xxxxxxxxxxxx however tape data shows xxxxxxxxxxxxx | Initial |
| 4843187 | xx | xx | Referral Date | Not Applicable | xx/x/xxxx |  |  |  | Initial |
| 91602793 | xx | xx | Current Legal Status | Collections | Performing |  |  | Current Legal Status collections. However, the tape data reflects Performing. | Initial |
| 91602793 | xx | xx | Doc Date of Last Modification | xx | xx | xx (Days) |  | The loan was modified on xx. | Initial |
| 91602793 | xx | xx | Last Payment Received Date | xx/xx/xxxx | x/xx/xxxx | xxxx (Days) |  | Last Payment Received Date is x/x/xxxx. However, the tape data reflects x/xx/xxxx. | Initial |
| 91602793 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | Original Stated P&I is xx. However, the tape data reflects xx. | Initial |
| 91602793 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Purchase |  |  | Purpose of Transaction per HUD-x is Cash Out. however, the tape data reflects Purchase. | Initial |
| 91602793 | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Purpose Per Application is Refinance. however, the tape data Purchase. | Initial |
| 91602793 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxxx.xx | -x.xxxxx% | Total Debt/ Legal Balance per Payment History is $xxx,xxx.xx. however, the tape data reflects $xxx,xxx.xx. | Initial |
| 37936527 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | The borrower xx had filed bankruptcy under Chapter x with the case# xx on xx | Initial |
| 37936527 | xx | xx | Doc Date of Last Modification | xx | xx | x (Days) |  | The last modification date was xx. | Initial |
| 37936527 | xx | xx | Last Payment Received Date | x/x/xxxx | x/xx/xxxx | xxxx (Days) |  | As per Payment history, last payment received date is xx/xx/xxxx. | Initial |
| 37936527 | xx | xx | Original Appraisal Date | xx | xx | -xxxx (Days) |  | Tape data reflects, appraised date after origination. | Initial |
| 37936527 | xx | xx | Original Appraised Value | xx | xx | xx | -xx.xxxxx% | Appraisal report is missing. Hence, appraised value updated as per Note. | Initial |
| 37936527 | xx | xx | Original Stated P&I | Unavailable | xx |  |  | Tape data reflects Modified P&I. Original P&I is unable to determine. | Initial |
| 37936527 | xx | xx | Property Address Street | xx | xx |  |  | As per Note, property street address is xx. | Initial |
| 37936527 | xx | xx | Purpose of Refinance Per Application | Cash Out - Other | Lower rate or term |  |  | As per Application purpose of refinance is Cash Out-Other. | Initial |
| 37936527 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | The purpose of tranaction is Cash-Out. | Initial |
| 37936527 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxx.xx | x.xxxxx% | As per Payment history, total debt/ Legal balance is $xxx,xxx.xx. | Initial |
| 10205761 | xx | xx | Last Payment Received Date | x/xx/xxxx | x/xx/xxxx | -xx (Days) |  | The payment history reflects the Last Payment Received Date as x/xx/xxxx. | Initial |
| 10205761 | xx | xx | Mod Maturity Date | Not Applicable | xx |  |  | Information updated as per available documents. | Initial |
| 10205761 | xx | xx | Property Address Street | xx | xx |  |  | The Note reflects the Subject Property Address Street as: xx | Initial |
| 10205761 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxx.xx | -x.xxxxx% | Information updated as per available documents. | Initial |
| 66363601 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | The latest loan modification was effective xx. | Initial |
| 66363601 | xx | xx | Escrow Balance per Payment History | $x.xx | $-xxxx.xx | $xxxx.xx | -xxx.xxxxx% | Escrow Balance when a negative number gets entered as a positive Escrow Advance Balance. | Initial |
| 66363601 | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | There is no neg am potential. No discrepancy. | Initial |
| 66363601 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | The origional note doc date as per the note is xx. | Initial |
| 66363601 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the payment history , the payment history string is xxxxxxxxxxxx. | Initial |
| 66363601 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the payment history , the payment history string reversed is xxxxxxxxxxxx. | Initial |
| 66363601 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | The Final executed HUDx settlement statement reflects numbers illegible as the first page has blured image. | Initial |
| 32611490 | xx | xx | Borrower First Name | xx | xx |  |  | The Note reflects the Borrower's First Name as xx. He is deceased. | Initial |
| 32611490 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | According to the collection comment, the loan was in Foreclosure post origination. | Initial |
| 32611490 | xx | xx | Deferred Balance Amount | $xxxx.xx | $xxxx.xx | $-xxx.xx | -x.xxxxx% | Deferred balance amount per modification is $x,xxx.xx however the tape reflects the total deferred balance as $x,xxx.xx. It appears there may have been x or x months deferred payments as well as the modification. | Initial |
| 32611490 | xx | xx | Doc Date of Last Modification | xx | xx | -x (Days) |  | The Document Effective Date of the Last Modification is xx. | Initial |
| 32611490 | xx | xx | Escrow Balance per Payment History | $xxx.xx | $xxx.xx | $-xx.xx | -x.xxxxx% | Escrow Balance per Payment History is $xxx.xx. | Initial |
| 32611490 | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | The loan does not have any neg. am. potential. No Discrepancy. | Initial |
| 32611490 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | The Loan amount as per Note is xx and the Appraised value is xx. The CLTV is calculating as xx. | Initial |
| 32611490 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | The Loan amount as per Note is xx and the Appraised value is xx. The LTV is calculated as xx. | Initial |
| 32611490 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The Payment reflects the Payment History String as xxxxxxxxxxxx. | Initial |
| 32611490 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The Payment History String reversed is xxxxxxxxxxxx. | Initial |
| 32611490 | xx | xx | Property Address Street | xx | xx |  |  | The Note reflects the Subject Property Address Street as xx. The subject was a purchase transaction with a manufactured home being placed on land. The address per the Mortgage that also includes the manufactured home is xx. | Initial |
| 32611490 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxx.xx | $xxxxx.xx | $-xx.xx | -x.xxxxx% | Unpaid Current Principal Balance (UPB) per Payment History is $xx,xxx.xx. | Initial |
| 73113247 | xx | xx | Balloon Indicator | Yes | No |  |  | As per Note Document Loan contains balloon provision. | Initial |
| 73113247 | xx | xx | Deferred Balance Amount | $xxxxx.xx | $xxxxx.xx | $-xxxx.xx | -x.xxxxx% | As per Modification Document deferred principal balance is $xx,xxx.xx. | Initial |
| 73113247 | xx | xx | Deferred Principal (Modification) per Payment History | $xxxxx.xx | $xxxxx.xx | $-xxxx.xx | -x.xxxxx% | As per Modification Document deferred principal balance is $xx,xxx.xx. | Initial |
| 73113247 | xx | xx | Doc Date of Last Modification | xx | xx | -xxxx (Days) |  | As per modification document last modified date is xx. | Initial |
| 73113247 | xx | xx | Escrow Balance per Payment History | $xxx.xx | $-xx.xx | $xxx.xx | -xxx.xxxxx% | Value is updated as per payment history. | Initial |
| 73113247 | xx | xx | Interest Only Term Months Count | Not Applicable | xx |  |  | As per Note Document Loan was originated with the fixed interest rate. | Initial |
| 73113247 | xx | xx | Mod Step Indicator | No | Yes |  |  | As per Modification Document loan was fixed interest rate. | Initial |
| 73113247 | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | As per Note Document Loan was originated with the fixed interest rate. | Initial |
| 73113247 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The Payment reflects the Payment History String as xxxxxxxxxxxx. | Initial |
| 73113247 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The Payment History String reversed is xxxxxxxxxxxx. | Initial |
| 73113247 | xx | xx | Property Address Street | xx | xx |  |  | As per Note document property address street is xx. | Initial |
| 73113247 | xx | xx | Stated Maturity Date | xx | xx | -xxxx (Days) |  | As per Note Document Maturity date is xx. | Initial |
| 79340806 | xx | xx | Current Legal Status | Collections | Collections, xx-xxx Days |  |  | Current legal status is Collection. | Initial |
| 79340806 | xx | xx | Deferred Balance Amount | $xxxx.xx | $xxxx.xx | $xxx.xx | xx.xxxxx% | Deferred balance amount is $xxxx.xx. | Initial |
| 79340806 | xx | xx | Deferred Principal (Modification) per Payment History | $xxxx.xx | $xxxx.xx | $xxx.xx | xx.xxxxx% | Deferred balance amount is $xxxx.xx. | Initial |
| 79340806 | xx | xx | Escrow Balance per Payment History | $x.xx | $-xxxx.xx | $xxxx.xx | -xxx.xxxxx% | Escrow balance is $x.xx. | Initial |
| 79340806 | xx | xx | Loan Amortization Type | Step | Fixed |  |  | Loan amortization type is step. | Initial |
| 79340806 | xx | xx | Mod Step 1 Date | x/xx/xxxx | x/xx/xxxx | -xxxx (Days) |  | Mod step x date is x/xx/xxxx. | Initial |
| 79340806 | xx | xx | Mod Step 1 P&I | $xxx.xx | $xxx.xx | $-xx.xx | -xx.xxxxx% | Mod step P&I is $xxx.xx. | Initial |
| 79340806 | xx | xx | Mod Step 1 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | Mod step x rate is x.xxx%. | Initial |
| 79340806 | xx | xx | Mod Step 2 Date | x/xx/xxxx | x/xx/xxxx | -xxx (Days) |  | Mod step x date is x/xx/xxxx. | Initial |
| 79340806 | xx | xx | Mod Step 2 P&I | $xxx.xx | $xxx.xx | $-xx.xx | -xx.xxxxx% | Mod step x P&I is $xxx.xx. | Initial |
| 79340806 | xx | xx | Mod Step 2 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | Mod step x rate is x.xxx%. | Initial |
| 79340806 | xx | xx | Mod Step 3 Date | x/xx/xxxx | x/xx/xxxx | -xxx (Days) |  | Mod step x date x/xx/xxxx. | Initial |
| 79340806 | xx | xx | Mod Step 3 P&I | $xxx.xx | $xxx.xx | $-xx.xx | -x.xxxxx% | Mod step x P&I is $xxx.xx. | Initial |
| 79340806 | xx | xx | Mod Step 3 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | Mod step x rate is x.xxx%. | Initial |
| 79340806 | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | No discrepancy. | Initial |
| 79340806 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The payment history string is xxxxxxxxxxxx. | Initial |
| 79340806 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The payment history string reversed is xxxxxxxxxxxx. | Initial |
| 79340806 | xx | xx | Sales Price (HUD-1 Line 101) | Not Applicable | xx |  |  | As per HUD-x, the purpose of transaction is refinance. | Initial |
| 79340806 | xx | xx | Stated Maturity Date | xx | xx | xx (Days) |  | Stated maturity date is xx. | Initial |
| 79340806 | xx | xx | Subject Property Type | Single Family | PUD |  |  | Subject property type is Single family. | Initial |
| 79340806 | xx | xx | Suspense Balance per Payment History | $xxx.xx | $xx.xx | $xxx.xx | xxx.xxxxx% | Suspense balance is $xxx.xx. | Initial |
| 79340806 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxx.xx | $xxxxx.xx | $-xx.xx | -x.xxxxx% | Unpaid current principal balance is $xx,xxx.xx. | Initial |
| 78401450 | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | As per review, the age of the loan is xxx. | Initial |
| 78401450 | xx | xx | Current Legal Status | Bankruptcy | Performing |  |  | The loan is currently under Bankruptcy. | Initial |
| 78401450 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | As per review, the foreclosure was initiated. | Initial |
| 78401450 | xx | xx | Modification Stated Term | xxx | xxx | -xxx | -xx.xxxxx% | As per review, the modification terms are xxx. | Initial |
| 78401450 | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | As per note, the loan amortization type is fixed so the neg amort potential is not applicable. | Initial |
| 78401450 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxx |  |  | The Payment reflects the Payment History String as xxxxxxxxxxx. | Initial |
| 78401450 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxx' |  |  | The Payment History String reversed is xxxxxxxxxxx. | Initial |
| 78401450 | xx | xx | Post-Close DTI per 1003 | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | As per final xxxx review, the DTI is xx.xxx%. | Initial |
| 78401450 | xx | xx | Property Address Street | xx | xx |  |  | The Note reflects the Subject Property Address as: xx. | Initial |
| 78401450 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | The Purpose of Transaction according to the HUD is cash out. | Initial |
| 78401450 | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | As per mod agreement, the mod maturity date is xx. | Initial |
| 95787313 | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | As of review date, the age of loan is xxx months. | Initial |
| 95787313 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | The borrower had filed the bankruptcy ion xx. | Initial |
| 95787313 | xx | xx | Modification Stated Term | xxx | xxx | -xxx | -xx.xxxxx% | As per mod, the stated term is xxx months. | Initial |
| 95787313 | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | N/A. | Initial |
| 95787313 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxx |  |  | As per payment history, the reversed payment string is xxxxxxxx. | Initial |
| 95787313 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxx' |  |  | As per payment history, the payment string is xxxxxxxx. | Initial |
| 95787313 | xx | xx | Post-Close DTI per 1003 | xx.xxx% | xx.xxx% | xx.xxx% | xx.xxxxx% | As per xxxx, the post-close DTI is xx.xxx%. | Initial |
| 95787313 | xx | xx | Property Address Street | xx | xx |  |  | As per note, the property address is xx. | Initial |
| 95787313 | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | The loan was modified with new maturity date xx. | Initial |
| 79840105 | xx | xx | Age of Loan | xxx | xxx | -x | -x.xxxxx% | As per note Age of loan is xxx;however, tape data reflects xxx. | Initial |
| 79840105 | xx | xx | Modification Stated Term | xxx | xxx | -xx | -xx.xxxxx% | As per Modification agreement modification stated term is xxx;however tape data reflects xxx. | Initial |
| 79840105 | xx | xx | Mtg Insurance Doc Status MI Cert in File? | No | Yes |  |  | PMI certificate is missing from the loan file. | Initial |
| 79840105 | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | The loan is conventional fixed. | Initial |
| 79840105 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxx |  |  | As per payment history, the string is xxxxxxxxx; however tape data reflects xxxxxxxxxxxxxxxx. | Initial |
| 79840105 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxx' |  |  | As per payment history, the reversed string is xxxxxxxxxxx; however tape data reflects xxxxxxxxxxxxxxxx. | Initial |
| 79840105 | xx | xx | Post-Close DTI per 1003 | xx.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | As per Final xxxx post DTI is xx.xxx%;however tape data reflects xx.xxx%. | Initial |
| 79840105 | xx | xx | Property Address Street | xx | xx |  |  | As per note, property address street xx;however, tape data reflects xx. | Initial |
| 79840105 | xx | xx | Purpose of Refinance Per Application | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | As per final xxxx purpose of refinancing is a Limited Cash out; however, tape data reflects Change in Rate/ Term. | Initial |
| 79840105 | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | As per Modification agreement maturity date is xx;however, tape data reflects xx. | Initial |
| 35074983 | xx | xx | Amortization Term Months (CE, S&P) | xxx | xxx | -xxx | -xx.xxxxx% | Amortized term months xxx. | Initial |
| 35074983 | xx | xx | Amortized Term (Calculated) | Unavailable | xxx |  |  | Amortized term is Unavailable. | Initial |
| 35074983 | xx | xx | Current Foreclosure Status | Awaiting Sale | Complaint Filed |  |  | Current foreclosure status is awaiting sale. | Initial |
| 35074983 | xx | xx | Current Legal Status | Bankruptcy | Foreclosure |  |  | Current legal status. | Initial |
| 35074983 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Original stated rate x.xxxx%. | Initial |
| 35074983 | xx | xx | Payment History String | xxxxxxxxxxxx | FFFFFFFFFFFFFFFFFFFFFFFF |  |  | The payment history string is xxxxxxxxxxxx. | Initial |
| 35074983 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | FFFFFFFFFFFFFFFFFFFFFFFF |  |  | The payment history string reversed is xxxxxxxxxxxx. | Initial |
| 35074983 | xx | xx | Property Address Street | xx | xx |  |  | No discrepancies. | Initial |
| 35074983 | xx | xx | Suspense Balance per Payment History | $xxx.xx | $xxx.xx | $-xxx.xx | -xx.xxxxx% | Suspense balance is $xxx.xx. | Initial |
| 35074983 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxx.xx | -x.xxxxx% | Unpaid current principal balance is $xxx,xxx.xx. | Initial |
| 6601110 | xx | xx | Modification First Payment Date | x/x/xxxx | x/x/xxxx | -xx (Days) |  | Modification First Payment Date as per the tape data is x/x/xxxx and as per the actual provided to us is x/x/xxxx | Initial |
| 6601110 | xx | xx | Payment History String | xxxxxxxxxxxx | baxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String Reversed as per the tape data is baxxxxxxxxxxxxxxxxxxxxxx and as per the actual provided to us is xxxxxxxxxxxx | Initial |
| 6601110 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxab |  |  | Payment History String Reversed as per the tape data is xxxxxxxxxxxxxxxxxxxxxxab and as per the actual provided to us is xxxxxxxxxxxx | Initial |
| 2898967 | xx | xx | Loan Documentation Type | Full Documentation | No Documentation |  |  | Loan documentation type is full. | Initial |
| 2898967 | xx | xx | Mailing Address City | xx | xx |  |  | mailing address city is xx. | Initial |
| 2898967 | xx | xx | Mailing Address Street | xx | xx |  |  | mailing address street is xx. | Initial |
| 2898967 | xx | xx | Mailing Address Zip Code | xx | xx |  |  | mailing zip code is xx. | Initial |
| 2898967 | xx | xx | Mod Maturity Date | Not Applicable | xx |  |  |  | Initial |
| 2898967 | xx | xx | Payment History String | xxxxxxxxxxxx | dcbaabaxxxxxxxxxxxxxxxxx |  |  | The payment history string is xxxxxxxxxxxx. | Initial |
| 2898967 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxabbabcd |  |  | The payment history string reversed is xxxxxxxxxxxx. | Initial |
| 2898967 | xx | xx | Rate Adjustment Initial Cap Percent | x.xxx% | x.xxx% | x.xxx% | x.xxxxx% | Rate adjustment initial cap percent is x.xxx%. | Initial |
| 25380964 | xx | xx | Mailing Address Street | xx | xx |  |  | The mailing address street is xx. | Initial |
| 25380964 | xx | xx | Payment History String | xxxxxxxxxxxx | jihggffedcbaxxxxxxxxxxxx |  |  | The Payment reflects the Payment History String as xxxxxxxxxxxx. | Initial |
| 25380964 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxabcdeffhghij |  |  | The Payment History String reversed is xxxxxxxxxxxx. | Initial |
| 25380964 | xx | xx | Property Address Street | xx | xx |  |  | As per note, the property address is xx. | Initial |
| 25380964 | xx | xx | Purpose of Refinance Per Application | Debt consolidation | Cash Out - Other |  |  | The Application reflects the Purpose of Refinance as debt consolidation.. | Initial |
| 35368715 | xx | xx | Current Servicer (Enumerated) | \* Other / Not In List \* | xx |  |  | As per payment history, the current seriver is Other;however tape data reflects xx. | Initial |
| 35368715 | xx | xx | Loan Documentation Type | Unavailable | Full Documentation |  |  |  | Initial |
| 35368715 | xx | xx | Mailing Address Street | xx | xx |  |  | As per note mailing address street is xx;however, tape data reflects xx. | Initial |
| 35368715 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | As per Appraisal report, CLTV ratio is xx;however tape data reflects xx | Initial |
| 35368715 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | As per Appraisal report, LTV is xx;however tape data reflects xx | Initial |
| 35368715 | xx | xx | Payment History String | xxxxxxxxxxxx | cbbaxxxaabbbdcccccdcdded |  |  | As per payment history, the string is xxxxxxxxxxxxx; however, tape data reflect cbbaxxxaabbsccc. | Initial |
| 35368715 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | deddcdcccdcdbbbaaxxbabbc |  |  | As per payment history, the reversed string is xxxxxxxxxxxxx; however tape data reflects deddcccdbba. | Initial |
| 35368715 | xx | xx | Purpose of Refinance Per Application | Unavailable | Lower rate or term |  |  | Final xxxx is missing in the loan file purpose of the application is unavailable; however, tape data reflect the Lower rate or term. | Initial |
| 35368715 | xx | xx | Subject Property Type | PUD | Single Family |  |  | The subject property type is PUD. | Initial |
| 62272686 | xx | xx | Loan Amortization Type | Fixed | ARM |  |  | Loan is ARM | Initial |
| 62272686 | xx | xx | Mailing Address Street | xx | xx |  |  | Mailing Property address is xx | Initial |
| 62272686 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | P&I is xx | Initial |
| 62272686 | xx | xx | Payment History String | xxxxxxxxxxxx | bbaxxxxxxxxxxxxxxxxxxBAz |  |  | Payment history string is xxxxxxxxxxxx | Initial |
| 62272686 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | zABxxxxxxxxxxxxxxxxaxabb |  |  | Payment history string is xxxxxxxxxxxx | Initial |
| 16894221 | xx | xx | Mailing Address Street | xx | xx |  |  | Drive is xx | Initial |
| 16894221 | xx | xx | Mod Maturity Date | Not Applicable | xx |  |  | no modification has been completed | Initial |
| 16894221 | xx | xx | Payment History String | xxxxxxxxxxxx | Azyxxwvuttttsrqponmlkjih |  |  | converted to a x-x ratings scale | Initial |
| 16894221 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | hijklmnopsrsttttuvwyxyzA |  |  | converted to a x-x ratings scale | Initial |
| 16894221 | xx | xx | Referral Date | x/xx/xxxx | x/x/xxxx | xxx (Days) |  | foreclosure documents on file do not show dates for referral or S&C filing - unable to verify | Initial |
| 16894221 | xx | xx | S&C Filing Date | x/xx/xxxx | x/xx/xxxx | -x (Days) |  | foreclosure documents on file do not show dates for referral or S&C filing - unable to verify | Initial |
| 42359944 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | As per modification doc date is xx; however tape reflects xx. | Initial |
| 42359944 | xx | xx | Interest Only Period? | Yes | No |  |  | As per note there is interest only period; however tape reflects no. | Initial |
| 42359944 | xx | xx | Original Appraised Value | Unavailable | xx |  |  | Did not use for review. | Initial |
| 42359944 | xx | xx | Original CLTV Ratio Percent | Unavailable | xx |  |  | Did not use for review. | Initial |
| 42359944 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Did not use for review. | Initial |
| 42359944 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | As per note P&I is xx; however tape reflects xx. | Initial |
| 42359944 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per payment history string is xxxxxxxxxxxx; however tape reflects xxxxxxxxxxxxxxxx. | Initial |
| 42359944 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per payment history reversed string is xxxxxxxxxxxx; however tape reflects xxxxxxxxxxxxxxxx. | Initial |
| 42359944 | xx | xx | Property Address Street | xx | xx |  |  | Did not use for review. | Initial |
| 99409310 | xx | xx | Doc Date of Last Modification | xx | xx | -xxx (Days) |  | Per the loan modification, the effective date was xx. | Initial |
| 99409310 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A. | Initial |
| 99409310 | xx | xx | Interest Only Period? | Yes | No |  |  | The Note at origination has a xx month Interest Only Period. | Initial |
| 99409310 | xx | xx | Mod Step 1 Date | x/x/xxxx | x/x/xxxx | -xxxx (Days) |  | Per the loan modification. | Initial |
| 99409310 | xx | xx | Mod Step 1 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | Per the loan modification. | Initial |
| 99409310 | xx | xx | Mod Step 2 Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Per the loan modification. | Initial |
| 99409310 | xx | xx | Mod Step 2 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | Per the loan modification. | Initial |
| 99409310 | xx | xx | Mod Step 3 Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Per the loan modification. | Initial |
| 99409310 | xx | xx | Mod Step 3 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | Per the loan modification. | Initial |
| 99409310 | xx | xx | Original Stated P&I | Unavailable | xx |  |  | The Note at origination did not reflect the post interest only P&I payment. | Initial |
| 99409310 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String is xxxxxxxxxxxx. | Initial |
| 99409310 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment History String Reversed is xxxxxxxxxxxx. | Initial |
| 99409310 | xx | xx | Principal Balance Stated in Mod | $xxxxxx.xx | $xxxxxx.xx | $xxxxxx.xx | xx.xxxxx% | The Principal Balance per the loan modification is $xxx,xxx.xx of which $xxx,xxx.xx is deferred and $xxx,xxx.xx is the interest bearing amount. | Initial |
| 99409310 | xx | xx | Property Address Street | xx | xx |  |  | No Discrepancy. | Initial |
| 99409310 | xx | xx | Purpose of Refinance Per Application | Unavailable | Lower rate or term |  |  | Final application is missing from the loan file. | Initial |
| 27558455 | xx | xx | Borrower First Name | xx | xx |  |  | As per the original note borrower first name is xx. | Initial |
| 27558455 | xx | xx | Original Appraised Value | Unavailable | xx |  |  | Appraisal report is missing from the loan file. | Initial |
| 27558455 | xx | xx | Original CLTV Ratio Percent | Unavailable | xx |  |  | Did not used for review. | Initial |
| 27558455 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Appraisal report is missing from the loan file. | Initial |
| 27558455 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The payment reflects in the Payment History String as xxxxxxxxxxxx. | Initial |
| 27558455 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The payment reflects in the Payment History String Reversed as xxxxxxxxxxxx. | Initial |
| 98081671 | xx | xx | Mod Maturity Date | Not Applicable | xx |  |  | Did not use for review. | Initial |
| 98081671 | xx | xx | Original Appraised Value | xx | xx | xx | x.xxxxx% | Did not use for review. | Initial |
| 98081671 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The payment history string is xxxxxxxxxx. | Initial |
| 98081671 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The payment history reversed string is xxxxxxxxxx. | Initial |
| 33919705 | xx | xx | Doc Date of Last Modification | xx | xx | x (Days) |  | Most recnt mod agreement could not be located | Initial |
| 33919705 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Out of scope for this review | Initial |
| 33919705 | xx | xx | Mod Step 1 Date | x/x/xxxx | x/x/xxxx | -xxxx (Days) |  | Most recnt mod agreement could not be located | Initial |
| 33919705 | xx | xx | Mod Step 1 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% |  | Initial |
| 33919705 | xx | xx | Mod Step 2 Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Most recnt mod agreement could not be located | Initial |
| 33919705 | xx | xx | Mod Step 2 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | Most recnt mod agreement could not be located | Initial |
| 33919705 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The Payment reflects the Payment History String as xxxxxxxxxxxx. | Initial |
| 33919705 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The Payment History String reversed is xxxxxxxxxxxx. | Initial |
| 33919705 | xx | xx | Principal Balance Stated in Mod | $xxxxxx.xx | $xxxxxx.xx | $xxxxxx.xx | xx.xxxxx% |  | Initial |
| 33919705 | xx | xx | Purpose of Refinance Per Application | Debt consolidation | Cash Out - Other |  |  | Out of scope for this review | Initial |
| 33919705 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Out of scope for this review | Initial |
| 66631843 | xx | xx | Doc Date of Last Modification | xx | xx | xx (Days) |  | Loan modified on xx however tape reflects xx. | Initial |
| 66631843 | xx | xx | Last Payment Received Date | xx/xx/xxxx | x/x/xxxx | xxxx (Days) |  | As per payment history last payment received on x/x/xxxx however tape reflects x/x/xxxx. | Initial |
| 66631843 | xx | xx | Mod Step 1 Date | xx/x/xxxx | xx/x/xxxx | -xxxx (Days) |  | As per modification agreement date is xx tape reflects xx. | Initial |
| 66631843 | xx | xx | Mod Step 1 P&I | $xxx.xx | $xxx.xx | $-xx.xx | -xx.xxxxx% | As per modification agreement P&I is $xxx.xx tape reflects $xxx.xx. | Initial |
| 66631843 | xx | xx | Mod Step 1 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | As per modification agreement rate is x% however tape reflects x%. | Initial |
| 66631843 | xx | xx | Mod Step 2 Date | xx/x/xxxx | xx/x/xxxx | -xxx (Days) |  | As per modification agreement date is xx however tape reflects xx. | Initial |
| 66631843 | xx | xx | Mod Step 2 P&I | $xxx.xx | $xxx.xx | $-xx.xx | -xx.xxxxx% | As per modification agreement P&I is $xxx.xx however tape reflects $xxx.xx. | Initial |
| 66631843 | xx | xx | Mod Step 2 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | As per modification agreement rate is x% however tape reflects x%. | Initial |
| 66631843 | xx | xx | Mod Step 3 Date | xx/x/xxxx | xx/x/xxxx | -xxx (Days) |  | As per modification agreement date is xx however tape reflects xx. | Initial |
| 66631843 | xx | xx | Mod Step 3 P&I | $xxx.xx | $xxx.xx | $-x.xx | -x.xxxxx% | As per modification agreement P&I is $xxx.xx however tape reflects $xxx.xx. | Initial |
| 66631843 | xx | xx | Mod Step 3 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | As per modification agreement rate is x% tape reflects x.xxx% | Initial |
| 66631843 | xx | xx | Mos Currently Delinquent per Payment History | x | xx | -xx | -xxx.xxxxx% | As per payment history borrower delinquent for xx months however tape reflects xx months. | Initial |
| 66631843 | xx | xx | Payment History String | xxxxxxxxxxxx | jkjkllnopppp |  |  | The loan is delinquent for more than xxx days hence the derived string is xxxxxxxxxxxx. | Initial |
| 66631843 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | pppponljkjkj |  |  | The loan is delinquent for more than xxx days hence the derived string is xxxxxxxxxxxx. | Initial |
| 66631843 | xx | xx | Principal Balance Stated in Mod | $xxxxx.xx | $xxxxx.xx | $xxxxx.xx | xxx.xxxxx% | Principal balance stated in mod $xxxxx.xx however tape reflects $xxxxx.xx. | Initial |
| 66631843 | xx | xx | Property Address Street | xx | xx |  |  | No discrepancy. | Initial |
| 66631843 | xx | xx | Referral Date | Unavailable | x/xx/xxxx |  |  | Referral date not available in the collection comment. | Initial |
| 77756306 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx. | Initial |
| 77756306 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A | Initial |
| 77756306 | xx | xx | Foreclosure Judgment Entered Date | Unavailable | xx |  |  | N/A | Initial |
| 76233623 | xx | xx | Doc Date of Last Modification | xx | xx | x (Days) |  | The modification agreement was signed between the borrower xx and the lender xx. on xx | Initial |
| 76233623 | xx | xx | Original Appraised Value | xx | xx | xx | -x.xxxxx% | Did not use for review. | Initial |
| 76233623 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the payment history, the string is xxxxxxxxxxx. | Initial |
| 76233623 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the payment history, the string reversed is xxxxxxxxxxxx. | Initial |
| 76233623 | xx | xx | Property City | xx | xx |  |  | As per note, the property city name is xx. | Initial |
| 76233623 | xx | xx | Purpose of Refinance Per Application | Change in Rate/Term | Lower rate or term |  |  | Did not use for review. | Initial |
| 76233623 | xx | xx | Referral Date | x/x/xxxx | x/x/xxxx | xx (Days) |  | The foreclosure was initiated and the file was referred to an attorney on x/x/xxxx | Initial |
| 53988264 | xx | xx | Borrower #2 Last Name | xx | xx |  |  | Borrower #x last Name is xx. | Initial |
| 53988264 | xx | xx | Borrower Last Name | xx | xx |  |  | last name taken from Note for Borrower in loan file | Initial |
| 53988264 | xx | xx | Doc Date of Last Modification | xx | xx | xx (Days) |  | date of mod taken from document in loan file | Initial |
| 53988264 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Not applicable. | Initial |
| 53988264 | xx | xx | Original Appraised Value | xx | xx | xx | x.xxxxx% | Not applicable. | Initial |
| 53988264 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | Not applicable. | Initial |
| 53988264 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Not applicable. | Initial |
| 53988264 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history string reversed is xxxxxxxxxxxxx. | Initial |
| 53988264 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | Payment history string reversed is xxxxxxxxxxxxx. | Initial |
| 53988264 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 53988264 | xx | xx | Purpose of Refinance Per Application | Limited Cash Out (GSE definition) | Cash Out - Other |  |  | Not applicable. | Initial |
| 76658544 | xx | xx | Borrower Last Name | xx | xx |  |  | As pre note borrower last name is xx; however tape reflects xx. | Initial |
| 76658544 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | As per modification doc date is xx; however tape reflects xx. | Initial |
| 76658544 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Did not use for review. | Initial |
| 76658544 | xx | xx | Foreclosure Judgment Entered Date | Not Applicable | xx |  |  | AS per collection comment foreclosure judgment entered date is NA; however tape reflects xx. | Initial |
| 76658544 | xx | xx | Original Appraised Value | xx | xx | xx | x.xxxxx% | Did not use for review. | Initial |
| 76658544 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | Did not use for review. | Initial |
| 76658544 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Did not use for review. | Initial |
| 76658544 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the payment history string is xxxxxxxxxxxx; however tape reflects xxxxxxxxxxxxxxxxxxxx. | Initial |
| 76658544 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the payment history reversed string is xxxxxxxxxxxx; however tape reflects xxxxxxxxxxxxxxxxxxxx. | Initial |
| 76658544 | xx | xx | Principal Balance Stated in Mod | $xxxxxx.xx | $xxxxxx.xx | $xxxxx.xx | xx.xxxxx% | As per modification principal balance is $xxx,xxx.xx; however tape reflects $xxx,xxx.xx. | Initial |
| 87392469 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | Per modification document the date is xx. | Initial |
| 87392469 | xx | xx | Original Appraised Value | xx | xx | xx | xx.xxxxx% | Did not use for review. | Initial |
| 87392469 | xx | xx | Parsed Street Address Apartment or Unit | Not Applicable | xx |  |  | Per note unit is # xx. | Initial |
| 87392469 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The payment history string is xxxxxxxxxxxx. | Initial |
| 87392469 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The payment history string is xxxxxxxxxxxx. | Initial |
| 87392469 | xx | xx | Principal Balance Stated in Mod | $xxxxxx.xx | $xxxxxx.xx | $xxxxx.xx | xx.xxxxx% | Per document modification has a deferred amount and the deferred plus the interest bearing amount is $xxx,xxx.xx. | Initial |
| 87392469 | xx | xx | Property Address Street | xx | xx |  |  | Updated as per the Note | Initial |
| 54895590 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | The last Modification was done on xx. | Initial |
| 54895590 | xx | xx | Original Appraised Value | xx | xx | xx | xx.xxxxx% | Did not use for review. | Initial |
| 54895590 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | Did not use for review. | Initial |
| 54895590 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Did not use for review. | Initial |
| 54895590 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The Payment reflects the Payment History String as xxxxxxxxxx. | Initial |
| 54895590 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The Payment History String reversed is xxxxxxxxx. | Initial |
| 54895590 | xx | xx | Principal Balance Stated in Mod | $xxxxxx.xx | $xxxxxx.xx | $xxxxxx.xx | xx.xxxxx% | According to modification agreement principal balance is $xxx,xxx.xx | Initial |
| 54895590 | xx | xx | Property Address Street | xx | xx |  |  | As per Note property address street is xx | Initial |
| 22633413 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | As per the Modification document, the Modification was effective from xx. | Initial |
| 22633413 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Did not use for review. | Initial |
| 22633413 | xx | xx | Mod Step 1 Date | x/x/xxxx | x/x/xxxx | -xxxx (Days) |  | As per the Modification document, the Modification for Step x payment date is /x/xxxx. | Initial |
| 22633413 | xx | xx | Mod Step 1 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | As per the Modification document, the Modification for Step x Rate of interest is x.xx%. | Initial |
| 22633413 | xx | xx | Mod Step 2 Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | As per the Modification document, the Modification for Step x payment date is /x/xxxx. | Initial |
| 22633413 | xx | xx | Mod Step 2 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | As per the Modification document, the Modification for Step x Rate of interest is x.xx%. | Initial |
| 22633413 | xx | xx | Mod Step 3 Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | As per the Modification document, the Modification for Step x payment date is /x/xxxx. | Initial |
| 22633413 | xx | xx | Mod Step 3 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | As per the Modification document, the Modification for Step x Rate of interest is x.xx%. | Initial |
| 22633413 | xx | xx | Original Appraised Value | xx | xx | xx | xx.xxxxx% | An Appraisal report, Original Appraised value xx | Initial |
| 22633413 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -xx.xxxxx% | An Appraisal report, Original CLTV Ratio Percentage is xx. | Initial |
| 22633413 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -xx.xxxxx% | An Appraisal report, Original standard LTV (OLTV) is xx. | Initial |
| 22633413 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the payment history string as xxxxxxxxxxxx. | Initial |
| 22633413 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | As per the payment history string reversed as xxxxxxxxxxxx. | Initial |
| 95109653 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 95109653 | xx | xx | Foreclosure Judgment Entered Date | Unavailable | xx |  |  |  | Initial |
| 95109653 | xx | xx | Mod Maturity Date | xx | xx | -xxxx (Days) |  |  | Initial |
| 95109653 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% |  | Initial |
| 95109653 | xx | xx | Payment History String | Not Applicable | xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  | Initial |
| 95109653 | xx | xx | Payment History String Reversed | Not Applicable | xxxxxxxxxxxxxxxxxxxxxxxx |  |  |  | Initial |
| 95109653 | xx | xx | Purpose of Refinance Per Application | Lower rate or term | Home improvement |  |  |  | Initial |
| 95109653 | xx | xx | Referral Date | x/xx/xxxx | x/xx/xxxx | -x (Days) |  |  | Initial |
| 95109653 | xx | xx | S&C Filing Date | x/xx/xxxx | x/x/xxxx | x (Days) |  |  | Initial |
| 74933444 | xx | xx | ARM Lifetime Floor Percent | x.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | The Note reflects the ARM Lifetime Floor Percent as x.xxx% | Initial |
| 74933444 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The payment reflects in the Payment History String as xxxxxxxxxxx. | Initial |
| 74933444 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The payment reflects in the Payment History String as xxxxxxxxxxxx. | Initial |
| 74933444 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Purpose of transition per HUD-x is cash out. | Initial |
| 1159622 | xx | xx | ARM Lifetime Floor Percent | x.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | The Note reflects the ARM Lifetime Floor Percent as x.xx%. | Initial |
| 1159622 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The payment reflects in the Payment History String is xxxxxxxxxxxx. | Initial |
| 1159622 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | the payment reflects in the Payment History String as xxxxxxxxxxx. | Initial |
| 1159622 | xx | xx | Property Address Street | xx | xx |  |  | The Note reflects the Subject Property Address Street as: xx | Initial |
| 1159622 | xx | xx | Subject Property Type | x Family | Single Family |  |  | x-x family rider is available with mortgage. | Initial |
| 28573117 | xx | xx | ARM Lifetime Floor Percent | x.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | as per the original not ethe ARM lifetime floor percent is x.xx% however tape reflects as xx.xx%. | Initial |
| 28573117 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The Payment reflects the Payment History String as xxxxxxxxxxxx. | Initial |
| 28573117 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The Payment History String reversed is xxxxxxxxxxxx. | Initial |
| 28573117 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | As per Final HUD-x borrower received cash to amount. | Initial |
| 83640593 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | As per Note, the borrower middle name is xx. However, tape reflects xx. | Initial |
| 83640593 | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | As per Note, the borrower x middle name is xx. However, tape reflects xx. | Initial |
| 83640593 | xx | xx | Current Bankruptcy Case Number | xx | xx |  |  | As per PACER the case number is xx. However, tape reflects xx. | Initial |
| 83640593 | xx | xx | Last Payment Received Date | x/x/xxxx | x/xx/xxxx | xxxx (Days) |  |  | Initial |
| 83640593 | xx | xx | Lender Name | xx | xx |  |  | As per Note, the Lenders Name is xx. However, tape reflects xx. | Initial |
| 83640593 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -x | -x.xxxxx% | A per Note, the maturity term months are xxx. However, tape reflects xxx. | Initial |
| 83640593 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | As per Note, the rate is x.xx%. However, tape reflects x.xx%. | Initial |
| 83640593 | xx | xx | Property Address Street | xx | xx |  |  | The property address street is xx. | Initial |
| 83640593 | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | As per Note, the maturity date is xx. However, tape reflects xx. | Initial |
| 83640593 | xx | xx | Stated Remaining Term | xxx | xxx | -x | -x.xxxxx% | As per Note, the stated remaining terms are xxx. However, tape reflects xxx. | Initial |
| 75589699 | xx | xx | Current Bankruptcy Case Number | xx | xx |  |  | As per the PACER report, the bk was filed with case#xx. | Initial |
| 75589699 | xx | xx | Last Payment Received Date | xx/xx/xxxx | x/xx/xxxx | xxxx (Days) |  |  | Initial |
| 75589699 | xx | xx | Lender Name | xx | xx |  |  | As per the note, the lender name is xx. | Initial |
| 75589699 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | x | x.xxxxx% | As per the note, the original maturity term is xxx. | Initial |
| 75589699 | xx | xx | Max Rate At First Adjustment | xx.xxx% | x.xxx% | xx.xxx% | xx.xxxxx% | As per the note, the max rate at first adjustment is xx.xxx%. | Initial |
| 75589699 | xx | xx | Next Pay Change Date | xx/xx/xxxx | xx/xx/xxxx | xx (Days) |  | As per the note, the next pay change date is xx/xx/xxxx. | Initial |
| 75589699 | xx | xx | Property Address Street | xx | xx |  |  | As per the note, the property address is xx. | Initial |
| 75589699 | xx | xx | S&C Filing Date | Not Applicable | x/x/xxxx |  |  | No evidence of post-closing foreclosure has been found. | Initial |
| 75589699 | xx | xx | Stated Maturity Date | xx | xx | xx (Days) |  | The loan was never modified since origination. | Initial |
| 92560399 | xx | xx | Max Rate At First Adjustment | xx.xxx% | x.xxx% | xx.xxx% | xx.xxxxx% | Audit value has the maximum per the note | Initial |
| 92560399 | xx | xx | Next Pay Change Date | x/xx/xxxx | xx/xx/xxxx | xxx (Days) |  |  | Initial |
| 92560399 | xx | xx | Property Address Street | xx | xx |  |  | The audit value uses capital and small letters in describing the property address | Initial |
| 92560399 | xx | xx | S&C Filing Date | x/xx/xxxx | x/xx/xxxx | xxxx (Days) |  |  | Initial |
| 92560399 | xx | xx | Stated Maturity Date | xx | xx | xx (Days) |  | The audit value has the maturity date per the note | Initial |
| 21633272 | xx | xx | Current Occupancy | Owner (or Former): Primary Home | Tenant |  |  | As per the latest BPO dated xx, the subject property has been occupied by the owner. | Initial |
| 21633272 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender require MI is not applicable, tape data shows No. | Initial |
| 21633272 | xx | xx | Last Payment Received Date | x/x/xxxx | x/xx/xxxx | xxxx (Days) |  |  | Initial |
| 21633272 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | Original Standard LTV is xx, tape data shows xx. | Initial |
| 21633272 | xx | xx | Payment History String | xxxxxxxxxxxx | XxxxxxxxxxFFFxxxxxxxxxxc |  |  | Payment history string is xxxxxxxxxxx, tape data shows XxxxxxxxxxFFxxxxxxxxxc. | Initial |
| 21633272 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | cxxxxxxxxFxFFFxxxxxxxxxX |  |  | Payment history string is xxxxxxxxxxxx, tape data shows cxxxxxxxfxxffffxxxxxxxx. | Initial |
| 21633272 | xx | xx | Stated Maturity Date | xx | xx | -xxxx (Days) |  | Stated Maturity date is xx. Tape data shows xx. | Initial |
| 21633272 | xx | xx | Stated Remaining Term | xx | xxx | -xxx | -xx.xxxxx% | Stated remaining term is xx, tape data shows xxx. | Initial |
| 21633272 | xx | xx | Subject Property Type | PUD | Single Family |  |  | As per mortgage document, PUD rider is available. | Initial |
| 2913512 | xx | xx | Current Occupancy | Owner (or Former): Primary Home | Tenant |  |  | As per the BPO report dated xx, the property is occupied by the owner. | Initial |
| 2913512 | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Modification was done in the loan. | Initial |
| 2913512 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | The MI certificate is not required. | Initial |
| 2913512 | xx | xx | Last Payment Received Date | x/xx/xxxx | x/xx/xxxx | x (Days) |  | As per payment history last payment received on x/xx/xxxx. | Initial |
| 2913512 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -xxx.xxxxx% | An Appraisal report, Original standard LTV (OLTV) is xx. | Initial |
| 2913512 | xx | xx | Payment History String | xxxxxxxxxxxx | Xxxxxxxxxxxxxxxxxxxxxxxc |  |  | As per the payment history string as xxxxxxxxxxxx. | Initial |
| 2913512 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | cxxxxxxxxxxxxxxxxxxxxxxX |  |  | As per the payment history string reversed as xxxxxxxxxxxx. | Initial |
| 2913512 | xx | xx | Property City | xx | xx |  |  | As per Note Property City is xx of xx. | Initial |
| 2913512 | xx | xx | Stated Maturity Date | xx | xx | -xx (Days) |  | As per the modification document the maturity date will be xx. | Initial |
| 2913512 | xx | xx | Stated Remaining Term | xxx | xxx | -xx | -xx.xxxxx% | As per the Note stated remaining term is xxx months. | Initial |
| 69498514 | xx | xx | Amortization Term Months (CE, S&P) | xxx | xxx | -xx | -xx.xxxxx% | The Amortization term Months is xxx. | Initial |
| 69498514 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | The bankruptcy (Post- loan origination) is YES. | Initial |
| 69498514 | xx | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| 69498514 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xx | -xx.xxxxx% | The Loan origination Maturity Term Months is xxx. However, the tape data shows that xxx. | Initial |
| 69498514 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | The Original CLTV Ratio Percent is xx. However, the data shows that xx. | Initial |
| 69498514 | xx | xx | Original Note Doc Date | xx | xx | xx (Days) |  | The Original Note Doc Date is xx. However, the tapa data shows that xx. | Initial |
| 69498514 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | The Original Standard LTV (OLTV) is xx. However, the tape data shows that xx. | Initial |
| 69498514 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxCCCxCCxxxxx |  |  | The payment history string is xxxxxxxxxxxx. However, the tape data shows that xxxxxxxxxxxxxxxxCCxCCxxxx. | Initial |
| 69498514 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxCCxCxCxxxxxxxxxxxxx |  |  | The payment history string Reversed is xxxxxxxxxxxx. However, the tape data shows that xxxxxCCxCxCxxxxxxxxx. | Initial |
| 69498514 | xx | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 3496094 | xx | xx | Interest Only Period? | Yes | No |  |  | The Original Note reflects an Interest only Period of xxx months. | Initial |
| 3496094 | xx | xx | Is REO Active? | Not Applicable | No |  |  | No evidence of post-closing foreclosure has been found. | Initial |
| 3496094 | xx | xx | Lifetime Upward Rate Change Cap | x.xxx% | x.xxx% | x.xxx% | x.xxxxx% | As per ARM note lifetime Upward rate change cap is x.xxx% | Initial |
| 3496094 | xx | xx | Loan Documentation Type | Unavailable | Reduced |  |  |  | Initial |
| 3496094 | xx | xx | Mod Step Indicator | Not Applicable | No |  |  | The loan was never modified since origination | Initial |
| 3496094 | xx | xx | Modification First Payment Date | Not Applicable | xx/x/xxxx |  |  | The loan was never modified since origination | Initial |
| 3496094 | xx | xx | Next Rate Change Date | x/x/xxxx | x/x/xxxx | xxx (Days) |  | As per note next rate change date is x/x/xxxx. | Initial |
| 3496094 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | The original CLTV ratio percent xx | Initial |
| 3496094 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | The original standard LTV ratio percent xx | Initial |
| 3496094 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | The Note reflects the Original Stated P&I as xx. | Initial |
| 3496094 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxCCCCCxCCCxCCxCCxxCCxx |  |  | The payment history string xxxxxxxxxxxx | Initial |
| 3496094 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxCCxxCCxxCxCCCxCCCxCxxx |  |  | The payment history string reversed xxxxxxxxxxxx. | Initial |
| 72495414 | xx |  | Amortization Term Months (CE, S&P) | xxx | xxx | -xxx | -xx.xxxxx% | Amortization Term Months are xxx. However, the tape data reflects xxx. | Initial |
| 72495414 | xx |  | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy is Yes. However, the tape data reflects No. | Initial |
| 72495414 | xx |  | Currently in Foreclosure? | Yes | No |  |  | Currently in Foreclosure. However, the tape data reflects No. | Initial |
| 72495414 | xx |  | Doc Date of Last Modification | xx | xx | -xx (Days) |  | Doc Date of Last Modification is xx. However, the tape data reflects xx. | Initial |
| 72495414 | xx |  | Loan Amortization Type | Step | Fixed |  |  | Loan Amortization Type is Step. However, the tape data reflects Fixed. | Initial |
| 72495414 | xx |  | Loan Original Maturity Term Months | xxx | xxx | -xxx | -xx.xxxxx% | Loan Original Maturity Term months is xxx. However, the tape data reflects xxx. | Initial |
| 72495414 | xx |  | Mod Step 1 Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | Mod Step x Date is x/x/xxxx. However, the tape data reflects x/x/xxxx. | Initial |
| 72495414 | xx |  | Mod Step 2 Date | x/x/xxxx | x/x/xxxx | xxx (Days) |  | Mod Step x Date is x/x/xxxx. However, the tape data reflects x/x/xxxx. | Initial |
| 72495414 | xx |  | Mod Step 2 Rate | x.xxx% | x.xxx% | x.xxx% | x.xxxxx% | Mod Step x Rate is x.xx%. However, the tape data reflects x.xx%. | Initial |
| 72495414 | xx |  | Mod Step 3 Date | x/x/xxxx | x/x/xxxx | xxx (Days) |  | Mod Step x Date is x/x/xxxx. However, the tape data reflects x/x/xxxx. | Initial |
| 72495414 | xx |  | Mod Step 3 Rate | x.xxx% | x.xxx% | x.xxx% | x.xxxxx% | Mod Step x Rate is x.xx%. However, the tape data reflectsx.xx%. | Initial |
| 72495414 | xx |  | Mod Step 4 Date | Not Applicable | x/x/xxxx |  |  | Mod Step x Date is Not Applicable. However, the tape data reflects x/x/xxxx. | Initial |
| 72495414 | xx |  | Mod Step 4 Rate | Not Applicable | x.xxx% |  |  | Not applicable. | Initial |
| 72495414 | xx |  | Mod Step 5 Date | Not Applicable | x/x/xxxx |  |  | Mod Step x Date is Not Applicable. However, the tape data reflects x/x/xxxx. | Initial |
| 72495414 | xx |  | Mod Step 5 Rate | Not Applicable | x.xxx% |  |  | Not applicable. | Initial |
| 72495414 | xx |  | Payment History String | xxxxxxxxxxxx | xCCxxCxxxxxxxCxxxxxxxxxx |  |  | Payment History String is xxxxxxxxxxxx. However, the tape data reflects xCCxxCxxxxxxxxxxxxxxx. | Initial |
| 72495414 | xx |  | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxCxxxxxxxCCxCCx |  |  | Payment History String Reversed is xxxxxxxxxx. However, the tape data reflects xxxxxxxxxxCxxxxxCCx. | Initial |
| 72495414 | xx |  | Purpose of Refinance Per Application | Cash Out - Other | Lower rate or term |  |  | Purpose of Refinance Per Application Cash Out-Other. However, the tape data reflects Lower rate or term. | Initial |
| 72495414 | xx |  | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Purpose of Transaction per HUD-x is Cash Out. However, the tape data reflects Refinance. | Initial |
| 72495414 | xx |  | S&C Filing Date | Unavailable | x/x/xxxx |  |  | Unavailable. | Initial |
| 6013968 | xx | xx | Amortization Term Months (CE, S&P) | xxx | xxx | xxx | xx.xxxxx% | Amortization Term Months are xxx. | Initial |
| 6013968 | xx | xx | Balloon Indicator | Yes | No |  |  | There is a balloon rider in the loan file. | Initial |
| 6013968 | xx | xx | Borrower Last Name | xx | xx |  |  | The Note reflects the Borrower's Last Name as xx. | Initial |
| 6013968 | xx | xx | Deferred Balance Amount | Not Applicable | $xxxxx.xx |  |  |  | Initial |
| 6013968 | xx | xx | Escrow Balance per Payment History | $x.xx | $-xxx.xx | $xxx.xx | -xxx.xxxxx% | Information updated as per the payment history. | Initial |
| 6013968 | xx | xx | Interest Only Period? | Yes | No |  |  | There is a interest only period. | Initial |
| 6013968 | xx | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| 6013968 | xx | xx | Mod Step Indicator | Not Applicable | No |  |  |  | Initial |
| 6013968 | xx | xx | Modification First Payment Date | Not Applicable | x/x/xxxx |  |  |  | Initial |
| 6013968 | xx | xx | Next Rate Change Date | x/x/xxxx | x/x/xxxx | xxx (Days) |  | The Note reflects the Next Rate Change Date as x/x/xxxx. | Initial |
| 6013968 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | As per the appraisal the CLTV ration percent is xx. | Initial |
| 6013968 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | As per the appraisal the LTVt is xx. | Initial |
| 6013968 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | The Note reflects the Original Stated P&I as xx. | Initial |
| 6013968 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxCCCCCCCCCMMxxxxxxxx |  |  | The Payment reflects the Payment History String as xxxxxxxxxxxx. | Initial |
| 6013968 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxMCCCCCCCCCCxxxxx |  |  | The Payment History String reversed is xxxxxxxxxxxx. | Initial |
| 6013968 | xx | xx | Periodic Rate Change Cap Down | x.xxx% | xxx.xxx% | -xx.xxx% | -xx.xxxxx% | Information updated as per the Note. | Initial |
| 6013968 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  |  | Initial |
| 6013968 | xx | xx | Rate Adjustment Initial Cap Percent | x.xxx% | x.xxx% | x.xxx% | x.xxxxx% | Information updated as per the Note. | Initial |
| 6013968 | xx | xx | Subject Property Type | x Family | Single Family |  |  |  | Initial |
| 86880494 | xx | xx | Amortization Term Months (CE, S&P) | xxx | xxx | -xx | -xx.xxxxx% | The amortization term months is xxx. | Initial |
| 86880494 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | As per servicing comments, the loan is in foreclosure. | Initial |
| 86880494 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | The Document Date of the Last Modification is xx. | Initial |
| 86880494 | xx | xx | Escrow Balance per Payment History | $x.xx | $-xxxxx.xx | $xxxxx.xx | -xxx.xxxxx% | As per the payment history, the escrow balance is $x.xx. | Initial |
| 86880494 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xx | -xx.xxxxx% | The loan maturity term balance is xxx. | Initial |
| 86880494 | xx | xx | Modification First Payment Date | x/x/xxxx | xx/x/xxxx | xxxx (Days) |  | The modification first payment date is x/x/xxxx. | Initial |
| 86880494 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | x.xxxxx% | The appraisals report is missing from the loan file. | Initial |
| 86880494 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | The appraisals report is missing from the loan file. | Initial |
| 86880494 | xx | xx | Payment History String | xxxxxxxxxxxx | MxxxxxxxxxxxxMMxxxxxxxxx |  |  | The Payment reflects the Payment History String as xxxxxxxxxxxx. | Initial |
| 86880494 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxMxxxxxxxxxxxxM |  |  | The Payment History String reversed is xxxxxxxxxxx. | Initial |
| 28247610 | xx | xx | Doc Date of Last Modification | xx | xx | -x (Days) |  | As per Last mod the date is xx. However, tape reflects xx. | Initial |
| 28247610 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | As per Note the P&I is xx. However, tape reflects xx. | Initial |
| 28247610 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | The payment history string is xxxxxxxxxxxx; however tape data shows xxxxxxxxxxxx | Initial |
| 28247610 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | The payment history string reversed is xxxxxxxxxxxx; however tape data shows xxxxxxxxxxx. | Initial |
| 63407244 | xx | xx | Borrower First Name | xx | xx |  |  | As per Note the borrower first name is xx. However, tape reflects xx. | Initial |
| 63407244 | xx | xx | Current Legal Status | Collections | Collections, xx-xxx Days |  |  | The current legal status is collection. | Initial |
| 63407244 | xx | xx | Loan Amortization Type | Step | Fixed |  |  | As per Mod the loan amortization type is Step. However, tape reflects Fixed. | Initial |
| 63407244 | xx | xx | Loan Documentation Type | Unavailable | Full Documentation |  |  |  | Initial |
| 63407244 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | As per Payment History, the String is xxxxxxxxxxxx. However, tape reflects xxxxxxxxxxxx. | Initial |
| 63407244 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | As per Payment History, the String Reversed is xxxxxxxxxxxx. However, tape reflects xxxxxxxxxxxx. | Initial |
| 63407244 | xx | xx | Purpose of Refinance Per Application | Not Applicable | Lower rate or term |  |  | The final application is missing from the loan file. | Initial |
| 63407244 | xx | xx | Purpose of Transaction per HUD-1 | Purchase | Refinance |  |  | As per HUD the purpose of transaction is Purchase. However, tape reflects Refinance. | Initial |
| 63407244 | xx | xx | Purpose Per Application | Purchase | Refinance |  |  | As per Application the purpose per Application is Purchase. However, tape reflects Refinance. | Initial |
| 27183404 | xx | xx | Current Bankruptcy Case Number | xx | xx |  |  | Case number is xx. | Initial |
| 27183404 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | Currently not in foreclosure. | Initial |
| 27183404 | xx | xx | Doc Date of Last Modification | xx | xx | -xxxx (Days) |  | In Doc Date of Last Modification, data provided is xx however audit value is xx. | Initial |
| 27183404 | xx | xx | Mod Step 1 Date | x/x/xxxx | x/x/xxxx | -xxxx (Days) |  | In Mod Step x date, data provided is x/x/xxxx however audit value is x/x/xxxx. | Initial |
| 27183404 | xx | xx | Mod Step 1 P&I | $xxx.xx | $xxx.xx | $-xx.xx | -xx.xxxxx% | In Mod Step x P&I date, data provided is $xxx.xx however audit value is $xxx.xx. | Initial |
| 27183404 | xx | xx | Mod Step 1 Rate | x.xxx% | x.xxx% | x.xxx% | x.xxxxx% | In Mod Step x Rate, data provided is x.xxx% however audit value is x.xxx%. | Initial |
| 27183404 | xx | xx | Mod Step 2 Date | x/x/xxxx | x/x/xxxx | -xxx (Days) |  | In Mod Step x Date , data provided is x/x/xxxx however audit value is x/x/xxxx. | Initial |
| 27183404 | xx | xx | Mod Step 2 P&I | $xxx.xx | $xxx.xx | $-xx.xx | -x.xxxxx% | In OMod Step x P&I, data provided is $xxx.xx however audit value is $xxx.xx. | Initial |
| 27183404 | xx | xx | Mod Step 2 Rate | x.xxx% | x.xxx% | x.xxx% | x.xxxxx% | In Mod step x Rate, data provided is x.xxx% however audit value is x.xxx% | Initial |
| 27183404 | xx | xx | Original Stated P&I | xx | xx | xx | xxx.xxxxx% | In Originaal Stated P&I , data provided is xx however audit value is xx. | Initial |
| 27183404 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | In Payment History string , data provided is xxxxxxxxxxxx however audit value is xxxxxxxxxxxx | Initial |
| 27183404 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | In Payment History string reversed, data provided is xxxxxxxxxxxx however audit value is xxxxxxxxxxxx | Initial |
| 27183404 | xx | xx | Property Address Street | xx | xx |  |  | captured as per Note. | Initial |
| 8426018 | xx | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| 8426018 | xx | xx | Does Lender G/L Require MI? | Not Applicable | Yes |  |  |  | Initial |
| 8426018 | xx | xx | Post-Close Total Debts per 1003 | $xxxx.xx | $xx.xx | $xxxx.xx | xxxx.xxxxx% | Post-close total debt per xxxx is $xxxx.xx, tape shows $xx.xx | Initial |
| 88310795 | xx | xx | Borrower DTI Ratio Percent | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | DTI of the loan is xx.xxx% but tape shows xx.xxx%. | Initial |
| 88310795 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower's last name per Note is "xx" but tape shows "xx." | Initial |
| 88310795 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A | Initial |
| 88310795 | xx | xx | Housing Ratio per U/W (Initial Rate) | xx.xxx% | xx.xxx% | -x.xxx% | -x.xxxxx% | Housing ration of the loan is xx.xxx% but tape shows xx.xxx%. | Initial |
| 88310795 | xx | xx | Original CLTV Ratio Percent | xx | xx | xx | -x.xxxxx% | Original CLTV of the loan is xx, but tape shows xx | Initial |
| 88310795 | xx | xx | Original Note Doc Date | xx | xx | -xx (Days) |  | Original note date is xx tape shows xx | Initial |
| 88310795 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original LTV of the loan is xx but tape shows xx | Initial |
| 14077771 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy is Yes however the tape data shows No. | Initial |
| 14077771 | xx | xx | Current Foreclosure Doc Locator | Not Applicable | No |  |  |  | Initial |
| 14077771 | xx | xx | Deferred Balance Amount | $xxxxx.xx | $xxxxx.xx | $-xxxxx.xx | -xx.xxxxx% | Deferred balance amount is $xx,xxx.xx. | Initial |
| 14077771 | xx | xx | Deferred Principal (Modification) per Payment History | $xxxxx.xx | $xxxxx.xx | $-xxxxx.xx | -xx.xxxxx% | Deferred principle (modification) per payment history is $xx,xxx.xx however the tape data shows $xx,xxx.xx. | Initial |
| 14077771 | xx | xx | Loan Amortization Type | Fixed | ARM |  |  | Loan Amortization Type is Fixed. | Initial |
| 14077771 | xx | xx | Max Rate At First Adjustment | xx.xxx% | x.xxx% | x.xxx% | x.xxxxx% | Max rate at first adjustment is xx.xxx% however the tape data shows x.xxx%. | Initial |
| 14077771 | xx | xx | Min Rate At First Adjustment | x.xxx% | xxx.xxx% | -xxx.xxx% | -xxx.xxxxx% |  | Initial |
| 14077771 | xx | xx | Mortgage Type | Conventional | FHA |  |  | Mortgage type is Conventional however the tape data shows FHA. | Initial |
| 14077771 | xx | xx | Mos Currently Delinquent | x | x | -x | -xx.xxxxx% | Mos currently delinquent is x. | Initial |
| 14077771 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | Payment History String is xxxxxxxxxxxx. | Initial |
| 14077771 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | Payment History String Reversed is xxxxxxxxxxxxx. | Initial |
| 14077771 | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | Stated maturity date is xx and tape data shows xx. | Initial |
| 14077771 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxxxx.xx | -x.xxxxx% | Total Debt / Legal balance per payment history shows $xxx,xxx.xx and tape data shows $xxx,xxx.xx. | Initial |
| 14077771 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxx.xx | -x.xxxxx% | Unpaid Current Principle balance (UPB) Per payment History show $xxx,xxx.xx and tape data shows $xxx,xxx.xx. | Initial |
| 39168964 | xx | xx | Current Foreclosure Doc Locator | Ln#xx pg# | No |  |  | There is an evidence of active foreclosure has been found. | Initial |
| 39168964 | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | No discrepancies. | Initial |
| 39168964 | xx | xx | Original Appraisal Date | xx | xx | -x (Days) |  | The original appraisal date is xx. However the tape shows that it is xx. | Initial |
| 39168964 | xx | xx | Original Appraised Value | xx | xx | xx | x.xxxxx% | The appraised value is xx. However the tape shows that it is xx. | Initial |
| 39168964 | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | The stated maturity date is xx. However the tape shows that it is xx. | Initial |
| 39168964 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxx.xx | x.xxxxx% | The total debt is $xxx,xxx.xx. However the tape shows that it is $xxx,xxx.xx. | Initial |
| 39168964 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxx.xx | -x.xxxxx% | The unpaid current principal balance is $xxx,xxx.xx. However the tape shows that it is $xxx,xxx.xx. | Initial |
| 61323797 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | The borrower xx had filed the bankruptcy under chapter-xx with the case# xx on xx | Initial |
| 61323797 | xx | xx | Current Foreclosure Doc Locator | Not Applicable | No |  |  | No information pertaining to foreclosure has been found. | Initial |
| 61323797 | xx | xx | Mos Currently Delinquent | x | x | -x | -xx.xxxxx% | The review of the collection comment shows that the loan is in the collection and the next due date for the payment is xx/x/xxxx. | Initial |
| 61323797 | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | No discrepancy. | Initial |
| 61323797 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | The payment history string is xxxxxxxxxxxx. | Initial |
| 61323797 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | The payment history string reversed is xxxxxxxxxxxxx. | Initial |
| 61323797 | xx | xx | Principal Balance Stated in Mod | $xxxxxx.xx | $xxxxxx.xx | $xxxxx.xx | xx.xxxxx% | The new modified principal balance as per modification is in the amount of $xxx,xxx.xx. | Initial |
| 61323797 | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | As per note maturity date is xx; however tape reflects xx. | Initial |
| 61323797 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xx.xx | -x.xxxxx% | Total debt per payment history is $xxx,xxx.xx. | Initial |
| 61323797 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxx.xx | -x.xxxxx% | unpaid current UPB per payment history is $xxx,xxx.xx. | Initial |
| 28115137 | xx | xx | ARM Index Type | Not Applicable | LIBOR - x month WSJ |  |  |  | Initial |
| 28115137 | xx | xx | Borrower Last Name | xx | xx |  |  | The Note reflects the Borrower's Last Name as xx. | Initial |
| 28115137 | xx | xx | Current Foreclosure Doc Locator | Ln#xx pg# | No |  |  | Current Foreclosure Doc Locator is Ln#xx. | Initial |
| 28115137 | xx | xx | Loan Amortization Type | Fixed | ARM |  |  | The Modification reflects the Loan Amortization Type as Fixed. The Original Note Amortization type was ARM. | Initial |
| 28115137 | xx | xx | Max Rate At First Adjustment | xx.xxx% | x.xxx% | xx.xxx% | xx.xxxxx% | The Note reflects Max rate at first adjustment as xx.xxx%. | Initial |
| 28115137 | xx | xx | Min Rate At First Adjustment | xx.xxx% | xxx.xxx% | -xxx.xxx% | -xxx.xxxxx% | The Note reflects Min rate at first adjustment as xx.xxx%. | Initial |
| 28115137 | xx | xx | Modification Contains Balloon Provision? | Yes | No |  |  | The Mod contains Balloon feature. | Initial |
| 28115137 | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | The Modification reflects Stated Maturity Date as xx. | Initial |
| 28115137 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxxx.xx | -x.xxxxx% | Total Debt / Legal Balance per Payment History $xxx,xxx.xx. | Initial |
| 28115137 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxx.xx | -x.xxxxx% | Unpaid Current Principal Balance (UPB) per Payment History is $xxx,xxx.xx. | Initial |
| 54607106 | xx | xx | ARM Index Margin Percent | x.xxx% | xxx.xxx% | -xxx.xxx% | -xxx.xxxxx% | Note data was used | Initial |
| 54607106 | xx | xx | ARM Index Type | Treasury - One Year | Treasury - weekly - CMT |  |  |  | Initial |
| 54607106 | xx | xx | Current Foreclosure Doc Locator | xx_xx RPLx SVC xx.xlsx | No |  |  |  | Initial |
| 54607106 | xx | xx | Max Rate At First Adjustment | xx.xxx% | x.xxx% | x.xxx% | x.xxxxx% | Note data was used | Initial |
| 54607106 | xx | xx | Min Rate At First Adjustment | x.xxx% | xxx.xxx% | -xxx.xxx% | -xxx.xxxxx% | Note data was used | Initial |
| 54607106 | xx | xx | Modification Contains Balloon Provision? | Not Applicable | No |  |  |  | Initial |
| 54607106 | xx | xx | Next Rate Change Date | x/x/xxxx | x/x/xxxx | xxx (Days) |  | Reviewer followed note data change instructions | Initial |
| 54607106 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  |  | Initial |
| 54607106 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  |  | Initial |
| 54607106 | xx | xx | Rate Adjustment Subsequent Cap Percent | x.xxx% | xx.xxx% | -xx.xxx% | -xx.xxxxx% | Note data was used | Initial |
| 54607106 | xx | xx | Subject Property Type | PUD | Low Rise Condo (x-x Stories) |  |  |  | Initial |
| 54607106 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxx.xx | $xxxxx.xx | $xxxx.xx | xx.xxxxx% | System calculation differs from pay history data | Initial |
| 54607106 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxx.xx | $xxxxx.xx | $-xxx.xx | -x.xxxxx% | Most recent pay history data was used | Initial |
| 75428374 | xx | xx | Current Foreclosure Doc Locator | xx_xx RPLx SVC xx and xx-x Foreclosure Affidavit x & Ln#xx PG#xx | No |  |  | Current FC doc locator is xx_xx, tape shows No | Initial |
| 75428374 | xx | xx | Mos Currently Delinquent | x | x | -x | -xxx.xxxxx% | Mos currently delinquent is x, tape shows x | Initial |
| 75428374 | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | Negative amort potential is NA, tape shows No | Initial |
| 75428374 | xx | xx | Payment History String | xxxxxxxxxxxx | Fxxxxxxxxxxx |  |  | Payment history string is xxxxxxxxxx, tape shows Fxxxxxxxxxxx | Initial |
| 75428374 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxF |  |  | Payment history string reversed is xxxxxxxxxxxx, tape shows xxxxxxxxxxxxF | Initial |
| 75428374 | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | Stated maturity date is xx, tape shows xx | Initial |
| 75428374 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxxx.xx | -x.xxxxx% | Total debt per payment history is $xxxxxx.xx, tape shows $xxxxxx.xx | Initial |
| 75428374 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxx.xx | -x.xxxxx% | As per Payment history. | Initial |
| 85548240 | xx | xx | Current Foreclosure Doc Locator | xx_xx RPLx SVC xx.xlsx | No |  |  | No Discrepancies. | Initial |
| 85548240 | xx | xx | Deferred Balance Amount | Not Applicable | $xxxxx.xx |  |  |  | Initial |
| 85548240 | xx | xx | Doc Date of Last Modification | xx | xx | xx (Days) |  | The Document Date of the Last Modification is xx. | Initial |
| 85548240 | xx | xx | Mos Currently Delinquent | x | x | -x | -xxx.xxxxx% | The borrower is current with the loan. | Initial |
| 85548240 | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | No Discrepancies. | Initial |
| 85548240 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  |  | Initial |
| 85548240 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  |  | Initial |
| 85548240 | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | The last modification document shows the stated maturity date is xx. | Initial |
| 85548240 | xx | xx | Subject Property Type | PUD | Single Family |  |  | The appraisal report shows Subject Property Type as PUD. | Initial |
| 85548240 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxx.xx | -x.xxxxx% | The payment history report shows Total Debt / Legal Balance per Payment History as $xxx,xxx.xx. | Initial |
| 85548240 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxx.xx | -x.xxxxx% | The payment history report shows the current UPB is $xxx,xxx.xx. | Initial |
| 55101209 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | One of the borrowers filed Chapter x BK. xx. | Initial |
| 55101209 | xx | xx | Current Foreclosure Doc Locator | Copy of xx_xx RPLx SVC xx | No |  |  |  | Initial |
| 55101209 | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | Data Error | Initial |
| 55101209 | xx | xx | Payment History String | xxxxxxxxxxxx | FFFFFFFxxxxx |  |  | The Payment reflects the Payment History String as xxxxxxxxxxxxx. | Initial |
| 55101209 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxFFFFFFF |  |  | The Payment History String reversed is xxxxxxxxxxxxx. | Initial |
| 55101209 | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | The maturity date is xx | Initial |
| 55101209 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxx.xx | -x.xxxxx% | Total Debt / Legal Balance per Payment History in the amount of $xxx,xxx.xx. | Initial |
| 55101209 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxx.xx | -x.xxxxx% | Unpaid Current Principal Balance (UPB) per Payment History in the amount of $xxx,xxx.xx. | Initial |
| 90304071 | xx | xx | Corporate Advances: Recoverable per Payment History | $x.xx | $xx.xx | $-xx.xx | -xxx.xxxxx% | As per payment history corporate advances recoverable per payment history is $x.xx however tape data shows $xx.xx. | Initial |
| 90304071 | xx | xx | Current Foreclosure Doc Locator | Not Applicable | No |  |  |  | Initial |
| 90304071 | xx | xx | Doc Date of Last Modification | xx | xx | -x (Days) |  | As per mod doc date of last modification is xx however tape data shows xx. | Initial |
| 90304071 | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | No Discrepancies. | Initial |
| 90304071 | xx | xx | Payment History String | xxxxxxxxxxxx | FFFFxxxxxxxx |  |  | As per payment history payment string is xxxxxxxxxxxx however tape data shows FFFFxxxxxxxx. | Initial |
| 90304071 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxFFFFF |  |  | As per payment history payment string is xxxxxxxxxxxx however tape data shows xxxxxxxFFFFF. | Initial |
| 90304071 | xx | xx | Stated Maturity Date | xx | xx | xxxxx (Days) |  | As per note stated maturity date is xx however tape data shows xx. | Initial |
| 90304071 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xx.xx | -x.xxxxx% |  | Initial |
| 90304071 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xx.xx | -x.xxxxx% |  | Initial |
| 37565687 | xx | xx | Current Foreclosure Doc Locator | xx_xx RPLx SVC xx | No |  |  | No discrepancy | Initial |
| 37565687 | xx | xx | Modification Contains Balloon Provision? | Yes | No |  |  | As per Tape data Modification contains Balloon provision is no but audit value yes. | Initial |
| 37565687 | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | No discrepancy | Initial |
| 37565687 | xx | xx | Payment History String | xxxxMMMMMMMM | FFFFFFFFFFFx |  |  | As per Tape data Payment History string is FFFFFFFFFFFx but audit value xxxxMMMMMMMM . | Initial |
| 37565687 | xx | xx | Payment History String Reversed | MMMMMMMMxxxx | xFFFFFFFFFFF |  |  | As per Tape data Payment History string reversed is xfffffffffff But audit value is MMMMMMMMxxxx. | Initial |
| 37565687 | xx | xx | Property Address Street | xx | xx |  |  | As per Tape data property address street is xx but audit value xx. | Initial |
| 37565687 | xx | xx | Property Postal Code | xx | xx |  |  | As per Tape data property postal code is xx but audit value xx. | Initial |
| 37565687 | xx | xx | Stated Maturity Date | xx | xx | xxxxx (Days) |  | As per Tape data stated maturity date is xx but audit value xx . | Initial |
| 37565687 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxxx.xx | -x.xxxxx% | As per Tape data Total debt /legal balance per payment History is $xxx,xxx.xx but audit value $xxx,xxx.xx | Initial |
| 37565687 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxx.xx | -x.xxxxx% | As per Tape data Unpaid current principle balance per payment history is $xxx,xxx.xx but audit value is $xxx,xxx.xx | Initial |
| 62312001 | xx | xx | ARM Index Type | Not Applicable | LIBOR - x month WSJ |  |  |  | Initial |
| 62312001 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx; however tape data shows xx. | Initial |
| 62312001 | xx | xx | Current Foreclosure Doc Locator | xx_xx RPLx SVC xx | No |  |  | The foreclosure was initiated and the file was referred to an attorney on xx. | Initial |
| 62312001 | xx | xx | Doc Date of Last Modification | xx | xx | -xxx (Days) |  | Doc date of last modification is xx; however tape data shows xx. | Initial |
| 62312001 | xx | xx | Loan Amortization Type | Step | ARM |  |  | Loan amortization type is step. | Initial |
| 62312001 | xx | xx | Max Rate At First Adjustment | xx.xxx% | x.xxx% | x.xxx% | x.xxxxx% | Max rate at first adjustment is xx.xxx%; however tape data shows x.xxx%. | Initial |
| 62312001 | xx | xx | Min Rate At First Adjustment | x.xxx% | xxx.xxx% | -xxx.xxx% | -xxx.xxxxx% | The min rate at first adjustment is x.xx%. | Initial |
| 62312001 | xx | xx | Modification Contains Balloon Provision? | Yes | No |  |  | The modification contains balloon provision. | Initial |
| 62312001 | xx | xx | Modification First Payment Date | x/x/xxxx | xx/x/xxxx | -xxx (Days) |  | Modification first payment date is xx/xx/xxxx; however tape data shows xx/xx/xxxx. | Initial |
| 62312001 | xx | xx | Original Stated P&I | Not Applicable | xx |  |  | Original Stated P&I is not available; however tape data shows xx. | Initial |
| 62312001 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | Payment history string is xxxxxxxxxxxx; however, tape data shows xxxxxxxxxxxx. | Initial |
| 62312001 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | Payment history string reversed is xxxxxxxxxxxxxxx; however, tape data shows xxxxxxxxxxxx. | Initial |
| 62312001 | xx | xx | Principal Balance Stated in Mod | $xxxxxx.xx | $xxxxx.xx | $xxxxx.xx | xxx.xxxxx% | Principal balance stated in Mod $xxx,xxx.xx; however tape data shows $xx,xxx.xx. | Initial |
| 62312001 | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | Stated maturity date is xx; however, tape data shows xx. | Initial |
| 62312001 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxxx.xx | -x.xxxxx% | Total debt/ Legal balance per payment history is $xxx,xxx.xx; however tape data shows xxx,xxx.xx. | Initial |
| 62312001 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxx.xx | $xxxxx.xx | $-xx.xx | -x.xxxxx% | Unpaid current principal balance (UPB) per payment history is $xx,xxx.xx; however tape data shows $xx,xxx.xx | Initial |
| 49618820 | xx | xx | ARM Index Type | Not Applicable | LIBOR - x month WSJ |  |  |  | Initial |
| 49618820 | xx | xx | Current Foreclosure Doc Locator | Not Applicable | No |  |  | Foreclosure was not initiated. | Initial |
| 49618820 | xx | xx | Loan Amortization Type | Fixed | ARM |  |  | Loan amortization type as per the note is ARM. | Initial |
| 49618820 | xx | xx | Max Rate At First Adjustment | xx.xxx% | x.xxx% | x.xxx% | x.xxxxx% | Max rate at first adjustment is xx.x%. | Initial |
| 49618820 | xx | xx | Min Rate At First Adjustment | x.xxx% | xxx.xxx% | -xxx.xxx% | -xxx.xxxxx% | Min rete at first adjustment is x.x%. | Initial |
| 49618820 | xx | xx | Modification Contains Balloon Provision? | Yes | No |  |  | Modification contains balloon payment provision. | Initial |
| 49618820 | xx | xx | Payment History String | xxxxxmmmmmmm | xxxxxxxxxxxx |  |  | Payment history string reversed as per the payment history is xxxxxmmmmmmm. | Initial |
| 49618820 | xx | xx | Payment History String Reversed | mmmmmmmxxxxx | xxxxxxxxxxxx |  |  | Payment history string reversed as per the payment history is mmmmmmmxxxxx. | Initial |
| 49618820 | xx | xx | Stated Maturity Date | xx | xx | xxxx (Days) |  | Maturity date as per the mod agreement is xx. | Initial |
| 49618820 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxxx.xx | -x.xxxxx% | Total debt/legal balance as per the payment history is $xxx,xxx.xx. | Initial |
| 49618820 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxx.xx | x.xxxxx% | UPB as per payment history is $xxx,xxx.xx. | Initial |
| 96912015 | xx | xx | Current Foreclosure Doc Locator | Not Applicable | No |  |  |  | Initial |
| 96912015 | xx | xx | Modification Contains Balloon Provision? | Not Applicable | No |  |  | N/A | Initial |
| 96912015 | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | N/A | Initial |
| 96912015 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxx.xx | -x.xxxxx% | Total debt is $xxx,xxx.xx tape shows $xxx,xxx.xx | Initial |
| 96912015 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-x.xx | -x.xxxxx% | UPB is $xxx,xxx.xx tape shows $xxx,xxx.xx | Initial |
| 29669339 | xx | xx | Current Foreclosure Doc Locator | Not Applicable | No |  |  | N/A | Initial |
| 29669339 | xx | xx | Current Legal Status | Collections | Performing |  |  |  | Initial |
| 29669339 | xx | xx | Modification Contains Balloon Provision? | Not Applicable | No |  |  | N/A | Initial |
| 29669339 | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | N/A | Initial |
| 29669339 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  |  | Initial |
| 29669339 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  |  | Initial |
| 29669339 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxx.xx | -x.xxxxx% | Total debt per pay history is $xxx,xxx.xx tape shows $xxx,xxx.xx | Initial |
| 29669339 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxx.xx | -x.xxxxx% | Current UPB per pay history is $xxx,xxx.xx tape shows $xxx,xxx.xx | Initial |
| 68785468 | xx | xx | Lender Doc Type | Full Documentation | FullDocumentation |  |  | As per the documents. | Initial |
| 68785468 | xx | xx | Purpose of Refinance Per Application | Cash Out - Other | Lower rate or term |  |  | As per the final xxxx. | Initial |
| 68785468 | xx | xx | Sales Price (HUD-1 Line 101) | Not Applicable | xx |  |  | n/a | Initial |
| 87787303 | xx | xx | Borrower First Name | xx | xx |  |  | As per original note, borrower first name is xx. However, tape reflects xx. | Initial |
| 87787303 | xx | xx | Current Occupancy | Occupied by Unknown Party | Owner (or Former): Primary Home |  |  | As per inspection report dated xx, current occupancy is occupied by unknown party. However, tape reflects owner (or former) primary home. | Initial |
| 87787303 | xx | xx | Doc Date of Last Modification | xx | xx | -xxx (Days) |  | As per latest modification agreement, date is xx. However, tape reflects xx. | Initial |
| 87787303 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  | The file reflects MI was required as per final xxxx mortgage insurance shows xx and LTV exceed xx However, HUD-x doesn't show the mortgage payment. But tape reflects no. | Initial |
| 87787303 | xx | xx | Is REO Active? | Not Applicable | No |  |  | There is no current foreclosure activity was found in the loan therefore REO active is not applicable. However, tape reflects no. | Initial |
| 87787303 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | As per note, original stated rate is x.xx% but tape reflects it is x.xx%. | Initial |
| 87787303 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | As per latest payment history, string is xxxxxxxxxxxx. However, tape reflects xxxxxxxxxxxx. | Initial |
| 87787303 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | As per latest payment history, string reversed is xxxxxxxxxxxx. However, tape reflects xxxxxxxxxxxx. | Initial |
| 87787303 | xx | xx | Prepayment Penalty Indicator | Yes | No |  |  | As per original note, prepayment penalty present in the loan. However, tape reflects it is "No". | Initial |
| 87787303 | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | As per original note, stated remaining term is xxx. However, tape reflects xxx. | Initial |
| 87787303 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxx.xx | $xxxxx.xx | $-xxxx.xx | -x.xxxxx% | As per latest payment history, total debt/legal balance is $xx,xxx.xx. However, tape reflects $xx,xxx.xx. | Initial |
| 87787303 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxx.xx | $xxxxx.xx | $-xxx.xx | -x.xxxxx% | As per latest payment history, unpaid current principal balance is $xx,xxx.xx. However, tape reflects $xx,xxx.xx. | Initial |
| 87133942 | xx | xx | Borrower #2 First Name | xx | xx |  |  | As per Note, borrower #x first name is xx. However, tape data reflects xx. | Initial |
| 87133942 | xx | xx | Borrower First Name | xx | xx |  |  | As per Note, borrowers first name is xx. However, tape data reflects xx. | Initial |
| 87133942 | xx | xx | Current Bankruptcy Status | Petition Filed | Proof of Claim - Filed |  |  | As per PACER report, current bankruptcy status is petition filled. | Initial |
| 87133942 | xx | xx | Current Occupancy | Occupied by Unknown Party | Owner (or Former): Primary Home |  |  | As per the inspection report dated xx, the property is occupied by the unknown party. However, tape data shows owner (or former): primary home. | Initial |
| 87133942 | xx | xx | Doc Date of Last Modification | xx | xx | xx (Days) |  | As per ARM modification agreement, loan was modified on xx. However, tape data reflects xx. | Initial |
| 87133942 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | MI Certificate not required. | Initial |
| 87133942 | xx | xx | Escrow Advance Balance per Payment History | $xxxxx.xx | $xxxxx.xx | $xxxx.xx | x.xxxxx% | As per payment history, escrow advance balance is $xx,xxx.xx. However, tape data reflects $xx,xxx.xx. | Initial |
| 87133942 | xx | xx | First Pay Change Date | x/x/xxxx | x/x/xxxx | -xxxx (Days) |  | As per ARM Note, first payment change date is x/x/xxxx. However, tape data reflects x/x/xxxx. | Initial |
| 87133942 | xx | xx | Is REO Active? | Not Applicable | No |  |  | No discrepancy. | Initial |
| 87133942 | xx | xx | Min Rate At First Adjustment | x.xxx% | x.xxx% | x.xxx% | x.xxxxx% | As per ARM Note, min rate at first adjustment is x.xx%. However, tape data reflects x.xx%. | Initial |
| 87133942 | xx | xx | Mos to First Payment Change | xx | xx | -xx | -xx.xxxxx% | As per ARM Note, first payment change in xx months. However, tape data reflects xx months. | Initial |
| 87133942 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | -x.xxxxx% | -x.xxxxx% | As per Note, original stated rate is x.xx%. However, tape data reflects x.xx%. | Initial |
| 87133942 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | As per payment history, borrower is delinquent more than xxx days. Hence, string is xxxxxxxxxxxx. However, tape data reflects xxxxxxxxxxxx. | Initial |
| 87133942 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | As per payment history, borrower is delinquent more than xxx days. Hence, reversed string is xxxxxxxxxxxx. However, tape data reflects xxxxxxxxxxxx. | Initial |
| 87133942 | xx | xx | Stated Remaining Term | xxx | xxx | xx | x.xxxxx% | As per Note, stated remaining term is xxx months. However, tape data reflects xxx months. | Initial |
| 87133942 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxxx.xx | x.xxxxx% | As per payment history, total debt is in the amount $xxx,xxx.xx. However, tape data reflects $xxx,xxx.xx. | Initial |
| 87133942 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxxx.xx | -x.xxxxx% | As per payment history, current principal balance is $xxx,xxx.xx. However, tape data reflects$xxx,xxx.xx. | Initial |
| 49197531 | xx | xx | Borrower First Name | xx | xx |  |  | Original note dated xx states the borrowers First name as xx, however tape reflects as xx. | Initial |
| 49197531 | xx | xx | Current Bankruptcy Status | Plan Confirmed (Ch. xx, xx) | Lift Stay - Requested |  |  | As per the bankruptcy Pacer the bankruptcy status is Plan confirmed, however tape reflects as Life Stay- requested. | Initial |
| 49197531 | xx | xx | Current Foreclosure Status | Complaint Filed | Service Completed |  |  | As per the document of notice of Lis Pendens found the foreclosure status is Compliant filed, However tape reflects as Service completed. | Initial |
| 49197531 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | The modification agreement document is dated xx, However tape reflects as xx. | Initial |
| 49197531 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | By default the field is N/A, However tape reflects as No. | Initial |
| 49197531 | xx | xx | Escrow Advance Balance per Payment History | $xxxx.xx | $xxxx.xx | $xxx.xx | x.xxxxx% | As per the recent payment history document As Of date xx the Escrow advance balance amount is $x,xxx.xx, However tape reflects as $x,xxx.xx. | Initial |
| 49197531 | xx | xx | First Payment Date | xx | xx | -xxxx (Days) |  | Original note dated xx states First Payment date as xx, However tape reflects as xx. | Initial |
| 49197531 | xx | xx | Original Note Doc Date | xx | xx | -xxxx (Days) |  | Original Note document is dated xx, However tape reflects as xx. | Initial |
| 49197531 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | As per the payment history document the string is xxxxxxxxxxxx, however tape reflects as xxxxxxxxxxxx. | Initial |
| 49197531 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | As per the payment history document the Reversed string is xxxxxxxxxxxx, however tape reflects as xxxxxxxxxxxx. | Initial |
| 49197531 | xx | xx | Stated Remaining Term | xxx | xxx | xx | xx.xxxxx% | The loan was modified on xx which increased the loan term, Hence the stated remaining term is xxx months, However tape reflects as xxx months. | Initial |
| 49197531 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxx.xx | $xxxxx.xx | $xxxx.xx | xx.xxxxx% | Total debt of $xxxxx.xx includes Escrow advance amount of $x,xxx.xx and Corporate advance of $x,xxx.xx, However tape reflects only UPB of $xx,xxx.xx. | Initial |
| 49197531 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxx.xx | $xxxxx.xx | $-xxx.xx | -x.xxxxx% | As per the recent payment history document As of date xx/xx/xxxx the UPB is $xx,xxx.xx, However tape reflects as $xx,xxx.xx. | Initial |
| 67647045 | xx | xx | Current Bankruptcy Case Number | xx | xx |  |  | As per PACER, borrower filed bankruptcy under Chapter xx with Case #xx on xx. However, tape reflects xx. | Initial |
| 67647045 | xx | xx | Current Bankruptcy Status | Plan Confirmed (Ch. xx, xx) | Proof of Claim - Filed |  |  | As per PACER, borrower filed bankruptcy under Chapter xx Case #xx on xx and the plan was confirmed on xx. However, tape reflects current bankruptcy status as proof of claim-filed. | Initial |
| 67647045 | xx | xx | Doc Date of Last Modification | xx | xx | -x (Days) |  | As per the modification agreement, last modification doc date is xx. However, tape reflects xx. | Initial |
| 67647045 | xx | xx | Escrow Advance Balance per Payment History | $xxx.xx | $xxx.xx | $-xxx.xx | -xx.xxxxx% | As per the latest payment history, escrow advance balance is $xxx.xx. However, tape reflects $xxx.xx. | Initial |
| 67647045 | xx | xx | Is REO Active? | Not Applicable | No |  |  | No Discrepancies. | Initial |
| 67647045 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | As per the latest payment history, string is xxxxxxxxxxxx. However, tape reflects xxxxxxxxxxxx. | Initial |
| 67647045 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | As per the latest payment history, string reversed is xxxxxxxxxxxx. However, tape reflects xxxxxxxxxxxx. | Initial |
| 67647045 | xx | xx | Prepayment Penalty Indicator | Yes | No |  |  | As per note dated xx, prepayment rider is available in the loan file. However, tape reflects prepayment penalty doc status as No. | Initial |
| 67647045 | xx | xx | Property Address Street | xx | xx |  |  | No Discrepancies. | Initial |
| 67647045 | xx | xx | Stated Remaining Term | xxx | xxx | x | x.xxxxx% | As per note dated xx, stated remaining term is xxx months. However, tape reflects xxx months. | Initial |
| 67647045 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxxx.xx | xx.xxxxx% | As per the latest payment history, total debt/legal balance is $xxx,xxx.xx. However, tape reflects $xxx,xxx.xx. | Initial |
| 67647045 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxx.xx | $xxxxx.xx | $-xx.xx | -x.xxxxx% | As per the latest payment history, current unpaid principal balance is $xx,xxx.xx. However, tape reflects $xx,xxx.xx. | Initial |
| 92079167 | xx | xx | Borrower DTI Ratio Percent | Unavailable | xx.xxx% |  |  | As Application is missing in the loan file. Borrower DTI ratio percent is unavailable. however the tape data shows as xx.xxx%. | Initial |
| 92079167 | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Loan has been modified. So, did a modification change note terms yes. However the tape data shows as no. | Initial |
| 92079167 | xx | xx | Last Payment Received Date | xx/xx/xxxx | x/x/xxxx | xxxx (Days) |  | As per payment history, last payment received date is x/xx/xxxx. however the tape data shows as x/x/xxxx. | Initial |
| 92079167 | xx | xx | Loan Amortization Type | Step | Fixed |  |  | As per note, loan amortization type is step. However the tape data shows as Fixed. | Initial |
| 92079167 | xx | xx | Loan Documentation Type | Unavailable | Full Documentation |  |  |  | Initial |
| 92079167 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxFFFFFFFFFFFFFFFF |  |  | As per payment history, payment history string is xxxxxxxxxxxx . However the tape data shows as xxxxxxxxFFFFFFFFFFFFFFFF. | Initial |
| 92079167 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | FFFFFFFFFFFFFFFFxxxxxxxx |  |  | As per payment history, payment history string reversed is xxxxxxxxxxxx. However the tape data shows as FFFFFFFFFFFFFFFFxxxxxxx. | Initial |
| 92079167 | xx | xx | Purpose of Refinance Per Application | Unavailable | Cash Out - Other |  |  | As application is missing in the loan. Purpose of refinance per application is unavailable however the tape data shows as cash out - other. | Initial |
| 92079167 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | As per hud-x, the purpose of transaction is refinance. Tape is reflecting it as cash-out. | Initial |
| 92079167 | xx | xx | Stated Remaining Term | xxx | xxx | -xx | -xx.xxxxx% | As per note, stated remaining term is xxx. However the tape data shows as xxx. | Initial |
| 75677009 | xx | xx | ARM Lifetime Cap Rate | xx.xxx% | x.xxx% | x.xxx% | x.xxxxx% | As per note, ARM lifetime cap rate is xx.xx%. However, tape reflects x.xx%. | Initial |
| 75677009 | xx | xx | Last Payment Received Date | xx/xx/xxxx | x/xx/xxxx | xxxx (Days) |  | Last payment received date is xx/xx/xxxx, as per the recent payment history; The tape data reflects xx/xx/xxxx. | Initial |
| 75677009 | xx | xx | Subject Property Type | PUD | Single Family |  |  | As per available document, subject property type is PUD. However, tape reflects single family. | Initial |
| 75677009 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxx.xx | $xxxxx.xx | $xxxx.xx | x.xxxxx% | Total debt/legal balance per payment history is $xx,xxx.xx; The tape data reflects $xx,xxx.xx. | Initial |
| 62952637 | xx | xx | Current Bankruptcy Status | Plan Confirmed (Ch. xx, xx) | Proof of Claim - Filed |  |  | Borrower filed bankruptcy chapter xx case #xx on xx and plan confirm on xx. However, the tape reflects Proof of claim- filed. | Initial |
| 62952637 | xx | xx | Current Occupancy | Occupied by Unknown Party | Owner (or Former): Primary Home |  |  | As per latest BPO report dated xx property is occupied by an unknown party and in good condition. However, the tape reflects Owner primary home. | Initial |
| 62952637 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | The loan modification agreement was made between borrower xx and xx, loan servicer for the lender and MERS Inc on xx. However, the tape reflects xx. | Initial |
| 62952637 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 62952637 | xx | xx | Escrow Advance Balance per Payment History | $xxxx.xx | $xxxx.xx | $-xxxx.xx | -xx.xxxxx% | Escrow advance balance per payment history is $xxxx.xx. However, the tape reflects $xxxx.xx. | Initial |
| 62952637 | xx | xx | Is REO Active? | Not Applicable | No |  |  | There is no post close foreclosure activity found. Hence REO active is No. | Initial |
| 62952637 | xx | xx | Loan Documentation Type | Unavailable | Full Documentation |  |  |  | Initial |
| 62952637 | xx | xx | Original Note Doc Date | xx | xx | -x (Days) |  | Original Note doc date is xx. However, the tape reflects xx. | Initial |
| 62952637 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | Payment history string reversed is xxxxxxxxxxxx. However, the tape reflects xxxxxxxxxxxx. | Initial |
| 62952637 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | Payment history string reversed is xxxxxxxxxxxx. However, the tape reflects xxxxxxxxxxxx. | Initial |
| 62952637 | xx | xx | Property Address Street | xx | xx |  |  | Subject property address Street as per Note is xx. However, tape reflects xx. | Initial |
| 62952637 | xx | xx | Stated Remaining Term | xxx | xxx | xx | x.xxxxx% | Stated remaining term as per Note is xxx. However, the tape reflects xxx. | Initial |
| 62952637 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxx.xx | $xxxxx.xx | $xxx.xx | x.xxxxx% | Total debt/legal balance per payment history is $xx,xxx.xx. However, the tape reflects $xx,xxx.xx. | Initial |
| 62952637 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxx.xx | $xxxxx.xx | $-xxx.xx | -x.xxxxx% | The current UPB as per payment history is $xxxxx.xx. However, the tape reflects $xx,xxx.xx. | Initial |
| 61490645 | xx | xx | Current Occupancy | Occupied by Unknown Party | Owner (or Former): Primary Home |  |  | investor | Initial |
| 61490645 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  | verfied MOD in file | Initial |
| 61490645 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | MI is not required. | Initial |
| 61490645 | xx | xx | Original Appraised Value | xx | xx | xx | xx.xxxxx% | verified appraisal | Initial |
| 61490645 | xx | xx | Original Note Doc Date | xx | xx | x (Days) |  | verfied note | Initial |
| 61490645 | xx | xx | Payment History String | xxxxxxxxxxx | xxxxxxxxxxxx |  |  | corrected | Initial |
| 61490645 | xx | xx | Payment History String Reversed | xxxxxxxxxxx | xxxxxxxxxxxx |  |  | corrected | Initial |
| 61490645 | xx | xx | Property Address Street | xx | xx |  |  | verfied mortgage | Initial |
| 61490645 | xx | xx | Stated Maturity Date | xx | xx | xx (Days) |  | based off MOD in file | Initial |
| 61490645 | xx | xx | Stated Remaining Term | xxx | xxx | xx | x.xxxxx% | based off MOD | Initial |
| 61490645 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxx.xx | $xxxxx.xx | $xxxxx.xx | xx.xxxxx% | Legal balance as per payment history is $xx,xxx.xx, tape is showing it as $xx,xxx.xx | Initial |
| 21782867 | xx | xx | Current Bankruptcy Status | Discharged | Lift Stay - Requested |  |  | As per PACER, the bankruptcy case was discharged. | Initial |
| 21782867 | xx | xx | Current Occupancy | Occupied by Unknown Party | Owner (or Former): Primary Home |  |  | As per latest property inspection report, property is occupied by unknown party. | Initial |
| 21782867 | xx | xx | Deferred Balance Amount | Not Applicable | $xxxx.xx |  |  | As per modification agreement made on xx, there is no deferred balance. | Initial |
| 21782867 | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | As loan was modified on xx, updated this field as Yes. | Initial |
| 21782867 | xx | xx | Interest Only Period? | Yes | No |  |  | As per Note there is interest only period, hence updated as Yes. | Initial |
| 21782867 | xx | xx | Is REO Active? | Not Applicable | No |  |  | As there is no foreclosure activity noted in comments history, this filed will be not applicable. | Initial |
| 21782867 | xx | xx | Lien Priority Type | Second | First |  |  | As per Final title policy, there is a senior mortgage in favor of xx. | Initial |
| 21782867 | xx | xx | Loan Amortization Type | Step | Fixed |  |  |  | Initial |
| 21782867 | xx | xx | Mod Step 1 Date | xx/x/xxxx | xx/x/xxxx | -xxxx (Days) |  | As per modification agreement dated xx, Mod step x date is xx/x/xxxx. | Initial |
| 21782867 | xx | xx | Mod Step 1 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | As per modification agreement dated xx, Mod step x rate is x% | Initial |
| 21782867 | xx | xx | Mod Step 2 Date | xx/x/xxxx | xx/x/xxxx | -xxx (Days) |  | As per modification agreement dated xx, Mod step x date is xx/x/xxxx | Initial |
| 21782867 | xx | xx | Mod Step 2 Rate | x.xxx% | x.xxx% | -x.xxx% | -x.xxxxx% | As per modification agreement dated xx, Mod step x rate is x% | Initial |
| 21782867 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxx |  |  | As per latest payment history. string reversed is xxxxxxxxxxxx. | Initial |
| 21782867 | xx | xx | Stated Remaining Term | xxx | xxx | xx | x.xxxxx% | As per Note, stated remaining terms are xxx | Initial |
| 21782867 | xx | xx | Subject Property Type | PUD | Single Family |  |  | As per Appraisal report, subject property type is PUD. | Initial |
| 21782867 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxxx.xx | x.xxxxx% | As per latest payment history, total debt is in the amount of $xxxxxx.xx. | Initial |
| 90903334 | xx | xx | Interest Only Period? | Yes | No |  |  | Note contain Interest only term. | Initial |
| 90903334 | xx | xx | Is REO Active? | Not Applicable | No |  |  | No evidence of post closing foreclosure found. This field auto Alt +N | Initial |
| 90903334 | xx | xx | Modification Interest Bearing Amount | $xxxxxx.xx | $xxxxxx.xx | $xxxx.xx | x.xxxxx% | Modification interest bearing amount is $xxxxxx.xx however tape data shows $xxxxxx.xx | Initial |
| 90903334 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxXXXXXXXXXX |  |  | Payment string as per pay history is xxxxxxxxxxxx however tape data shows xxxxxxxxxxxxxxXXXXXXXXXX | Initial |
| 90903334 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | XXXXXXXXXxxxxxxxxxxxxxxx |  |  | Payment string as per pay history is xxxxxxxxxxxx however tape data shows XXXXXXXxxxxxxxxxxxxx | Initial |
| 90903334 | xx | xx | Stated Remaining Term | xxx | xxx | xxx | xx.xxxxx% | Stated remaining term is xxx however tape data shows xxx. | Initial |
| 90104340 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | As per collection comments and supporting documents of updated title report the loan was in active foreclosure. | Initial |
| 90104340 | xx | xx | Loan Original Maturity Term Months | xxx | xxx | -xxx | -xx.xxxxx% | Loan original maturity term months are xxx as per Note. | Initial |
| 90104340 | xx | xx | Modification Interest Bearing Amount | $xxxxxx.xx | $xxxxxx.xx | $xxxx.xx | x.xxxxx% | Interest bearing amount as per modification agreement is $xxx,xxx.xx, however the tape is showing it as $xxx,xxx.xx | Initial |
| 90104340 | xx | xx | Original Stated Rate | xx.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | Stated original rate as per Note is xx.xx%, however as per tape it is x.xx% | Initial |
| 90104340 | xx | xx | Payment History String | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The payment string as per payment history is xxxxxxxxxxxx | Initial |
| 90104340 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxxxxxxxxxxxxxxxxxxx |  |  | The payment string as per payment history is xxxxxxxxxxxx | Initial |
| 90104340 | xx | xx | Property Address Street | xx | xx |  |  | The address as per Note and Mortgage is xx, however the tape is showing it as xx. | Initial |
| 90104340 | xx | xx | Stated Remaining Term | xxx | xxx | -xxx | -xx.xxxxx% | Stated remaining term after modification are xxx months , however tape is showing it as xxx. | Initial |
| 83901685 | xx | xx | Last Payment Received Date | x/xx/xxxx | x/xx/xxxx | xx (Days) |  | Last payment received date is x/xx/xxxx, taken from latest payment history. However, tape data shows x/xx/xxxx. | Initial |
| 83901685 | xx | xx | MERS MIN Number | Unavailable | xx |  |  | MERS MIN number is not available in the Mortgage document. However, tape data shows xx. | Initial |
| 83901685 | xx | xx | Mos Currently Delinquent per Payment History | xx | xx | -x | -x.xxxxx% | Mos currently delinquent per latest payment history is xx. However, tape data shows xx. | Initial |
| 83901685 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | -x.xxxxx% | As per appraisal report, original LTV is xx. However, tape data shows xx. | Initial |
| 83901685 | xx | xx | Payment History String | xxxxxxxxxxxx | bbbbbcccbaxx |  |  | As per latest payment history string is xxxxxxxxxxxx. However, tape data shows xxabcccbbbbbb. | Initial |
| 83901685 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxabcccbbbbb |  |  | As per latest payment history string reversed is xxxxxxxxxxxx. However, tape data shows xxabcccbbbbbb. | Initial |
| 83901685 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx, taken from Original Note. However, tape data shows xx. | Initial |
| 64491980 | xx | xx | Last Payment Received Date | xx/xx/xxxx | x/xx/xxxx | xxxx (Days) |  | The last payment received on x/xx/xxxx was reversed therefore the borrower is still due for x/x/xxxx. Payment received for due date x/x/xxxx was on x/x/xxxx. | Initial |
| 64491980 | xx | xx | Loan Documentation Type | Unavailable | Full Documentation |  |  |  | Initial |
| 64491980 | xx | xx | Mos Currently Delinquent per Payment History | x | xx | -xx | -xxx.xxxxx% | Per payment history borrower is currently delinquent for xx months. The last payment received on x/xx/xxxx was reversed therefore the borrower is still due for x/x/xxxx. | Initial |
| 64491980 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | This is Purchase transaction. Appraisal report is missing in loan file. Unable to calculate LTV. | Initial |
| 64491980 | xx | xx | Payment History String | xxxxxxxxxxxx | eedcbaxxxxxx |  |  | As per current payment history borrower is xxx+ days delinquent. | Initial |
| 64491980 | xx | xx | Payment History String Reversed | xxxxxxxxxxxx | xxxxxxadcdee |  |  | As per current payment history borrower is xxx+ days delinquent. | Initial |
| 64491980 | xx | xx | Property Address Street | xx | xx |  |  | No Discrepancy. | Initial |
| 19201935 | xx | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | As per note, borrower #x Middle name is not applicable. However, tape reflects xx. | Initial |
| 19201935 | xx | xx | Current Bankruptcy Proof of Claim (POC) Date | xx | xx | xx (Days) |  | As per POC, current bankruptcy proof of claim date is xx, however tape data reflects xx. | Initial |
| 19201935 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | As per appraisal, the LTV is xx, hence, MI is not required, however, tape data reflects NO. | Initial |
| 19201935 | xx | xx | Escrow Advance Balance per Payment History | $xxxxx.xx | $xxxxx.xx | $-xxx.xx | -x.xxxxx% | As per payment history, Escrow advance balance is $xxxx.xx, however, tape data reflects $xxxxx. | Initial |
| 19201935 | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | As per note, there is no Neg. Amort potential, however, tape data reflects NO. | Initial |
| 19201935 | xx | xx | Original Appraisal Date | xx | xx | -xxx (Days) |  | As per appraisal report, original appraisal date is xx, however, tape data reflects xx. | Initial |
| 19201935 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | As per appraisal report, original standard LTV is xx, however, tape data reflects xx. | Initial |
| 19201935 | xx | xx | Suspense Balance per Payment History | $x.xx | $xxxx.xx | $-xxxx.xx | -xxx.xxxxx% | Suspense balance per payment history is $x.xx. However, tape reflects $x,xxx.xx. | Initial |
| 19201935 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxxx.xx | xx.xxxxx% | As per payment history, total debt / legal balance is $xxxxxx.xx, however, tape data reflects $xxxxxx.xx. | Initial |
| 19201935 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxx.xx | -x.xxxxx% | As per payment history, unpaid current principal balance is $xxxxxx.xx, however, tape data reflects $xxxxxx.xx. | Initial |
| 19201935 | xx | xx | Value Used By Lender For LTV | xx | xx | xx | xxxxxx.xxxxx% | As per appraisal repot, value use by lender for LTV is xx, however, tape data reflects xx. | Initial |
| 30694972 | xx | xx | Current Occupancy | Owner (or Former): Primary Home | Vacant |  |  | Property inspection report completed on xx shows, the property may be vacant but, borrower called and said she is still living in the property. | Initial |
| 30694972 | xx | xx | Deferred Balance Amount | $xxxxxx.xx | $xxxxx.xx | $xxxxx.xx | xx.xxxxx% | Deferred balance amount is $xxx,xxx.xx, However the tape data is showing $xx,xxx.xx. | Initial |
| 30694972 | xx | xx | Deferred Principal (Modification) per Payment History | $xxxxxx.xx | $xxxxx.xx | $xxxxx.xx | xx.xxxxx% | Deferred principal (Modification) per payment history is $xxx,xxx.xx, however the tape data is showing $xx,xxx.xx. | Initial |
| 30694972 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI? is Not applicable, However the tape data is showing No. System generated not applicable field. | Initial |
| 30694972 | xx | xx | Escrow Advance Balance per Payment History | $xxxx.xx | $xxx.xx | $xxxx.xx | xxx.xxxxx% | Escrow balance per latest payment history is $xxxx.xx. | Initial |
| 30694972 | xx | xx | Interest Only Period? | No | Yes |  |  | There is no any interest only period. However the tape data is showing yes. | Initial |
| 30694972 | xx | xx | Interest Only Term Months Count | Not Applicable | xx |  |  | Per Note terms, there is no any interest only period. Interest only term months court is Not Applicable, However the tape date is showing xx. | Initial |
| 30694972 | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  | No discrepancy. This is Fixed rate Note. | Initial |
| 30694972 | xx | xx | Original Appraisal Date | xx | xx | -xxx (Days) |  | Original appraisal date is xx however the tape data is showing xx. | Initial |
| 30694972 | xx | xx | Original Standard LTV (OLTV) | xx | xx | xx | x.xxxxx% | Original standard LTV (OLTV) is xx, However the tape data is showing xx. | Initial |
| 30694972 | xx | xx | Original Stated P&I | xx | xx | xx | xx.xxxxx% | Original stated P&I is xx, However the tape data is showing xx | Initial |
| 30694972 | xx | xx | Original Stated Rate | x.xxxxx% | x.xxxxx% | x.xxxxx% | x.xxxxx% | original stated rate is $x.xxxxx%, However the tape data is showing x.xxxxx%. | Initial |
| 30694972 | xx | xx | Suspense Balance per Payment History | $xxx.xx | $xxx.xx | $-xxx.xx | -xx.xxxxx% | Per latest payment history suspense balance is $xxx.xx. | Initial |
| 30694972 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxxx.xx | xx.xxxxx% | Total debt / Legal balance per payment history is $xxx,xxx, However the tape data is showing $xxx,xxx.xx. | Initial |
| 30694972 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxx.xx | $xxxxxx.xx | $-xxxxx.xx | -xx.xxxxx% | As per Payment history as of date x/xx/xxxx current UPB is reflecting in the amount of $xx,xxx.xx and as per last modification terms dated on x/x/xxxx there is deferred balance of $xxx,xxx.xx. Total UPB is $xxx,xxx.xx. However, tape is reflecting UPB in the amount of $xxx,xxx.xx and deferred balance of $xx,xxx.xx. | Initial |
| 30694972 | xx | xx | Value Used By Lender For LTV | xx | xx | xx | xxxxx.xxxxx% | value used by lender for LTV is xx however tape data is showing xx. Appraised value and sales price is xx. | Initial |
| 82042435 | xx | xx | Current Bankruptcy Proof of Claim (POC) Date | xx | xx | -x (Days) |  |  | Initial |
| 82042435 | xx | xx | Doc Date of Last Modification | xx | xx | -xx (Days) |  |  | Initial |
| 82042435 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 82042435 | xx | xx | Escrow Advance Balance per Payment History | $xxxx.xx | $xxxx.xx | $-xxxx.xx | -xx.xxxxx% |  | Initial |
| 82042435 | xx | xx | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 82042435 | xx | xx | Original Appraisal Date | xx | xx | -xx (Days) |  |  | Initial |
| 82042435 | xx | xx | Sales Price (HUD-1 Line 101) | Not Applicable | xx |  |  |  | Initial |
| 82042435 | xx | xx | Total Debt / Legal Balance per Payment History | $xxxxxx.xx | $xxxxxx.xx | $xxxxx.xx | xx.xxxxx% |  | Initial |
| 82042435 | xx | xx | Unpaid Current Principal Balance (UPB) per Payment History | $xxxxxx.xx | $xxxxxx.xx | $-xxx.xx | -x.xxxxx% |  | Initial |
| 82042435 | xx | xx | Value Used By Lender For LTV | xx | xx | xx | xxxxxx.xxxxx% |  | Initial |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 5**

---

| | | | |
|:---|:---|:---|:---|
| **Redacted ID** | **Loan #1** | **Loan #2** | **Delinquent Tax** |
| 11224340 | xx | xx | xx |
| 39168964 | xx | xx | xx |
| 21300405 | xx | xx | xx |
| 23916715 | xx | xx | xx |
| 24890001 | xx | xx | xx |
| 61323797 | xx | xx | xx |
| 27473363 | xx | xx | xx |
| 30230350 | xx | xx | xx |
| 30274828 | xx | xx | xx |
| 35599750 | xx | xx | xx |
| 35796962 | xx | xx | xx |
| 3744603 | xx | xx | xx |
| 39714037 | xx | xx | xx |
| 43667522 | xx | xx | xx |
| 72779778 | xx | xx | xx |
| 44474613 | xx | xx | xx |
| 53571136 | xx | xx | xx |
| 55101209 | xx | xx | xx |
| 68959586 | xx | xx | xx |
| 73985725 | xx | xx | xx |
| 83640593 | xx | xx | xx |
| 65568249 | xx | xx | xx |
| 27714665 | xx | xx | xx |
| 90923872 | xx | xx | xx |
| 78401450 | xx | xx | xx |
| 96747267 | xx | xx | xx |
| 51177572 | xx | xx | xx |
| 98527136 | xx | xx | xx |
| 75428374 | xx | xx | xx |
| 58052412 | xx | xx | xx |
| 35104782 | xx | xx | xx |
| 45083530 | xx | xx | xx |
| 29669339 | xx | xx | xx |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Redacted ID** | **Loan #1** | **Loan #2** | **Property State** | **Total HOA Lien Amount** |
| 54895590 | xx | xx | New Jersey | xx |
| 54607106 | xx | xx | Washington D.C. | xx |
| 82042435 | xx | xx | New Jersey | xx |
| 46614679 | xx | xx | Florida | xx |
| 49197531 | xx | xx | New Jersey | xx |
| 21876624 | xx | xx | Maryland | xx |
| 2497079 | xx | xx | Alabama | xx |
| 89322896 | xx | xx | New Jersey | xx |
| 10205761 | xx | xx | Maryland | xx |
| 27714665 | xx | xx | Maryland | xx |
| 95809929 | xx | xx | Tennessee | xx |
| 78401450 | xx | xx | Maryland | xx |
| 48677946 | xx | xx | New Jersey | xx |
| 86880494 | xx | xx | Florida | xx |
| 35368715 | xx | xx | Missouri | xx |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Redacted ID** | **Loan #1** | **Loan #2** | **Property State** | **Total Muni and Code Lien Amount** |
| 35368715 | xx | xx | Missouri | xx |
| 76658544 | xx | xx | Pennsylvania | xx |
| 61323797 | xx | xx | Florida | xx |
| 69498514 | xx | xx | Illinois | xx |
| 72495414 | xx |  | Florida | xx |
| 80145263 | xx | xx | Pennsylvania | xx |
| 62312001 | xx | xx | New Jersey | xx |
| 95109653 | xx | xx | Pennsylvania | xx |
| 69182265 | xx | xx | Maryland | xx |
| 19162608 | xx | xx | Pennsylvania | xx |
| 77756306 | xx | xx | Maryland | xx |
| 14639191 | xx | xx | Washington | xx |
| 61490645 | xx | xx | Pennsylvania | xx |
| 25806992 | xx | xx | Maryland | xx |
| 15254522 | xx | xx | Pennsylvania | xx |
| 58437871 | xx | xx | Washington D.C. | xx |
| 70290718 | xx | xx | New Jersey | xx |
| 96367069 | xx | xx | Maryland | xx |
| 6601110 | xx | xx | Pennsylvania | xx |
| 90784868 | xx | xx | Missouri | xx |
| 94194444 | xx | xx | Missouri | xx |
| 92560399 | xx | xx | Connecticut | xx |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redacted ID** | **Loan Number** | **Loan Number 2** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Agency Grade** | **Final Overall Credit Grade** | **Final Overall Compliance Grade** | **Final Overall Property Grade** | **DBRS INITIAL Overall Agency Grade** | **DBRS FINAL Overall Agency Grade** | **DBRS INITIAL Credit Grade** | **DBRS FINAL Credit Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **DBRS INITIAL Property Grade** | **DBRS FINAL Property Grade** | **FITCH INITIAL Overall Agency Grade** | **FITCH FINAL Overall Agency Grade** | **FITCH INITIAL Credit Grade** | **FITCH FINAL Credit Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **FITCH INITIAL Property Grade** | **FITCH FINAL Property Grade** | **KROLL INITIAL Overall Agency Grade** | **KROLL FINAL Overall Agency Grade** | **KROLL INITIAL Credit Grade** | **KROLL FINAL Credit Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **KROLL INITIAL Property Grade** | **KROLL FINAL Property Grade** | **MOODY's INITIAL Overall Agency Grade** | **MOODY's FINAL Overall Agency Grade** | **MOODY's INITIAL Credit Grade** | **MOODY's FINAL Credit Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **MOODY's INITIAL Property Grade** | **MOODY's FINAL Property Grade** | **S&P INITIAL Overall Agency Grade** | **S&P FINAL Overall Agency Grade** | **S&P INITIAL Credit Grade** | **S&P FINAL Credit Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** | **S&P INITIAL Property Grade** | **S&P FINAL Property Grade** |
| 80036044 | xx | xx | xx | Georgia | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 42531345 | xx | xx | xx | Illinois | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 36790294 | xx | xx | xx | Idaho | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 7066522 | xx | xx | xx | Arizona | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 96685179 | xx | xx | xx | Washington | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 73009595 | xx | xx | xx | Oregon | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 37045662 | xx | xx | xx | Connecticut | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 63989573 | xx | xx | xx | New York | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 47236285 | xx | xx | xx | California | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 8869494 | xx | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 42468031 | xx | xx | xx | California | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 99800375 | xx | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 90923872 | xx | xx | xx | Michigan | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 50808189 | xx | xx | xx | Florida | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 41513455 | xx | xx | xx | Mississippi | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 89140020 | xx | xx | xx | Pennsylvania | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 23020572 | xx | xx | xx | Nevada | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 84591906 | xx | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 33261579 | xx | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 16869309 | xx | xx | xx | Kentucky | xx | Investor | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 3363862 | xx | xx | xx | Kentucky | xx | Investor | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 13803860 | xx | xx | xx | Kentucky | xx | Investor | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 81191707 | xx | xx | xx | Missouri | xx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 45892773 | xx | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 28856272 | xx | xx |  | Florida |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 14371676 | xx | xx | xx | Illinois | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 96069572 | xx | xx | xx | Maryland | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 70682549 | xx | xx | xx | South Carolina | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 79125576 | xx | xx | xx | Washington | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 71008660 | xx | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 52188812 | xx | xx | xx | Texas | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 15109141 | xx | xx | xx | Arizona | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 6868872 | xx | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 6184699 | xx | xx | xx | Massachusetts | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 32087966 | xx | xx | xx | New Hampshire | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 99016557 | xx | xx | xx | Pennsylvania | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 61593178 | xx | xx | xx | Connecticut | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 83890119 | xx | xx | xx | Tennessee | xx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 64507511 | xx | xx | xx | Delaware | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 79161369 | xx | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 55246385 | xx | xx | xx | Ohio | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 48021088 | xx | xx | xx | Massachusetts | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 86355997 | xx | xx | xx | New York | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 32100677 | xx | xx | xx | Delaware | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 81492744 | xx | xx | xx | Tennessee | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 80231632 | xx | xx | xx | North Carolina | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 15042960 | xx | xx | xx | New York | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 69382893 | xx | xx | xx | Massachusetts | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 87432226 | xx | xx | xx | Arkansas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 75166833 | xx | xx | xx | Ohio | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 27203434 | xx | xx | xx | New York | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 23356581 | xx | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 12922378 | xx | xx | xx | Indiana | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 60506044 | xx | xx | xx | Tennessee | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 40907398 | xx | xx | xx | Michigan | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 94608144 | xx | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 14474555 | xx | xx | xx | Michigan | xx | Primary | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 91389706 | xx | xx | xx | Tennessee | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 27514862 | xx | xx | xx | Pennsylvania | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 33396894 | xx | xx | xx | Florida | xx | Primary | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 20657382 | xx | xx | xx | Utah | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 39714037 | xx | xx | xx | California | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 68629084 | xx | xx | xx | California | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 37910080 | xx | xx | xx | Washington | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 63725350 | xx | xx | xx | Washington | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 70640905 | xx | xx | xx | Arizona | xx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 8776094 | xx | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 39230663 | xx | xx | xx | Virginia | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 52734717 | xx | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 75447857 | xx | xx | xx | Arizona | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 11136951 | xx | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 69264384 | xx | xx | xx | Georgia | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 56453026 | xx | xx | xx | Missouri | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 3681984 | xx | xx | xx | Arizona | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 15925711 | xx | xx | xx | North Dakota | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 10104614 | xx | xx | xx | Nevada | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 44502892 | xx | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 68959586 | xx | xx | xx | New York | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 45235771 | xx | xx | xx | Wyoming | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 7899777 | xx | xx | xx | Arizona | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 25549319 | xx | xx | xx | South Carolina | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 89891120 | xx | xx | xx | Nevada | xx | Investor | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 97181887 | xx | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 64346046 | xx | xx | xx | Illinois | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 39822507 | xx | xx | xx | Georgia | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 97933610 | xx | xx | xx | California | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 61778906 | xx | xx | xx | Illinois | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 47799957 | xx | xx | xx | Ohio | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 2749149 | xx | xx | xx | Georgia | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 26832236 | xx | xx | xx | Florida | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 28488966 | xx | xx | xx | California | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 33837192 | xx | xx | xx | Virginia | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 64784696 | xx | xx | xx | Florida | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 30230350 | xx | xx | xx | New York | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 43667522 | xx | xx | xx | Wisconsin | xx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 71172870 | xx | xx | xx | Tennessee | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 92103140 | xx | xx | xx | Tennessee | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 61403181 | xx | xx | xx | Tennessee | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 96669807 | xx | xx | xx | Florida | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 14855989 | xx | xx | xx | Missouri | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 988077 | xx | xx | xx | Indiana | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 64144580 | xx | xx | xx | Ohio | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 71184043 | xx | xx | xx | Tennessee | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 38116687 | xx | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 75606622 | xx | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 67403414 | xx | xx | xx | Tennessee | xx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 1665308 | xx | xx | xx | Tennessee | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 16766881 | xx | xx | xx | Tennessee | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 3736510 | xx | xx | xx | Tennessee | xx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 76225032 | xx | xx | xx | Tennessee | xx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 18155342 | xx | xx | xx | Florida | xx | Secondary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 59569001 | xx | xx | xx | Georgia | xx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 23668793 | xx | xx | xx | Georgia | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 35229657 | xx | xx | xx | New Mexico | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 33895961 | xx | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 30670129 | xx | xx | xx | Florida | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 39227046 | xx | xx | xx | Nebraska | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 11449265 | xx | xx | xx | Georgia | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 47185490 | xx | xx | xx | Arkansas | xx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 39781543 | xx | xx | xx | South Carolina | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 96703207 | xx | xx | xx | Florida | xx | Investor | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 74439960 | xx | xx | xx | Arizona | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 98630584 | xx | xx | xx | Virginia | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 88964286 | xx | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 80157634 | xx | xx | xx | Texas | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 47458590 | xx | xx | xx | North Carolina | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 31097065 | xx | xx | xx | Arkansas | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 35142105 | xx | xx | xx | Arkansas | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 31059726 | xx | xx | xx | North Carolina | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 26370143 | xx | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 51351759 | xx | xx | xx | Colorado | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 11724356 | xx | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 75495172 | xx | xx | xx | Massachusetts | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 96088177 | xx | xx | xx | Montana | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 55457130 | xx | xx | xx | Georgia | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 57515347 | xx | xx | xx | South Carolina | xx | Secondary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 24031746 | xx | xx | xx | California | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 73985725 | xx | xx | xx | Massachusetts | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 35599750 | xx | xx | xx | Virginia | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 63990653 | xx | xx | xx | Texas | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 2208067 | xx | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 47839814 | xx | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 41558848 | xx | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 58437871 | xx | xx | xx | Washington D.C. | xx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 78938505 | xx | xx | xx | Alaska | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 26507839 | xx | xx | xx | Ohio | xx | Investor | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 1093204 | xx | xx | xx | Pennsylvania | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 70327949 | xx | xx | xx | Arizona | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 19589047 | xx | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 23210895 | xx | xx | xx | Arizona | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 44288882 | xx | xx | xx | Pennsylvania | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 11709207 | xx | xx | xx | North Carolina | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 19097220 | xx | xx | xx | South Carolina | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 30846398 | xx | xx | xx | New Jersey | xx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 43782795 | xx | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 56869766 | xx | xx | xx | Pennsylvania | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 8344106 | xx | xx | xx | Virginia | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 97942943 | xx | xx | xx | Tennessee | xx | Investor | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 63156292 | xx | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 30782055 | xx | xx | xx | Virginia | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 64789089 | xx | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 38653527 | xx | xx | xx | California | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 6295501 | xx | xx | xx | North Carolina | xx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 98375588 | xx | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 92903049 | xx | xx | xx | Missouri | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 95510256 | xx | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 19599441 | xx | xx | xx | North Carolina | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 75443374 | xx | xx | xx | North Carolina | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 21199405 | xx | xx | xx | Georgia | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 67797513 | xx | xx | xx | Maine | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 61933111 | xx | xx | xx | Florida | xx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 67046589 | xx | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 96005222 | xx | xx | xx | North Carolina | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 14031271 | xx | xx | xx | Tennessee | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 25946824 | xx | xx | xx | Louisiana | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 32374480 | xx | xx | xx | Alabama | xx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 75578199 | xx | xx | xx | Tennessee | xx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 13508918 | xx | xx | xx | Tennessee | xx | Investor | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 81655152 | xx | xx | xx | Pennsylvania | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 42201238 | xx | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 12623465 | xx | xx | xx | South Carolina | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 15778929 | xx | xx | xx | North Carolina | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 80688425 | xx | xx | xx | Tennessee | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 36396010 | xx | xx | xx | North Carolina | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 24180614 | xx | xx | xx | Washington | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 2497079 | xx | xx | xx | Alabama | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 90784868 | xx | xx | xx | Missouri | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 28063788 | xx | xx | xx | Alabama | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 12468453 | xx | xx | xx | Alabama | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 38617903 | xx | xx | xx | Alabama | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 67512387 | xx | xx | xx | California | xx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 54854613 | xx | xx | xx | Rhode Island | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 99451946 | xx | xx | xx | Alabama | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 14639191 | xx | xx | xx | Washington | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 95029036 | xx | xx | xx | Tennessee | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 39534506 | xx | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 63422904 | xx | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 3278802 | xx | xx | xx | North Carolina | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 11224340 | xx | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 15351240 | xx | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 82382193 | xx | xx | xx | Florida | xx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 57547016 | xx | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 39717554 | xx | xx | xx | Georgia | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 96571614 | xx | xx | xx | Nevada | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 42272613 | xx | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 15517971 | xx | xx | xx | Virginia | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 71489390 | xx | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 52854461 | xx | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 69527793 | xx | xx | xx | South Carolina | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 88098992 | xx | xx | xx | Colorado | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 33503278 | xx | xx | xx | Colorado | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 75156663 | xx | xx | xx | Arkansas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 8869439 | xx | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 34222673 | xx | xx | xx | Missouri | xx | Primary | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 65736753 | xx | xx | xx | Georgia | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 13151485 | xx | xx | xx | Colorado | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 83137599 | xx | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 53571136 | xx | xx | xx | North Carolina | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 87625069 | xx | xx | xx | Illinois | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 26310222 | xx | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 57706992 | xx | xx | xx | Alabama | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 20500393 | xx | xx | xx | Tennessee | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 85842799 | xx | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 8702064 | xx | xx | xx | Wisconsin | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 81358413 | xx | xx | xx | Minnesota | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 3478009 | xx | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 50869863 | xx | xx | xx | Kansas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 47266896 | xx | xx | xx | Missouri | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 96750535 | xx | xx | xx | Illinois | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 84323873 | xx | xx | xx | Missouri | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 15492106 | xx | xx | xx | Georgia | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 3744603 | xx | xx | xx | Virginia | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 66766463 | xx | xx | xx | North Carolina | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 89610076 | xx | xx | xx | Maryland | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 78987039 | xx | xx | xx | North Carolina | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 80469061 | xx | xx | xx | North Carolina | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 90363091 | xx | xx | xx | Virginia | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 85840727 | xx | xx | xx | Tennessee | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 71017599 | xx | xx | xx | Florida | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 44503647 | xx | xx | xx | Indiana | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 82048849 | xx | xx | xx | Alabama | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 18910160 | xx | xx | xx | Minnesota | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 12524526 | xx | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 30740647 | xx | xx | xx | Texas | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 30274828 | xx | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 45707348 | xx | xx | xx | Alabama | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 37380914 | xx | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 74938097 | xx | xx | xx | Louisiana | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 24577866 | xx | xx | xx | Washington | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 32313554 | xx | xx | xx | Maryland | xx | Primary | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 48819550 | xx | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 20295823 | xx | xx | xx | California | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 92014440 | xx | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 15241506 | xx | xx | xx | Tennessee | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 17161484 | xx | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 5629975 | xx | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 18701833 | xx | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 22254666 | xx | xx | xx | California | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 75169659 | xx | xx | xx | Texas | xx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 61190697 | xx | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 21685947 | xx | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 25954116 | xx | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 81421778 | xx | xx | xx | Nevada | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 35115211 | xx | xx | xx | Maryland | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 62341034 | xx | xx | xx | Florida | xx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 8177316 | xx | xx | xx | Georgia | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 93252911 | xx | xx | xx | Arizona | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 63149668 | xx | xx | xx | Arizona | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 28810295 | xx | xx | xx | Maine | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 33411757 | xx | xx | xx | Illinois | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 51527259 | xx | xx | xx | Virginia | xx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 57709570 | xx | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 43261438 | xx | xx | xx | Florida | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 90054483 | xx | xx | xx | Ohio | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 57168596 | xx | xx | xx | Michigan | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 85328634 | xx | xx | xx | Wisconsin | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 19172309 | xx | xx | xx | Tennessee | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 35450316 | xx | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 57116423 | xx | xx | xx | New Mexico | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 62105179 | xx | xx | xx | Illinois | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 50855013 | xx | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 7390293 | xx | xx | xx | Connecticut | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 66828233 | xx | xx | xx | Pennsylvania | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 70290718 | xx | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 51766258 | xx | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 68832141 | xx | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 98527136 | xx | xx | xx | Massachusetts | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 59308503 | xx | xx | xx | North Carolina | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 78589583 | xx | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 72846554 | xx | xx | xx | Ohio | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 26585682 | xx | xx | xx | Arizona | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 85806167 | xx | xx | xx | North Carolina | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 23916715 | xx | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 46758967 | xx | xx | xx | Nevada | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 53587794 | xx | xx | xx | Nevada | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 91529896 | xx | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 66667755 | xx | xx | xx | Michigan | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 81397443 | xx | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 65930364 | xx | xx | xx | Maryland | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 44679991 | xx | xx | xx | Connecticut | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 83780078 | xx | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 5975524 | xx | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 11224718 | xx | xx | xx | New Jersey | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 36026137 | xx | xx | xx | New York | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 12799389 | xx | xx | xx | New Jersey | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 63846579 | xx | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 80367151 | xx | xx | xx | Massachusetts | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 12595896 | xx | xx | xx | Washington | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 85062409 | xx | xx | xx | Illinois | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 14208467 | xx | xx | xx | Pennsylvania | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 23385303 | xx | xx | xx | North Carolina | xx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 33895441 | xx | xx | xx | Michigan | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 44474613 | xx | xx | xx | California | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 68915992 | xx | xx | xx | Pennsylvania | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 24179826 | xx | xx | xx | Florida | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 89271158 | xx | xx | xx | Illinois | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 36999741 | xx | xx | xx | Illinois | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 32994559 | xx | xx | xx | California | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 56497351 | xx | xx | xx | Maryland | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 77567574 | xx | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 93266152 | xx | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 96747267 | xx | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 62476428 | xx | xx | xx | Florida | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 89409032 | xx | xx | xx | Texas | xx | Investor | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 1781755 | xx | xx | xx | Arizona | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 13351671 | xx | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 44571218 | xx | xx | xx | North Carolina | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 50227685 | xx | xx | xx | Hawaii | xx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 11421978 | xx | xx | xx | Texas | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 6944131 | xx | xx | xx | Pennsylvania | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 27473363 | xx | xx | xx | Michigan | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 83287964 | xx | xx | xx | Wisconsin | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 22166895 | xx | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 87289518 | xx | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 1692113 | xx | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 21171431 | xx | xx | xx | Texas | xx | Secondary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 2478382 | xx | xx | xx | North Carolina | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 79126681 | xx | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 65568249 | xx | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 3706989 | xx | xx | xx | Arizona | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 4862241 | xx | xx | xx | Washington | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 93487920 | xx | xx | xx | Florida | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 49293517 | xx | xx | xx | Arizona | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 21300405 | xx | xx | xx | Arizona | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 99266741 | xx | xx | xx | Arizona | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 53059159 | xx | xx | xx | Washington | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 91047648 | xx | xx | xx | Illinois | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 19902707 | xx | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 29735260 | xx | xx | xx | Illinois | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 90588749 | xx | xx | xx | Maryland | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 84316810 | xx | xx | xx | Washington | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 58435062 | xx | xx | xx | Minnesota | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 63288962 | xx | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 31811339 | xx | xx | xx | Illinois | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 46187893 | xx | xx | xx | Oregon | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 43792845 | xx | xx | xx | New Jersey | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 45239227 | xx | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 79017136 | xx | xx | xx | Illinois | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 93576006 | xx | xx | xx | Alabama | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 59679621 | xx | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 5561876 | xx | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 55563140 | xx | xx | xx | Illinois | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 35172666 | xx | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 45744551 | xx | xx | xx | Illinois | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 78133777 | xx | xx | xx | Massachusetts | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 17473777 | xx | xx | xx | Texas | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 5626036 | xx | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 99146666 | xx | xx | xx | Ohio | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 80725161 | xx | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 35796962 | xx | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 57275590 | xx | xx | xx | New York | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 1780886 | xx | xx | xx | South Carolina | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 24890001 | xx | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 69386987 | xx | xx | xx | Oregon | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 4697028 | xx | xx | xx | Pennsylvania | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 25581053 | xx | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 1012605 | xx | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 16690809 | xx | xx | xx | California | xx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 93291882 | xx | xx | xx | Montana | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 39758476 | xx | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 42432885 | xx | xx | xx | Indiana | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 9353482 | xx | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 26302703 | xx | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 54794084 | xx | xx | xx | Washington | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 29857387 | xx | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 85187951 | xx | xx | xx | Washington | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 52277699 | xx | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 26838097 | xx | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 7541565 | xx | xx | xx | Wisconsin | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 56723176 | xx | xx | xx | Texas | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 54734472 | xx | xx | xx | Louisiana | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 83210901 | xx | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 44649245 | xx | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 86608840 | xx | xx | xx | Ohio | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 35356732 | xx | xx | xx | Texas | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 13299397 | xx | xx | xx | Washington | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 81398347 | xx | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 25922588 | xx | xx | xx | Texas | xx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 3067936 | xx | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 16507049 | xx | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 94677536 | xx | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 91698333 | xx | xx | xx | Florida | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 85348121 | xx | xx | xx | Texas | xx | Secondary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 36207640 | xx | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 76689844 | xx | xx | xx | Illinois | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 4917545 | xx | xx | xx | Oregon | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 91778036 | xx | xx | xx | Pennsylvania | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 72518594 | xx | xx | xx | Tennessee | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 72779778 | xx | xx | xx | Florida | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 67865935 | xx | xx | xx | Michigan | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 53163814 | xx | xx | xx | South Carolina | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 92671254 | xx | xx | xx | Kentucky | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 51177572 | xx | xx | xx | Indiana | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 12326112 | xx | xx | xx | Georgia | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 89322896 | xx | xx | xx | New Jersey | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 45083530 | xx | xx | xx | Massachusetts | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 95340432 | xx | xx | xx | Ohio | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 54689217 | xx | xx | xx | Pennsylvania | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 4069043 | xx | xx | xx | New York | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 92922593 | xx | xx | xx | California | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 44093405 | xx | xx | xx | California | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 26215056 | xx | xx | xx | New Jersey | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 31547465 | xx | xx | xx | Maryland | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 8331179 | xx | xx | xx | Oregon | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 89764214 | xx | xx | xx | Pennsylvania | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 36019736 | xx | xx | xx | Maryland | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 69123464 | xx | xx | xx | Michigan | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 49271970 | xx | xx | xx | Louisiana | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 31297207 | xx | xx | xx | New Jersey | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 14025972 | xx | xx | xx | New Jersey | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 75429008 | xx | xx | xx | Pennsylvania | xx | Investor | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 96535494 | xx | xx | xx | New Jersey | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 11266987 | xx | xx | xx | Indiana | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 69182265 | xx | xx | xx | Maryland | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 88847202 | xx | xx | xx | North Carolina | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 96367069 | xx | xx | xx | Maryland | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 80145263 | xx | xx | xx | Pennsylvania | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 63465255 | xx | xx | xx | Massachusetts | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 56280168 | xx | xx | xx | New York | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 25806992 | xx | xx | xx | Maryland | xx | Secondary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 24801901 | xx | xx | xx | North Carolina | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 21876624 | xx | xx | xx | Maryland | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 2502708 | xx | xx | xx | Colorado | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 18940021 | xx | xx | xx | Ohio | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 29687154 | xx | xx | xx | Arizona | xx | Investor | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 81659981 | xx | xx | xx | Illinois | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 20753052 | xx | xx | xx | New Jersey | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 77766069 | xx | xx | xx | Arkansas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 14721450 | xx | xx | xx | Pennsylvania | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 69077855 | xx | xx | xx | New York | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 76586932 | xx | xx | xx | New York | xx | Investor | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 52500514 | xx | xx | xx | Oregon | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 95979856 | xx | xx | xx | New York | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 12974330 | xx | xx | xx | New Jersey | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 49902257 | xx | xx | xx | Pennsylvania | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 50969518 | xx | xx | xx | Ohio | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 95809929 | xx | xx | xx | Tennessee | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 15254522 | xx | xx | xx | Pennsylvania | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 17109869 | xx | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 35104782 | xx | xx | xx | New York | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 8753553 | xx | xx | xx | California | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 28815883 | xx | xx | xx | West Virginia | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 45315287 | xx | xx | xx | Pennsylvania | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 5679034 | xx | xx | xx | Pennsylvania | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 94543895 | xx | xx | xx | Oklahoma | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 6067696 | xx | xx | xx | Florida | xx | Investor | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 48017955 | xx | xx | xx | Texas | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 41592505 | xx | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 96224972 | xx | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 94064216 | xx | xx | xx | Arkansas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 53208210 | xx | xx | xx | Texas | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 91189554 | xx | xx | xx | Massachusetts | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 53730176 | xx | xx | xx | Wisconsin | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 61082415 | xx | xx | xx | Mississippi | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 32252285 | xx | xx | xx | Illinois | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 75826237 | xx | xx | xx | New Jersey | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 94194444 | xx | xx | xx | Missouri | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 50710462 | xx | xx | xx | New York | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 82784688 | xx | xx | xx | New Jersey | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 5417178 | xx | xx | xx | New York | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 39963388 | xx | xx | xx | Massachusetts | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 46614679 | xx | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 99421435 | xx | xx | xx | California | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 24366946 | xx | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 7239882 | xx | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 54221748 | xx | xx | xx | Louisiana | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 79279920 | xx | xx | xx | Texas | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 47329965 | xx | xx | xx | Tennessee | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 20389014 | xx | xx | xx | Missouri | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 19162608 | xx | xx | xx | Pennsylvania | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 63280678 | xx | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 85660488 | xx | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 12049549 | xx | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 48677946 | xx | xx | xx | New Jersey | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 58052412 | xx | xx | xx | Hawaii | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 27714665 | xx | xx | xx | Maryland | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 4843187 | xx | xx | xx | Maryland | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 91602793 | xx | xx | xx | California | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 37936527 | xx | xx | xx | California | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 10205761 | xx | xx | xx | Maryland | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 66363601 | xx | xx | xx | Oklahoma | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 32611490 | xx | xx | xx | North Carolina | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 73113247 | xx | xx | xx | Florida | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 79340806 | xx | xx | xx | Maryland | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 78401450 | xx | xx | xx | Maryland | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 95787313 | xx | xx | xx | Tennessee | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 79840105 | xx | xx | xx | Illinois | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 35074983 | xx | xx | xx | Washington | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 6601110 | xx | xx | xx | Pennsylvania | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 2898967 | xx | xx | xx | California | xx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 25380964 | xx | xx | xx | Maryland | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 35368715 | xx | xx | xx | Missouri | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 62272686 | xx | xx | xx | Maryland | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 16894221 | xx | xx | xx | Maryland | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 42359944 | xx | xx | xx | Massachusetts | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 99409310 | xx | xx | xx | California | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 27558455 | xx | xx | xx | Pennsylvania | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 98081671 | xx | xx | xx | Pennsylvania | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 33919705 | xx | xx | xx | Minnesota | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 66631843 | xx | xx | xx | Illinois | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 77756306 | xx | xx | xx | Maryland | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 76233623 | xx | xx | xx | New Jersey | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 53988264 | xx | xx | xx | Maryland | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 76658544 | xx | xx | xx | Pennsylvania | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 87392469 | xx | xx | xx | Illinois | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 54895590 | xx | xx | xx | New Jersey | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 22633413 | xx | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 95109653 | xx | xx | xx | Pennsylvania | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 74933444 | xx | xx | xx | Florida | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 1159622 | xx | xx | xx | Florida | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 28573117 | xx | xx | xx | Florida | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 83640593 | xx | xx | xx | Nebraska | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 75589699 | xx | xx | xx | Maryland | xx | Investor | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 92560399 | xx | xx | xx | Connecticut | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 21633272 | xx | xx | xx | Texas | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 2913512 | xx | xx | xx | New Jersey | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 69498514 | xx | xx | xx | Illinois | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 3496094 | xx | xx | xx | Kentucky | xx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 72495414 | xx |  | xx | Florida | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 6013968 | xx | xx | xx | California | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 86880494 | xx | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 28247610 | xx | xx | xx | Maryland | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 63407244 | xx | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 27183404 | xx | xx | xx | Alabama | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 8426018 | xx | xx | xx | North Carolina | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 88310795 | xx | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 14077771 | xx | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 39168964 | xx | xx | xx | Maryland | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 61323797 | xx | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 28115137 | xx | xx | xx | Massachusetts | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 54607106 | xx | xx | xx | Washington D.C. | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 75428374 | xx | xx | xx | Delaware | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 85548240 | xx | xx | xx | Georgia | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 55101209 | xx | xx | xx | Maryland | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 90304071 | xx | xx | xx | Nevada | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 37565687 | xx | xx | xx | Illinois | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 62312001 | xx | xx | xx | New Jersey | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 49618820 | xx | xx | xx | Illinois | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 96912015 | xx | xx | xx | Illinois | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 29669339 | xx | xx | xx | Hawaii | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 68785468 | xx | xx | xx | Washington | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 87787303 | xx | xx | xx | Michigan | xx | Primary | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 87133942 | xx | xx | xx | Massachusetts | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 49197531 | xx | xx | xx | New Jersey | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 67647045 | xx | xx | xx | Pennsylvania | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 92079167 | xx | xx | xx | Illinois | xx | Primary | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 75677009 | xx | xx | xx | Maryland | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 62952637 | xx | xx | xx | Michigan | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 61490645 | xx | xx | xx | Pennsylvania | xx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 21782867 | xx | xx | xx | California | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 90903334 | xx | xx | xx | Maryland | xx | Primary | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 90104340 | xx | xx | xx | Pennsylvania | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 83901685 | xx | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 64491980 | xx | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 19201935 | xx | xx | xx | Illinois | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 30694972 | xx | xx | xx | Illinois | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 82042435 | xx | xx | xx | New Jersey | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |

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## Exhibit 99.4

**Exhibit 99.4**

**UNITED STATES**

**SECURITY AND EXCHANGE COMMISSION**

Washington, D.C. 20549

FORM ABS DUE DILIGENCE-15E

CERTIFICATE OF PROVIDER OF THIRD-PARTY DUE DILIGENCE SERVICES<br> FOR ASSET BACKED-SECURITIES

Pursuant 17 CFR 240.17g-10, this Form must be used by a person providing third-party due diligence services in connection with an asset-backed security to comply with section 15E(s)(4)(B) of the Securities Exchange Act of 1934 requires a person providing the due diligence services to provide a written certification to any nationally recognized statistical rating organization that produces a credit rating to which such due diligence relate.

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

Legal Name: OneDiligence, LLC

Business Name (if Different): OneDiligence, LLC.

Principle Business Address: 9550 Regency Square Blvd Suite 906, Jacksonville, FL 32225

**Item 2. Identity of the person who paid the person to provide third-party due diligence services**<br> Legal Name: PRPM 2025-RCF4, LLC (also referred to as "The Requestor" in this form)<br> Business Name (if Different): N/A

Principle Business Address: 7114 E. Stetson Dr., Suite 250, Scottsdale, Arizona 85251

**Item 3. Credit rating criteria**

If the due diligence performed by the third party is intended to satisfy the criteria for due diligence published by a nationally recognized statistical rating organization, identify the national recognized statistical rating organization and the title and date of the published criteria (more than one nationally recognized statistical rating organization may be identified).

OneDiligence, LLC - 9550 Regency Square Blvd Suite 906, Jacksonville, FL 32225

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| | |
|:---|:---|
| **Fitch Ratings, Inc.** | **U.S. RMBS Rating Criteria, October 26, 2023** |
| **DBRS, Inc.** | **Third-Party Due-Diligence Criteria for U.S. RMBS Transactions, September 08, 2023** |

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

**Provide a description of the scope and manner of the due diligence services performed in connection with the review of assets that is sufficiently detailed to provide an understanding of the steps taken in performing the review. Include in the description: (1) the type of assets that were reviewed; (2) the sample size of the assets reviewed; (3) how the sample size was determined and, if applicable, computed; (4) whether the accuracy of information or data about the assets provided, directly or indirectly, by the securitizer or originator of the assets was reviewed and, if so, how the review was conducted; (5) whether the conformity of the origination of the assets to stated underwriting or credit extension guidelines, standards, criteria or other requirements was reviewed and, if so, how the review was conducted; (6) whether the value of collateral securing such assets was reviewed and, if so, how the review was conducted; (7) whether the compliance of the originator of the assets with federal, state, and local laws and regulations was reviewed and, if so, how the review was conducted; and (8) any other type of review that was part of the due diligence services conducted by the person executing this Form. This description should be attached to the Form and contain the heading "Item 4." Provide this description regardless of whether the due diligence performed is intended to satisfy the criteria for due diligence published by a nationally recognized statistical rating organization.**

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

**Provide a summary of the findings and conclusions that resulted from the due diligence services that is sufficiently detailed to provide an understanding of the findings and conclusions that were conveyed to the person identified in Item 2. This summary should be attached to the Form and contain the heading "Item 5."**

**CERTIFICATION**

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

**Name of Person Identified in Item 1: Alex Goldovsky, CEO OneDiligence, LLC**

<br> **(Print name of duly authorized person)**

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| | |
|:---|:---|
| **Date:** | **07/28/2025** |
| **Signature:** | ![](ex99-4_002.jpg) |

---

**OneDiligence, LLC - 9550 Regency Square Blvd Suite 906, Jacksonville, FL 32225**

**Annex #1 to Form ABS Due Diligence 15E**

Item 4. Description of the due diligence services performed

Provide a description of the scope and manner of the due diligence services performed in connection with the review of assets that is sufficiently detailed to provide an understanding of the steps taken in performing the review. Include in the description:

(1) The type of assets that were reviewed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The assets reviewed in this population were one-to-four family residential mortgage loans.

(2) The sample size of the assets reviewed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The sample consisted of 205 mortgage loans

(3) How the sample size was determined and, if applicable, computed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. OneDiligence, LLC performed the due diligence scope on the full loan population

(4) Whether the accuracy of information or data about the assets provided, directly or indirectly, by the securitizer or originator of the assets was reviewed and, if so, how the review was conducted;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The accuracy of the information provided by the securitizer was verified through examination of the land records.

(5) Whether the conformity of the origination of the assets to stated underwriting or credit extension guidelines, standards, criteria or other requirements was reviewed and, if so, how the review was conducted;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Item 5 is not applicable within scope of review

(6) Whether the value of collateral securing such assets was reviewed and, if so, how the review was

conducted;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Item 6 is not applicable within scope of review

(7) Whether the compliance of the originator of the assets with federal, state, and local laws and

regulations was reviewed and, if so, how the review was conducted;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Item 7 is not applicable within scope of review

(8) Any other type of review that was part of the due diligence services conducted by the person executing this Form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Please refer to Item 5 of Form ABS Due Diligence 15E.

OneDiligence, LLC - 9550 Regency Square Blvd Suite 906, Jacksonville, FL 32225

![](ex99-4_003.jpg)

Annex #2 to Form ABS Due Diligence 15E

Item 5. Summary of findings and conclusions of review

OneDiligence, LLC was engaged by PRPM 2025-RCF4, LLC (The Requestor) as diligence provider to order and review title reports for a population of 205 one-to-four family residential mortgage loans (the "Subject Loans"). As of review date, OneDiligence, LLC has received and reviewed a total of 205 Current Owner searches with up to date title and tax information on each loan. Title Policy was reviewed for any and all loans that had exceptions prior to Subject loan origination as shown in the table attached to this form.

With respect to these 205 loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. As set forth in the title reports, the subject mortgage is recorded in the appropriate recording jurisdiction for all mortgages examined.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. As set forth in the title reports, the subject mortgage is in 1st lien position, with the exception of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. 15 mortgage loans for which potentially superior post origination liens/judgments
were found of record. ProTitleUSA has confirmed that the state statutes referenced by Client are current statutes. ProTitleUSA has applied
the effective dates and statutes of limitations referenced by Client without making a legal determination as to the rights of priorities
of a potential lender, investor, or purchaser of interests in real estate and for those mortgage loans, the total amount of such potentially
superior post origination recorded liens/judgments is $15,412.13.

Scope for due diligence work:

This limited-scope was for around reviewing the most recent title reports provided by ProTitleUSA, Inc. Based on the title report, we captured the current lien position, potential assignment chain concerns, concerns with recordation and legal ownership; and any current and delinquent taxes.

Based on the searches for these loans, if any issue was identified the client was made aware and has made arrangements to assure the curative action has been taken. Based on the review, it was determined that there were no non-curable significant issues on the mortgaged properties.

Thank you, OneDiligence, LLC

About OneDiligence, LLC,

Legal entity name: OneDiligence, LLC

One Diligence, LLC, a subsidiary of ProTitleUSA, is a rated TPR firm using the latest Machine Learning and Data Extraction technologies which enables experienced underwriters to review loans much faster. With ProTitleUSA's automation and expertise of tax and title reviews, DocSolutionUSA's expertise of recorded documents, notes and title policy reviews, as well as the credit and compliance expertise of One Diligence's underwriting staff, One Diligence, LLC holds a very high standard on reliable, timely, versatile and competent reviews of real estate loans.

OneDiligence LLC - 9550 Regency Square Blvd Suite 906, Jacksonville, FL 32225

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| | |
|:---|:---|
| &nbsp;&nbsp;![](ex99-4_004.jpg) | &nbsp;&nbsp;**Exhibit A** |

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---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan # | State | &nbsp;&nbsp;MTG Lien Position | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;MTG Released? | Count of <br> Pre- <br> Origination <br> MTG Liens | Count of Pre- <br> Origination <br> Non-MTG <br> Liens | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TPOL Reviewed? | TPOL <br> Exception to <br> Pre- <br> Origination <br> MTG/Non- <br> MTG Liens? | Post- <br> Origination <br> Non-MTG <br> Liens <br> (Yes/No) | Superlien <br> State? <br> (Yes/No) | HOA <br> Lien? | Muni <br> Lien? | &nbsp;&nbsp;&nbsp;Delinquent Tax Amount |
| 1 | MA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 2 | ID | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 3 | MO | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 4 | VA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 5 | CO | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 6 | NC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 7 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 8 | IL | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-1 | $- |
| 9 | NY | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | No | $- |
| 10 | MA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 11 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 12 | IN | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 13 | DC | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 14 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 15 | SC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 16 | MD | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 17 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 18 | FL | 1 | No | 0 | 0 | Yes | No | Yes | Yes | No | No | $- |
| 19 | NJ | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 20 | NY | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | No | $4.69 |
| 21 | PA | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-1 | $- |
| 22 | NJ | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-1 | $- |
| 23 | GA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 24 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 25 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 26 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 27 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 28 | IL | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | No | $- |
| 29 | NY | 1 | No | 0 | 0 | Yes | No | No | Yes | No | No | $- |
| 30 | MS | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 31 | KY | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 32 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 33 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 34 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 35 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 36 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 37 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 38 | OH | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 39 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 40 | OK | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 41 | AZ | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 42 | CO | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 43 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 44 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 45 | FL | 1 | No | 0 | 0 | Yes | No | Yes | Yes | No | Yes-16 | $- |
| 46 | MO | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 47 | MN | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 48 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 49 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 50 | OH | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan # | State | &nbsp;&nbsp;MTG Lien Position | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;MTG Released? | Count of <br> Pre- <br> Origination <br> MTG Liens | Count of Pre- <br> Origination <br> Non-MTG <br> Liens | &nbsp;&nbsp;&nbsp;&nbsp;TPOL Reviewed? | TPOL <br> Exception to <br> Pre- <br> Origination <br> MTG/Non- <br> MTG Liens? | Post- <br> Origination <br> Non-MTG <br> Liens <br> (Yes/No) | Superlien <br> State? <br> (Yes/No) | HOA <br> Lien? | Muni <br> Lien? | &nbsp;&nbsp;&nbsp;Delinquent Tax Amount |
| 51 | MS | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 52 | CO | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 53 | GA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 54 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 55 | NJ | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | No | $2684.01 |
| 56 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 57 | NC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 58 | MN | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 59 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 60 | NC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 61 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 62 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 63 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 64 | UT | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 65 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 66 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 67 | OH | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 68 | CA | 1 | No | 0 | 0 | Yes | No | No | No | No | No | $- |
| 69 | NJ | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 70 | NC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 71 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 72 | MI | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 73 | OR | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | No | $1092.0 |
| 74 | CA | 1 | No | 0 | 0 | Yes | No | No | No | No | Yes-1 | $- |
| 75 | NY | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | No | $- |
| 76 | WA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 77 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 78 | CT | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 79 | GA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 80 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 81 | TX | 1 | No | 0 | 0 | Yes | No | No | Yes | No | No | $- |
| 82 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 83 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 84 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 85 | FL | 1 | No | 0 | 0 | Yes | No | Yes | Yes | No | No | $- |
| 86 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 87 | TX | 1 | No | 0 | 0 | Yes | No | No | Yes | No | No | $- |
| 88 | GA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 89 | CT | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 90 | CT | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 91 | OK | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 92 | ME | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 93 | NJ | 1 | No | 0 | 0 | Yes | No | Yes | Yes | No | Yes-1 | $- |
| 94 | OH | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 95 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 96 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 97 | NC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 98 | FL | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | No | $- |
| 99 | NC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 100 | WI | 1 | No | 0 | 0 | N/A | N/A | Yes | No | No | No | $35964.99 |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan # | State | &nbsp;&nbsp;MTG Lien Position | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;MTG Released? | Count of <br> Pre- <br> Origination <br> MTG Liens | Count of Pre- <br> Origination <br> Non-MTG <br> Liens | &nbsp;&nbsp;&nbsp;&nbsp;TPOL Reviewed? | TPOL <br> Exception to <br> Pre- <br> Origination <br> MTG/Non- <br> MTG Liens? | Post- <br> Origination <br> Non-MTG <br> Liens <br> (Yes/No) | Superlien <br> State? <br> (Yes/No) | HOA <br> Lien? | Muni <br> Lien? | &nbsp;&nbsp;&nbsp;Delinquent Tax Amount |
| 101 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 102 | NC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 103 | NY | 1 | No | 0 | 0 | Yes | No | Yes | Yes | No | Yes-1 | $- |
| 104 | CA | 1 | No | 0 | 0 | Yes | No | No | No | No | No | $- |
| 105 | CA | 1 | No | 0 | 0 | N/A | N/A | Yes | No | No | No | $7335.77 |
| 106 | CA | 1 | No | 0 | 0 | Yes | No | No | No | No | No | $- |
| 107 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 108 | CA | 1 | No | 0 | 0 | N/A | N/A | Yes | No | No | No | $- |
| 109 | NJ | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 110 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 111 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 112 | CO | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 113 | FL | 1 | No | 0 | 0 | Yes | No | No | Yes | No | No | $- |
| 114 | WA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 115 | CA | 1 | No | 0 | 0 | N/A | N/A | Yes | No | No | No | $46230.47 |
| 116 | CA | 1 | No | 0 | 0 | Yes | No | No | No | No | No | $- |
| 117 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 118 | CA | 1 | No | 0 | 0 | Yes | No | No | No | No | No | $- |
| 119 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 120 | CA | 1 | No | 0 | 0 | Yes | No | No | No | No | No | $- |
| 121 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 122 | CA | 1 | No | 0 | 0 | Yes | No | No | No | No | No | $- |
| 123 | NY | 1 | No | 0 | 0 | Yes | No | Yes | Yes | No | Yes-2 | $- |
| 124 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 125 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 126 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 127 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 128 | FL | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | No | $25177.60 |
| 129 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 130 | NJ | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 131 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 132 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 133 | NY | 1 | No | 0 | 0 | Yes | No | No | Yes | No | No | $- |
| 134 | CA | 1 | No | 0 | 0 | Yes | No | No | No | No | No | $- |
| 135 | OH | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 136 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 137 | DC | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 138 | MO | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 139 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 140 | CA | 1 | No | 0 | 0 | N/A | N/A | Yes | No | No | No | $- |
| 141 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 142 | GA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 143 | CA | 1 | No | 0 | 0 | N/A | N/A | Yes | No | No | Yes-1 | $- |
| 144 | CA | 1 | No | 0 | 0 | N/A | N/A | Yes | No | No | No | $9389.57 |
| 145 | KY | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 146 | IN | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 147 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 148 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 149 | NV | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-1 | $- |
| 150 | NV | 1 | No | 0 | 0 | Yes | No | No | Yes | No | No | $- |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan # | State | &nbsp;&nbsp;MTG Lien Position | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;MTG Released? | Count of <br> Pre- <br> Origination <br> MTG Liens | Count of Pre- <br> Origination <br> Non-MTG <br> Liens | &nbsp;&nbsp;&nbsp;&nbsp;TPOL Reviewed? | TPOL <br> Exception to <br> Pre- <br> Origination <br> MTG/Non- <br> MTG Liens? | Post- <br> Origination <br> Non-MTG <br> Liens <br> (Yes/No) | Superlien <br> State? <br> (Yes/No) | HOA <br> Lien? | Muni <br> Lien? | &nbsp;&nbsp;&nbsp;Delinquent Tax Amount |
| 151 | FL | 1 | No | 0 | 0 | Yes | No | Yes | Yes | No | No | $- |
| 152 | LA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 153 | GA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 154 | ME | 1 | No | 0 | 0 | N/A | N/A | Yes | No | No | No | $1078.43 |
| 155 | MA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 156 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 157 | OH | 1 | No | 0 | 0 | Yes | No | No | No | No | No | $- |
| 158 | WY | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 159 | MS | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 160 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 161 | MD | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-1 | $- |
| 162 | OH | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 163 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 164 | WV | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 165 | GA | 1 | No | 0 | 0 | N/A | N/A | Yes | No | No | No | $- |
| 166 | NY | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-1 | $- |
| 167 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 168 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 169 | UT | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 170 | IL | 1 | No | 0 | 0 | Yes | No | Yes | Yes | No | No | $4112.36 |
| 171 | OH | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 172 | FL | 1 | No | 0 | 0 | Yes | No | No | Yes | No | No | $- |
| 173 | CA | 1 | No | 0 | 0 | N/A | N/A | Yes | No | No | No | $4366.50 |
| 174 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 175 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 176 | OH | 1 | No | 0 | 0 | Yes | No | No | No | No | No | $- |
| 177 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 178 | TX | 1 | No | 0 | 0 | Yes | No | No | Yes | No | No | $- |
| 179 | NJ | 1 | No | 0 | 0 | Yes | No | No | Yes | No | No | $- |
| 180 | CA | 1 | No | 0 | 0 | N/A | N/A | Yes | No | No | Yes-3 | $- |
| 181 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 182 | NJ | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 183 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 184 | MD | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-1 | $- |
| 185 | WA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 186 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 187 | VA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 188 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 189 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 190 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 191 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 192 | NJ | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-1 | $- |
| 193 | NC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 194 | OK | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 195 | MO | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 196 | CA | 1 | No | 0 | 0 | Yes | No | No | No | No | No | $- |
| 197 | PA | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | No | $737.13 |
| 198 | OH | 1 | No | 0 | 0 | Yes | No | No | No | No | No | $- |
| 199 | VA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 200 | FL | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | No | $- |
| 201 | TX | 1 | No | 0 | 0 | Yes | No | No | Yes | No | No | $- |
| 202 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 203 | ME | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 204 | MN | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 205 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;![https:\|\|onediligence.com\|img\|logo.png](ex99-4sch1_001.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;![https:\|\|onediligence.com\|img\|logo.png](ex99-4sch1_001.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;![https:\|\|onediligence.com\|img\|logo.png](ex99-4sch1_001.jpg) |  |  |  |  |  |  |
| **Client Ln#** | **Order#** | **Deal ID** | **Review Date** | **Parcel** | **Tax Cert Delinquency?** | **Tax Lien Amount** | **Delinquent Tax Amount** | **Amount Good Through Date** |
| 1 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 2 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 3 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 4 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 5 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 6 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 7 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 8 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 9 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 10 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 11 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 12 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 13 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 14 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 15 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 16 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 17 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 18 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 19 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 20 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $4.69 | 7/31/2025 |
| 21 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 22 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 23 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 24 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 25 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 26 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 27 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 28 | REDACTED | REDACTED | REDACTED | REDACTED | n | $- | $- | N/A |
| 29 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 30 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 31 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 32 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 33 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 34 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 35 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 36 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 37 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 38 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 39 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 40 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 41 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 42 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 43 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 44 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 45 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 46 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 47 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 48 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 49 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 50 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 51 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 52 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 53 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 54 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 55 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $2684.01 | 5/31/2025 |
| 56 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 57 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 58 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 59 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 60 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 61 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 62 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 63 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 64 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 65 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 66 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 67 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 68 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 69 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 70 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 71 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 72 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 73 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $1092.00 | 5/31/2025 |
| 74 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 75 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 76 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 77 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 78 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 79 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 80 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 81 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 82 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 83 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 84 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 85 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 86 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 87 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 88 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 89 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 90 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 91 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 92 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 93 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 94 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 95 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 96 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 97 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 98 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 99 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 100 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $35964.99 | 5/31/2025 |
| 101 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 102 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 103 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 104 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 105 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $7335.77 | 4/30/2025 |
| 106 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 107 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 108 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 109 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 110 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 111 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 112 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 113 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 114 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 115 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $46230.47 | 4/17/2025 |
| 116 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 117 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 118 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 119 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 120 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 121 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 122 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 123 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 124 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 125 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 126 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 127 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 128 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $25177.60 | 4/30/2025 |
| 129 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 130 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 131 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 132 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 133 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 134 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 135 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 136 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 137 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 138 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 139 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 140 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 141 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 142 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 143 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 144 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $9389.57 | 6/30/2025 |
| 145 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 146 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 147 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 148 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 149 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 150 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 151 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 152 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 153 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 154 | REDACTED | REDACTED | REDACTED | REDACTED | Y | $1078.43 | $1078.43 | N/A |
| 155 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 156 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 157 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 158 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 159 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 160 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 161 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 162 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 163 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 164 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 165 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 166 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 167 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 168 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 169 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 170 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $4112.36 | 6/30/2025 |
| 171 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 172 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 173 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $4366.50 | 5/31/2025 |
| 174 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 175 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 176 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 177 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 178 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 179 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 180 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 181 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 182 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 183 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 184 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 185 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 186 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 187 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 188 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 189 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 190 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 191 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 192 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 193 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 194 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 195 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 196 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 197 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $737.13 | 6/30/2025 |
| 198 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 199 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 200 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 201 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 202 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 203 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 204 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 205 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

---

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| **Client Loan#** | **Order#** | **Deal ID** | **Review Date** | **Note Date** | **Original Loan Amount** | **State** | **Expected MTG Lien Position** | **Pre-Origination Findings** | **MTG Lien Position** | **MTG Released?** | **Count of Pre-Origination MTG Liens** | **Total Dollar Amount of Pre-Origination MTG Lien(s)** | **Count of Pre-Origination Non-MTG Liens** | **Total Dollar Amount of Pre-Origination Non-MTG Lien(s)** | **TPOL Review Needed?** | **TPOL Reviewed?** | **TPOL Exception to Pre-Origination MTG/Non-MTG Liens?** | **Specific TPOL Exceptions** | **Post-Origination Non-MTG Liens (Yes/No)** | **Superlien State? (Yes/No)** | **HOA Lien?** | **HOA Amount** | **Muni Lien?** | **Muni Amount** |
| 1 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 2 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ID | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 3 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MO | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 4 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | VA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 5 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CO | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 6 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 7 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 8 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-1 | $175.00 |
| 9 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | No | $- |
| 10 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 11 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 12 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 13 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | DC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 14 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 15 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | SC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 16 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MD | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 17 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 18 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | Yes | Yes | No | $- | No | $- |
| 19 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 20 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | No | $- |
| 21 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-1 | $2.96 |
| 22 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-1 | $146.04 |
| 23 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 24 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 25 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 26 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 27 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 28 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | No | $- |
| 29 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | Yes | No | $- | No | $- |
| 30 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MS | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 31 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | KY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 32 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 33 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 34 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 35 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 36 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 37 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 38 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 39 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 40 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OK | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 41 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AZ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 42 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CO | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 43 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 44 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 45 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | Yes | Yes | No | $- | Yes-16 | $1418.88 |
| 46 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MO | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 47 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 48 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 49 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 50 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 51 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MS | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 52 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CO | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 53 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 54 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 55 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | No | $- |
| 56 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 57 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 58 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 59 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 60 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 61 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 62 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 63 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 64 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | UT | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 65 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 66 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 67 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 68 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | No | No | $- | No | $- |
| 69 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 70 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 71 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 72 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MI | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 73 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OR | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | No | $- |
| 74 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | No | No | $- | Yes-1 | $- |
| 75 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | No | $- |
| 76 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 77 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 78 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CT | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 79 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 80 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 81 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | Yes | No | $- | No | $- |
| 82 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 83 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 84 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 85 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | Yes | Yes | No | $- | No | $- |
| 86 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 87 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | Yes | No | $- | No | $- |
| 88 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 89 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CT | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 90 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CT | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 91 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OK | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 92 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ME | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 93 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | Yes | Yes | No | $- | Yes-1 | $123.55 |
| 94 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 95 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 96 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 97 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 98 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | No | $- |
| 99 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 100 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WI | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | No | No | $- | No | $- |
| 101 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 102 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 103 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | Yes | Yes | No | $- | Yes-1 | $42.00 |
| 104 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | No | No | $- | No | $- |
| 105 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | No | No | $- | No | $- |
| 106 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | No | No | $- | No | $- |
| 107 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 108 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | No | No | $- | No | $- |
| 109 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 110 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 111 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 112 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CO | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 113 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | Yes | No | $- | No | $- |
| 114 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 115 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | No | No | $- | No | $- |
| 116 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | No | No | $- | No | $- |
| 117 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 118 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | No | No | $- | No | $- |
| 119 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 120 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | No | No | $- | No | $- |
| 121 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 122 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | No | No | $- | No | $- |
| 123 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | Yes | Yes | No | $- | Yes-2 | $10537.34 |
| 124 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 125 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 126 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 127 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 128 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | No | $- |
| 129 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 130 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 131 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 132 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 133 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | Yes | No | $- | No | $- |
| 134 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | No | No | $- | No | $- |
| 135 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 136 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 137 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | DC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 138 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MO | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 139 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 140 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | No | No | $- | No | $- |
| 141 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 142 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 143 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | No | No | $- | Yes-1 | $128.08 |
| 144 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | No | No | $- | No | $- |
| 145 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | KY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 146 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 147 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 148 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 149 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NV | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-1 | $543.86 |
| 150 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NV | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | Yes | No | $- | No | $- |
| 151 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | Yes | Yes | No | $- | No | $- |
| 152 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | LA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 153 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 154 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ME | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | No | No | $- | No | $- |
| 155 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 156 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 157 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | No | No | $- | No | $- |
| 158 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 159 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MS | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 160 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 161 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MD | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-1 | $187.90 |
| 162 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 163 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 164 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WV | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 165 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | No | No | $- | No | $- |
| 166 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-1 | $403.63 |
| 167 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 168 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 169 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | UT | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 170 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | Yes | Yes | No | $- | No | $- |
| 171 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 172 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | Yes | No | $- | No | $- |
| 173 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | No | No | $- | No | $- |
| 174 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 175 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 176 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | No | No | $- | No | $- |
| 177 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 178 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | Yes | No | $- | No | $- |
| 179 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | Yes | No | $- | No | $- |
| 180 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | No | No | $- | Yes-3 | $1200.00 |
| 181 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 182 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 183 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 184 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MD | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-1 | $178.67 |
| 185 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 186 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 187 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | VA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 188 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 189 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 190 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 191 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 192 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-1 | $324.22 |
| 193 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 194 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OK | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 195 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MO | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 196 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | No | No | $- | No | $- |
| 197 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | No | $- |
| 198 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | No | No | $- | No | $- |
| 199 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | VA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 200 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | No | $- |
| 201 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | Yes | Yes | No | N/A | No | Yes | No | $- | No | $- |
| 202 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 203 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ME | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 204 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 205 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |

---

## Exhibit 99.5

**Exhibit 99.5**

![](ex99-5_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by PRPM 2025-RCF4, LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted on mortgage loans with origination dates from March 1988 through December 2024 via files imaged and provided by the Client's designee for review.

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

The initial population consisted of 235 mortgage loans.

The mortgage loan review sample was broken down into the following review scopes:

---

| | |
|:---|:---|
| \* "Credit and Compliance Review": | 132 mortgage loans |
| \* "Compliance Only Review": | 77 mortgage loans |
| \* "Business Purpose Review": | 8 mortgage loans |
| \* "Business Purpose and Limited Compliance Review": | 18 mortgage loans |
| \* "Title Review": | 54 mortgage loans |

---

The final population of the Review covered 235 mortgage loans totaling an aggregate original principal balance of approximately $77.012 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E.

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

AMC compared data fields on the tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. For the purposes of this disclosure, AMC's review only included fields that were included in a related data integrity review being performed by another vendor and did not include all fields that may have been available for data comparison at the time of original acquisition. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Interest Collection Type | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Origination Channel |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;Originator Application Date |
| &nbsp;&nbsp;As-Is Value Used For LTV Calculation | &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Other Financing Junior Total Original Loan Amount |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Other Financing Senior Total Balance |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;Payment Change Frequency |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;PITIA Reserves Months |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;PMI Company |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;PMI Coverage % |
| &nbsp;&nbsp;Borrower Middle Name | &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;PMI MI Certificate Number |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Late Charge Percent | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Lender | &nbsp;&nbsp;Prepayment Terms |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Line Limit | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Coborrower Middle Name | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Rounding Factor |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Next Interest Rate Change Date | &nbsp;&nbsp;Total PITIA |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Flood Certificate/Order Number | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Hard Penalty Period (months) | &nbsp;&nbsp;Original CLTV |  |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Original Interest Rate |  |

---

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**<u>BUSINESS PURPOSE SCOPE</u>**

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. For this review, procedures followed included:

▪ Reviewing the provided Note, Mortgage/DOT,
and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation.

▪ Examining appraisal reports, BPO's,
and appraisal reviews to determine if the property type is consistent with underwritten property type and usage (such as evidence/an indication
of either owner or tenant occupancy) and comparing this information against other relevant information contained within applicable sections
of the loan file to evaluate consistency, accuracy, and adheres to the credit policy.

▪ Reviewing environmental reporting,
Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements.

▪ Reviewing credit reporting, VOR/VOM,
Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency
with the Final Loan Approval worksheet.

▪ Reviewing HUD-1's, Title Search,
Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC
as well as adherence to credit policy requirements.

▪ Reviewing LOI/LOE(s) for presence of
un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property
address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s).

▪ Reviewing Final Form 1003/Loan application
to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for
the Individual(s) is an address other than the subject property.

▪ Confirming, if applicable, business
license(s) and P&L's are present, valid, and adheres to credit policy requirements.

▪ Confirming, if applicable, second mortgage
documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements.

▪ Reviewing final loan approval worksheets
for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other
documentation contained in the review file.

▪ Reviewing the Certification of Business
Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of a completed fields, and verifying that the hand written
Primary Residence address differs from the subject property address, and is signed/dated as required.

▪ Verifying presence of a complete Certification
of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty
agreement, including the presence of either individual certifications or one certificate containing all required signatures.

▪ Comparing the Primary Residence address(es)
listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity.

▪ Documenting any non-approved credit
policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue.

▪ Reviewing and calculating that the
DSCR and/or Property DTI conforms with applicable guidelines.

Documents reviewed include the following items (\* = where applicable):

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Appraisal Report | &nbsp;&nbsp;Deed of Trust / Mortgage | &nbsp;&nbsp;Non-Owner-Occupancy & Business – Purpose Letter of Intent (LOI) / Letter of Explanation (LOE) |
| &nbsp;&nbsp;Appraisal Review documentation\* | &nbsp;&nbsp;Environmental reports\* | &nbsp;&nbsp;Note |
| &nbsp;&nbsp;Background check | &nbsp;&nbsp;Evidence of Hazard / Liability / Flood Insurance coverage | &nbsp;&nbsp;Purchase agreement(s)\* |
| &nbsp;&nbsp;Broker Price Opinion and market rent addendum\* | &nbsp;&nbsp;Existing Leases\* | &nbsp;&nbsp;Rent Roll\* |
| &nbsp;&nbsp;Business License\* | &nbsp;&nbsp;Final Form 1003 / Loan Application(s) | &nbsp;&nbsp;Second mortgage documentation\* |
| &nbsp;&nbsp;Business P&L's\* | &nbsp;&nbsp;Final HUD-1\* / Loan Estimate (LE)\* / Closing Disclosure (CD)\* | &nbsp;&nbsp;Title Search Documentation |
| &nbsp;&nbsp;Certification(s) of Business purpose of loan | &nbsp;&nbsp;Flood certificates | &nbsp;&nbsp;Verification of down payment funds/ funds to close / reserve funds\* |
| &nbsp;&nbsp;Certification(s) of Non-Owner Occupancy and Indemnity\* | &nbsp;&nbsp;Guaranty Agreement(s)\* | &nbsp;&nbsp;Verification of Rent / Mortgage (VOR/VOM) payment history\* |
| &nbsp;&nbsp;Credit Report(s) | &nbsp;&nbsp;Identification / proof of residency status |  |

---

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

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

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(VI) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

**(XI) FIRREA Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(XIII) Document Review**

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

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

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

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

**<u>BUSINESS SCOPE LIMITED COMPLIANCE REVIEW</u>**

Includes Business Review Scope with additional limited compliance review below.

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

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

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

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

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

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

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

**Title Review:** As requested by the Client, a title review was included in SitusAMC's scope of review. To facilitate this review, the Client provided SitusAMC with identifying data on the population of mortgage loans. Data provided by the client, included mortgage loan and servicer identification numbers as well as subject property address, borrower names, origination date, original mortgage loan amount for the subject mortgage and title policies from origination as it relates to the subject mortgage. Using the data provided, SitusAMC ordered a current owner's title search on these mortgage loans through a service provider. Upon receipt and review of the current owner's title search results, SitusAMC identified whether the title search report revealed any liens and/or judgments which could affect the seniority of the subject mortgage, including potentially superior post origination liens and/or judgments as well as subject mortgage not of record. For the purposes of identifying potentially superior post-origination homeowners' association ("HOA") liens, the Client has vetted and approved for use a list of states prepared by outside counsel for which potentially superior post origination HOA liens may take priority over the subject mortgage. The states identified by the Client to be super lien states are AL, AK, CO, CT, DC, DE, FL, HI, IL, MA, MD, MN, MO, NV, NH, NJ, OR, PA, RI, TN, VA, VT, WA, and WV. SitusAMC reviewed the title policies for all liens and/or judgments that were recorded before the recordation of the subject mortgage to determine if any identifiable liens and/or judgments were listed as an exception on schedule B of the applicable title policies.

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

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**(9) Disclaimer**

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

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

**SUMMARY OF FINDINGS AND CONCLUSIONS** 

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

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**OVERALL REVIEW RESULTS SUMMARY**

There were two hundred thirty-five (235) loans in the securitization population reviewed by AMC. After all documents were presented, under DBRS NRSRO grading criteria thirty (30) (12.77%) of loans had an Overall grade of "A", one hundred sixteen (116) (49.36%) of the loans generated an Overall grade of "B", forty-four (44) (18.72%) of loans had an Overall grade of "C", and forty-five (45) (19.15%) of loans had an Overall grade of "D". After all documents were presented, under Fitch NRSRO grading criteria thirty (30) (12.77%) of loans had an Overall grade of "A", one hundred nineteen (119) (50.64%) of loans had an Overall grade of "B", forty-six (46) (19.57%) of loans had an Overall grade of "C", and forty (40) (17.02%) of loans has an Overall grade of "D".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Overall Loan Grades** | &nbsp;&nbsp;**DBRS Overall Loan Grades** | &nbsp;&nbsp;**DBRS Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;30 | &nbsp;&nbsp;12.77% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;116 | &nbsp;&nbsp;49.36% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;44 | &nbsp;&nbsp;18.72% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;45 | &nbsp;&nbsp;19.15% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**235** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Fitch Overall Loan Grades** | &nbsp;&nbsp; **Fitch Overall Loan Grades** | &nbsp;&nbsp; **Fitch Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;30 | &nbsp;&nbsp;12.77% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;119 | &nbsp;&nbsp;50.64% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;46 | &nbsp;&nbsp;19.57% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;40 | &nbsp;&nbsp;17.02% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**235** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

Seventy-seven (77) loans were reviewed to a Compliance Only Scope and therefore not included in the credit results summary. One hundred fifty-eight (158) loans were reviewed in the credit review scope. Fifty-three (53) (33.54%) loans reviewed received an "A" Credit grade, fifty-one (51) (32.28%) loans reviewed received a "B" credit grade, fifty-one (51) (32.28%) loans reviewed received a "C" credit grade, and three (3) (1.90%) loans received a "D" Credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and Fitch Credit Loan Grades** | &nbsp;&nbsp;**DBRS and Fitch Credit Loan Grades** | &nbsp;&nbsp;**DBRS and Fitch Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;53 | &nbsp;&nbsp;33.54% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;51 | &nbsp;&nbsp;32.28% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;51 | &nbsp;&nbsp;32.28% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.90% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**158** | &nbsp;&nbsp;**100.00%** |

---

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**COMPLIANCE RESULTS SUMMARY**

Eight (8) loans were reviewed to a business purpose scope and therefore not included in the compliance results summary. After all documents were presented, under DBRS NRSRO grading criteria sixty (60) (26.43%) loans had a Compliance review grade of "A", one hundred thirty-eight (138) (60.79%) loans had a Compliance review grade of "B", seventeen (17) (7.49%) loans had a Compliance review grade of "C", and twelve (12) (5.29%) had a Compliance review grade of "D". After all documents were presented, under Fitch NRSRO grading criteria sixty (60) (26.43%) loans had a Compliance review grade of "A", one hundred thirty-seven (137) (60.35%) loans had a Compliance review grade of "B", eighteen (18) (7.93%) loans had a Compliance review grade of "C", and twelve (12) (5.29%) loan had a Compliance review grade of "D".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Compliance Loan Grades** | &nbsp;&nbsp;**DBRS Compliance Loan Grades** | &nbsp;&nbsp;**DBRS Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;60 | &nbsp;&nbsp;26.43% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;138 | &nbsp;&nbsp;60.79% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;17 | &nbsp;&nbsp;7.49% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;12 | &nbsp;&nbsp;5.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**227** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Compliance Loan Grades** | &nbsp;&nbsp;**Fitch Compliance Loan Grades** | &nbsp;&nbsp;**Fitch Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;60 | &nbsp;&nbsp;26.43% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;137 | &nbsp;&nbsp;60.35% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;18 | &nbsp;&nbsp;7.93% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;12 | &nbsp;&nbsp;5.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**227** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

After all documents were presented, under DBRS NRSRO grading criteria one hundred twenty-one (121) (76.58%) loans had a Property/Valuation grade of "A", one (1) (0.63%) loan had a Property/Valuation grade of "B", five (5) (3.16%) loans had a Property/Valuation grade of "C", and thirty-one (31) (19.62%) loans had a Property/Valuation grade of "D". After all documents were presented, under Fitch NRSRO grading criteria one hundred twenty (120) (75.95%) loans had a Property/Valuation grade of "A", seven (7) (4.43%) loans had a Property/Valuation grade of "B", five (5) (3.16%) loans had a Property/Valuation grade of "C", and twenty-six (26) (16.46%) loans had a Property/Valuation grade of "D".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Property Loan Grades** | &nbsp;&nbsp;**DBRS Property Loan Grades** | &nbsp;&nbsp;**DBRS Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;121 | &nbsp;&nbsp;76.58% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.63% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.16% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;31 | &nbsp;&nbsp;19.62% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**158** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Property Loan Grades** | &nbsp;&nbsp;**Fitch Property Loan Grades** | &nbsp;&nbsp;**Fitch Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;120 | &nbsp;&nbsp;75.95% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;4.43% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.16% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;26 | &nbsp;&nbsp;16.46% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**158** | &nbsp;&nbsp;**100.00%** |

---

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the two hundred thirty-five (235) loans reviewed, two hundred eight (208) unique loans had one thousand seventy-two (1,072) different tape discrepancies across seventy-five (75) data fields (some Loans had more than one data delta). The most variances were found on Original P&I, Refi Purpose and Maturity Date.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**%<br> Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;12 | &nbsp;&nbsp;107 | &nbsp;&nbsp;11.21% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;17 | &nbsp;&nbsp;72 | &nbsp;&nbsp;23.61% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;70 | &nbsp;&nbsp;10.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;9 | &nbsp;&nbsp;45 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;As-Is Value Used For LTV Calculation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;94 | &nbsp;&nbsp;2.13% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;25 | &nbsp;&nbsp;152 | &nbsp;&nbsp;16.45% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;28 | &nbsp;&nbsp;160 | &nbsp;&nbsp;17.50% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Borrower Middle Name | &nbsp;&nbsp;21 | &nbsp;&nbsp;46 | &nbsp;&nbsp;45.65% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;19 | &nbsp;&nbsp;112 | &nbsp;&nbsp;16.96% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;4 | &nbsp;&nbsp;168 | &nbsp;&nbsp;2.38% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;36 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;36 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Coborrower Middle Name | &nbsp;&nbsp;9 | &nbsp;&nbsp;16 | &nbsp;&nbsp;56.25% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;3 | &nbsp;&nbsp;27 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;50 | &nbsp;&nbsp;112 | &nbsp;&nbsp;44.64% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;42 | &nbsp;&nbsp;63 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;15 | &nbsp;&nbsp;31 | &nbsp;&nbsp;48.39% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;16 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;13 | &nbsp;&nbsp;165 | &nbsp;&nbsp;7.88% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Flood Certificate/Order Number | &nbsp;&nbsp;3 | &nbsp;&nbsp;30 | &nbsp;&nbsp;10.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Hard Penalty Period (months) | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;37 | &nbsp;&nbsp;5.41% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;8 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Interest Collection Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;1 | &nbsp;&nbsp;70 | &nbsp;&nbsp;1.43% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;8 | &nbsp;&nbsp;14 | &nbsp;&nbsp;57.14% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;3 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;15 | &nbsp;&nbsp;16 | &nbsp;&nbsp;93.75% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;14 | &nbsp;&nbsp;18 | &nbsp;&nbsp;77.78% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;235 |

---

15\| Page

![](ex99-5_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;37 | &nbsp;&nbsp;95 | &nbsp;&nbsp;38.95% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Late Charge Percent | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Lender | &nbsp;&nbsp;19 | &nbsp;&nbsp;31 | &nbsp;&nbsp;61.29% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;119 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Line Limit | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;9 | &nbsp;&nbsp;65 | &nbsp;&nbsp;13.85% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;7 | &nbsp;&nbsp;11 | &nbsp;&nbsp;63.64% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;51 | &nbsp;&nbsp;150 | &nbsp;&nbsp;34.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;35 | &nbsp;&nbsp;36 | &nbsp;&nbsp;97.22% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;12 | &nbsp;&nbsp;19 | &nbsp;&nbsp;63.16% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Next Interest Rate Change Date | &nbsp;&nbsp;14 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;170 | &nbsp;&nbsp;7.06% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;12 | &nbsp;&nbsp;196 | &nbsp;&nbsp;6.12% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;12 | &nbsp;&nbsp;121 | &nbsp;&nbsp;9.92% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;20 | &nbsp;&nbsp;140 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;12 | &nbsp;&nbsp;220 | &nbsp;&nbsp;5.45% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;14 | &nbsp;&nbsp;147 | &nbsp;&nbsp;9.52% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;59 | &nbsp;&nbsp;127 | &nbsp;&nbsp;46.46% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;39 | &nbsp;&nbsp;154 | &nbsp;&nbsp;25.32% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Originator Application Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Other Financing Junior Total Original Loan Amount | &nbsp;&nbsp;4 | &nbsp;&nbsp;5 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Other Financing Senior Total Balance | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Payment Change Frequency | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;32 | &nbsp;&nbsp;38 | &nbsp;&nbsp;84.21% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;PMI Company | &nbsp;&nbsp;5 | &nbsp;&nbsp;13 | &nbsp;&nbsp;38.46% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;PMI Coverage % | &nbsp;&nbsp;34 | &nbsp;&nbsp;52 | &nbsp;&nbsp;65.38% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;PMI MI Certificate Number | &nbsp;&nbsp;2 | &nbsp;&nbsp;12 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;14 | &nbsp;&nbsp;34 | &nbsp;&nbsp;41.18% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Prepayment Terms | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;25 | &nbsp;&nbsp;32 | &nbsp;&nbsp;78.13% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;49 | &nbsp;&nbsp;209 | &nbsp;&nbsp;23.44% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;48 | &nbsp;&nbsp;210 | &nbsp;&nbsp;22.86% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;55 | &nbsp;&nbsp;93 | &nbsp;&nbsp;59.14% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;11 | &nbsp;&nbsp;101 | &nbsp;&nbsp;10.89% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Rounding Factor | &nbsp;&nbsp;7 | &nbsp;&nbsp;13 | &nbsp;&nbsp;53.85% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;170 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;22 | &nbsp;&nbsp;159 | &nbsp;&nbsp;13.84% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Total PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;15 | &nbsp;&nbsp;170 | &nbsp;&nbsp;8.82% | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1072** | &nbsp;&nbsp;**4948** | &nbsp;&nbsp;**21.67%** | &nbsp;&nbsp;**235** |

---

**SitusAMC TITLE REVIEW SUMMARY (54 Mortgage Loans)**

As part of the due diligence services, the Client provided AMC with identifying data on fifty-four (54) mortgage loans. Based on the scope of review set forth herein, the critical findings are summarized as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· There are no potential issues surrounding
origination deed vesting concerns.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No unresolved Super Position HOA Liens
recorded after the subject mortgage which were entitled to limited or full lien priority over the subject mortgage were identified.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Except with respect to 2 Municipal
Liens across 2 mortgage loan files, no unresolved Municipal Liens which had limited or full lien priority over the subject mortgage were
located.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No unresolved Property Tax Liens which
had limited or full lien priority over the subject mortgage were located.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All Prior Liens identified in our review
have been resolved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Except with respect to 1 Prior Mortgage
across 1 mortgage loan file which was recorded prior to the subject mortgage, all Prior Mortgages identified in our review have been resolved.
With respect to the 1 Prior Mortgage across 1 mortgage loan file, the Prior Mortgage was determined to be mitigated as the mortgage loan
file contains a Title Policy on which there are no stated exceptions which explicitly preclude coverage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· As to any Miscellaneous Items of substance,
the items in this category typically defy standard categorization or summarization and are individually detailed.

16\| Page

![](ex99-5_001.jpg)

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;202 | &nbsp;&nbsp;85.96% | &nbsp;&nbsp;$66035749.73 | &nbsp;&nbsp;85.75% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;32 | &nbsp;&nbsp;13.62% | &nbsp;&nbsp;$10829125.74 | &nbsp;&nbsp;14.06% |
| &nbsp;&nbsp;Unknown | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.43% | &nbsp;&nbsp;$146646.24 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**235** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$77011521.71** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;235 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$77011521.71 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**235** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$77011521.71** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;25 | &nbsp;&nbsp;10.64% | &nbsp;&nbsp;$6440671.93 | &nbsp;&nbsp;8.36% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.43% | &nbsp;&nbsp;$440000.00 | &nbsp;&nbsp;0.57% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;50 | &nbsp;&nbsp;21.28% | &nbsp;&nbsp;$15099214.53 | &nbsp;&nbsp;19.61% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.28% | &nbsp;&nbsp;$1012250.00 | &nbsp;&nbsp;1.31% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;34 | &nbsp;&nbsp;14.47% | &nbsp;&nbsp;$10300052.74 | &nbsp;&nbsp;13.37% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;88 | &nbsp;&nbsp;37.45% | &nbsp;&nbsp;$31963912.00 | &nbsp;&nbsp;41.51% |
| &nbsp;&nbsp;Rate/Term Refinance - Lender Initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.43% | &nbsp;&nbsp;$94225.00 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;22 | &nbsp;&nbsp;9.36% | &nbsp;&nbsp;$9332267.00 | &nbsp;&nbsp;12.12% |
| &nbsp;&nbsp;Construction to Permanent | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.28% | &nbsp;&nbsp;$1207440.00 | &nbsp;&nbsp;1.57% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;8 | &nbsp;&nbsp;3.40% | &nbsp;&nbsp;$1121488.51 | &nbsp;&nbsp;1.46% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**235** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$77011521.71** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;0-120 Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.13% | &nbsp;&nbsp;$1049227.45 | &nbsp;&nbsp;1.36% |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;11 | &nbsp;&nbsp;4.68% | &nbsp;&nbsp;$1460054.77 | &nbsp;&nbsp;1.90% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;11 | &nbsp;&nbsp;4.68% | &nbsp;&nbsp;$2023403.05 | &nbsp;&nbsp;2.63% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;202 | &nbsp;&nbsp;85.96% | &nbsp;&nbsp;$70810102.93 | &nbsp;&nbsp;91.95% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.13% | &nbsp;&nbsp;$1522087.27 | &nbsp;&nbsp;1.98% |
| &nbsp;&nbsp;Unknown | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.43% | &nbsp;&nbsp;$146646.24 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**235** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$77011521.71** | &nbsp;&nbsp;**100.00%** |

---

17\| Page

![](ex99-5_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;129 | &nbsp;&nbsp;54.89% | &nbsp;&nbsp;$42408108.23 | &nbsp;&nbsp;55.07% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.70% | &nbsp;&nbsp;$519410.00 | &nbsp;&nbsp;0.67% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;12 | &nbsp;&nbsp;5.11% | &nbsp;&nbsp;$3846900.00 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.85% | &nbsp;&nbsp;$1191200.00 | &nbsp;&nbsp;1.55% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;39 | &nbsp;&nbsp;16.60% | &nbsp;&nbsp;$16453407.17 | &nbsp;&nbsp;21.36% |
| &nbsp;&nbsp;Single-wide Manufactured Housing | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.43% | &nbsp;&nbsp;$39529.69 | &nbsp;&nbsp;0.05% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.13% | &nbsp;&nbsp;$1276588.00 | &nbsp;&nbsp;1.66% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;12 | &nbsp;&nbsp;5.11% | &nbsp;&nbsp;$5407236.00 | &nbsp;&nbsp;7.02% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.28% | &nbsp;&nbsp;$1609750.00 | &nbsp;&nbsp;2.09% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.43% | &nbsp;&nbsp;$380000.00 | &nbsp;&nbsp;0.49% |
| &nbsp;&nbsp;Land | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.85% | &nbsp;&nbsp;$56000.00 | &nbsp;&nbsp;0.07% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;25 | &nbsp;&nbsp;10.64% | &nbsp;&nbsp;$3823392.62 | &nbsp;&nbsp;4.96% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**235** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$77011521.71** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;172 | &nbsp;&nbsp;73.19% | &nbsp;&nbsp;$56254915.71 | &nbsp;&nbsp;73.05% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;52 | &nbsp;&nbsp;22.13% | &nbsp;&nbsp;$18085299.00 | &nbsp;&nbsp;23.48% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.70% | &nbsp;&nbsp;$1603955.00 | &nbsp;&nbsp;2.08% |
| &nbsp;&nbsp;Unknown | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.98% | &nbsp;&nbsp;$1067352.00 | &nbsp;&nbsp;1.39% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**235** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$77011521.71** | &nbsp;&nbsp;**100.00%** |

---

18\| Page

## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-5sch1_001.jpg) | ![](ex99-5sch1_001.jpg) | ![](ex99-5sch1_001.jpg) |  |  |  |  |  |  |  |
| **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** |  |  |  |  |  |
| **Run Date - 7/29/2025 7:27:41 AM** | **Run Date - 7/29/2025 7:27:41 AM** | **Run Date - 7/29/2025 7:27:41 AM** |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 223792538 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792538 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 0 | 45.94388 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| 223792540 | xx | xx | xx | xx | Contract Sales Price | $XX | $XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792540 | xx | xx | xx | xx | Original CLTV | 97.94 | 100 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223792540 | xx | xx | xx | xx | Original LTV | 97.94 | 100 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223792540 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 0 | 22.50315 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223792542 | xx | xx | xx | xx | Property Type | Single Family Attached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223792542 | xx | xx | xx | xx | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792542 | xx | xx | xx | xx | # of Units | 1 | 2 | Verified | Field value reflects source document |
| 223792543 | xx | xx | xx | xx | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223792543 | xx | xx | xx | xx | Original Interest Rate | 8.13 | 8.125 | Verified | Field Value reflects the Note value |
| 223792543 | xx | xx | xx | xx | Doc Type | Full | Streamline | Verified | Field Value reflects documentation located in origination file |
| 223792543 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792543 | xx | xx | xx | xx | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223792545 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792545 | xx | xx | xx | xx | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 223792545 | xx | xx | xx | xx | Property Type |  | 2 Family | Verified | Field Value reflects the Approval/AUS in file. |
| 223792545 | xx | xx | xx | xx | Contract Sales Price | $XX | $XX | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223792545 | xx | xx | xx | xx | Original CLTV | 80 | 85 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223792545 | xx | xx | xx | xx | Original LTV | 80 | 85 | Verified | Correct calculated, Verified from 1008. |
| 223792545 | xx | xx | xx | xx | Late Charge Percent | 1 | 2 | Verified | Field Value reflects Note 'Late Charge Percent' per the Note |
| 223792545 | xx | xx | xx | xx | Other Financing Junior Total Original Loan Amount | 0.00 |  | Verified | Field value reflects source document |
| 223792547 | xx | xx | xx | xx | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223792547 | xx | xx | xx | xx | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 223792547 | xx | xx | xx | xx | Original Term | 385 | 360 | Verified | Field Value reflects the Note value |
| 223792547 | xx | xx | xx | xx | Amortization Term | 385 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223792547 | xx | xx | xx | xx | Original Interest Rate | 3.25 | 5.25 | Verified | Field Value reflects the Note value |
| 223792547 | xx | xx | xx | xx | Contract Sales Price | $XX | $XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792547 | xx | xx | xx | xx | Original CLTV | 80 | 95 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223792547 | xx | xx | xx | xx | Original LTV | 80 | 95 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223792547 | xx | xx | xx | xx | Late Charge Percent | 1 | 5 | Verified | Field Value reflects Note 'Late Charge Percent' per the Note |
| 223792547 | xx | xx | xx | xx | PMI Company | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223792547 | xx | xx | xx | xx | PMI Coverage % |  | 30 | Verified | Field value reflects source document |
| 223792548 | xx | xx | xx | xx | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223792548 | xx | xx | xx | xx | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 223792548 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792548 | xx | xx | xx | xx | Original CLTV | 80 | 100.2988 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223792548 | xx | xx | xx | xx | Original LTV | 80 | 100.2988 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223792548 | xx | xx | xx | xx | Late Charge Percent | 1 | 4 | Verified | Field Value reflects Note 'Late Charge Percent' per the Note |
| 223792548 | xx | xx | xx | xx | PMI Coverage % | 100 |  | Verified | Field value reflects source document |
| 223792548 | xx | xx | xx | xx | Other Financing Junior Total Original Loan Amount | 0.00 |  | Verified | Field value reflects source document |
| 223792549 | xx | xx | xx | xx | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 223792549 | xx | xx | xx | xx | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 223792549 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792549 | xx | xx | xx | xx | Representative FICO | 717 | 776 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223792549 | xx | xx | xx | xx | Purpose | Construction | Construction-Permanent | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223792549 | xx | xx | xx | xx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792549 | xx | xx | xx | xx | Mortgage Type |  | Conventional with MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223792549 | xx | xx | xx | xx | Contract Sales Price | $XX | $XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792550 | xx | xx | xx | xx | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792550 | xx | xx | xx | xx | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223792550 | xx | xx | xx | xx | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223792550 | xx | xx | xx | xx | Investor: Qualifying Housing Ratio | 50.19 | 38.52612 | Verified | Field value reflects source document |
| 223792551 | xx | xx | xx | xx | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223792551 | xx | xx | xx | xx | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 223792551 | xx | xx | xx | xx | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223792551 | xx | xx | xx | xx | Amortization Term | 480 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223792551 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792551 | xx | xx | xx | xx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792551 | xx | xx | xx | xx | Investor: Qualifying Housing Ratio | 53.37 | 35.60379 | Verified | Field value reflects source document |
| 223792552 | xx | xx | xx | xx | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223792552 | xx | xx | xx | xx | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792552 | xx | xx | xx | xx | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223792552 | xx | xx | xx | xx | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223792552 | xx | xx | xx | xx | Investor: Qualifying Housing Ratio | 50.88 | 32.11653 | Verified | Field value reflects source document |
| 223792553 | xx | xx | xx | xx | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223792553 | xx | xx | xx | xx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792553 | xx | xx | xx | xx | Investor: Qualifying Housing Ratio | 58.53 | 17.25864 | Verified | Lender's Rental Income is on higher end than verified by audit. |
| 223792554 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223792554 | xx | xx | xx | xx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792554 | xx | xx | xx | xx | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223792554 | xx | xx | xx | xx | PMI Coverage % | 0 | 12 | Verified | Field value reflects source document |
| 223792554 | xx | xx | xx | xx | Investor: Qualifying Housing Ratio | 0.01 | 35.6383 | Verified | Field value reflects source document |
| 223792556 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792556 | xx | xx | xx | xx | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223792556 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223792557 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223792557 | xx | xx | xx | xx | Contract Sales Price | $XX | $XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792557 | xx | xx | xx | xx | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223792558 | xx | xx | xx | xx | Contract Sales Price | $XX | $XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792559 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223792559 | xx | xx | xx | xx | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223792559 | xx | xx | xx | xx | Contract Sales Price | $XX | $XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792559 | xx | xx | xx | xx | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223792559 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 39.76 | 41.88827 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223792560 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223792560 | xx | xx | xx | xx | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 223792560 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792560 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792560 | xx | xx | xx | xx | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223792561 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223792561 | xx | xx | xx | xx | Contract Sales Price | $XX | $XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792561 | xx | xx | xx | xx | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223792561 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 49.324 | 41.84615 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223792562 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223792562 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792562 | xx | xx | xx | xx | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223792562 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 32.054 | 35.14854 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223792563 | xx | xx | xx | xx | Original P&I | 1717.25 | 2246.70 | Verified | Field Value reflects Note value |
| 223792589 | xx | xx | xx | xx | Amortization Term | 30 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223792589 | xx | xx | xx | xx | # of Units |  | 3 | Verified | Field value reflects source document |
| 223792590 | xx | xx | xx | xx | Original P&I | 0.00 | 1071.91 | Verified | Field Value reflects Note value |
| 223792590 | xx | xx | xx | xx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792590 | xx | xx | xx | xx | Mortgage Type |  | Conventional with MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223792591 | xx | xx | xx | xx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792591 | xx | xx | xx | xx | Original CLTV | 99.91 | 97 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223792591 | xx | xx | xx | xx | PMI Coverage % | 35 |  | Verified | Field value reflects source document |
| 223792591 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 51.6 | 43.62174 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223792592 | xx | xx | xx | xx | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792592 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 37.95 | 40.87675 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223792593 | xx | xx | xx | xx | Original Term | 360 | 240 | Verified | Field Value reflects the Note value |
| 223792593 | xx | xx | xx | xx | Amortization Term | 360 | 240 | Verified | Field Value reflects Amortization Term per Note |
| 223792593 | xx | xx | xx | xx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792593 | xx | xx | xx | xx | Index Type | SOFR | SOFR 30 Day Average | Verified | Field Value reflects 'Index Type' per the Note |
| 223792593 | xx | xx | xx | xx | Margin | 3 | 2.5 | Verified | Field Value reflects 'Margin' per the Note |
| 223792593 | xx | xx | xx | xx | First Interest Rate Change Date | [redacted] | [redacted] | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223792593 | xx | xx | xx | xx | Interest Rate Life Cap | 9.725 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| 223792593 | xx | xx | xx | xx | Interest Rate Life Floor | 2.5 | 2.225 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 223792593 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 36.92 | 42.08769 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223792594 | xx | xx | xx | xx | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223792594 | xx | xx | xx | xx | Amortization Term | 480 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223792594 | xx | xx | xx | xx | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223792594 | xx | xx | xx | xx | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792595 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223792595 | xx | xx | xx | xx | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223792595 | xx | xx | xx | xx | Doc Type |  | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792595 | xx | xx | xx | xx | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223792595 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 53.1 | 46.59597 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223792598 | xx | xx | xx | xx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792598 | xx | xx | xx | xx | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223792600 | xx | xx | xx | xx | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects doc Type reflected on the Approval/AUS |
| 223792600 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 0 | 48.96039 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223792601 | xx | xx | xx | xx | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223792601 | xx | xx | xx | xx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792601 | xx | xx | xx | xx | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223792601 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 72.23 | 43.29643 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223792604 | xx | xx | xx | xx | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223792604 | xx | xx | xx | xx | Doc Type | Full | 24mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 223792604 | xx | xx | xx | xx | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223792604 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 87.07 | 48.29003 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223792606 | xx | xx | xx | xx | Amortization Term | 353 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223792610 | xx | xx | xx | xx | Investor: Qualifying Housing Ratio | 26.876 | 26.87558 | Verified | Field value reflects source document |
| 223792611 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792612 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792613 | xx | xx | xx | xx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792613 | xx | xx | xx | xx | Contract Sales Price | $XX | $XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792613 | xx | xx | xx | xx | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223792614 | xx | xx | xx | xx | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223792614 | xx | xx | xx | xx | Doc Type | Full | Full Doc 1yr - AUS | Verified | Field Value reflects documentation located in origination file |
| 223792614 | xx | xx | xx | xx | Contract Sales Price | $XX | $XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792614 | xx | xx | xx | xx | PMI Company | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223792614 | xx | xx | xx | xx | PMI Coverage % | 0 | 30 | Verified | Field value reflects source document |
| 223792621 | xx | xx | xx | xx | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223792622 | xx | xx | xx | xx | Occupancy | Investment | Primary | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223792623 | xx | xx | xx | xx | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223792623 | xx | xx | xx | xx | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223792625 | xx | xx | xx | xx | Amortization Term | 30 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223792625 | xx | xx | xx | xx | Appraisal Date | [redacted] | [redacted] | Verified | Tape Value reflects Appraisal Effective Date |
| 223792625 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792625 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 65.449 | 48.40817 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223792626 | xx | xx | xx | xx | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223792626 | xx | xx | xx | xx | Representative FICO | 779 | 737 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223792626 | xx | xx | xx | xx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792626 | xx | xx | xx | xx | Investor: Qualifying Housing Ratio | 49.655 | 67.96671 | Verified | Field value reflects source document |
| 223792626 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 50.003 | 68.4431 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223792627 | xx | xx | xx | xx | Original Term | 347 | 360 | Verified | Field Value reflects the Note value |
| 223792627 | xx | xx | xx | xx | Original Interest Rate | 7.25 | 2.875 | Verified | Field Value reflects the Note value |
| 223792627 | xx | xx | xx | xx | Representative FICO | 495 | 684 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223792628 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792628 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792628 | xx | xx | xx | xx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792629 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792629 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792629 | xx | xx | xx | xx | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792630 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792630 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792630 | xx | xx | xx | xx | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223792630 | xx | xx | xx | xx | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792630 | xx | xx | xx | xx | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223792631 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792631 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792631 | xx | xx | xx | xx | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223792631 | xx | xx | xx | xx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792632 | xx | xx | xx | xx | Original Term | 564 | 360 | Verified | Field Value reflects the Note value |
| 223792632 | xx | xx | xx | xx | Amortization Term |  | 360 | Verified | Unable to verify due to missing information |
| 223792632 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792632 | xx | xx | xx | xx | Balloon Flag | 1 | 0 | Verified | Field Value reflects Note |
| 223792633 | xx | xx | xx | xx | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223792633 | xx | xx | xx | xx | Property Type | Townhouse | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223792633 | xx | xx | xx | xx | Occupancy | Primary | Second Home | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223792634 | xx | xx | xx | xx | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223792634 | xx | xx | xx | xx | Property Type | Townhouse | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223792634 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792635 | xx | xx | xx | xx | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223792635 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792635 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792635 | xx | xx | xx | xx | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223792635 | xx | xx | xx | xx | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223792636 | xx | xx | xx | xx | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223792636 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Unable to verify due to missing information |
| 223792637 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792637 | xx | xx | xx | xx | Representative FICO | 784 | 758 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223792637 | xx | xx | xx | xx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792637 | xx | xx | xx | xx | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223792639 | xx | xx | xx | xx | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223792639 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792639 | xx | xx | xx | xx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792639 | xx | xx | xx | xx | PMI Company | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223792640 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792640 | xx | xx | xx | xx | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223792640 | xx | xx | xx | xx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects doc Type reflected on the Approval/AUS |
| 223792641 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223792641 | xx | xx | xx | xx | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223792641 | xx | xx | xx | xx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792641 | xx | xx | xx | xx | Contract Sales Price | $XX | $XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792642 | xx | xx | xx | xx | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223792642 | xx | xx | xx | xx | Representative FICO | 770 | 750 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223792642 | xx | xx | xx | xx | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792642 | xx | xx | xx | xx | Contract Sales Price | $XX | $XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792642 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 49.18 | 45.87854 | Verified | AUS reflects 45.88%. |
| 223792652 | xx | xx | xx | xx | Doc Type | Full | WVOE | Verified | Field Value reflects documentation located in origination file |
| 223792652 | xx | xx | xx | xx | Contract Sales Price | $XX | $XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792653 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Unable to verify due to missing information |
| 223792653 | xx | xx | xx | xx | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223792657 | xx | xx | xx | xx | Original Term | 499 | 360 | Verified | Field Value reflects the Note value |
| 223792657 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792657 | xx | xx | xx | xx | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223792657 | xx | xx | xx | xx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792657 | xx | xx | xx | xx | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223792658 | xx | xx | xx | xx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792658 | xx | xx | xx | xx | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223792658 | xx | xx | xx | xx | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223792659 | xx | xx | xx | xx | Doc Type | Full | 12mo Bank Statement | Verified | Unable to verify due to missing information |
| 223792660 | xx | xx | xx | xx | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223792660 | xx | xx | xx | xx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792660 | xx | xx | xx | xx | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223792660 | xx | xx | xx | xx | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223792661 | xx | xx | xx | xx | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| 223792661 | xx | xx | xx | xx | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223792661 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792661 | xx | xx | xx | xx | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223792661 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 54.48 | 46.15556 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223792662 | xx | xx | xx | xx | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223792663 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792663 | xx | xx | xx | xx | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223792663 | xx | xx | xx | xx | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223792663 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 21.98 | 24.12134 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223792664 | xx | xx | xx | xx | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223792664 | xx | xx | xx | xx | Originator Application Date | [redacted] | [redacted] | Verified | Field Value reflects the Broker Application Date while Tape Value reflects Creditor Application Date |
| 223792665 | xx | xx | xx | xx | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223792679 | xx | xx | xx | xx | Note Date | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223792679 | xx | xx | xx | xx | Original Interest Rate | 0 | 6.875 | Verified | Field value reflects source document |
| 223792679 | xx | xx | xx | xx | Occupancy | Primary | UTD | Verified | Unable to verify due to missing information |
| 223792679 | xx | xx | xx | xx | Purpose | Refinance | UTD | Verified | Unable to verify due to missing information |
| 223792679 | xx | xx | xx | xx | Refi Purpose | Cash-out | UTD | Verified | Unable to verify due to missing information |
| 223792679 | xx | xx | xx | xx | LTV Valuation Value | XX |  | Verified | Unable to verify due to missing information |
| 223792680 | xx | xx | xx | xx | First Payment Date | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223792680 | xx | xx | xx | xx | Original Term | 221 | 240 | Verified | Field value reflects source document |
| 223792680 | xx | xx | xx | xx | Original Interest Rate | 0 | 7.375 | Verified | Field value reflects source document |
| 223792681 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223792681 | xx | xx | xx | xx | Original Term | 240 | 180 | Verified | Field value reflects source document |
| 223792681 | xx | xx | xx | xx | Amortization Term | 240 | 180 | Verified | Field value reflects source document |
| 223792681 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223792681 | xx | xx | xx | xx | Original Interest Rate |  | 4.5 | Verified | Unable to verify due to missing information |
| 223792681 | xx | xx | xx | xx | Original P&I |  | 244.80 | Verified | Unable to verify due to missing information |
| 223792681 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Field value reflects source document |
| 223792682 | xx | xx | xx | xx | Line Limit | 1.00 |  | Verified | Unable to verify due to missing information |
| 223792682 | xx | xx | xx | xx | Property Type | Single Family | UTD | Verified | Unable to verify due to missing information |
| 223792682 | xx | xx | xx | xx | Purpose | UTD | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223792682 | xx | xx | xx | xx | Appraised Value | XX |  | Verified | Unable to verify due to missing information |
| 223792682 | xx | xx | xx | xx | Original CLTV | 75.79 | 100 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223792682 | xx | xx | xx | xx | Original LTV | 75.79 | 100 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223792682 | xx | xx | xx | xx | Originator Application Date | [redacted] | [redacted] | Verified | Field Value reflects the Broker Application Date while Tape Value reflects Creditor Application Date |
| 223792682 | xx | xx | xx | xx | Hard Penalty Period (months) | 0 |  | Verified | Unable to verify due to missing information |
| 223792683 | xx | xx | xx | xx | First Payment Date | [redacted] | [redacted] |  |  |
| 223792683 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] |  |  |
| 223792683 | xx | xx | xx | xx | Representative FICO | 576 | 547 |  |  |
| 223792683 | xx | xx | xx | xx | Interest Collection Type | Daily Simple | In Arrears |  |  |
| 223792683 | xx | xx | xx | xx | Borrower Full Name | [redacted] | [redacted] |  |  |
| 223792686 | xx | xx | xx | xx | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223792686 | xx | xx | xx | xx | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| 223792687 | xx | xx | xx | xx | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223792688 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Same. |
| 223792688 | xx | xx | xx | xx | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223792690 | xx | xx | xx | xx | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 223792690 | xx | xx | xx | xx | LTV Valuation Value | XX |  | Verified | Unable to verify due to missing information |
| 223792691 | xx | xx | xx | xx | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223792694 | xx | xx | xx | xx | Original Term | 571 | 360 | Verified | Field Value reflects the Note value |
| 223792694 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792694 | xx | xx | xx | xx | Original Interest Rate | 10.879 | 10.8792 | Verified | Field Value reflects the Note value |
| 223792694 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Refinance |
| 223792694 | xx | xx | xx | xx | Originator Application Date | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223792698 | xx | xx | xx | xx | Note Date | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223792698 | xx | xx | xx | xx | Property Type | Multi Family | Single Family Detached | Verified | Unable to verify due to missing information |
| 223792698 | xx | xx | xx | xx | Original LTV | 39.5 |  | Verified | Unable to verify due to missing information |
| 223792699 | xx | xx | xx | xx | First Payment Date | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223792699 | xx | xx | xx | xx | Original Term | 300 | 240 | Verified | Field Value reflects the Note value |
| 223792699 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792699 | xx | xx | xx | xx | Original Interest Rate | 3.75 | 4.75 | Verified | Field Value reflects the Note value |
| 223792699 | xx | xx | xx | xx | Original P&I | 1412.77 |  | Verified | Unable to verify due to missing information |
| 223792699 | xx | xx | xx | xx | Representative FICO | 550 |  | Verified | Unable to verify due to missing information |
| 223792699 | xx | xx | xx | xx | Property Type | Single Family | UTD | Verified | Unable to verify due to missing information |
| 223792699 | xx | xx | xx | xx | Interest Only Period |  | 60 | Verified | Field Value reflects 'Interest Only Period' per the Note |
| 223792699 | xx | xx | xx | xx | Index Type | LIBOR - 6 Month (Daily) | Prime (WSJ) | Verified | Field Value reflects 'Index Type' per the Note |
| 223792699 | xx | xx | xx | xx | Margin | 0.25 | 0 | Verified | Field Value reflects 'Margin' per the Note |
| 223792699 | xx | xx | xx | xx | First Interest Rate Change Date | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223792699 | xx | xx | xx | xx | Interest Rate Life Max | 21.75 | 18 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223792699 | xx | xx | xx | xx | Interest Rate Life Cap | 18 | 13.25 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| 223792699 | xx | xx | xx | xx | Interest Rate Periodic Cap |  | 0 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223792699 | xx | xx | xx | xx | First Payment Change Date | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223792699 | xx | xx | xx | xx | # of Units | 1 |  | Verified | Unable to verify due to missing information |
| 223792699 | xx | xx | xx | xx | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223792699 | xx | xx | xx | xx | Interest Rate Life Floor | 0.25 | 4.75 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 223792699 | xx | xx | xx | xx | Payment Change Frequency |  | 1 | Verified | Field Value reflects 'Payment Change Frequency' per the Note |
| 223792706 | xx | xx | xx | xx | Original Loan Amount | XX | XX | Verified | Field value reflects source document |
| 223792706 | xx | xx | xx | xx | Original Term | 362 |  | Verified | Field value reflects source document |
| 223792706 | xx | xx | xx | xx | Original Interest Rate | 6.5 |  | Verified | Field value reflects source document |
| 223792706 | xx | xx | xx | xx | Amortization Type | Fixed |  |  |  |
| 223792706 | xx | xx | xx | xx | # of Units |  | 1 | Verified | Field value reflects source document |
| 223792707 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | note |
| 223792707 | xx | xx | xx | xx | Original Interest Rate | 6 | 8.45 | Verified | note |
| 223792707 | xx | xx | xx | xx | Occupancy |  | Primary | Verified |  |
| 223792707 | xx | xx | xx | xx | Purpose | Purchase | Refinance | Verified | 1003/HUD |
| 223792707 | xx | xx | xx | xx | Refi Purpose |  | Rate/Term | Verified |  |
| 223792709 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223792709 | xx | xx | xx | xx | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223792709 | xx | xx | xx | xx | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 223792709 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792709 | xx | xx | xx | xx | Original P&I | 662.33 | 919.95 | Verified | Field Value reflects Note value |
| 223792710 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792710 | xx | xx | xx | xx | Original Interest Rate | 3 | 8.27 | Verified | Field Value reflects the Note value |
| 223792710 | xx | xx | xx | xx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223792710 | xx | xx | xx | xx | Appraised Value | XX | XX | Verified | Field Value captured from Valuation model in file |
| 223792710 | xx | xx | xx | xx | # of Units |  | 1 | Verified | Field value reflects source document |
| 223792710 | xx | xx | xx | xx | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223792710 | xx | xx | xx | xx | Borrower Middle Name | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223792711 | xx | xx | xx | xx | PMI Company | [redacted] | [redacted] |  |  |
| 223792711 | xx | xx | xx | xx | PMI Coverage % | 0 |  |  |  |
| 223792778 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792778 | xx | xx | xx | xx | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 223792778 | xx | xx | xx | xx | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 223792778 | xx | xx | xx | xx | Property Type | Single Family | UTD | Verified | Unable to verify due to missing information |
| 223792778 | xx | xx | xx | xx | Occupancy | Primary | UTD | Verified | Unable to verify due to missing information |
| 223792778 | xx | xx | xx | xx | Purpose |  | Refinance | Verified | deed of trust |
| 223792778 | xx | xx | xx | xx | Margin |  | 2.25 | Verified | Field Value reflects 'Margin' per the Note |
| 223792778 | xx | xx | xx | xx | Interest Rate Life Max |  | 14.425 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223792778 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Unable to verify due to missing information |
| 223792778 | xx | xx | xx | xx | Original CLTV | 80 |  | Verified | Unable to verify due to missing information |
| 223792778 | xx | xx | xx | xx | Original LTV | 80 |  | Verified | Unable to verify due to missing information |
| 223792778 | xx | xx | xx | xx | Late Charge Percent | 1 | 5 | Verified | Field Value reflects Note 'Late Charge Percent' per the Note |
| 223792778 | xx | xx | xx | xx | Other Financing Junior Total Original Loan Amount | 0.00 |  | Verified | Unable to verify due to missing information |
| 223792779 | xx | xx | xx | xx | Amortization Term | 179 | 180 | Verified | Field Value reflects Amortization Term per Note |
| 223792779 | xx | xx | xx | xx | Occupancy | Primary | UTD | Verified | Unable to verify due to missing information |
| 223792779 | xx | xx | xx | xx | Original LTV |  | 112.5 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223792779 | xx | xx | xx | xx | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| 223792782 | xx | xx | xx | xx | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223792782 | xx | xx | xx | xx | Original Term | 171 | 360 | Verified | Field Value reflects the Note value |
| 223792782 | xx | xx | xx | xx | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 223792782 | xx | xx | xx | xx | Property Type | Single Family Detached | UTD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223792782 | xx | xx | xx | xx | Occupancy | Primary | UTD | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223792782 | xx | xx | xx | xx | Index Type |  | LIBOR - 6 Month (Daily) | Verified | Field Value reflects 'Index Type' per the Note |
| 223792782 | xx | xx | xx | xx | Margin |  | 7.725 | Verified | Field Value reflects 'Margin' per the Note |
| 223792782 | xx | xx | xx | xx | First Interest Rate Change Date | [redacted] | [redacted] | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223792782 | xx | xx | xx | xx | Next Interest Rate Change Date |  | 2024-09-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223792782 | xx | xx | xx | xx | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223792782 | xx | xx | xx | xx | Interest Rate Life Cap |  | 7 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| 223792782 | xx | xx | xx | xx | Interest Rate Periodic Cap |  | 1.5 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223792782 | xx | xx | xx | xx | # of Units | 1 |  | Verified | Unable to verify due to missing information |
| 223792782 | xx | xx | xx | xx | Interest Rate Initial Cap |  | 1.5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
| 223792782 | xx | xx | xx | xx | Interest Rate Life Floor |  | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 223792783 | xx | xx | xx | xx | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| 223792784 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792784 | xx | xx | xx | xx | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| 223792785 | xx | xx | xx | xx | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223792785 | xx | xx | xx | xx | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| 223792786 | xx | xx | xx | xx | Coborrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223792786 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792786 | xx | xx | xx | xx | Appraised Value | XX |  | Verified | Unable to verify due to missing information |
| 223792787 | xx | xx | xx | xx | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223792787 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792787 | xx | xx | xx | xx | Original Interest Rate | 5.5 | 7.125 | Verified | Field Value reflects the Note value |
| 223792788 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792788 | xx | xx | xx | xx | Property Type | Single Family | UTD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223792788 | xx | xx | xx | xx | Appraised Value | XX |  | Verified | Unable to verify due to missing information |
| 223792788 | xx | xx | xx | xx | # of Units | 1 |  | Verified | Field value reflects source document |
| 223792789 | xx | xx | xx | xx | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 223792789 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792789 | xx | xx | xx | xx | Representative FICO | 572 |  | Verified | Unable to verify due to missing information |
| 223792789 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Loan is a refinance transaction. |
| 223792789 | xx | xx | xx | xx | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223792793 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223792793 | xx | xx | xx | xx | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223792793 | xx | xx | xx | xx | Property Type | Single Family | UTD | Verified | Unable to verify due to missing information |
| 223792794 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223792794 | xx | xx | xx | xx | Property Type | Single Family | UTD | Verified | Unable to verify due to missing information |
| 223792794 | xx | xx | xx | xx | # of Units | 1 |  | Verified | Unable to verify due to missing information |
| 223792815 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223792815 | xx | xx | xx | xx | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 223792816 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223792816 | xx | xx | xx | xx | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223792816 | xx | xx | xx | xx | Original P&I | 2053.13 |  | Verified | Field Value reflects Note value |
| 223792816 | xx | xx | xx | xx | Property Type | Single Family | UTD | Verified | Unable to verify due to missing information |
| 223792816 | xx | xx | xx | xx | Interest Only Period | 12 | 11 | Verified | Unable to verify due to missing information |
| 223792816 | xx | xx | xx | xx | Purpose | Purchase | Construction | Verified | Unable to verify due to missing information |
| 223792816 | xx | xx | xx | xx | # of Units | 1 |  | Verified | Unable to verify due to missing information |
| 223792816 | xx | xx | xx | xx | Original CLTV |  | 73.24905 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223792816 | xx | xx | xx | xx | Original LTV |  | 73.24905 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223792817 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792817 | xx | xx | xx | xx | Original Interest Rate | 5.94 | 9.4068 | Verified | Field Value reflects the Note value |
| 223792817 | xx | xx | xx | xx | Original P&I | 850.00 | 1306.20 | Verified | Field Value reflects Note value |
| 223792817 | xx | xx | xx | xx | Refi Purpose | Cash-out | UTD | Verified | Unable to verify due to missing information |
| 223792817 | xx | xx | xx | xx | LTV Valuation Value | XX |  | Verified | Unable to verify due to missing information |
| 223792818 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792818 | xx | xx | xx | xx | Original Interest Rate | 8.1 | 8.2008 | Verified | Field Value reflects the Note value |
| 223792818 | xx | xx | xx | xx | Original P&I | 700.00 | 1285.86 | Verified | Field Value reflects Note value |
| 223792818 | xx | xx | xx | xx | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| 223792819 | xx | xx | xx | xx | Coborrower First Name | [redacted] | [redacted] | Verified | No co-borrower reflected on Note or 1003 |
| 223792819 | xx | xx | xx | xx | Coborrower Last Name | [redacted] | [redacted] | Verified | No co-borrower reflected on Note or 1003 |
| 223792820 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223792820 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792820 | xx | xx | xx | xx | Original Interest Rate | 9.75 | 9 | Verified | Field Value reflects the Note value |
| 223792820 | xx | xx | xx | xx | Original P&I |  | 2729.88 | Verified | Unable to verify due to missing information |
| 223792820 | xx | xx | xx | xx | Property Type | Single Family | UTD | Verified | Property address per the Note: XX |
| 223792820 | xx | xx | xx | xx | # of Units | 1 | 4 | Verified | Field value reflects source document |
| 223792820 | xx | xx | xx | xx | Contract Sales Price | $XX | $XX | Verified | Unable to verify due to missing information |
| 223792820 | xx | xx | xx | xx | Original LTV | 0 | 100 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223792820 | xx | xx | xx | xx | LTV Valuation Value | XX | XX | Verified | Unable to verify due to missing information |
| 223792821 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792821 | xx | xx | xx | xx | Contract Sales Price | $XX | $XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792821 | xx | xx | xx | xx | Balloon Flag | 1 | 0 | Verified | Field Value reflects Note |
| 223792821 | xx | xx | xx | xx | Original CLTV | 75.58 | 100 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223792821 | xx | xx | xx | xx | Original LTV | 75.58 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223792821 | xx | xx | xx | xx | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223792826 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792826 | xx | xx | xx | xx | PMI Company | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223792826 | xx | xx | xx | xx | PMI Coverage % |  | 12 | Verified | Field value reflects source document |
| 223792828 | xx | xx | xx | xx | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 223792828 | xx | xx | xx | xx | Original Interest Rate | 12 | 11.4 | Verified | Field Value reflects the Note value |
| 223792829 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223792829 | xx | xx | xx | xx | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223792829 | xx | xx | xx | xx | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| 223792829 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792829 | xx | xx | xx | xx | Original Interest Rate |  | 8.29 | Verified | Field Value reflects the Note value |
| 223792829 | xx | xx | xx | xx | Property Type | Single Family Detached | UTD | Verified | Unable to verify due to missing information |
| 223792829 | xx | xx | xx | xx | Occupancy | Primary | UTD | Verified | Unable to verify due to missing information |
| 223792829 | xx | xx | xx | xx | Purpose |  | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223792829 | xx | xx | xx | xx | Appraised Value | XX |  | Verified | Unable to verify due to missing information |
| 223792829 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Unable to verify due to missing information |
| 223792829 | xx | xx | xx | xx | Original LTV | 100 |  | Verified | Unable to verify due to missing information |
| 223792830 | xx | xx | xx | xx | Original Term | 352 | 360 | Verified | Field Value reflects the Note value |
| 223792830 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792830 | xx | xx | xx | xx | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 223792830 | xx | xx | xx | xx | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| 223792832 | xx | xx | xx | xx | Original Term | 452 | 360 | Verified | Field Value reflects the Note value |
| 223792832 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792835 | xx | xx | xx | xx | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223792835 | xx | xx | xx | xx | Amortization Term | 480 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223792835 | xx | xx | xx | xx | Representative FICO | 0 | 651 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223792835 | xx | xx | xx | xx | Doc Type |  | Full | Verified | Field Value reflects documentation located in origination file |
| 223792835 | xx | xx | xx | xx | # of Units |  | 1 | Verified | Field value reflects source document |
| 223792835 | xx | xx | xx | xx | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223792835 | xx | xx | xx | xx | Coborrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223792836 | xx | xx | xx | xx | Representative FICO | 686 | 682 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 223792836 | xx | xx | xx | xx | Margin | 0 |  | Verified | Fixed Rate Note. |
| 223792836 | xx | xx | xx | xx | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| 223792836 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 24.816 | 46.19 | Verified | Field Value reflects total debt ration per the AUS. |
| 223792838 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223792838 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792838 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792838 | xx | xx | xx | xx | Original Interest Rate | 4.48 | 4.475 | Verified | Field Value reflects the Note value |
| 223792838 | xx | xx | xx | xx | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 223792839 | xx | xx | xx | xx | Amortization Term | 480 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223792839 | xx | xx | xx | xx | Product Description | FRM40 | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| 223792839 | xx | xx | xx | xx | Other Financing Senior Total Balance | 0.00 |  | Verified | Field value reflects source document |
| 223792839 | xx | xx | xx | xx | Other Financing Junior Total Original Loan Amount | 0.00 |  | Verified | Field value reflects source document |
| 223792841 | xx | xx | xx | xx | Original Interest Rate | 0 | 6.625 | Verified | Field Value reflects the Note value |
| 223792841 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223792842 | xx | xx | xx | xx | Original Interest Rate | 0 | 5.75 | Verified | Field Value reflects the Note value |
| 223792842 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223792843 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792843 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792843 | xx | xx | xx | xx | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223792843 | xx | xx | xx | xx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223792843 | xx | xx | xx | xx | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223792843 | xx | xx | xx | xx | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| 223792843 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223792844 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223792844 | xx | xx | xx | xx | Contract Sales Price | $XX | $XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792844 | xx | xx | xx | xx | Original CLTV | 0.8 | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223792844 | xx | xx | xx | xx | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223792844 | xx | xx | xx | xx | Borrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223792845 | xx | xx | xx | xx | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223792845 | xx | xx | xx | xx | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223792845 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792847 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223792847 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792847 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792847 | xx | xx | xx | xx | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223792847 | xx | xx | xx | xx | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223792847 | xx | xx | xx | xx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223792847 | xx | xx | xx | xx | Original CLTV | 67.54 | 74.95614 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223792847 | xx | xx | xx | xx | Original LTV | 67.54 | 74.95614 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223792847 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223812551 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223812551 | xx | xx | xx | xx | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 223812551 | xx | xx | xx | xx | Prepayment Penalty Period (months) | 1 | 12 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note rider |
| 223812551 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223812551 | xx | xx | xx | xx | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812551 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | DSCR loan |
| 223812551 | xx | xx | xx | xx | PITIA Reserves Months | 12.00 | 37.33 | Verified | Field value reflects source document |
| 223812552 | xx | xx | xx | xx | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223812552 | xx | xx | xx | xx | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223812552 | xx | xx | xx | xx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223812552 | xx | xx | xx | xx | Prepayment Penalty Period (months) | 1000 | 7 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223812552 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| 223812552 | xx | xx | xx | xx | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812552 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | No DTI, DSCR loan |
| 223812552 | xx | xx | xx | xx | PITIA Reserves Months | 6.00 | 20.15 | Verified | Field value reflects source document |
| 223812553 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223812553 | xx | xx | xx | xx | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223812553 | xx | xx | xx | xx | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812553 | xx | xx | xx | xx | PITIA Reserves Months | 12.00 | 14.41 | Verified | Field value reflects source document |
| 223812554 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| 223812554 | xx | xx | xx | xx | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812554 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Unable to verify due to missing information |
| 223812554 | xx | xx | xx | xx | PITIA Reserves Months | 12.00 | 121.08 | Verified | Field value reflects source document |
| 223812555 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223812555 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223812555 | xx | xx | xx | xx | Borrower SSN | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223812555 | xx | xx | xx | xx | Prepayment Penalty Period (months) | 1000 |  | Verified | Unable to verify due to missing information |
| 223812555 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223812555 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812555 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Unable to verify due to missing information |
| 223812555 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812555 | xx | xx | xx | xx | PITIA Reserves Months | 15.00 | 318.02 | Verified | Field value reflects source document |
| 223812556 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223812556 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812556 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Unable to verify due to missing information |
| 223812556 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812556 | xx | xx | xx | xx | PITIA Reserves Months | 89.00 | 88.93 | Verified | Field value reflects source document |
| 223812557 | xx | xx | xx | xx | Prepayment Penalty Period (months) | 1000 |  | Verified | Unable to verify due to missing information |
| 223812557 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223812557 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812557 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Unable to verify due to missing information |
| 223812557 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812557 | xx | xx | xx | xx | PITIA Reserves Months | 50.00 | 49.57 | Verified | Field value reflects source document |
| 223812558 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223812558 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223812558 | xx | xx | xx | xx | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223812558 | xx | xx | xx | xx | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223812558 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223812558 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812558 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223812558 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812558 | xx | xx | xx | xx | PITIA Reserves Months | 141.00 | 17.88 | Verified | Field value reflects source document |
| 223812559 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223812559 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812559 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Unable to verify due to missing information |
| 223812559 | xx | xx | xx | xx | PITIA Reserves Months | 62.00 | 61.62 | Verified | Field value reflects source document |
| 223812560 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223812560 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223812560 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812560 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812560 | xx | xx | xx | xx | PITIA Reserves Months | 12.00 | 120.43 | Verified | Field value reflects source document |
| 223812562 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223812562 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223812562 | xx | xx | xx | xx | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223812562 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223812562 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812562 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223812562 | xx | xx | xx | xx | PITIA Reserves Months | 75.00 | 314.28 | Verified | Field value reflects source document |
| 223812563 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223812563 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223812563 | xx | xx | xx | xx | Borrower SSN | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223812563 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223812563 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812563 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Unable to verify due to missing information |
| 223812563 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812563 | xx | xx | xx | xx | PITIA Reserves Months | 12.00 | 124.53 | Verified | Field value reflects source document |
| 223812564 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223812564 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223812564 | xx | xx | xx | xx | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223812564 | xx | xx | xx | xx | Representative FICO | 793 | 781 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223812564 | xx | xx | xx | xx | PITIA Reserves Months | 12.00 | 105.36 | Verified | Field value reflects source document |
| 223812565 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223812565 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223812565 | xx | xx | xx | xx | Borrower SSN | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223812565 | xx | xx | xx | xx | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223812565 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223812565 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812565 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Unable to verify due to missing information |
| 223812565 | xx | xx | xx | xx | PITIA Reserves Months | 51.00 | 102.65 | Verified | Field value reflects source document |
| 223812566 | xx | xx | xx | xx | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223812566 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223812566 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812566 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223812566 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812566 | xx | xx | xx | xx | PITIA Reserves Months | 41.00 | 62.11 | Verified | Field value reflects source document |
| 223812568 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223812568 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223812568 | xx | xx | xx | xx | Borrower SSN | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223812568 | xx | xx | xx | xx | PITIA Reserves Months | 10.00 | 19.90 | Verified | Field value reflects source document |
| 223812572 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812572 | xx | xx | xx | xx | PITIA Reserves Months | 24.00 | 26.41 | Verified | Field value reflects source document |
| 223812582 | xx | xx | xx | xx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223812582 | xx | xx | xx | xx | Original CLTV | 39.9 | 33.25 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223812582 | xx | xx | xx | xx | Original LTV | 39.9 | 33.25 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223812582 | xx | xx | xx | xx | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223812582 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223812582 | xx | xx | xx | xx | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812582 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812582 | xx | xx | xx | xx | PITIA Reserves Months | 12.00 | 74.16 | Verified | Field value reflects source document |
| 223812588 | xx | xx | xx | xx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223812588 | xx | xx | xx | xx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223812588 | xx | xx | xx | xx | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223812588 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223812588 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812588 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 43 | 37.33014 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223812588 | xx | xx | xx | xx | PITIA Reserves Months | 12.00 | 30.30 | Verified | Field value reflects source document |
| 223812589 | xx | xx | xx | xx | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 223812589 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812589 | xx | xx | xx | xx | PITIA Reserves Months | 6.00 | 5.92 | Verified | Field value reflects source document |
| 223812590 | xx | xx | xx | xx | Doc Type | Alt | 24mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 223812590 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812590 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812590 | xx | xx | xx | xx | PITIA Reserves Months | 24.00 | 22.31 | Verified | Field value reflects source document |
| 223812592 | xx | xx | xx | xx | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223812592 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223812592 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812592 | xx | xx | xx | xx | PITIA Reserves Months | 24.00 | 17.17 | Verified | Field value reflects source document |
| 223812595 | xx | xx | xx | xx | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223812595 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223812595 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812595 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 10 | 4.8928 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223812595 | xx | xx | xx | xx | PITIA Reserves Months | 24.00 | 41.66 | Verified | Field value reflects source document |
| 223812596 | xx | xx | xx | xx | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223812596 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223812596 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812596 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812596 | xx | xx | xx | xx | PITIA Reserves Months | 28.00 | 91.46 | Verified | Field value reflects source document |
| 223812597 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812597 | xx | xx | xx | xx | PITIA Reserves Months | 9.00 | 6.25 | Verified | Field value reflects source document |
| 223812601 | xx | xx | xx | xx | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223812601 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223812601 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812601 | xx | xx | xx | xx | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| 223812601 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 48.428 | 37.8568 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223812601 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812601 | xx | xx | xx | xx | PITIA Reserves Months | 24.00 | 7.04 | Verified | Field value reflects source document |
| 223812603 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223812603 | xx | xx | xx | xx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223812603 | xx | xx | xx | xx | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 223812603 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812603 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 43 | 27.38894 | Verified | Calculated as per the provided document and exception added for the missing credit report. |
| 223812603 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812603 | xx | xx | xx | xx | PITIA Reserves Months | 12.00 | 44.00 | Verified | Field value reflects source document |
| 223812606 | xx | xx | xx | xx | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 223812606 | xx | xx | xx | xx | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223812606 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223812606 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812606 | xx | xx | xx | xx | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| 223812606 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812606 | xx | xx | xx | xx | PITIA Reserves Months | 18.00 | 8.27 | Verified | Field value reflects source document |
| 223812613 | xx | xx | xx | xx | PITIA Reserves Months | 1.72 | 5.13 | Verified | Field value reflects source document |
| 223812614 | xx | xx | xx | xx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223812614 | xx | xx | xx | xx | PITIA Reserves Months | 2.54 | 7.14 | Verified | Field value reflects source document |
| 223812616 | xx | xx | xx | xx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223812616 | xx | xx | xx | xx | Index Type | LIBOR - 1 Year (Daily) |  | Verified | Fixed rate loan |
| 223812616 | xx | xx | xx | xx | Margin | 5 |  | Verified | Fixed rate loan |
| 223812616 | xx | xx | xx | xx | Interest Rate Life Min | 5 |  | Verified | Fixed rate loan |
| 223812616 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | 39.214 | 32.92471 | Verified | Due to loan type (fixed vs. ARM) |
| 223812616 | xx | xx | xx | xx | PITIA Reserves Months | 15.20 | 32.08 | Verified | Field value reflects source document |
| 223812619 | xx | xx | xx | xx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223812619 | xx | xx | xx | xx | Originator Loan Designation |  | N/A | Verified | Per deal notes for investment property=N/A. |
| 223812619 | xx | xx | xx | xx | PITIA Reserves Months | 63.44 | 62.30 | Verified | Field value reflects source document |
| 223813793 | xx | xx | xx | xx | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223813793 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813793 | xx | xx | xx | xx | Original P&I | 1689.23 | 1418.57 | Verified | Field Value reflects Note value |
| 223813793 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223813793 | xx | xx | xx | xx | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813794 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813794 | xx | xx | xx | xx | Original P&I | 2828.74 | 2074.42 | Verified | Field Value reflects Note value |
| 223813794 | xx | xx | xx | xx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223813794 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813794 | xx | xx | xx | xx | First Interest Rate Change Date | [redacted] | [redacted] | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223813794 | xx | xx | xx | xx | Next Interest Rate Change Date |  | 2025-01-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223813794 | xx | xx | xx | xx | Interest Rate Change Frequency |  | 12 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223813794 | xx | xx | xx | xx | Interest Rate Life Max |  | 10.875 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223813794 | xx | xx | xx | xx | Interest Rate Periodic Cap |  | 2 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223813794 | xx | xx | xx | xx | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223813794 | xx | xx | xx | xx | Refi Purpose | Limited Cash-out GSE |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813794 | xx | xx | xx | xx | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813795 | xx | xx | xx | xx | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223813795 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813795 | xx | xx | xx | xx | Original P&I | 2642.80 | 2709.84 | Verified | Field Value reflects Note value |
| 223813795 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813795 | xx | xx | xx | xx | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Unable to verify due to missing information |
| 223813795 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813796 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223813796 | xx | xx | xx | xx | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223813796 | xx | xx | xx | xx | Original Term | 398 | 360 | Verified | Field Value reflects the Note value |
| 223813796 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813796 | xx | xx | xx | xx | Original P&I | 1209.79 | 1597.58 | Verified | Field Value reflects Note value |
| 223813796 | xx | xx | xx | xx | Property Type | Single Family Detached | UTD | Verified | Unable to verify due to missing information |
| 223813796 | xx | xx | xx | xx | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813796 | xx | xx | xx | xx | Borrower Middle Name | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223813797 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223813797 | xx | xx | xx | xx | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223813797 | xx | xx | xx | xx | Coborrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223813797 | xx | xx | xx | xx | Coborrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223813797 | xx | xx | xx | xx | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223813797 | xx | xx | xx | xx | Original Term | 360 | 180 | Verified | Field Value reflects the Note value |
| 223813797 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813797 | xx | xx | xx | xx | Original P&I | 560.38 | 766.71 | Verified | Field Value reflects Note value |
| 223813797 | xx | xx | xx | xx | Property Type | Single Family Detached | UTD | Verified | Unable to verify due to missing information |
| 223813797 | xx | xx | xx | xx | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813797 | xx | xx | xx | xx | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813797 | xx | xx | xx | xx | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813797 | xx | xx | xx | xx | Coborrower Middle Name | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223813799 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223813799 | xx | xx | xx | xx | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223813799 | xx | xx | xx | xx | Coborrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223813799 | xx | xx | xx | xx | Coborrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223813799 | xx | xx | xx | xx | Coborrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223813799 | xx | xx | xx | xx | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223813799 | xx | xx | xx | xx | Original Term | 360 | 480 | Verified | Field Value reflects the Note value |
| 223813799 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813799 | xx | xx | xx | xx | Original P&I | 2578.79 | 2710.00 | Verified | Field Value reflects Note value |
| 223813799 | xx | xx | xx | xx | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813800 | xx | xx | xx | xx | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223813800 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Security Instrument |
| 223813800 | xx | xx | xx | xx | Original P&I | 2311.18 | 1312.21 | Verified | Field Value reflects Note value |
| 223813800 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813800 | xx | xx | xx | xx | First Interest Rate Change Date | [redacted] | [redacted] | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223813800 | xx | xx | xx | xx | Next Interest Rate Change Date |  | 2025-09-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223813800 | xx | xx | xx | xx | Interest Rate Change Frequency |  | 12 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223813800 | xx | xx | xx | xx | Interest Rate Life Max |  | 10.125 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223813800 | xx | xx | xx | xx | Interest Rate Periodic Cap |  | 2 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223813800 | xx | xx | xx | xx | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223813800 | xx | xx | xx | xx | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813800 | xx | xx | xx | xx | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813801 | xx | xx | xx | xx | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223813801 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813801 | xx | xx | xx | xx | Original P&I | 2535.36 | 2687.50 | Verified | Field Value reflects Note value |
| 223813801 | xx | xx | xx | xx | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813801 | xx | xx | xx | xx | First Interest Rate Change Date | [redacted] | [redacted] | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223813801 | xx | xx | xx | xx | Next Interest Rate Change Date |  | 2025-09-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223813801 | xx | xx | xx | xx | Interest Rate Change Frequency |  | 12 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223813801 | xx | xx | xx | xx | Interest Rate Life Max |  | 10.375 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223813801 | xx | xx | xx | xx | Interest Rate Periodic Cap |  | 2 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223813801 | xx | xx | xx | xx | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223813801 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Unable to verify due to missing information |
| 223813801 | xx | xx | xx | xx | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813802 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223813802 | xx | xx | xx | xx | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223813802 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813802 | xx | xx | xx | xx | Original P&I | 1968.23 | 2038.47 | Verified | Field Value reflects Note value |
| 223813802 | xx | xx | xx | xx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223813802 | xx | xx | xx | xx | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813802 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Unable to verify due to missing information |
| 223813802 | xx | xx | xx | xx | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813802 | xx | xx | xx | xx | Borrower Middle Name | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223813803 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813803 | xx | xx | xx | xx | Original P&I | 4769.48 | 4177.98 | Verified | Field Value reflects Note value |
| 223813803 | xx | xx | xx | xx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223813803 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813803 | xx | xx | xx | xx | Refi Purpose | Limited Cash-out GSE |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813803 | xx | xx | xx | xx | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813803 | xx | xx | xx | xx | Coborrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813804 | xx | xx | xx | xx | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223813804 | xx | xx | xx | xx | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223813804 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813804 | xx | xx | xx | xx | Original P&I | 682.39 | 527.63 | Verified | Field Value reflects Note value |
| 223813804 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Refinance transaction |
| 223813805 | xx | xx | xx | xx | Original P&I | 2060.29 | 1011.68 | Verified | Field Value reflects Note value |
| 223813805 | xx | xx | xx | xx | Property Type | Townhouse | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223813805 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813805 | xx | xx | xx | xx | First Interest Rate Change Date | [redacted] | [redacted] | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223813805 | xx | xx | xx | xx | Next Interest Rate Change Date | 2025-07-01 | 2025-06-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223813805 | xx | xx | xx | xx | Interest Rate Life Max | 5 | 9.375 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223813805 | xx | xx | xx | xx | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813805 | xx | xx | xx | xx | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813806 | xx | xx | xx | xx | Coborrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223813806 | xx | xx | xx | xx | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223813806 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813806 | xx | xx | xx | xx | Original P&I | 3402.69 | 3481.72 | Verified | Field Value reflects Note value |
| 223813806 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | This is Refinance file |
| 223813806 | xx | xx | xx | xx | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813806 | xx | xx | xx | xx | Coborrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813806 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813807 | xx | xx | xx | xx | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223813807 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813807 | xx | xx | xx | xx | Original P&I | 1641.91 | 1750.02 | Verified | Field Value reflects Note value |
| 223813807 | xx | xx | xx | xx | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813807 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223813807 | xx | xx | xx | xx | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813807 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813808 | xx | xx | xx | xx | Original Term | 470 | 360 | Verified | Field Value reflects the Note value |
| 223813808 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813808 | xx | xx | xx | xx | Original P&I | 1957.94 | 1729.13 | Verified | Field Value reflects Note value |
| 223813808 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813808 | xx | xx | xx | xx | Contract Sales Price | $XX | $XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223813808 | xx | xx | xx | xx | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813808 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813809 | xx | xx | xx | xx | Coborrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223813809 | xx | xx | xx | xx | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223813809 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813809 | xx | xx | xx | xx | Original P&I | 599.70 | 387.00 | Verified | Field Value reflects Note value |
| 223813809 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813809 | xx | xx | xx | xx | First Interest Rate Change Date | [redacted] | [redacted] | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223813809 | xx | xx | xx | xx | Next Interest Rate Change Date |  | 2025-06-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223813809 | xx | xx | xx | xx | Interest Rate Change Frequency |  | 12 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223813809 | xx | xx | xx | xx | Interest Rate Life Max |  | 10.375 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223813809 | xx | xx | xx | xx | Interest Rate Periodic Cap |  | 2 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223813809 | xx | xx | xx | xx | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223813809 | xx | xx | xx | xx | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813809 | xx | xx | xx | xx | PMI Coverage % |  | 25 | Verified | Field value reflects source document |
| 223813809 | xx | xx | xx | xx | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813809 | xx | xx | xx | xx | Coborrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813809 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813809 | xx | xx | xx | xx | PMI MI Certificate Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813811 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223813811 | xx | xx | xx | xx | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223813811 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813811 | xx | xx | xx | xx | Original P&I | 2323.83 | 2343.00 | Verified | Field Value reflects Note value |
| 223813811 | xx | xx | xx | xx | Property Type | Single Family Detached | UTD | Verified | Unable to verify due to missing information |
| 223813811 | xx | xx | xx | xx | First Interest Rate Change Date | [redacted] | [redacted] | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223813811 | xx | xx | xx | xx | Next Interest Rate Change Date |  | 2025-01-27 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223813811 | xx | xx | xx | xx | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223813811 | xx | xx | xx | xx | Interest Rate Life Max |  | 13.38 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223813811 | xx | xx | xx | xx | Interest Rate Periodic Cap |  | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223813811 | xx | xx | xx | xx | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223813811 | xx | xx | xx | xx | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813811 | xx | xx | xx | xx | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813812 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223813812 | xx | xx | xx | xx | Coborrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223813812 | xx | xx | xx | xx | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223813812 | xx | xx | xx | xx | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223813812 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813812 | xx | xx | xx | xx | Original P&I | 1972.53 | 3033.81 | Verified | Field Value reflects Note value |
| 223813812 | xx | xx | xx | xx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223813812 | xx | xx | xx | xx | First Interest Rate Change Date | [redacted] | [redacted] | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223813812 | xx | xx | xx | xx | Next Interest Rate Change Date |  | 2025-05-27 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223813812 | xx | xx | xx | xx | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223813812 | xx | xx | xx | xx | Interest Rate Life Max |  | 12.5 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223813812 | xx | xx | xx | xx | Interest Rate Periodic Cap |  | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223813812 | xx | xx | xx | xx | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223813812 | xx | xx | xx | xx | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813812 | xx | xx | xx | xx | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813812 | xx | xx | xx | xx | Coborrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813813 | xx | xx | xx | xx | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223813813 | xx | xx | xx | xx | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223813813 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813813 | xx | xx | xx | xx | Original P&I | 1333.12 | 1630.30 | Verified | Field Value reflects Note value |
| 223813813 | xx | xx | xx | xx | Property Type | Single Family Detached | UTD | Verified | Unable to verify due to missing information |
| 223813813 | xx | xx | xx | xx | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813814 | xx | xx | xx | xx | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223813814 | xx | xx | xx | xx | Original Term | 480 | 180 | Verified | Field Value reflects the Note value |
| 223813814 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813814 | xx | xx | xx | xx | Original P&I | 1158.56 | 928.58 | Verified | Field Value reflects Note value |
| 223813814 | xx | xx | xx | xx | Property Type | Single Family Detached | UTD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223813814 | xx | xx | xx | xx | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813815 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223813815 | xx | xx | xx | xx | Coborrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223813815 | xx | xx | xx | xx | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223813815 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813815 | xx | xx | xx | xx | Original P&I | 2338.31 | 1574.33 | Verified | Field Value reflects Note value |
| 223813815 | xx | xx | xx | xx | Property Type | Single Family Detached | UTD | Verified | Unable to verify due to missing information |
| 223813815 | xx | xx | xx | xx | Occupancy | Primary | UTD | Verified | Unable to verify due to missing information |
| 223813815 | xx | xx | xx | xx | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813815 | xx | xx | xx | xx | Coborrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813816 | xx | xx | xx | xx | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223813816 | xx | xx | xx | xx | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223813816 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813816 | xx | xx | xx | xx | Original P&I | 1119.06 | 1417.57 | Verified | Field Value reflects Note value |
| 223813816 | xx | xx | xx | xx | Property Type | Single Family Detached | UTD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223813816 | xx | xx | xx | xx | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813817 | xx | xx | xx | xx | Original Term | 570 | 360 | Verified | Field Value reflects the Note value |
| 223813817 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813817 | xx | xx | xx | xx | Original P&I | 2408.88 | 1632.97 | Verified | Field Value reflects Note value |
| 223813817 | xx | xx | xx | xx | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813817 | xx | xx | xx | xx | First Interest Rate Change Date | [redacted] | [redacted] | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223813817 | xx | xx | xx | xx | Next Interest Rate Change Date |  | 2025-01-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223813817 | xx | xx | xx | xx | Interest Rate Change Frequency |  | 1 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223813817 | xx | xx | xx | xx | Interest Rate Life Max |  | 12.25 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223813817 | xx | xx | xx | xx | Interest Rate Periodic Cap |  | 0 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223813817 | xx | xx | xx | xx | Rounding Factor |  | 0.000 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223813817 | xx | xx | xx | xx | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813818 | xx | xx | xx | xx | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223813818 | xx | xx | xx | xx | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223813818 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813818 | xx | xx | xx | xx | Original P&I | 2423.24 | 2308.92 | Verified | Field Value reflects Note value |
| 223813818 | xx | xx | xx | xx | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813818 | xx | xx | xx | xx | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813821 | xx | xx | xx | xx | Original Term | 480 | 228 | Verified | Field Value reflects the Note value |
| 223813821 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813821 | xx | xx | xx | xx | Original P&I | 2742.64 | 1608.62 | Verified | Field Value reflects Note value |
| 223813821 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223813821 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813822 | xx | xx | xx | xx | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223813822 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813822 | xx | xx | xx | xx | Original P&I | 730.48 | 831.88 | Verified | Field Value reflects Note value |
| 223813822 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813822 | xx | xx | xx | xx | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Purchase file |
| 223813822 | xx | xx | xx | xx | PMI Coverage % | 30 |  | Verified | Unable to verify due to missing information |
| 223813822 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813823 | xx | xx | xx | xx | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223813823 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223813823 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813824 | xx | xx | xx | xx | Original P&I | 1093.54 | 1037.53 | Verified | Field Value reflects Note value |
| 223813824 | xx | xx | xx | xx | Property Type | Condo (High Rise) | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223813824 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813824 | xx | xx | xx | xx | Refi Purpose | Limited Cash-out GSE |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813824 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813825 | xx | xx | xx | xx | Original P&I | 2213.21 | 711.22 | Verified | Field Value reflects Note value |
| 223813825 | xx | xx | xx | xx | Property Type | Single Family Detached | PUD | Verified | Field Value reflects the Approval/AUS in file. |
| 223813825 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Approval/AUS |
| 223813825 | xx | xx | xx | xx | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813825 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | ULI not given. |
| 223813826 | xx | xx | xx | xx | Original P&I | 1529.18 | 1078.71 | Verified | Field Value reflects Note value |
| 223813826 | xx | xx | xx | xx | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813826 | xx | xx | xx | xx | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813826 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813826 | xx | xx | xx | xx | Flood Certificate/Order Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813828 | xx | xx | xx | xx | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223813828 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813828 | xx | xx | xx | xx | Original P&I | 1525.03 | 1075.09 | Verified | Field Value reflects Note value |
| 223813828 | xx | xx | xx | xx | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813828 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223813828 | xx | xx | xx | xx | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813828 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813828 | xx | xx | xx | xx | Flood Certificate/Order Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813829 | xx | xx | xx | xx | Original P&I | 1766.34 | 1369.59 | Verified | Field Value reflects Note value |
| 223813829 | xx | xx | xx | xx | Property Type | Condo (High Rise) | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223813829 | xx | xx | xx | xx | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813829 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | The subject loan is a refinance. |
| 223813829 | xx | xx | xx | xx | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813829 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813829 | xx | xx | xx | xx | Flood Certificate/Order Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813830 | xx | xx | xx | xx | Original P&I | 2252.11 | 1710.53 | Verified | Field Value reflects Note value |
| 223813830 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223813830 | xx | xx | xx | xx | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813830 | xx | xx | xx | xx | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813830 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813832 | xx | xx | xx | xx | Original P&I | 3605.13 | 1605.72 | Verified | Field Value reflects Note value |
| 223813832 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813832 | xx | xx | xx | xx | Refi Purpose | Limited Cash-out GSE |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813832 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813833 | xx | xx | xx | xx | Original P&I | 2442.37 | 2090.66 | Verified | Field Value reflects Note value |
| 223813833 | xx | xx | xx | xx | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813833 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | refinance loan |
| 223813833 | xx | xx | xx | xx | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813833 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813834 | xx | xx | xx | xx | Original P&I | 3241.21 | 2359.28 | Verified | Field Value reflects Note value |
| 223813834 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813834 | xx | xx | xx | xx | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813834 | xx | xx | xx | xx | PMI Coverage % | 35 |  | Verified | PMI cert not provided in file. |
| 223813834 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813835 | xx | xx | xx | xx | Original P&I | 992.19 | 713.46 | Verified | Field Value reflects Note value |
| 223813835 | xx | xx | xx | xx | Property Type | Townhouse | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223813835 | xx | xx | xx | xx | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813835 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223813835 | xx | xx | xx | xx | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813835 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813836 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223813836 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813838 | xx | xx | xx | xx | Original P&I | 1451.33 | 1051.09 | Verified | Field Value reflects Note value |
| 223813838 | xx | xx | xx | xx | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813838 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223813838 | xx | xx | xx | xx | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813838 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813839 | xx | xx | xx | xx | Original P&I | 5364.15 | 4169.80 | Verified | Field Value reflects Note value |
| 223813839 | xx | xx | xx | xx | Property Type | Condo (High Rise) | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223813839 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813839 | xx | xx | xx | xx | First Interest Rate Change Date | [redacted] | [redacted] | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223813839 | xx | xx | xx | xx | Next Interest Rate Change Date | 2031-02-01 | 2031-01-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223813839 | xx | xx | xx | xx | Interest Rate Life Max | 5 | 12.25 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223813839 | xx | xx | xx | xx | Interest Rate Periodic Cap | 5 | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223813839 | xx | xx | xx | xx | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813839 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813840 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223813840 | xx | xx | xx | xx | Original P&I | 2519.77 | 2149.24 | Verified | Field Value reflects Note value |
| 223813840 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813840 | xx | xx | xx | xx | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813840 | xx | xx | xx | xx | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813840 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813841 | xx | xx | xx | xx | Original P&I | 2898.53 | 1961.37 | Verified | Field Value reflects Note value |
| 223813841 | xx | xx | xx | xx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223813841 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813841 | xx | xx | xx | xx | First Interest Rate Change Date | [redacted] | [redacted] | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223813841 | xx | xx | xx | xx | Next Interest Rate Change Date | 2031-03-01 | 2031-02-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223813841 | xx | xx | xx | xx | Interest Rate Life Max | 5 | 11.75 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223813841 | xx | xx | xx | xx | Interest Rate Periodic Cap | 5 | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223813841 | xx | xx | xx | xx | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813841 | xx | xx | xx | xx | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813841 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813842 | xx | xx | xx | xx | Original P&I | 2093.88 | 1620.17 | Verified | Field Value reflects Note value |
| 223813842 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813842 | xx | xx | xx | xx | First Interest Rate Change Date | [redacted] | [redacted] | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223813842 | xx | xx | xx | xx | Next Interest Rate Change Date | 2031-03-01 | 2031-02-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223813842 | xx | xx | xx | xx | Interest Rate Life Max | 5 | 12.25 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223813842 | xx | xx | xx | xx | Interest Rate Periodic Cap | 5 | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223813842 | xx | xx | xx | xx | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Purchase file |
| 223813842 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813843 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223813843 | xx | xx | xx | xx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223813843 | xx | xx | xx | xx | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813843 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223813843 | xx | xx | xx | xx | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813843 | xx | xx | xx | xx | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813843 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813844 | xx | xx | xx | xx | Original P&I | 1117.50 | 883.85 | Verified | Field Value reflects Note value |
| 223813844 | xx | xx | xx | xx | Property Type | Townhouse | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223813844 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813844 | xx | xx | xx | xx | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813844 | xx | xx | xx | xx | PMI Coverage % | 25 |  | Verified | Field value reflects source document |
| 223813844 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813845 | xx | xx | xx | xx | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813845 | xx | xx | xx | xx | First Interest Rate Change Date | [redacted] | [redacted] | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223813845 | xx | xx | xx | xx | Next Interest Rate Change Date | 2034-03-01 | 2034-02-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223813845 | xx | xx | xx | xx | Interest Rate Life Max | 5 | 12.625 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223813845 | xx | xx | xx | xx | Interest Rate Periodic Cap | 5 | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223813846 | xx | xx | xx | xx | Original P&I | 2106.93 | 1738.70 | Verified | Field Value reflects Note value |
| 223813846 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813846 | xx | xx | xx | xx | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813846 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813847 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223813847 | xx | xx | xx | xx | Original P&I | 1103.00 | 828.82 | Verified | Field Value reflects Note value |
| 223813847 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813847 | xx | xx | xx | xx | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813847 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813848 | xx | xx | xx | xx | Original P&I | 861.24 | 624.88 | Verified | Field Value reflects Note value |
| 223813848 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813848 | xx | xx | xx | xx | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813848 | xx | xx | xx | xx | PMI Coverage % | 25 |  | Verified | Field value reflects source document |
| 223813848 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813849 | xx | xx | xx | xx | Original P&I | 2729.98 | 2101.63 | Verified | Field Value reflects Note value |
| 223813849 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813849 | xx | xx | xx | xx | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | This is a Purchase Transaction. |
| 223813849 | xx | xx | xx | xx | PMI Coverage % | 30 |  | Verified | Field value reflects source document |
| 223813849 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Not MERS Originated. |
| 223813850 | xx | xx | xx | xx | Original P&I | 1521.48 | 1056.52 | Verified | Field Value reflects Note value |
| 223813850 | xx | xx | xx | xx | Property Type | Townhouse | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223813850 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813850 | xx | xx | xx | xx | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Loan is a purchase. |
| 223813850 | xx | xx | xx | xx | PMI Coverage % | 25 |  | Verified | Unable to verify due to missing information |
| 223813850 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223813850 | xx | xx | xx | xx | PMI MI Certificate Number | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223813851 | xx | xx | xx | xx | Original P&I | 3505.09 | 2891.64 | Verified | Field Value reflects Note value |
| 223813851 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813851 | xx | xx | xx | xx | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Unable to verify due to missing information |
| 223813851 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223813852 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223813852 | xx | xx | xx | xx | Original P&I | 5066.85 | 4340.60 | Verified | Field Value reflects Note value |
| 223813852 | xx | xx | xx | xx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223813852 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813852 | xx | xx | xx | xx | First Interest Rate Change Date | [redacted] | [redacted] | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223813852 | xx | xx | xx | xx | Next Interest Rate Change Date | 2034-09-01 | 2034-08-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223813852 | xx | xx | xx | xx | Interest Rate Life Max | 5 | 12 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223813852 | xx | xx | xx | xx | Interest Rate Periodic Cap | 5 | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223813852 | xx | xx | xx | xx | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813852 | xx | xx | xx | xx | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813852 | xx | xx | xx | xx | Coborrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813852 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813853 | xx | xx | xx | xx | Coborrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223813853 | xx | xx | xx | xx | Original P&I | 3375.54 | 2977.19 | Verified | Field Value reflects Note value |
| 223813853 | xx | xx | xx | xx | Contract Sales Price | $XX |  | Verified | Refinance Transaction |
| 223813853 | xx | xx | xx | xx | Coborrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813853 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223815640 | xx | xx | xx | xx | Original Term | 283 | 180 |  |  |
| 223815640 | xx | xx | xx | xx | Occupancy | Primary | Investment |  |  |
| 223815640 | xx | xx | xx | xx | # of Units | 1 |  |  |  |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 7/29/2025 2:39:50 PM** | **Run Date - 7/29/2025 2:39:50 PM** | **Run Date - 7/29/2025 2:39:50 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Initial Exception Rating** | **DBRS Final Exception Rating** | **Fitch Initial Exception Rating** | **Fitch Final Exception Rating** | **Kroll Initial Exception Rating** | **Kroll Final Exception Rating** | **Moody's Initial Exception Rating** | **Moody's Final Exception Rating** | **S&P Initial Exception Rating** | **S&P Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Overall<br> Initial Loan Grade** | **Overall<br> Final Loan Grade** | **Credit<br> Initial Loan Grade** | **Credit<br> Final Loan Grade** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Property<br> Initial Loan Grade** | **Property<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 223792538 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Does not meet agency guidelines. Loan does not meet seasoning, first payment for original loan was [redacted]and new loan closed [redacted]. |  |  |  | Reviewer Comment (2023-06-15): S&D reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | C | C | C | C | D | D | Non QM | ATR Fail | No |
| 223792538 | xx | xx | xx | xx |  |  | Credit | Compliance | Federal Compliance | ATR/QM Defect | VA Non IRRRL Loan - Total Borrower Paid Fees Exceeds[redacted]% | Origination Fee and/or Itemized Fees and Charges paid by the borrower $[redacted], exceeds[redacted]% of the loan amount of $[redacted] or $[redacted] |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | AZ | Primary | Refinance - Cash-out - Other | LOE, refund check or principal curtailment documentation, and proof of delivery. | D | D | C | C | C | C | D | D | Non QM | ATR Fail | Yes |
| 223792538 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-x/Final Closing Disclosure. | RESPA: Initial escrow account statement signed by borrower dated [redacted]does not match charges on HUD-x/Final Closing Disclosure. Initial deposit shows $[redacted] but HUD shows $[redacted] |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | D | D | C | C | C | C | D | D | Non QM | ATR Fail | Yes |
| 223792538 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted]: Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. |  |  |  |  |  |  |  | 3 | B | B | C | C | B | B | C | C | B | B |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | D | C | C | C | C | D | D | Non QM | ATR Fail | Yes |
| 223792538 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment -[redacted] | Ability to Repay ([redacted]): Unable to verify current [redacted] employment status using reasonably reliable third-party records. | Unable to verify current Wages/W-x employment status using reasonably reliable third-party records. [redacted] is missing. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | C | C | C | C | D | D | Non QM | ATR Fail | No |
| 223792538 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID[redacted]Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. ([redacted]) |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | D | C | C | C | C | D | D | Non QM | ATR Fail | Yes |
| 223792538 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | C | C | C | C | D | D | Non QM | ATR Fail | No |
| 223792540 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Loan closed over Max VA Entitlement. Max entitlement should have been $[redacted] but closed at $[redacted]. Loan is current |  |  |  | Reviewer Comment (2023-06-15): S&D Reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | WY | Primary | Purchase |  | D | D | C | C | C | C | D | D | Non QM | ATR Fail | No |
| 223792540 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Loan Guaranty Certificate is missing. |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | WY | Primary | Purchase |  | D | D | C | C | C | C | D | D | Non QM | ATR Fail | No |
| 223792540 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | WY | Primary | Purchase |  | D | D | C | C | C | C | D | D | Non QM | ATR Fail | No |
| 223792540 | xx | xx | xx | xx |  |  | Credit | Compliance | Federal Compliance | ATR/QM Defect | VA Non IRRRL Loan - Total Borrower Paid Fees Exceeds [redacted]% | Origination Fee and/or Itemized Fees and Charges paid by the borrower $[redacted], exceeds[redacted]% of the loan amount of $[redacted] or $[redacted] |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | WY | Primary | Purchase | LOE, refund check or principal curtailment documentation, and proof of delivery. | D | D | C | C | C | C | D | D | Non QM | ATR Fail | Yes |
| 223792540 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted] testing to Non QM due to missing signed copies of tax returns for most recent years. |  |  |  |  |  |  |  | 3 | B | B | C | C | B | B | C | C | B | B |  | WY | Primary | Purchase | Lender to provide updated ATR/QM status | D | D | C | C | C | C | D | D | Non QM | ATR Fail | Yes |
| 223792540 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule [redacted] | Ability to Repay ([redacted]): Unable to verify [redacted] income using reasonably reliable [redacted]-party records. | Signed copies of tax returns for most recent years was required. Copies of tax returns are unsigned. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | WY | Primary | Purchase |  | D | D | C | C | C | C | D | D | Non QM | ATR Fail | No |
| 223792540 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Signed dated tax returns required, but copies received were not signed or dated. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | WY | Primary | Purchase |  | D | D | C | C | C | C | D | D | Non QM | ATR Fail | No |
| 223792540 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay ([redacted]): The DTI calculated in accordance with the Lenders Guidelines and[redacted]([redacted])([redacted]) of[redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | WY | Primary | Purchase |  | D | D | C | C | C | C | D | D | Non QM | ATR Fail | No |
| 223792540 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | WY | Primary | Purchase |  | D | D | C | C | C | C | D | D | Non QM | ATR Fail | No |
| 223792540 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Waterfall testing to ATR risk due to missing signed income tax returns. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | WY | Primary | Purchase |  | D | D | C | C | C | C | D | D | Non QM | ATR Fail | No |
| 223792542 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Seller Comment (2023-10-20): [redacted] to review<br>Seller Comment (2023-10-20): buyer to address |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | PA | Primary | Purchase |  | D | D | B | B | A | A | D | D | Non QM | Non QM | No |
| 223792542 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Property is a mixed use[redacted]unit. Agency only allows for a [redacted] unit when mixed use |  |  |  | Reviewer Comment (2023-09-28): Reason for S&D. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Purchase |  | D | D | B | B | A | A | D | D | Non QM | Non QM | No |
| 223792543 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [redacted]was not provided. |  |  |  |  |  | Reviewer Comment (2024-01-11): S&D reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | TX | Investment | Refinance - Cash-out - Other |  | D | D | C | C | A | A | D | D | N/A | N/A | No |
| 223792543 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-01-16): Client accepts per email [redacted]<br>Seller Comment (2024-01-12): waterfall down to EV2 rating - [redacted] not responsible for secondary valuation on S&D loans |  |  | 01/16/2024 | 3 | D | D | D | D | D | D | D | D | D | D |  | TX | Investment | Refinance - Cash-out - Other |  | D | D | C | C | A | A | D | D | N/A | N/A | No |
| 223792543 | xx | xx | xx | xx |  |  | Credit | Missing Document | General | Missing Document | Missing Document:[redacted] Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2024-01-16): Rental income not used to qualify<br>Seller Comment (2024-01-12): per Guidelines this is only required if you are utilizing rental income to qualify - for this loan no rental income was utilized in qualifying | 01/16/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Investment | Refinance - Cash-out - Other |  | D | D | C | C | A | A | D | D | N/A | N/A | No |
| 223792543 | xx | xx | xx | xx |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | DTI exceeds AUS due to increase in insurance |  |  |  | Reviewer Comment (2024-01-19): Rental loss is $[redacted] - P&I of $[redacted], hazard insurance of $[redacted] and tax of $[redacted]<br>Seller Comment (2024-01-17): how are you getting $[redacted] as the rental loss?<br>Reviewer Comment (2024-01-16): Rental loss is $[redacted] - P&I of $[redacted], hazard insurance of $[redacted] and tax of $[redacted]<br>Seller Comment (2024-01-12): Monthly Debts [redacted] $[redacted] / $[redacted]monthly income = [redacted]% DTI<br>Debts = $[redacted] + rental loss $[redacted] + child support $[redacted]which totals out to $[redacted] |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | TX | Investment | Refinance - Cash-out - Other |  | D | D | C | C | A | A | D | D | N/A | N/A | No |
| 223792543 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | eNote - Repurchased loan due to Collateral-Structural: The mortgage file lacked the following required documentation: Pictures to support "subject to" repairs were completed. A request was made for the missing documentation; however, the lender provided a copy of a paid invoice for the plumbing repairs in leu of the pictures. The plumbing repair invoice does not verify that the crack on the exterior was superficial or was repaired (a structural engineer's report is required) or that the rotted trim was remediated as required.<br>Without the additional photographs verifying all of the repairs have been completed, the condition, marketability and value of the subject property is not supported. |  |  |  | Reviewer Comment (2024-01-11): S&D reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Investment | Refinance - Cash-out - Other |  | D | D | C | C | A | A | D | D | N/A | N/A | No |
| 223792543 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note is eSigned |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | TX | Investment | Refinance - Cash-out - Other |  | D | D | C | C | A | A | D | D | N/A | N/A | No |
| 223792545 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NY | Primary | Purchase |  |  | C |  | C |  | B |  | A | Non QM | Non QM | No |
| 223792545 | xx | xx | xx | xx |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NY | Primary | Purchase |  |  | C |  | C |  | B |  | A | Non QM | Non QM | No |
| 223792545 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial xxxx |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  |  | C |  | C |  | B |  | A | Non QM | Non QM | No |
| 223792545 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD |  | C |  | C |  | B |  | A | Non QM | Non QM | Yes |
| 223792545 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule ([redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  |  | C |  | C |  | B |  | A | Non QM | Non QM | No |
| 223792545 | xx | xx | xx | xx |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NY | Primary | Purchase |  |  | C |  | C |  | B |  | A | Non QM | Non QM | No |
| 223792545 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  |  | C |  | C |  | B |  | A | Non QM | Non QM | No |
| 223792547 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | Need a post disaster property inspection report showing no damage to the subject property. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Purchase |  |  | C |  | C |  | C |  | A | Temporary SHQM (GSE/Agency Eligible) | Temporary HPQM (GSE/Agency Eligible) | No |
| 223792547 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bankruptcy Documents not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Purchase |  |  | C |  | C |  | C |  | A | Temporary SHQM (GSE/Agency Eligible) | Temporary HPQM (GSE/Agency Eligible) | No |
| 223792547 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted]): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). | Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). |  |  |  |  |  |  |  | 3 | B | B | C | C | B | B | C | C | B | B |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status |  | C |  | C |  | C |  | A | Temporary SHQM (GSE/Agency Eligible) | Temporary HPQM (GSE/Agency Eligible) | Yes |
| 223792547 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No cure provided |  |  |  | Reviewer Comment (2024-02-26): Sufficient Cure Provided At Closing |  | 02/26/2024 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Purchase | Final CD evidences Cure |  | C |  | C |  | C |  | A | Temporary SHQM (GSE/Agency Eligible) | Temporary HPQM (GSE/Agency Eligible) | Yes |
| 223792548 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NC | Primary | Refinance - Streamlined |  |  | C |  | C |  | C |  | A | Non QM | ATR Fail | No |
| 223792548 | xx | xx | xx | xx |  |  | Credit | Document Error | General | Document Error | VA - Veteran's Statement - Initial is missing. |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NC | Primary | Refinance - Streamlined |  |  | C |  | C |  | C |  | A | Non QM | ATR Fail | No |
| 223792548 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 02/26/2024 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Streamlined | Final CD evidences Cure |  | C |  | C |  | C |  | A | Non QM | ATR Fail | Yes |
| 223792548 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure:[redacted]Percent Fee Tolerance exceeded for VA Funding Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 02/26/2024 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Streamlined | Final CD evidences Cure |  | C |  | C |  | C |  | A | Non QM | ATR Fail | Yes |
| 223792548 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. |  |  |  |  |  |  |  |  | 3 | B | B | C | C | B | B | C | C | B | B |  | NC | Primary | Refinance - Streamlined | Lender to provide updated ATR/QM status |  | C |  | C |  | C |  | A | Non QM | ATR Fail | Yes |
| 223792548 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - No Income Provided | Ability to Repay ([redacted]): No income or assets converted to a monthly amount was provided to demonstrate ability to repay. |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NC | Primary | Refinance - Streamlined |  |  | C |  | C |  | C |  | A | Non QM | ATR Fail | No |
| 223792548 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay ([redacted]): Unable to verify income due to, missing [redacted], [redacted], LES, ETS or WVOE. |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NC | Primary | Refinance - Streamlined |  |  | C |  | C |  | C |  | A | Non QM | ATR Fail | No |
| 223792548 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay ([redacted]): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: %, LTV/CLTV: [redacted]%/[redacted]%, Credit Score: [redacted], Occupancy: [redacted] Purpose: [redacted]e, Streamlined |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NC | Primary | Refinance - Streamlined |  |  | C |  | C |  | C |  | A | Non QM | ATR Fail | No |
| 223792548 | xx | xx | xx | xx |  |  | Credit | Document Error | General | Document Error | Signature requirements per the VA Loan Disbursement Form xx-xxxx were not met. |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NC | Primary | Refinance - Streamlined |  |  | C |  | C |  | C |  | A | Non QM | ATR Fail | No |
| 223792548 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NC | Primary | Refinance - Streamlined |  |  | C |  | C |  | C |  | A | Non QM | ATR Fail | No |
| 223792548 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-x | Ability to Repay ([redacted]): Unable to verify current Wages/W-x employment status using reasonably reliable third-party records. |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NC | Primary | Refinance - Streamlined |  |  | C |  | C |  | C |  | A | Non QM | ATR Fail | No |
| 223792548 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NC | Primary | Refinance - Streamlined |  |  | C |  | C |  | C |  | A | Non QM | ATR Fail | No |
| 223792549 | xx | xx | xx | xx |  |  | Credit | Missing Document | General | Missing Document | Incomplete Document: Closing Disclosure is incomplete |  | Incomplete CD - CD is missing date issued, closing date, and disbursement date |  |  |  | Reviewer Comment (2024-03-05): Waive per client email dated [redacted] |  |  | 03/05/2024 | 3 | C | C | C | C | C | C | C | C | C | C |  | MD | Primary | Construction-Permanent |  | C | C | C | C | B | B | A | A | Non QM | Non QM | No |
| 223792549 | xx | xx | xx | xx |  |  | Credit | Missing Document | General | Missing Document | Incomplete Document: Closing Disclosure is incomplete |  | Incomplete CD - CD is missing date issued, closing date, and disbursement date |  |  |  | Reviewer Comment (2024-03-05): Waive per client email dated [redacted] |  |  | 03/05/2024 | 3 | C | C | C | C | C | C | C | C | C | C |  | MD | Primary | Construction-Permanent |  | C | C | C | C | B | B | A | A | Non QM | Non QM | No |
| 223792549 | xx | xx | xx | xx |  |  | Credit | Missing Document | General | Missing Document | Incomplete Document: Closing Disclosure is incomplete |  | Incomplete CD - CD is missing date issued, closing date, and disbursement date |  |  |  | Reviewer Comment (2024-03-05): Waive per client email dated [redacted] |  |  | 03/05/2024 | 3 | C | C | C | C | C | C | C | C | C | C |  | MD | Primary | Construction-Permanent |  | C | C | C | C | B | B | A | A | Non QM | Non QM | No |
| 223792549 | xx | xx | xx | xx |  |  | Credit | Missing Document | General | Missing Document | Incomplete Document: Closing Disclosure is incomplete |  | Incomplete CD - CD is missing date issued, closing date, and disbursement date |  |  |  | Reviewer Comment (2024-03-05): Waive per client email dated [redacted] |  |  | 03/05/2024 | 3 | C | C | C | C | C | C | C | C | C | C |  | MD | Primary | Construction-Permanent |  | C | C | C | C | B | B | A | A | Non QM | Non QM | No |
| 223792549 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year [redacted] Overdisclosed - [redacted] Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year[redacted]of [redacted] on Final Closing Disclosure provided on [redacted] are overdisclosed. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure | C | C | C | C | B | B | A | A | Non QM | Non QM | Yes |
| 223792549 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment Construction Permanent | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an Estimated Total Monthly Payment for payment stream [redacted] that does not match the actual total payment for the loan. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | C | C | C | B | B | A | A | Non QM | Non QM | Yes |
| 223792549 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-02-22): Sufficient Cure Provided At Closing |  | 02/22/2024 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | MD | Primary | Construction-Permanent | Final CD evidences Cure | C | C | C | C | B | B | A | A | Non QM | Non QM | Yes |
| 223792549 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-02-22): Sufficient Cure Provided At Closing |  | 02/22/2024 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | MD | Primary | Construction-Permanent | Final CD evidences Cure | C | C | C | C | B | B | A | A | Non QM | Non QM | Yes |
| 223792549 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-02-22): Sufficient Cure Provided At Closing |  | 02/22/2024 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | MD | Primary | Construction-Permanent | Final CD evidences Cure | C | C | C | C | B | B | A | A | Non QM | Non QM | Yes |
| 223792549 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. | Incomplete CD |  |  |  | Reviewer Comment (2024-03-05): Waive per client email dated [redacted] |  |  | 03/05/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Construction-Permanent | Good Faith Redisclosure | C | C | C | C | B | B | A | A | Non QM | Non QM | Yes |
| 223792549 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. | Incomplete CD |  |  |  | Reviewer Comment (2024-03-05): Waive per client email dated [redacted] |  |  | 03/05/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Construction-Permanent | Good Faith Redisclosure | C | C | C | C | B | B | A | A | Non QM | Non QM | Yes |
| 223792549 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. | Incomplete CD |  |  |  | Reviewer Comment (2024-03-05): Waive per client email dated [redacted] |  |  | 03/05/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Construction-Permanent | Good Faith Redisclosure | C | C | C | C | B | B | A | A | Non QM | Non QM | Yes |
| 223792549 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. | Incomplete CD |  |  |  | Reviewer Comment (2024-03-05): Waive per client email dated [redacted] |  |  | 03/05/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Construction-Permanent | Good Faith Redisclosure | C | C | C | C | B | B | A | A | Non QM | Non QM | Yes |
| 223792549 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on [redacted] disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. | [redacted] year I/O loan |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure | C | C | C | C | B | B | A | A | Non QM | Non QM | Yes |
| 223792549 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on [redacted] disclosed a Subsequent Changes period that does not match the actual terms for the loan. | [redacted] year I/O loan |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure | C | C | C | C | B | B | A | A | Non QM | Non QM | Yes |
| 223792549 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | [redacted] year I/O loan |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Construction-Permanent | Letter of Explanation & Corrected Closing Disclosure | C | C | C | C | B | B | A | A | Non QM | Non QM | Yes |
| 223792549 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | S&D Reason: Aged loan. Exceeds time period for delivery |  |  |  | Reviewer Comment (2024-02-25): S&D reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | MD | Primary | Construction-Permanent |  | C | C | C | C | B | B | A | A | Non QM | Non QM | No |
| 223792549 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Construction-Permanent |  | C | C | C | C | B | B | A | A | Non QM | Non QM | No |
| 223792550 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The subject property is located in a FEMA disaster area.Loan closed with PIW. A post disaster inspection after [redacted] is required verifying there was no damage to the subject property. |  |  |  | Reviewer Comment (2024-03-19): Exception has been cleared. Post Disaster Inspection was provided. | 03/19/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792550 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec [redacted] | Note Date: ___; Lien Position: ___ | Loan is to go in a securitization and was closed with a Property Inspection Waiver (PIW). A valuation product supporting the stated PIW value is required. |  |  |  |  |  |  |  | 3 | D | D | B | B | D | D | C | C | D | D |  | CA | Primary | Purchase |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792550 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to Points and Fees. |  |  |  | Reviewer Comment (2024-04-17): Undiscounted rate and price provided.<br>Reviewer Comment (2024-04-11): A pricing sheet reflecting an undiscounted rate and undiscounted price was not located.<br>Seller Comment (2024-04-10): Disagree based on bona fide discount points. Pricing sheet provided. | 04/17/2024 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223792550 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage ([redacted]): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or .[redacted]%). | Points and Fees calculation includes loan discount points, processing and underwriting fees all paid to lender that exceed allowable tolerance of [redacted]%. File does not contain evidence discount points are bona fide including the adjusted rate, at the price of [redacted], at time of lock. |  |  |  | Reviewer Comment (2024-04-17): Undiscounted rate and price provided.<br>Reviewer Comment (2024-04-11): A pricing sheet reflecting an undiscounted rate and undiscounted price was not located.<br>Reviewer Comment (2024-04-10): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Qualified Mortgage ([redacted]): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or .[redacted]%).<br>Seller Comment (2024-04-10): Disagree based on bona fide discount points. Pricing sheet provided. | 04/17/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792550 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | One Closing Disclosure provided in file, issued [redacted] and signed by the borrower on [redacted]. |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Purchase | No Defined Cure | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792550 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Blanket policy not provided. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CA | Primary | Purchase |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792550 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Condo ineligible |  |  |  | Reviewer Comment (2024-03-11): S&D Reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792551 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |  |  |  | Reviewer Comment (2024-03-19): Exception cleared. A post disaster inspection was provided. | 03/19/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223792551 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as $[redacted] on initial LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223792551 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-x/Final Closing Disclosure. | Initial escrow account statement does not match with closing disclosure since the initial escrow account statement included with the mortgage insurance and page [redacted] of final closing disclosure does not include the mortgage insurance. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223792551 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Reason for S&D: DTI ineligible. |  |  |  | Reviewer Comment (2024-03-11): Reason for S&D: DTI ineligible. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223792551 | xx | xx | xx | xx |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The AUS approval required [redacted]months statements for depository accounts and only one statement was provided for the Credit Union accounts. |  |  |  | Reviewer Comment (2024-04-10): Exception cleared. Sufficient assets were verified without the funds in these accounts.<br>Seller Comment (2024-04-10): Loan reviewed to ATR standard. Agree only[redacted] month of bank statements in file. | 04/10/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223792551 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Appendix Q Liabilities - Invalid Exclusion Basis | Qualified Mortgage ([redacted]): One or more liabilities have been excluded from DTI calculation for a prohibited reason. | The AUS approval required [redacted] months statements for depository accounts and only one statement was provided for the Credit Union accounts, causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (2024-04-10): Exception cleared. Assets verified as required. | 04/10/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223792551 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income Method of Calculation | Qualified Mortgage ([redacted]): The Method used to calculate the qualifying monthly income is not supported by the earnings history/trend. | The AUS approval required [redacted] months statements for depository accounts and only one statement was provided for the Credit Union accounts, causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (2024-04-10): Exception cleared. Assets verified as required. | 04/10/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223792551 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Partnership Income Documentation Test | Qualified Mortgage ([redacted]): Self-employed income documentation not sufficient (Partnership). | The AUS approval required [redacted] months statements for depository accounts and only one statement was provided for the Credit Union accounts, causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (2024-04-10): Exception cleared. Assets verified as required. | 04/10/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223792551 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current Employment Documentation lacks Date Info | Qualified Mortgage ([redacted]): Missing Employment Dates to verify two years current employment. | The AUS approval required [redacted] months statements for depository accounts and only one statement was provided for the Credit Union accounts, causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (2024-04-10): Exception cleared. Assets verified as required. | 04/10/2024 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223792551 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | S-Corp Income Documentation Test | Qualified Mortgage ([redacted]): Self-employed income documentation not sufficient (S-Corp). | The AUS approval required[redacted] months statements for depository accounts and only one statement was provided for the Credit Union accounts, causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (2024-04-10): Exception cleared. Assets verified as required. | 04/10/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223792551 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - [redacted] | Ability to Repay ([redacted]): Unable to verify current Wages/W-x employment status using reasonably reliable third-party records. | The AUS approval required [redacted] months statements for depository accounts and only one statement was provided for the Credit Union accounts, causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (2024-04-10): Exception cleared. Assets verified as required. | 04/10/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223792551 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The AUS approval required [redacted]months statements for depository accounts and only one statement was provided for the Credit Union accounts, causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (2024-04-10): Exception cleared. Assets verified as required. | 04/10/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223792551 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([redacted]): General Ability-to-Repay requirements not satisfied. | The AUS approval required [redacted] months statements for depository accounts and only one statement was provided for the Credit Union accounts, causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (2024-04-10): Exception cleared. Assets verified as required. | 04/10/2024 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223792551 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted]): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Fail. | The AUS approval required [redacted] months statements for depository accounts and only one statement was provided for the Credit Union accounts, causing the loan to waterfall through the QM Testing, resulting in a Loan Designation discrepancy. |  |  |  | Reviewer Comment (2024-04-10): Exception cleared. Assets verified as required. | 04/10/2024 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223792551 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage ([redacted]): Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | The AUS approval required [redacted]months statements for depository accounts and only one statement was provided for the Credit Union accounts, causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (2024-04-10): Exception cleared. Assets verified as require | 04/10/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223792551 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The AUS approval required [redacted] months statements for depository accounts and only one statement was provided for the Credit Union accounts, causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (2024-04-10): Exception cleared. Assets verified as required | 04/10/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223792552 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |  |  |  | Reviewer Comment (2024-03-19): Exception has been cleared. Post disaster property inspection was provided. | 03/19/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Rate/Term |  | C | C | C | C | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792552 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | [redacted] uses FannieMae's definition of acceptable coverage. [redacted] requires coverage equal to the lesser of the following:<br> [redacted]% of the insurable value of the improvements, as established by the property insurer; or the unpaid principal balance of the mortgage, as long as it at least equals the minimum amount-[redacted]% of the insurable value of the improvements-required to compensate for damage or loss on a replacement cost basis. If it does not, then coverage that does provide the minimum required amount must be obtained. There is a shortfall of $[redacted]. |  |  |  | Reviewer Comment (2024-04-10): Exception cleared. Replacement Cost Estimate was provided.<br>Seller Comment (2024-04-10): Disagree. Replacement cost calculator on page [redacted] shows estimated replacement cost of $[redacted]. Insurance policy on page [redacted] shows coverage of $[redacted]with additional dwelling replacement coverage of $[redacted]. | 04/10/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Rate/Term |  | C | C | C | C | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792552 | xx | xx | xx | xx |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | Hazard Insurance Policy Effective Date [redacted] is after the the disbursement date [redacted]. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CA | Primary | Refinance - Rate/Term |  | C | C | C | C | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792552 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Reason for S&D: DTI ineligible. |  |  |  | Reviewer Comment (2024-03-11): Reason for S&D: DTI ineligible. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Rate/Term |  | C | C | C | C | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792552 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has been affected by the disaster. | Disaster Name: ___; <br> Disaster Declaration Date: ___; <br> Most Recent Disaster End Date: ___ | The post disaster inspection reflects damage to the home with estimated cost to repair $[redacted] to $[redacted]. |  |  |  | Reviewer Comment (2024-03-22): PDI reveled minor damage. Property missing siding. Estimated cost to repair is $[redacted]k to $[redacted]k. |  |  |  | 3 |  | C |  | C |  | C |  | C |  | C |  | CA | Primary | Refinance - Rate/Term |  | C | C | C | C | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792553 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan Designation discreoancy due to calculated DTI excess maximum as shown on AUS. DTI discrepancy due to calculated negative income from REO differs from amount used on the AUS. |  |  |  | Reviewer Comment (2024-03-11): S&D reason: DTI ineligible. |  |  |  | 3 | B | B | C | C | B | B | C | C | B | B |  | OK | Primary | Purchase | Lender to provide updated ATR/QM status | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| 223792553 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted](e) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to[redacted].) | DTI discrepancy due to calculated negative income from REO differs from amount used on the AUS. |  |  |  | Reviewer Comment (2024-03-11): S&D reason: DTI ineligible. |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | OK | Primary | Purchase |  | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223792553 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-x/Final Closing Disclosure. | Initial escrow account statement does not match charges on HUD-x/Final Closing Disclosure. Closing Disclosure provided with issue date of [redacted] does not appear to be the Final Closing Disclosure issued to the Borrower. Note date was [redacted]. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OK | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| 223792553 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Disclosed Finance Charge of $[redacted]. Calculated Finance Charge of $[redacted]. Variance of -$[redacted]. |  |  |  | Reviewer Comment (2024-04-09): [redacted] received [redacted] CD<br>Seller Comment (2024-04-05): Trailing docs uploaded | 04/09/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OK | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| 223792553 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed a mortgage insurance payment for payment stream [redacted] that does not match the actual payment for the loan. | Final Closing Disclosure provided on [redacted] disclosed a mortgage insurance payment for payment stream [redacted] that does not match the actual payment for the loan.. First Payment Letter and Nortage Insurance Certificate shows a monthly MI payment of $[redacted].Closing Disclosure provided shows a [redacted] payment of $[redacted]. |  |  |  | Reviewer Comment (2024-04-09): [redacted] received [redacted] CD<br>Seller Comment (2024-04-05): Trailing docs uploaded | 04/09/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OK | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| 223792553 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted] disclosed an inaccurate Total of Payments on page [redacted]that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated[redacted]). The disclosed Total of Payments in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted]threshold. | Disclosed Total of Payments is $[redacted]. Calculated Total of Payments is $[redacted]. Variance of -$[redacted]. |  |  |  | Reviewer Comment (2024-04-09): [redacted] received [redacted] CD<br>Seller Comment (2024-04-05): Trailing docs uploaded | 04/09/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OK | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| 223792553 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Final Closing Disclosure provided on[redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. Closing Disclosure provided with issue date of [redacted] does not appear to be the Final Closing Disclosure issued to the Borrower. Note date was [redacted]. |  |  |  | Reviewer Comment (2024-04-09): [redacted] received [redacted] CD<br>Seller Comment (2024-04-05): Trailing docs uploaded | 04/09/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OK | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| 223792553 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. |  |  |  |  | Reviewer Comment (2024-04-09): [redacted] received [redacted] CD | 04/09/2024 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | OK | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| 223792553 | xx | xx | xx | xx |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | Calculated investor qualifying total debt ratio of [redacted]% exceeds AUS total debt ratio of [redacted]%. DTI discrepancy due to calculated negative income from REO differs from amount used on the AUS. |  |  |  | Reviewer Comment (2024-03-11): S&D reason: DTI ineligible. |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | OK | Primary | Purchase |  | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223792553 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [redacted] or more guideline components, the loan is at QM risk. | Calculated DTI excedds maximun as shown on AUS. DTI discrepancy due to calculated negative income from REO differs from amount used on the AUS. |  |  |  | Reviewer Comment (2024-03-11): S&D reason: DTI ineligible. |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | OK | Primary | Purchase |  | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223792553 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within [redacted] business days of the Note. |  |  |  |  |  | Seller Comment (2024-04-10): Disagree. VOE on page[redacted] was performed on [redacted] and confirms borrower started the job on [redacted]. Wage start date is not the date the VOE was perfomed.<br>Reviewer Comment (2024-04-09): Exception cleared. VVOE dated within [redacted] business days was provided. | 04/09/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OK | Primary | Purchase |  | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223792553 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D reason: DTI ineligible. |  |  |  | Reviewer Comment (2024-03-11): S&D reason: DTI ineligible. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OK | Primary | Purchase |  | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223792553 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an Estimated Total Monthly Payment for payment stream [redacted] that does not match the actual total payment for the loan. |  |  |  |  |  |  |  |  | 3 |  | C |  | C |  | C |  | C |  | C |  | OK | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| 223792553 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID[redacted] Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Examination Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | A cure was not disclosed and a valid COC was not provided. |  |  |  |  |  |  |  | 3 |  | C |  | C |  | C |  | C |  | C |  | OK | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| 223792554 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Income documents not provided |  |  |  | Reviewer Comment (2024-03-11): S&D defect reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | Missing the most recent [redacted] months bank statements for qualifying assets for closing. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Credit | Credit | Credit Documentation | Credit | Purchase contract date not provided. |  | Purchase and Sales contract not provided. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2024-03-19): Exception cleared. A post disaster inspection was provided. | 03/19/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase and sales contract not provided. |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Most recent [redacted] months bank statements for qualifying assets per approval not provided. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. | The Initial CD is dated[redacted] and the file does not contain evidence of borrower receipt. The presumed receipt date would not have been at least [redacted]business days prior to closing. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | UT | Primary | Purchase | No Defined Cure | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Fee of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | Yes |
| 223792554 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Credit Report Fee of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | Yes |
| 223792554 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | UT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | Yes |
| 223792554 | xx | xx | xx | xx |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. | Calculated qualifying asset balance of ___ is less than AUS qualifying asset balance of ___. | Missing [redacted] months bank statements and verification of the earnest money deposit per approval. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required. |  | Missing verification of verbal employment for secondary job per approval. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Credit | Income | Document Error | Income | Tax Return end date is more than [redacted] days prior to note date. P&L was not found in file. ([redacted]) | - Note Date: ___; <br> Calendar End Date: ___; |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | Missing most recent YTD paystubs, and verification of employment for secondary job with a start date of [redacted]. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Most recent [redacted] months bank statements and verification of earnest money deposit not provided. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing most recent YTD paystubs, verbal verification of employment, and third party verification of self-employment. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial [redacted] |  |  |  |  |  |  |  |  |  | 1 | B | B | B | B | B | B | B | B | B | B |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Missing the complete Form xxxx Appraisal Report as required. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income Method of Calculation | Qualified Mortgage (Dodd-Frank [redacted]): The Method used to calculate the qualifying monthly income is not supported by the earnings history/trend. | Missing most recent YTD paystubs, verbal verification of employment for [redacted] job, and [redacted] part verification of employment for self-employment job. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank [redacted]): Missing Employment Dates to verify [redacted] years current employment. | Missing most recent YTD paystubs, verbal verification of employment for secondary job. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | [redacted] Income Documentation Test | Qualified Mortgage (Dodd-Frank [redacted]): Self-employed income documentation not sufficient ([redacted]). | Missing the [redacted]tax return and all schedules, and the [redacted] part verification of employment for self-employment job. |  |  |  | Reviewer Comment (2024-03-11): S&D defect reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Wages Documentation | Qualified Mortgage (Dodd-Frank [redacted]): Unable to verity income due to, missing W-x, Paystub, LES, ETS or WVOE. | Missing most recent YTD paystubs, verbal verification of employment for secondary job. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule [redacted] Test | Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current [redacted] status using reasonably reliable third-party records. | Missing the [redacted]tax return and all schedules, and the [redacted] part verification of employment for self-employment job. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-x | Ability to Repay (Dodd-Frank [redacted]): Unable to verify current Wages/W-x employment status using reasonably reliable [redacted]-party records. | Missing most recent YTD paystubs, verbal verification of employment for secondary job. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank [redacted]): Unable to verify income due to, missing W-x, Paystub, LES, ETS or WVOE. | Missing most recent YTD paystubs, verbal verification of employment for secondary job. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing required income and asset documents, causing an ATR risk fail. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Temporary SHQM ([redacted]/Agency Eligible) does not match Due Diligence Loan Designation of ATR Fail. | Missing required income and asset documents, causing a loan designation discrepancy. |  |  |  |  |  |  |  | 3 | B | B | C | C | B | B | C | C | B | B |  | UT | Primary | Purchase | Lender to provide updated ATR/QM status | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | Yes |
| 223792554 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing required income and assets causing and ATR risk fail. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792554 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Missing [redacted] yrs of tax returns for self employment income |  |  |  | Reviewer Comment (2024-03-11): S&D defect reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | UT | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223792556 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Borrower received promotion at employer and never moved out of departing residence. Property is NOO |  |  |  | Reviewer Comment (2024-03-07): S&D reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No |
| 223792556 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2024-03-20): AUS Provided. Exception Cleared<br>Seller Comment (2024-03-19): AUS uploaded | 03/20/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No |
| 223792556 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. |  |  |  | Reviewer Comment (2024-05-21): Re-stated designation<br>Seller Comment (2024-05-15): docu sign signature pages uploaded<br>Reviewer Comment (2024-04-19): Unsigned returns, missing [redacted] party verification<br>Seller Comment (2024-04-16): [redacted] 1040s prepared by [redacted] party have been uploaded (which qualifies as verification)<br>Reviewer Comment (2024-03-22): Waterfall exception due to missing documentation, [redacted] party verification of non-wage earner income.<br>Seller Comment (2024-03-19): Mavent attached showing ATR/QM is a Pass | 05/21/2024 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes |
| 223792556 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule [redacted] | Ability to Repay (Dodd-Frank [redacted]): Unable to verify [redacted] income using reasonably reliable third-party records. | [redacted] party verification is missing |  |  |  | Reviewer Comment (2024-05-21): Re-stated designation<br>Seller Comment (2024-05-15): docusign docs attached<br>Reviewer Comment (2024-04-19): Tax returns are not signed as required<br>Seller Comment (2024-04-16): [redacted] tax returns - prepared by [redacted] party<br>Reviewer Comment (2024-03-22): Unable to verify Sole Proprietorship income using reasonably reliable [redacted]-party records. ([redacted],[redacted][redacted]A [redacted]/Schedule [redacted])<br>Seller Comment (2024-03-19): VOE docs uploaded for [redacted] | 05/21/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No |
| 223792556 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | [redacted] party verification is missing |  |  |  | Reviewer Comment (2024-05-21): Re-stated designation | 05/21/2024 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NJ | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No |
| 223792556 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted]([redacted]) business days prior to closing. | Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] ([redacted]) business days prior to closing. |  |  |  | Reviewer Comment (2024-05-17): [redacted] received proof of receipt.<br>Seller Comment (2024-05-15): LE eTracking<br>Seller Comment (2024-05-15): Revised LE was sent on the [redacted] ([redacted]) via email. [redacted] days later, loan closed on [redacted] ([redacted]). That is [redacted] business days. Uploading eTracking docs | 05/17/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Purchase | No Defined Cure | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No |
| 223792556 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Loan is written to AUS and the on AUS in the loan file is post-close. |  |  |  | Reviewer Comment (2024-03-20): AUS Provided. Exception Cleared<br>Seller Comment (2024-03-19): AUS attached | 03/20/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No |
| 223792556 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No |
| 223792556 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Loan written to AUS. |  |  |  | Reviewer Comment (2024-03-22): AUS received<br>Seller Comment (2024-03-19): AUS uploaded | 03/22/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No |
| 223792556 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank [redacted]): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%/[redacted]%, Credit Score: [redacted], Occupancy: Primary, Purpose: Purchase, | The loan has meet ATR analysis, escrow and appraisal requirements, and general compliance regulations. |  |  |  | Reviewer Comment (2024-03-22): AUS received<br>Seller Comment (2024-03-19): AUS uploaded | 03/22/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No |
| 223792556 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Re-stated designation |  |  |  |  |  |  |  | 2 |  | A |  | B |  | B |  | B |  | A |  | NJ | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No |
| 223792556 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | NJ | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No |
| 223792557 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2024-04-17): received documentation<br>Seller Comment (2024-04-16): [redacted]<br>Seller Comment (2024-04-16): REO<br>Seller Comment (2024-04-09): REO | 04/17/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Purchase |  | C | B | C | B | A | A | A | A | N/A | N/A | No |
| 223792557 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: Delinquent prior to pooling |  |  |  | Reviewer Comment (2024-03-12): S&D reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Investment | Purchase |  | C | B | C | B | A | A | A | A | N/A | N/A | No |
| 223792557 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2024-04-17): received documenation<br>Seller Comment (2024-04-09): REO | 04/17/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Purchase |  | C | B | C | B | A | A | A | A | N/A | N/A | No |
| 223792558 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |  |  |  | Reviewer Comment (2024-05-16): Received PDi | 05/16/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MO | Primary | Purchase |  | D | D | D | D | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792558 | xx | xx | xx | xx |  |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | File is missing the Appraisal Report for the subject property. Upon receipt of the missing Appraisal Report, additional conditions may apply. |  |  |  | Reviewer Comment (2024-03-13): Reason for S&D. |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | MO | Primary | Purchase |  | D | D | D | D | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792558 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | File is missing evidence the borrower was provided and received a copy of the appraisal dated [redacted] at least [redacted] business days prior to closing. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MO | Primary | Purchase |  | D | D | D | D | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792558 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] [redacted]- [redacted]% Points and Fees | [redacted] [redacted][redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). | [redacted] [redacted][redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). |  |  |  | Reviewer Comment (2024-04-01): Received corrected origination loan designation | 04/01/2024 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | MO | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | D | D | D | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223792558 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure |  |  |  | Reviewer Comment (2024-04-09): [redacted] received LOA to remove document(s) [redacted] from testing as not provided to the borrower.<br>Seller Comment (2024-04-08): Attestation | 04/09/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MO | Primary | Purchase | No Defined Cure | D | D | D | D | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792558 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Overdisclosed - October [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] are overdisclosed. | Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of [redacted]on Final Closing Disclosure provided on [redacted] are overdisclosed. |  |  |  | Reviewer Comment (2024-04-24): [redacted] received Letter of explanation and Corrected Closing disclosure.<br>Seller Comment (2024-04-23): PCCD<br>Reviewer Comment (2024-04-18): [redacted] received rebuttal on non-escrowed property costs being the [redacted]. However, [redacted] is escrowed and is not a non-escrowed costs. There is no non-escrowed costs shown on this file. Corrected CD and LOE to borrower to cure.<br>Seller Comment (2024-04-08): Response |  | 04/24/2024 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | MO | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | D | D | D | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223792558 | xx | xx | xx | xx |  |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required. |  |  |  |  |  | Reviewer Comment (2024-04-17): Employment is documented<br>Seller Comment (2024-04-16): The file contains a WVOE from prior employer<br>Seller Comment (2024-04-16): File contains a WVOE from prior employer to confirm a history of overtime. | 04/17/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MO | Primary | Purchase |  | D | D | D | D | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792558 | xx | xx | xx | xx |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Only used base income. Overtime and/or bonus income requires a full [redacted] year history per AUS.A full [redacted] year history is not provided. |  |  |  | Reviewer Comment (2024-04-17): Prior VOE provided<br>Seller Comment (2024-04-16): File contains a WVOE from prior employer to confirm a history of overtime. | 04/17/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MO | Primary | Purchase |  | D | D | D | D | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792558 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Desk review appraisal provided does not meet AUS requirments. A full appraisal is required. |  |  |  | Reviewer Comment (2024-03-13): Reason for S&D. |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | MO | Primary | Purchase |  | D | D | D | D | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792558 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Due to DTI exceeding [redacted]%. |  |  |  | Reviewer Comment (2024-04-17): received prior WVOE | 04/17/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MO | Primary | Purchase |  | D | D | D | D | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792558 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted]([redacted])([redacted]) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Overtime income not used due to lack of a full [redacted] year history. |  |  |  | Reviewer Comment (2024-04-17): received prior WVOE | 04/17/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MO | Primary | Purchase |  | D | D | D | D | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792558 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Compliance | Not Eligible for QM based on Appendix [redacted] | Qualified Mortgage: Loan submitted with an originator loan designation of Safe Harbor or Higher Priced QM using Appendix [redacted]. Loans with creditor application date on or after [redacted] are not eligible for QM based on Appendix [redacted]. Loan was tested for compliance with General ATR. Restated loan originator loan designation required to test loan for QM status under General QM (APOR) pricing-based test. |  |  |  |  | Reviewer Comment (2024-04-01): Received corrected origination loan designation | 04/01/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MO | Primary | Purchase |  | D | D | D | D | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792558 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Seller disclosed designation from data tape. |  |  |  | Reviewer Comment (2024-04-29): Updated<br>Seller Comment (2024-04-25): lock<br>Reviewer Comment (2024-04-17): Based on points and fees, designation is QM (APOR) Fail<br>Reviewer Comment (2024-04-17): EXCEPTION HISTORY - Exception Detail was updated on [readcted]PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.<br>Seller Comment (2024-04-16): response | 04/29/2024 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | MO | Primary | Purchase | Lender to provide updated ATR/QM status | D | D | D | D | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223792558 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank [redacted]): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted] (an overage of $[redacted]or .[redacted]%). |  |  |  |  | Reviewer Comment (2024-04-29): Cleared with re-run<br>Seller Comment (2024-04-25): Starting rate [redacted]% at [redacted]<br>Seller Comment (2024-04-23): Lock<br>Reviewer Comment (2024-04-17): Missing discount points disclosure showing start rate and cost of start rate<br>Seller Comment (2024-04-16): response | 04/29/2024 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | MO | Primary | Purchase |  | D | D | D | D | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792558 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted](e) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Missing guidelines |  |  |  | Reviewer Comment (2024-04-29): Cleared with updated input for AUS rounding on DTI | 04/29/2024 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | MO | Primary | Purchase |  | D | D | D | D | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792558 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Do Not Address [redacted]QM Factors | Unable to test due to missing investor guidelines information. | Missing guidelines |  |  |  | Reviewer Comment (2024-04-29): Updated | 04/29/2024 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | MO | Primary | Purchase |  | D | D | D | D | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792558 | xx | xx | xx | xx |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | DTI exceeds guidelines |  |  |  | Reviewer Comment (2024-04-29): Updated AUS input, due to rounding | 04/29/2024 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | MO | Primary | Purchase |  | D | D | D | D | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792559 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D: EPD - ACH setup issues, now on ACH |  |  |  | Reviewer Comment (2024-03-12): S&D |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Investment | Purchase |  | B | B | B | B | A | A | A | A | N/A | N/A | No |
| 223792560 | xx | xx | xx | xx |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title policy amount is not Provided in the Title Preliminary Document. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792560 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | [redacted] returned a CU score of [redacted]Secondary Valuation is missing from the file. |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792560 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Insurance Verification Document is Missing in the FIle. |  |  |  | Reviewer Comment (2024-05-08): no mortgage, commentary no insurance<br>Seller Comment (2024-05-03): This property is not required to have property insurance and their was not insurance listed on the 1003<br>Reviewer Comment (2024-05-03): commercial property no insurance provided<br>Seller Comment (2024-05-01): Per the LENDER: [redacted] was a commercial property and did not required homeowners insurance.<br>Reviewer Comment (2024-04-19): No insurance, free and clear<br>Seller Comment (2024-04-19): Property is paid in full and is not required to carry insurance. Property costs listed on [redacted]is the property taxes<br>Reviewer Comment (2024-04-17): Missing insurance for [redacted][redacted]<br>Reviewer Comment (2024-04-17): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Insurance Verification<br> Insurance Verification<br>Seller Comment (2024-04-16): hoi response | 05/08/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792560 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792560 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted]([redacted]) business days of application. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792560 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage of $[redacted] is short $[redacted]as it does not equal greater of [redacted]% cost new ($[redacted]) or loan amount ($[redacted]). |  |  |  | Reviewer Comment (2024-04-19): Policy states coverage is based on an estimated cost to rebuild<br>Seller Comment (2024-04-19): Policy dwelling coverage (A) is issued at replacement cost plus the policy carries an additional [redacted]% over the replacement value<br>Reviewer Comment (2024-04-17): Received renewal policy, coverage is still short. Coverage amount is $[redacted] while cost new is $[redacted] and therefore short $[redacted]<br>Seller Comment (2024-04-16): HOI | 04/19/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792560 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Compliance | Not Eligible for QM based on Appendix [redacted] | Qualified Mortgage: Loan submitted with an originator loan designation of Safe Harbor or Higher Priced QM using Appendix [redacted]. Loans with creditor application date on or after [redacted] are not eligible for QM based on Appendix [redacted]. Loan was tested for compliance with General ATR. Restated loan originator loan designation required to test loan for QM status under General QM (APOR) pricing-based test. |  |  |  |  | Reviewer Comment (2024-04-01): Received corrected origination loan designation | 04/01/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792560 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Seller designated per data tape. |  |  |  | Reviewer Comment (2024-04-01): Received corrected origination loan designation | 04/01/2024 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223792560 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Reason for S&D: Ineligible, irrevocable trust. |  |  |  | Reviewer Comment (2024-03-13): Reason for S&D. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792561 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | NJ | Investment | Purchase |  | D | D | B | B | A | A | D | D | N/A | N/A | No |
| 223792561 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: DQ prior to pooling; now on ACH |  |  |  | Reviewer Comment (2024-03-13): Reason for S&D. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Investment | Purchase |  | D | D | B | B | A | A | D | D | N/A | N/A | No |
| 223792561 | xx | xx | xx | xx |  |  | Property | Credit | General | Credit | The property type differs between the valuation documents in file. Unable to verify the property type. Ineligible per guidelines. |  | The [redacted]states [redacted]units. The AVM states a Single Family |  |  |  | Reviewer Comment (2024-04-29): AVM shows Single Family, moved to buyer queue for review<br>Seller Comment (2024-04-19): I am not sure what AVM you are referring to, however, I contend that is non-material. The full appraisal confirms the property is a [redacted] unit dwelling. The LPA submission #[redacted] reflects Property Type "[redacted]". Since an AVM is an inferior product dependent upon data, not a physical visit, it should be disregarded.<br>Reviewer Comment (2024-04-17): AUS provided, does not clear discrepancy between Appraisal and AVM<br>Seller Comment (2024-04-16): Please see attached |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NJ | Investment | Purchase |  | D | D | B | B | A | A | D | D | N/A | N/A | No |
| 223792562 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-04-30): Received PDI | 04/30/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Investment | Refinance - Rate/Term |  | D | D | C | C | B | B | D | D | N/A | N/A | No |
| 223792562 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: x | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | IL | Investment | Refinance - Rate/Term |  | D | D | C | C | B | B | D | D | N/A | N/A | No |
| 223792562 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank xxxx): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three ([redacted]) business days of application or determination of first lien status. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Investment | Refinance - Rate/Term |  | D | D | C | C | B | B | D | D | N/A | N/A | No |
| 223792562 | xx | xx | xx | xx |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | Difference appears to be due to rental calculations |  |  |  | Reviewer Comment (2024-05-14): Updated based on documents received<br>Reviewer Comment (2024-05-14): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [redacted]% exceeds AUS total debt ratio of [redacted]%.<br>Seller Comment (2024-05-10): Please see attached. We recalculated rental income and we came up with different figures for [redacted]. Please take a look...if you agree with us, and we can get the DTI to [redacted]%, we won't need an [redacted]rerun.<br>Reviewer Comment (2024-04-17): [redacted]r - [redacted]<br> [redacted] + [redacted]<br> [redacted]+ [redacted]<br> [redacted] -[redacted][redacted] -[redacted]<br> [redacted] - [redacted]<br> [redacted] -[redacted]<br>Seller Comment (2024-04-16): The borrower owns multiple properties. Please provide your rental income calculations and/or pinpoint the property(ies) that was miscalculated. Thank you! |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Investment | Refinance - Rate/Term |  | D | D | C | C | B | B | D | D | N/A | N/A | No |
| 223792562 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D: The title report reflects subject property includes [redacted]parcels. Appraiser did not consider the parcels or comment on how they influence marketability of the subject property. x) Title report indicates the subject transaction includes multiple parcels. The parcels must meet the requirements of FRMC [redacted]Eligibility of a property with two or more adjoining parcels. The lender did not provide documentation that the parcels meet FRMC requirements. |  |  |  | Reviewer Comment (2024-03-15): S&D reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Investment | Refinance - Rate/Term |  | D | D | C | C | B | B | D | D | N/A | N/A | No |
| 223792562 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title shows [redacted] different parcels, while mortgage shows only one parcel as does the appraisal. Unable to determine if additional properties are vacant land or with buildings and if appraiser gave any value to the additional lots. |  |  |  | Reviewer Comment (2024-03-15): S&D reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Investment | Refinance - Rate/Term |  | D | D | C | C | B | B | D | D | N/A | N/A | No |
| 223792562 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 |  | C |  | C |  | C |  | C |  | C |  | IL | Investment | Refinance - Rate/Term |  | D | D | C | C | B | B | D | D | N/A | N/A | No |
| 223792563 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |  |  |  | Reviewer Comment (2024-05-15): PDI in trailing docs | 05/15/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | ME | Primary | Purchase |  | D | D | C | C | A | A | D | D | Non QM | Non QM | No |
| 223792563 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Seller Comment (2024-05-09): buyer to clear<br>Reviewer Comment (2024-05-03): move to buyer review<br>Seller Comment (2024-05-01): waterfall down to EV2 rating as FIMC is not responsible for secondary valuations on S&D trades |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | ME | Primary | Purchase |  | D | D | C | C | A | A | D | D | Non QM | Non QM | No |
| 223792563 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - eNote - Repurchased loan due to Appraisal Discrepancies: [redacted] analysis of the subject loan reflects certain elements that do not meet, or no longer meet, the terms or requirements of the Lender Contract due to certain selling and/or servicing violations listed below.<br> Adjusted Value of Comparable Sale(s) Failed to Support Appraised Value<br> Use of Dissimilar Comparable Sale(s) Due to Site Characteristics<br> Use of Physically Dissimilar Comparable Sale(s) - Age Comparable sale(s) four failed to support the estimated value. Comparable four was the best sale used in the appraisal as it was the most similar to the subject in site size, age, bath count, accessory dwelling unit, and its former use was non-residential. Therefore, this sale should have been given the most weight in determining the subject's value estimate. Comparable sale four's $[redacted]adjusted sale price did not support the subject's $[redacted]value estimate.<br>Comparable(s) one, two, and three were significantly different site than the subject property. The subject property had a site size of [redacted]square feet while comparable sale(s) one, two, and three had [redacted]-, [redacted]-, and [redacted]-acres, respectively. The appraiser did not provide an adequate explanation as to why the comparable(s) were used. Comparable sale(s) one, two, and three were superior to the subject property in age. The subject was [redacted]years old whereas sales one, two, and three were [redacted], [redacted], and [redacted]years old, respectively. The appraiser has not provided an adequate explanation why the specific comparable(s) were used. |  |  |  | Reviewer Comment (2024-04-30): S&D Reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | ME | Primary | Purchase |  | D | D | C | C | A | A | D | D | Non QM | Non QM | No |
| 223792563 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note is eSigned, buyer consideration required |  |  |  | Reviewer Comment (2024-04-30): S&D reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | ME | Primary | Purchase |  | D | D | C | C | A | A | D | D | Non QM | Non QM | No |
| 223792563 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Valuation Issue: Subject appraisal comparables do not support value |  | Comparables Sales [redacted]-[redacted]; have gross adjustments of [redacted]% - [redacted]% - as well as the sites have not been adjusted for the difference in site size. |  |  |  | Reviewer Comment (2024-04-30): S&D reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | ME | Primary | Purchase |  | D | D | C | C | A | A | D | D | Non QM | Non QM | No |
| 223792589 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: x | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | NY | Primary | Purchase |  | D | D | C | B | A | A | D | D | Non QM | Non QM | No |
| 223792589 | xx | xx | xx | xx |  |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than [redacted] days prior to the note date. |  |  |  |  |  | Reviewer Comment (2024-06-13): meets the AUS<br>Seller Comment (2024-06-07): Per AUS credit report in file is good. Typically credit report is good for [redacted] days. AUS states that based on the credit report obtained through DU, the loan must close on or before [redacted]. Closing date was [redacted] | 06/13/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase |  | D | D | C | B | A | A | D | D | Non QM | Non QM | No |
| 223792589 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Occupancy misrepresentation |  |  |  | Reviewer Comment (2024-05-30): Reason for S&D |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | D | D | C | B | A | A | D | D | Non QM | Non QM | No |
| 223792589 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-05-30): Sufficient Cure Provided At Closing |  | 05/30/2024 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NY | Primary | Purchase | Final CD evidences Cure | D | D | C | B | A | A | D | D | Non QM | Non QM | Yes |
| 223792590 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - The borrower has an existing [redacted] loan on previous address [redacted]; FHA Case Number [redacted]. Borrower retained property to use as rental. Credit report and FHA Case Assignment appear not to have captured this debt, but a current mortgage statement was present in the file. No evidence borrower was eligible for multiple FHA loan exception, properties are not distant from each other. |  |  |  | Reviewer Comment (2024-06-13): S&D Reason |  |  | 06/13/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | C | C | C | C | B | B | A | A | Non QM | Non QM | No |
| 223792590 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | TX | Primary | Purchase |  | C | C | C | C | B | B | A | A | Non QM | Non QM | No |
| 223792590 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | TX | Primary | Purchase |  | C | C | C | C | B | B | A | A | Non QM | Non QM | No |
| 223792590 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-06-25): Inspection in TD.<br>Reviewer Comment (2024-06-25): damage | 06/25/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | C | C | C | B | B | A | A | Non QM | Non QM | No |
| 223792590 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] xxxx - [redacted]% Points and Fees | [redacted] xxxx [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | C | C | C | B | B | A | A | Non QM | Non QM | Yes |
| 223792590 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank xxxx): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | C | C | C | C | B | B | A | A | Non QM | Non QM | No |
| 223792590 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] did not disclose the mortgage insurance payment for payment stream x. | Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] did not disclose the mortgage insurance payment for payment stream x. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | C | C | C | B | B | A | A | Non QM | Non QM | Yes |
| 223792590 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank xxxx): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | C | C | C | C | B | B | A | A | Non QM | Non QM | No |
| 223792590 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a [redacted] area and has been affected by the [redacted]. | Disaster Name: ___; <br> Disaster Declaration Date: ___; <br> Most Recent Disaster End Date: ___ | Distant inspection photos confirm [redacted] however dwelling damage detection would require a closer inspection. |  |  |  | Reviewer Comment (2024-07-25): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Disaster Name: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING; <br> Disaster Declaration Date: [redacted]; <br> Most Recent Disaster End Date: [redacted] |  |  |  | 3 |  | C |  | C |  | C |  | C |  | C |  | TX | Primary | Purchase |  | C | C | C | C | B | B | A | A | Non QM | Non QM | No |
| 223792590 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 |  | C |  | C |  | C |  | C |  | C |  | TX | Primary | Purchase |  | C | C | C | C | B | B | A | A | Non QM | Non QM | No |
| 223792591 | xx | xx | xx | xx |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | TX | Primary | Purchase |  | C | C | C | C | B | B | B | B | Non QM | Non QM | No |
| 223792591 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | TX | Primary | Purchase |  | C | C | C | C | B | B | B | B | Non QM | Non QM | No |
| 223792591 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | C | C | C | C | B | B | B | B | Non QM | Non QM | No |
| 223792591 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank xxxx): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | C | C | C | C | B | B | B | B | Non QM | Non QM | No |
| 223792591 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | C | C | C | B | B | B | B | Non QM | Non QM | Yes |
| 223792591 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of [redacted] plus [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-06-14): Sufficient Cure Provided At Closing |  | 06/14/2024 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Purchase | Final CD evidences Cure | C | C | C | C | B | B | B | B | Non QM | Non QM | Yes |
| 223792591 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Incorrect Bx & Bx income calculation and PITI for the subject property was miscalculated. DTI increases to [redacted]%. |  |  |  | Reviewer Comment (2024-06-21): Reason for S&D. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | C | C | C | C | B | B | B | B | Non QM | Non QM | No |
| 223792592 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (x-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank xxxx): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | Non QM | No |
| 223792592 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (x-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank xxxx): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | Non QM | No |
| 223792592 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application | Truth in Lending Act (NMLSR Dodd- Frank xxxx): Individual Loan Originator not NMLS licensed or registered at time of application. |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | OH | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | Non QM | No |
| 223792592 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted] business days of application. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | Non QM | No |
| 223792592 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | [redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within [redacted] business days of application. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | Non QM | No |
| 223792592 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided Timely) | [redacted] Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure at Closing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | Non QM | No |
| 223792592 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | Non QM | No |
| 223792592 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | Non QM | No |
| 223792592 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within x Business Days of Application | RESPA Disclosure Rule (Dodd-Frank xxxx): List of Homeownership Counseling Organizations not provided to applicant within [redacted] business days of application. | List of Homeownership Counseling Organizations not provided to applicant within [redacted] business days of application. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | Non QM | No |
| 223792592 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. (Initial/[redacted]) |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Primary | Purchase | No Defined Cure | C | C | C | C | C | C | A | A | Non QM | Non QM | No |
| 223792592 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - [redacted] Yr irregular income history |  |  |  | Reviewer Comment (2024-06-21): Reason for S&D. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | Non QM | No |
| 223792592 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Initial Closing Disclosure provided is incomplete as it is missing data on pagex (date issued date, loan terms, & projected payments sections), page x (LE column data) and page x (loan calculations section). |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | OH | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | Non QM | No |
| 223792592 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (x-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank xxxx): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | Non QM | No |
| 223792593 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CA | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | Non QM | No |
| 223792593 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted] |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | C | C | C | C | C | A | A | Non QM | Non QM | Yes |
| 223792593 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted] threshold. | Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted] threshold |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | C | C | C | C | C | C | A | A | Non QM | Non QM | Yes |
| 223792593 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: [redacted] Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] is less than amount of binding Lender Credit previously disclosed in the amount of $[redacted]. | [redacted] Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] is less than amount of binding Lender Credit previously disclosed in the amount of $[redacted]. |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | C | C | C | C | A | A | Non QM | Non QM | Yes |
| 223792593 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - TRID tolerance |  |  |  | Reviewer Comment (2024-06-21): Reason for S&D. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | Non QM | No |
| 223792593 | xx | xx | xx | xx |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | Non QM | No |
| 223792593 | xx | xx | xx | xx |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | Qualification method used:<br> Fully amortized payment at the greater of the fully indexed or the note rate, to repay the loan over the remaining term after the I/O period | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score is above [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-06-22): Waived and downgraded based on S&D Scope Document and available compensating factors. |  |  | 06/22/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | Non QM | No |
| 223792593 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank xxxx): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | DTI increased to [redacted]% due to the qualification method. Qualified using the greater of the fully indexed rate or note rate. |  |  |  | Reviewer Comment (2024-06-22): DTI Waived and downgraded based on S&D Scope Document and available compensating factors. | 06/22/2024 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | C | C | C | C | C | A | A | Non QM | Non QM | Yes |
| 223792593 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank xxxx): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI increased to [redacted]% due to the qualification method. Qualified using the greater of the fully indexed rate or note rate. |  |  |  | Reviewer Comment (2024-06-22): DTI Waived and downgraded based on S&D Scope Document and available compensating factors. | 06/22/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | Non QM | No |
| 223792593 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Out of Scope Recommendation. xxxx reflects loan was underwritten to DU, however, results on AUS provided reflect an Out of Scope recommendation which indicates that DU is unable to underwrite the particular product, mortgage, or borrower described in the submission. Per [redacted], any mortgage that receives an Out of Scope recommendation must be manually underwritten. Review was not provided with the manual underwriting guidelines applied to this loan for approval. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CA | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | Non QM | No |
| 223792594 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-06-26): received PDI | 06/26/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| 223792594 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Shortfall of $[redacted] due to coverage of $[redacted] doesn't meet loan amount of $[redacted] - no replacement cost provided by lender. |  |  |  | Reviewer Comment (2024-07-05): Received updated coverages ([redacted]) with coverage of $[redacted]), buyer to review for waiver of using post closing coverage. |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Purchase |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| 223792594 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason- DTI aged off |  |  |  | Reviewer Comment (2024-06-21): Reason for S&D. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| 223792595 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | OH | Primary | Purchase |  | C | C | C | C | B | B | A | A | Non QM | Non QM | No |
| 223792595 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-06-26): Received PDI | 06/26/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OH | Primary | Purchase |  | C | C | C | C | B | B | A | A | Non QM | Non QM | No |
| 223792595 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - T&I&A not included in Borrowerx housing payment |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Primary | Purchase |  | C | C | C | C | B | B | A | A | Non QM | Non QM | No |
| 223792595 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ |  |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | OH | Primary | Purchase |  | C | C | C | C | B | B | A | A | Non QM | Non QM | No |
| 223792595 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | LE was signed electronically before e-consent was provided according to documentation in the loan file. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Primary | Purchase |  | C | C | C | C | B | B | A | A | Non QM | Non QM | No |
| 223792595 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Co-borrower's taxes, insurance and assessments on property owned has not be disclosed in the loan file. |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | OH | Primary | Purchase |  | C | C | C | C | B | B | A | A | Non QM | Non QM | No |
| 223792598 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] - [redacted]% Points and Fees | [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted]). |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes |
| 223792598 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes |
| 223792598 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). (Final[redacted]) |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes |
| 223792598 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes |
| 223792598 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Gift income was not properly documented. |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | B | B | B | B | B | B | A | A | Non QM | Non QM | No |
| 223792600 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Income miscalculated |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Investment | Purchase |  | B | B | B | B | A | A | A | A | N/A | N/A | No |
| 223792601 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-06-26): Received PDI | 06/26/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| 223792601 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Occupancy misrepresentation. |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| 223792601 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (x-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank xxxx): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| 223792601 | xx | xx | xx | xx |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| 223792604 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: x | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | NJ | Investment | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | N/A | N/A | No |
| 223792604 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Income miscalculating resulting in DTI above threshold |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Investment | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | N/A | N/A | No |
| 223792606 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster:[redacted]. | SitusAMC | Reviewer Comment (2023-09-06): Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted]. |  |  | 09/06/2023 | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Refinance - Cash-out - Home Improvement |  | C | C | C | B | A | A | A | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792606 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | KNOWN DEFECT-EPD |  |  |  | Reviewer Comment (2023-05-19): Post origination removed | 05/19/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Home Improvement |  | C | C | C | B | A | A | A | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792606 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Highest level secondary valuation was [redacted]and does not support the value used to qualify. Sec ID: [redacted] |  | [redacted]% variance in value from xxxx. |  |  |  | Reviewer Comment (2023-05-18): Duplicate | 05/18/2023 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | CA | Primary | Refinance - Cash-out - Home Improvement |  | C | C | C | B | A | A | A | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792606 | xx | xx | xx | xx |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was BPO and does not support the value used to qualify.; Sec ID: [redacted] |  | [redacted]% variance in value from xxxx. |  |  |  | Reviewer Comment (2023-05-24): 2055 provided, clearing this exception for BPO | 05/24/2023 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | CA | Primary | Refinance - Cash-out - Home Improvement |  | C | C | C | B | A | A | A | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792606 | xx | xx | xx | xx |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | [redacted] provided. Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Value on [redacted] came in $[redacted]. [redacted] in file reflects $[redacted]. |  |  |  |  |  |  |  | 3 |  | C |  | C |  | C |  | C |  | C |  | CA | Primary | Refinance - Cash-out - Home Improvement |  | C | C | C | B | A | A | A | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792607 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | The file is missing one or more of the core documents required for a review. Please provide a complete loan package including subject a Note, Security Instrument, an initial xxxx, a final xxxx, an Approval or xxxx, income verification, asset verification, an origination credit report, final Title, and all issued LE's and CD's. |  |  |  | Reviewer Comment (2023-12-22): Sufficient documentation was provided. | 12/22/2023 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | FL | Primary | Purchase |  | D | C | C | C | D | B | C | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223792607 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | The property is in [redacted]. Provide a post-disaster inspection verifying there was no damage from Hurricane Ian. The inspection must include exterior photos and the property must be re-inspected on or after [redacted]. [Most Recent Valuation Inspection Date: [redacted]] |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Purchase |  | D | C | C | C | D | B | C | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223792607 | xx | xx | xx | xx |  |  | Credit | Guideline | Guideline Issue | Guideline | The origination guidelines are not available. Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | D | C | C | C | D | B | C | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223792607 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. |  | A copy of the appraiser's valid license not provided. Licensing data obtained from database lookup is after appraisal date. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Purchase |  | D | C | C | C | D | B | C | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223792607 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank xxxx): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Evidence of appraisal delivery not provided. The version of the acknowledgment of receipt signed at closing has been deemed non-compliant as it does not specify whether borrower is acknowledging receipt of appraisal at least [redacted] days prior to closing or has previously waived the delivery timing requirements and has received the appraisal. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | D | C | C | C | D | B | C | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223792607 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Finance Charge disclosed on Final Closing Disclosure is $[redacted]. Due Diligence Finance Charge is $[redacted]. There is a variance of -$[redacted]. An itemization of amount financed is not provided to determine source of discrepancy, however. the discrepancy matches the the Tax Service Fee charge ($[redacted]). |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | D | C | C | C | D | B | C | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223792607 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within[redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Initial Loan Estimate electronically issued on [redacted] and electronically signed on [redacted]. Earliest consent provided is dated [redacted]. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | D | C | C | C | D | B | C | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223792608 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock not provided |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MN | Primary | Purchase |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| 223792608 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] - [redacted]% Points and Fees | [redacted] xxxx [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted]). |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MN | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | B | B | A | A | Non QM | Non QM | Yes |
| 223792608 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Escrow Service Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Escrow Service Fee was added on the [redacted] CD and then increased on the final CD. The file did not contain a valid Change of Circumstance or evidence of a tolerance cure. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | B | B | A | A | Non QM | Non QM | Yes |
| 223792608 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee increased on [redacted] LE. The file did not contain a valid Change of Circumstance or evidence of a tolerance cure. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | B | B | A | A | Non QM | Non QM | Yes |
| 223792608 | xx | xx | xx | xx |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of [redacted] is less than Guideline minimum requirement of [redacted] months. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | [redacted] | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-06-21): Less than [redacted] month reserve exception waived with verified compensating factors.<br>Seller Comment (2023-06-20): Borrowers have [redacted] years in same line of work, with DTi below [redacted]%, residual income over $[redacted].<br>Reviewer Comment (2023-06-12): Borrowers have [redacted] years in same line of work, with DTi below [redacted]%, residual income over $[redacted]. |  |  | 06/21/2023 | 2 | C | B | C | B | C | B | C | B | C | B |  | MN | Primary | Purchase |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| 223792608 | xx | xx | xx | xx |  |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The Verification of Rent in the loan file is signed by the creditor; however, none of the information is completed. A Verification of Rent is required by guidelines. |  |  |  | Reviewer Comment (2023-06-20): Received VOR<br>Seller Comment (2023-06-20): Borrowers have [redacted] years in same line of work, with DTi below [redacted]%, residual income over $[redacted]. | 06/20/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MN | Primary | Purchase |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| 223792608 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines indicate the payment shock should not exceed [redacted]% of the borrower's current housing payment. Based on stated rent of $[redacted], the housing shock for the borrowers is [redacted]%. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Borrower has verified disposable income of at least $[redacted]. | [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2023-06-26): Client elects to downgrade based on compensating factors.<br>Reviewer Comment (2023-06-12): Borrowers have [redacted]years in same line of work, with DTi below [redacted]%, residual income over $[redacted]. |  |  | 06/26/2023 | 2 | C | B | C | B | C | B | C | B | C | B |  | MN | Primary | Purchase |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| 223792608 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines require an unexpired passport for all borrowers under the ITIN program and the file did not contain a passport for either borrower. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | [redacted] | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-06-26): Client elects to downgrade based on compensating factors.<br>Reviewer Comment (2023-06-12): Taxes, pay stubs , Drivers License, US Patriot Act form signed, social security cards in file and validated at close, |  |  | 06/26/2023 | 2 | C | B | C | B | C | B | C | B | C | B |  | MN | Primary | Purchase |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| 223792609 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Loan is not using the new [redacted] Legal Documents. |  | Loan is not using new [redacted] legal documents |  |  |  | Reviewer Comment (2023-06-14): Loan is not being sold to an agency. | 06/14/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Primary | Purchase |  | C | B | C | A | B | B | A | A | Non QM | Non QM | No |
| 223792609 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance policy for the subject property is missing. |  |  |  | Reviewer Comment (2023-06-21): Hazard provided.<br>Reviewer Comment (2023-06-21): Please add through portal.<br>Seller Comment (2023-06-20): updated copy of HOI uploaded to Doc Acuity | 06/21/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Primary | Purchase |  | C | B | C | A | B | B | A | A | Non QM | Non QM | No |
| 223792609 | xx | xx | xx | xx |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Borrower is [redacted]. Valid employment authorization, Visa documents are missing. |  |  |  | Reviewer Comment (2023-06-22): All required docs included.<br>Seller Comment (2023-06-21): uploaded proof of citizenship status<br>Reviewer Comment (2023-06-14): ITIN provided as trailing doc was already in file. | 06/22/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Primary | Purchase |  | C | B | C | A | B | B | A | A | Non QM | Non QM | No |
| 223792609 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | Recording fee increased on [redacted] CD with no valid Change of Circumstance, [redacted] cure was not enough for both tolerance violations. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes |
| 223792609 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee increased on [redacted] CD without valid Change of Circumstance, $[redacted] cure was not enough for both tolerance violations. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes |
| 223792610 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank xxxx): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MN | Primary | Purchase |  | B | B | B | B | B | B | A | A | Non QM | Non QM | No |
| 223792610 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: No defect persay - agency does not agree with this being a stick built house despite additions. They think it should be appraised as a manufactured house |  |  |  | Reviewer Comment (2024-06-27): S&D reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MN | Primary | Purchase |  | B | B | B | B | B | B | A | A | Non QM | Non QM | No |
| 223792611 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History | Qualified Mortgage (Dodd-Frank xxxx): Employment history requirement not met. | Employment history requirement not met. |  |  |  | Reviewer Comment (2024-08-07): Subject transaction is an extension of credit made pursuant to a program administered by a Housing Finance Agency, as defined under [redacted]CFR [redacted].<br>Reviewer Comment (2024-08-06): Please provide signed attestation for exempt loan<br>Seller Comment (2024-07-23): loan is Exempt from QM due to HFA - client did not have [redacted]years work history due to immigration status in the US.Application for resident status occurred in [redacted]and approved at the end of [redacted]which did not allow them to work prior to then. Social Security card was issued [redacted] and the client found work shortly thereafter based on the documentation in the file | 08/07/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Primary | Purchase |  | C | B | B | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223792611 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank xxxx): Originator Loan Designation of Exempt from ATR does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation of Exempt from ATR does not match Due Diligence Loan Designation of Non QM. |  |  |  | Reviewer Comment (2024-08-07): Subject transaction is an extension of credit made pursuant to a program administered by a Housing Finance Agency, as defined under [redacted]CFR [redacted].<br>Reviewer Comment (2024-08-06): Please provide signed attestation for exempt loan<br>Seller Comment (2024-07-23): what are you looking for to clear this? | 08/07/2024 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | NC | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | B | B | C | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| 223792611 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - "Loan does not meet Investor Guidelines - Per [redacted] Housing, lender reserved & approved with the borrower's marital status as single. The borrower completed and recorded a Free Trader Agreement (attached) changing their marital status as married. Security Instruments and Warranty Deed recorded appropriately as married. <br>Due to the change of marital status after approval, the loan is no longer valid. |  |  |  | Reviewer Comment (2024-07-09): S&D Reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NC | Primary | Purchase |  | C | B | B | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223792612 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - "Repurchased loan due to Incorrect Rental Income Calculation - Excessive DTI - Invalid AUS Findings: The Borrower retained their prior residence in [redacted]. The Lender used Completed [redacted]% of the gross rental<br> income of $[redacted] minus the first mortgage payment of $[redacted] to qualify. The resulting rental loss of $[redacted] per month was included in the Borrower's liabilities.<br> \* The Borrower had a second lien with [redacted] with a monthly payment of $[redacted] per month on their prior residence, that was not included in the rental calculation.<br> \* When the $[redacted] per month is included in the rental income calculation, the net loss increased to $[redacted] per month. <br>The $[redacted] per month must be included in the Borrower's liabilities. The rental income from the Borrower's prior residence cannot be used to qualify. The lease agreement in file supported gross monthly rental income of $[redacted] per month on the prior residence. Freddie Mac guide section [redacted] requires the rental income to be supported by evidence of two-months receipts. Evidence of [redacted] receipts was not included in the original file and cited as a deficiency. As the rental income could not be verified and used to offset the mortgages on the Borrower's prior residence, the full PITI of $[redacted] per month including the xnd mortgage, on the Borrower's prior residence must be included in the Borrower's TDTI.<br> Using the PITI on the subject property of $[redacted] per month, PITI on the prior residence of $[redacted], and other debts of $[redacted], the Borrower's total monthly obligations were $[redacted] per month.<br> Using income of $[redacted] per month, and total obligations of $[redacted] per month, the Borrower's final TDTI increase to [redacted]%. This invalided the LPA findings and indicated insufficient income to support total obligations." |  |  |  | Reviewer Comment (2024-07-09): S&D Reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MN | Primary | Purchase |  | C | C | C | C | C | C | A | A | Exempt from ATR | ATR Risk | No |
| 223792612 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Exempt from ATR does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2024-07-09): Due to DTI - S&D Reason |  |  |  | 3 | B | B | C | C | B | B | C | C | B | B |  | MN | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | C | C | C | C | C | A | A | Exempt from ATR | ATR Risk | Yes |
| 223792612 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV[redacted]-B.) |  |  |  |  | Reviewer Comment (2024-07-09): S&D reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | MN | Primary | Purchase |  | C | C | C | C | C | C | A | A | Exempt from ATR | ATR Risk | No |
| 223792612 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History | Qualified Mortgage (Dodd-Frank [redacted]): Employment history requirement not met. | Employment history requirement not met. |  |  |  | Reviewer Comment (2024-07-23): Updated with docs received<br>Seller Comment (2024-07-19): LOX<br>Seller Comment (2024-07-19): VOEs | 07/23/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MN | Primary | Purchase |  | C | C | C | C | C | C | A | A | Exempt from ATR | ATR Risk | No |
| 223792612 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank [redacted]): Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. |  |  |  | Reviewer Comment (2024-07-09): S&D reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | MN | Primary | Purchase |  | C | C | C | C | C | C | A | A | Exempt from ATR | ATR Risk | No |
| 223792612 | xx | xx | xx | xx |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | DTI exceeds guidelines requirements |  |  |  | Reviewer Comment (2024-07-09): S&D reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | MN | Primary | Purchase |  | C | C | C | C | C | C | A | A | Exempt from ATR | ATR Risk | No |
| 223792612 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2024-07-09): S&D reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | MN | Primary | Purchase |  | C | C | C | C | C | C | A | A | Exempt from ATR | ATR Risk | No |
| 223792612 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within [redacted]business days of the Note. |  |  |  |  |  | Reviewer Comment (2024-11-18): S&D |  |  |  | 3 |  | C |  | C |  | C |  | C |  | C |  | MN | Primary | Purchase |  | C | C | C | C | C | C | A | A | Exempt from ATR | ATR Risk | No |
| 223792613 | xx | xx | xx | xx |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Calculated investor qualifying total debt ratio of [redacted]% exceeds AUS total debt ratio of [redacted]%. This is due to the AUS excluding debt with [redacted]. Nothing in file to show the reason for omission and/or documentation to specify this debt is a business debt. |  |  |  | Reviewer Comment (2024-08-21): Document requested Form [redacted]or [redacted], with Market Rents, Insurance Verification, Tax Verification for property [redacted]Washington Ave, exception cleared<br>Seller Comment (2024-08-20): We used the cashflow for investment property. the negative cash flow of $[redacted]was what was included to calculate the DTI<br>Reviewer Comment (2024-08-13): DTI is based on $[redacted]in income - $[redacted]Primary PITI, $[redacted]in other REO and $[redacted]Consumer debt<br>Reviewer Comment (2024-08-13): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [redacted]% exceeds AUS total debt ratio of [redacted]%.<br>Seller Comment (2024-08-09): If the payment was included, DTI goes from [redacted]% to [redacted]%, which is within AUS tolerance for us not to have to rerun AUS. | 08/21/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Investment | Purchase |  | C | C | C | C | B | B | A | A | Safe Harbor QM | N/A | No |
| 223792613 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - DECLINING INCOME YEAR AFTER YEAR |  |  |  | Reviewer Comment (2024-07-17): S&D reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Investment | Purchase |  | C | C | C | C | B | B | A | A | Safe Harbor QM | N/A | No |
| 223792613 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank [redacted]): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under [redacted]based on deal settings. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Investment | Purchase |  | C | C | C | C | B | B | A | A | Safe Harbor QM | N/A | No |
| 223792613 | xx | xx | xx | xx |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Closing discrepancy. | Documented qualifying Assets of ___ is less than AUS Available for Closing of ___. | LP requires source of gift funds and proof of transfer, which are not in file. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Investment | Purchase |  | C | C | C | C | B | B | A | A | Safe Harbor QM | N/A | No |
| 223792613 | xx | xx | xx | xx |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | LP requires source of gift funds and proof of transfer, which are not in file. |  |  |  | Reviewer Comment (2024-08-25): There are [readcted] $[redacted]deposits which are not sourced<br>Seller Comment (2024-08-21): final assets at close. Borrower liquidated $[redacted]k from stocks. Account ledger showing deposit into account three days prior to closing<br>Reviewer Comment (2024-08-13): Stocks are excluded from closing<br>Seller Comment (2024-08-07): qualifying assets are greater than closing costs |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Investment | Purchase |  | C | C | C | C | B | B | A | A | Safe Harbor QM | N/A | No |
| 223792613 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Statement confirming the P&I for the borrower's primary residence is not in file. |  |  |  | Reviewer Comment (2024-08-08): Received First Payment Letter verifying P&I amount, exception cleared.<br>Seller Comment (2024-08-07): P & I primary | 08/08/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Investment | Purchase |  | C | C | C | C | B | B | A | A | Safe Harbor QM | N/A | No |
| 223792613 | xx | xx | xx | xx |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Due to missing gift documentation |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Investment | Purchase |  | C | C | C | C | B | B | A | A | Safe Harbor QM | N/A | No |
| 223792613 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | REO documents missing for property [redacted] |  |  |  |  |  |  |  | 3 |  | C |  | C |  | C |  | C |  | C |  | IL | Investment | Purchase |  | C | C | C | C | B | B | A | A | Safe Harbor QM | N/A | No |
| 223792614 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - BORROWER TERMINATED SAME DAY AS CLOSING |  |  |  | Reviewer Comment (2024-07-17): S&D reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | C | B | C | B | A | A | A | A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| 223792614 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Mortgage Statement for the Wells Fargo HELOC on the co-borrower's primary residence is not in file. |  |  |  | Reviewer Comment (2024-08-02): Used the credit report | 08/02/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | A | A | A | A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| 223792621 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - File is lacking documentation to support self employment income. Borrower was CEO for only [redacted] year at the time of closing and missing tax returns resulted in $[redacted]qualifying income and a DTI that cannot be calculated. |  |  |  | Reviewer Comment (2024-07-29): S&D reason<br>Seller Comment (2024-07-23): Hello - This is the disclosed defect. Please update the condition for this. Thanks. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CO | Primary | Purchase |  | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792621 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | The loan designation is Safe Harbor QM(APOR) |  |  |  | Reviewer Comment (2024-08-13): Received rate sheet showing start rate and cost<br>Seller Comment (2024-08-07): Entire rate table provided. [redacted]% start rate w/ $[redacted]cost to borrower. Thanks.<br>Reviewer Comment (2024-08-06): Please provide start rate and cost of start rate, rate lock only shows locked rate and not start rate or cost of start rate.<br>Seller Comment (2024-07-29): Please see rate details. Thanks.<br>Reviewer Comment (2024-07-29): need provide discount point worksheet<br>Seller Comment (2024-07-23): Please see docs uploaded to other exceptions. Thanks. | 08/13/2024 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | CO | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223792621 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank [redacted]): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or [redacted]%). |  |  |  |  | Reviewer Comment (2024-08-13): Received rate sheet showing start rate and cost<br>Seller Comment (2024-08-07): Entire rate table provided. [redacted]% start rate w/ $[redacted]cost to borrower. Thanks.<br>Reviewer Comment (2024-08-06): Please provide start rate and cost of start rate, rate lock only shows locked rate and not start rate or cost of start rate.<br>Seller Comment (2024-07-29): Please see rate details. Thanks.<br>Reviewer Comment (2024-07-29): Please provide the discount worksheet showing initial rate and cost of start rate<br>Seller Comment (2024-07-23): Hello - There was $[redacted]in bona fide discount points that were allowed to be excluded. Thanks. | 08/13/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Purchase |  | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792622 | xx | xx | xx | xx |  |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2024-07-25): Received Condo warranty document, exception cleared<br>Seller Comment (2024-07-24): Hello - Please see condo docs. Thanks. | 07/25/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223792622 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  | Reviewer Comment (2024-07-29): Disclosure is required to be signed<br>Seller Comment (2024-07-24): Please see borrower confirmation of receipt of docs. Affiliated Business Arrangement is in the Initial Information disclosure packet.<br>Seller Comment (2024-07-24): Please see borrower confirmation of receipt of docs. Thanks. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223792622 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within x Business Days of Application | RESPA Disclosure Rule (Dodd-Frank [redacted]): List of Homeownership Counseling Organizations not provided to applicant within [redacted]([redacted]) business days of application. | Evidence of earlier borrower receipt of the List of Homeownership Counseling was missing from the file. |  |  |  | Reviewer Comment (2024-07-29): Received<br>Seller Comment (2024-07-24): Please see borrower confirmation of receipt of docs. Thanks. | 07/29/2024 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | GA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223792622 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR analysis, escrow requirements, appraisal requirements and general compliant vs non-compliant status has been verified |  |  |  | Reviewer Comment (2024-07-29): Received VOE<br>Seller Comment (2024-07-24): Docs uploaded to clear income/employment verification. Thank you. | 07/29/2024 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | GA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223792622 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-[redacted] | Ability to Repay (Dodd-Frank [redacted]): Unable to verify current Wages/W-[redacted] employment status using reasonably reliable [redacted]-party records. | ATR risk due to excessive DTI. This exception will be cleared when all ATR related exceptions cleared. |  |  |  | Reviewer Comment (2024-07-29): Received VOE<br>Seller Comment (2024-07-24): Hello - file contains prior years W[redacted]'s and a current paystub which support full time pay as listed on the paystub. Paystub is bi-weekly with [redacted] hours @ $[redacted]/hr. [redacted] ytd verifies to $[redacted]/mth ($[redacted] + $[redacted] / [redacted]). This meets [redacted] guidelines. Thank you. <br>Document [redacted]'s income using a paystub and a W-[redacted] from the prior year, or using a standard Verification of Employment ([redacted]). The paystub must be dated no earlier than [redacted] days prior to the initial loan application date, include all year-to-date earnings, and include sufficient information to appropriately calculate income. Otherwise, additional documentation must be obtained. If a W-[redacted] is not available from the prior year, the lender must determine if the income would still be acceptable per the Selling Guide. If a standard Verification of Employment ([redacted]) will be obtained it must include all year-to-date earnings as well as prior year earnings if a W-[redacted] is not being provided. Direct verifications provided by a third party employment verification vendor are acceptable if completed in accordance with the Selling Guide.<br>Seller Comment (2024-07-24): Hello - file contains prior years W[redacted]'s and a current paystub which support full time pay as listed on the paystub. Paystub is bi-weekly with [redacted]. [redacted] ytd verifies to [redacted]. This meets [redacted] guidelines. Thank you. <br>Document [redacted]'s income using a paystub and a W-[redacted] from the prior year, or using a standard Verification of Employment ([redacted]). The paystub must be dated no earlier than [redacted] days prior to the initial loan application date, include all year-to-date earnings, and include sufficient information to appropriately calculate income. Otherwise, additional documentation must be obtained. If a W-[redacted] is not available from the prior year, the lender must determine if the income would still be acceptable per the Selling Guide. If a standard Verification of Employment ([redacted]) will be obtained it must include all year-to-date earnings as well as prior year earnings if a W-[redacted] is not being provided. Direct verifications provided by a [redacted] party employment verification vendor are acceptable if completed in accordance with the Selling Guide.<br>Seller Comment (2024-07-24): Hello - file contains prior years W[redacted]'s and a current paystub which support full time pay as listed on the paystub. Paystub is bi-weekly with [redacted]. [redacted]ytd verifies to [redacted]. This meets [redacted] guidelines. Thank you. <br>Document [redacted]'s income using a paystub and a W-[redacted]from the prior year, or using a standard Verification of Employment ([redacted]). The paystub must be dated no earlier than [redacted]days prior to the initial loan application date, include all year-to-date earnings, and include sufficient information to appropriately calculate income. Otherwise, additional documentation must be obtained. If a W-[redacted]is not available from the prior year, the lender must determine if the income would still be acceptable per the Selling Guide. If a standard Verification of Employment ([redacted]) will be obtained it must include all year-to-date earnings as well as prior year earnings if a W-[redacted] is not being provided. Direct verifications provided by a third party employment verification vendor are acceptable if completed in accordance with the Selling Guide.<br>Seller Comment (2024-07-24): Hello - file contains prior years W[redacted]'s and a current paystub which support full time pay as listed on the paystub. Paystub is bi-weekly with [redacted]. [redacted]ytd verifies to [redacted]. This meets [redacted] guidelines. Thank you. <br>Document [redacted]'s income using a paystub and a W-[redacted]from the prior year, or using a standard Verification of Employment ([redacted]). The paystub must be dated no earlier than [redacted]days prior to the initial loan application date, include all year-to-date earnings, and include sufficient information to appropriately calculate income. Otherwise, additional documentation must be obtained. If a W-[redacted]is not available from the prior year, the lender must determine if the income would still be acceptable per the Selling Guide. If a standard Verification of Employment ([redacted]) will be obtained it must include all year-to-date earnings as well as prior year earnings if a W-[redacted]is not being provided. Direct verifications provided by a third party employment verification vendor are acceptable if completed in accordance with the Selling Guide. | 07/29/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223792622 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | ATR risk due to excessive DTI. This exception will be cleared when all ATR related exceptions cleared. |  |  |  | Reviewer Comment (2024-07-29): Received VOE | 07/29/2024 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | GA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223792622 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. |  | The file was missing the verbal verification of employment obtained within ten business days prior to closing. |  |  |  | Reviewer Comment (2024-07-25): We have work number within [redacted]days of note date hence exception cleared<br>Seller Comment (2024-07-24): Hello - Loan closed on [redacted]. File contains[redacted] & [redacted] TWNs. The [redacted] TWN is [redacted]business days prior to the note and complies with [redacted] guidelines. Thanks.<br>Perform and document a verification of employment for each borrower using one of the following methods permitted in the Selling Guide: [redacted]) A verbal, written, or email verification of employment for all borrowers who are not self-employed no more than [redacted]business days prior to the note date, or self-employed within [redacted]calendar days prior to the note date. [redacted]) Direct verification by a third party employment verification vendor if completed within the same timeframes, and the information is not more than [redacted] days old ([redacted] days old if self employed) as of the note date. [redacted]) If the borrower is in the military, obtain either a Military Leave and Earnings Statement within [redacted] calendar days prior to the note date or a verification of employment through the Defense Manpower Data Center (xx). Lenders also have the option of obtaining the verbal verification of employment after the note date (and prior to delivery of the loan to [redacted]), but when using this option must ensure compliance with the Selling Guide.<br>Seller Comment (2024-07-24): Hello - Loan closed on [redacted]. File contains [redacted] & [redacted] TWNs. The [redacted] TWN is [redacted] business days prior to the note and complies with [redacted] guidelines. Thanks.<br>Perform and document a verification of employment for each borrower using one of the following methods permitted in the Selling Guide: [redacted]) A verbal, written, or email verification of employment for all borrowers who are not self-employed no more than [redacted] business days prior to the note date, or self-employed within [redacted] calendar days prior to the note date. [redacted]) Direct verification by a third party employment verification vendor if completed within the same timeframes, and the information is not more than [redacted] days old ([redacted] days old if self employed) as of the note date. [redacted]) If the borrower is in the military, obtain either a Military Leave and Earnings Statement within [redacted] calendar days prior to the note date or a verification of employment through the Defense Manpower Data Center (xx). Lenders also have the option of obtaining the verbal verification of employment after the note date (and prior to delivery of the loan to [redacted]), but when using this option must ensure compliance with the Selling Guide. | 07/25/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223792622 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - The loan closed on[redacted] as a primary residence. The appeal documentation provided is not sufficient to establish the borrower's occupancy of the subject property. [redacted]party verification reflects the subject property was recently listed for rent and the borrower had registered a car at the purported departure residence on [redacted]. |  |  |  | Reviewer Comment (2024-07-19): S&D reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223792623 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required |  |  |  | Reviewer Comment (2024-08-12): Received Property Inspection Report, Exception Cleared<br>Seller Comment (2024-07-24): [redacted] is obtaining. | 08/12/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Purchase |  | D | D | C | B | B | B | D | D | Non QM | Non QM | No |
| 223792623 | xx | xx | xx | xx |  |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Missing documentation from lender/seller confirming the condo is warrantable |  |  |  | Reviewer Comment (2024-07-25): Received Condo warranty document, exception cleared<br>Seller Comment (2024-07-24): Hello - Please see uploaded condo docs. Thanks. | 07/25/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Purchase |  | D | D | C | B | B | B | D | D | Non QM | Non QM | No |
| 223792623 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | VA | Primary | Purchase |  | D | D | C | B | B | B | D | D | Non QM | Non QM | No |
| 223792623 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted]([redacted]) business days of application. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | VA | Primary | Purchase |  | D | D | C | B | B | B | D | D | Non QM | Non QM | No |
| 223792623 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | VA | Primary | Purchase |  | D | D | C | B | B | B | D | D | Non QM | Non QM | No |
| 223792623 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted]([redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted]([redacted]) business days prior to closing. (Initial/[redacted]) |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | VA | Primary | Purchase | No Defined Cure | D | D | C | B | B | B | D | D | Non QM | Non QM | No |
| 223792623 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least four ([redacted]) business days prior to closing. | Revised Loan Estimate provided on [redacted] not received by borrower at least four ([redacted]) business days prior to closing. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | VA | Primary | Purchase | No Defined Cure | D | D | C | B | B | B | D | D | Non QM | Non QM | No |
| 223792623 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Borrower unemployed at the time of loan closing and is unresponsive to attempts for updated employment details. |  |  |  | Reviewer Comment (2024-07-19): S&D reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | VA | Primary | Purchase |  | D | D | C | B | B | B | D | D | Non QM | Non QM | No |
| 223792623 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-08-19): received BPO<br>Seller Comment (2024-07-24): [redacted] is obtaining. | 08/19/2024 |  |  | 1 | D | A | B | A | D | A | C | A | D | A |  | VA | Primary | Purchase |  | D | D | C | B | B | B | D | D | Non QM | Non QM | No |
| 223792623 | xx | xx | xx | xx |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. No supporting secondary valuation with effective date within [redacted]months of note date was provided. A supporting secondary valuation with effective date between [redacted]and [redacted]months past note date was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 |  | A |  | B |  | A |  | D |  | D |  | VA | Primary | Purchase |  | D | D | C | B | B | B | D | D | Non QM | Non QM | No |
| 223792624 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | [redacted] returned a CU score of [redacted]Secondary Valuation is missing from the file. |  |  |  | Reviewer Comment (2024-08-14): Received CDA<br>Seller Comment (2024-07-29): [redacted] is obtaining. Thanks.<br>Seller Comment (2024-07-29): [redacted] is obtaining second evals. Thanks.<br>Reviewer Comment (2024-07-29): Client review<br>Seller Comment (2024-07-24): [redacted] is obtaining. | 08/14/2024 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | CA | Primary | Purchase |  | D | C | C | C | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792624 | xx | xx | xx | xx |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2024-07-29): received final title | 07/29/2024 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Purchase |  | D | C | C | C | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792624 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]% fee violation due to an increase in the [redacted]fee(s). No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted]. a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-07-29): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2024-07-26): Please see the final CD & PCCD uploaded. The [Redacted]% Cure of $[Redacted] for recording fees was already provided on final CD at the time of closing. Thanks. | 07/29/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | C | C | C | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223792624 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax. was last disclosed as $[redacted]on the Loan Estimate, but was disclosed as $[redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted]a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-08-02): [Redacted] received COC and receipt of purchase contract.<br>Seller Comment (2024-07-31): Hello - The LOS screenshot uploaded on [Redacted] shows the request made to the borrower to "Upload the purchase contract for [Redacted] [redacted]" was initiated on [Redacted] to which the borrower provided on [Redacted]. In addition, it also shows that the review of the purchase contract that was provided on [Redacted] was not completed until [Redacted]. Better did not have the purchase contract for the subject property prior to [Redacted]. Thank you.<br>Reviewer Comment (2024-07-31): [redacted] received [redacted]'s LOS screenshot indicates that the FEMA disaster inspection and Secondary valuation for property and it does not give sufficient information for the Purchase Contract executed and the fee was added. If there was an additional reason the fee was added we will need the additional information otherwise a corrected CD, LOE, refund check, and proof of mailing is needed to cure.<br>Seller Comment (2024-07-29): Please refer to [redacted]'s LOS screenshot that shows the borrower did not upload the purchase contract for review until [Redacted]. Regardless of when the purchase contract was executed the lender could not have reviewed if it was not available until [Redacted]. Thanks.<br>Reviewer Comment (2024-07-29): [Redacted] received LOX for rebuttal response. However, The purchase agreement was available to review at the time of initial disclosure and completed on [Redacted], received and reviewing the [redacted] later is not a valid changed circumstance. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure.<br>Seller Comment (2024-07-26): LOX<br>Seller Comment (2024-07-26): Hello - Please see uploaded docs. The purchase contract for [Redacted] [Redacted], [Redacted], [Redacted] [Redacted] was received on [Redacted]. Transfer tax was updated within [Redacted] days of COC on the [Redacted] LE. Thanks.<br>Seller Comment (2024-07-26): Hello - Please see uploaded docs. The purchase contract for [Redacted] [Redacted], [Redacted], [Redacted] [Redacted] was received on [Redacted]. Transfer tax was updated within [Redacted] days of COC on the [Redacted] LE. Thanks. | 08/02/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | C | C | C | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223792624 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Loan underwritten to LPA guidelines but received lender incentive of $[redacted]which exceeded Freddie Mac limit. |  |  |  | Reviewer Comment (2024-07-19): S&D |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | D | C | C | C | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792624 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note is eSigned |  |  |  | Reviewer Comment (2024-07-29): Client to review<br>Seller Comment (2024-07-24): Loan is [redacted] underwritten. [redacted] allows for enotes. Thanks. |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CA | Primary | Purchase |  | D | C | C | C | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792624 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender credit was used for [redacted], lender credits are to only be used for closing costs |  |  |  | Reviewer Comment (2024-07-19): S&D reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CA | Primary | Purchase |  | D | C | C | C | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792624 | xx | xx | xx | xx |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2024-07-25): Received Title Final, exception cleared.<br>Seller Comment (2024-07-24): Please see final title policy uploaded. Thanks. | 07/25/2024 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | D | C | C | C | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792624 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-08-02): Sufficient Cure Provided At Closing |  | 08/02/2024 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | CA | Primary | Purchase | Final CD evidences Cure | D | C | C | C | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223792625 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D reason - Defect over [redacted] year old, Undisclosed liability, resulting in DTI of [redacted]% |  |  |  | Reviewer Comment (2024-09-04): Reason for S&D.<br>Seller Comment (2024-09-04): Hello - I see this is assigned to us. Not sure what to do here. this is the disclosed defect. Should this be reviewed by the buyer? |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Investment | Refinance - Limited Cash-out GSE |  | B | B | B | B | A | A | A | A | N/A | N/A | No |
| 223792626 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-09-10): Nothing more needed<br>Seller Comment (2024-09-03): EV2 rating - Buyer to Clear<br>Reviewer Comment (2024-09-03): EV2, nothing more needed<br>Seller Comment (2024-08-27): EV2 rating |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | ATR Risk | No |
| 223792626 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  |  |  |  |  | Reviewer Comment (2024-09-10): Buyer to review<br>Seller Comment (2024-09-05): [redacted] closed our Wholesale business unit earlier this year so I'm unable to obtain any other documentation that was completed prior to closing. I have uploaded a current VOE for [Redacted] that confirms she has been with that employer for a year now |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NY | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | ATR Risk | No |
| 223792626 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Repurchased loan due to Incorrect Variable Income Calculation - Excessive DTI - Invalid AUS: The Co-Borrower's income was calculated incorrectly as required per [redacted] Guide Section [redacted]. The loan application indicates that, at the time of loan origination, the Co-Borrower was employed by [redacted] for a month, earning an income of $[redacted]per month.<br> The subject loan was submitted to Loan Product Advisor (LPA) with a DTI of [redacted]%.<br>The Seller's income of $[redacted]was calculated using the Co-Borrower's YTD through September [redacted], [redacted]of $[redacted]divided by [redacted] months. The documentation provided does not support the Co-Borrower is consistently working [redacted]hours per week and the income is considered fluctuating hourly income. The stability of the Co-Borrower's earnings at the $[redacted]per month utilized to qualify has not been established. Freddie Mac calculated the Borrower's monthly income to be $[redacted]. The income was calculated as follows:<br> [redacted]l [redacted] - [redacted] $[redacted] +<br> L[redacted] [redacted] - [redacted] $[redacted] +<br> [redacted] [redacted] - [redacted] $[redacted] +<br> [redacted][redacted] - [redacted] + [redacted] YTD $[redacted] +<br> [redacted]W-[redacted] $[redacted] = $[redacted] divided by [redacted] months = $[redacted] monthly.<br>Using the monthly Co-Borrower's recalculated income of $[redacted], the Borrower's income of $[redacted], subject housing payment of $[redacted] and total other monthly obligations of $[redacted], the DTI increased to [redacted]% |  |  |  | Reviewer Comment (2024-08-27): S&D reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | ATR Risk | No |
| 223792626 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to DTI exceeding guideline maximum. |  |  |  | Reviewer Comment (2024-09-10): S&D reason - due to defect<br>Reviewer Comment (2024-09-03): This is due to the DTI exceeding guidelines, defect was disclosed, investor consideration required<br>Seller Comment (2024-08-27): this was disclosed as the defect for S&D reason |  |  |  | 3 | B | B | C | C | B | B | C | C | B | B |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | C | C | C | C | C | A | A | Non QM | ATR Risk | Yes |
| 223792626 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV[redacted]-B.) | Income for B[redacted] is less than the lender calculated, causing the difference in DTI. |  |  |  | Reviewer Comment (2024-09-10): S&D reason - due to defect<br>Reviewer Comment (2024-09-03): This is due to the DTI exceeding guidelines, defect was disclosed, investor consideration required<br>Seller Comment (2024-08-27): this was disclosed as the defect for S&D reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NY | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | ATR Risk | No |
| 223792626 | xx | xx | xx | xx |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | B[redacted]'s income is less than the lender qualified them with. This is causing the excessive DTI. |  |  |  | Reviewer Comment (2024-09-10): S&D reason - due to defect<br>Reviewer Comment (2024-09-03): This is due to the DTI exceeding guidelines, defect was disclosed, investor consideration required<br>Seller Comment (2024-08-27): this was disclosed as the defect for S&D reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NY | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | ATR Risk | No |
| 223792626 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan failing due to co-borrower's income. |  |  |  | Reviewer Comment (2024-09-10): S&D reason - due to defect<br>Reviewer Comment (2024-09-03): This is due to the DTI exceeding guidelines, defect was disclosed, investor consideration required<br>Seller Comment (2024-08-27): this was disclosed as the defect for S&D reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NY | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | ATR Risk | No |
| 223792627 | xx | xx | xx | xx |  |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NC | Primary | Purchase |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| 223792627 | xx | xx | xx | xx |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NC | Primary | Purchase |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| 223792627 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: N/A Delinquent EBO |  |  |  | Reviewer Comment (2024-09-06): S&D reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NC | Primary | Purchase |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| 223792627 | xx | xx | xx | xx |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. | Calculated Available for Reserves of ___ is less than AUS Available for Reserves of ___. |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NC | Primary | Purchase |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| 223792628 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Repurchase: Co-borrower was not employed at time of closing confirmed by [redacted]. DTI increased to [redacted]%, AUS ineligible. Revised FICO is [redacted]. |  |  |  | Reviewer Comment (2024-09-17): S&D reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | B | B | B | B | A | A | A | A | Non QM | Non QM | No |
| 223792629 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-10-01): Waived per client, CDA has been provided<br>Buyer Comment (2024-09-25): ok to waive<br> [redacted] to order valuation<br>Buyer Comment (2024-09-25): ok to waive<br>Seller Comment (2024-09-25): Request for [redacted] to review and consider waiving |  |  | 10/01/2024 | 3 | D | D | D | D | D | D | D | D | D | D |  | FL | Primary | Purchase |  | D | D | C | C | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792629 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2024-09-24): received loan designation<br>Seller Comment (2024-09-23): [redacted] indicates ATR/QM Pass - this is a Safe Harbor QM loan. Seller did not originate as Non-QM loan, they originated as QM loans. | 09/24/2024 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | D | C | C | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223792629 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank [redacted]): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%/[redacted]%, Credit Score: [redacted], Occupancy: Primary, Purpose: Purchase, | due to AUS missing |  |  |  | Reviewer Comment (2024-09-24): received loan designation<br>Reviewer Comment (2024-09-24): AUS provided is post-closing, please provide AUS pre-closing<br>Seller Comment (2024-09-23): AUS findings located on pages [Redacted] with Approve/Ineligible. There are are no separate Seller guidelines. | 09/24/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | D | D | C | C | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792629 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([redacted]) business days prior to closing. | Initial CD not with in x days from close |  |  |  | Reviewer Comment (2024-09-26): [Redacted] received [Redacted] Initial CD, [Redacted] business days prior to the consummation.<br>Seller Comment (2024-09-25): Initial CD<br>Seller Comment (2024-09-25): CD provided with [Redacted] date and electronically signed [Redacted] confirming receipt, and at least [redacted] business days prior to closing on [Redacted]. | 09/26/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase | No Defined Cure | D | D | C | C | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792629 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Repurchase: [redacted]bank statements unsupported assets. Collateral is eNote. |  |  |  | Reviewer Comment (2024-09-17): S&D Reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | D | D | C | C | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792629 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines are missing. |  |  |  | Reviewer Comment (2024-09-26): received AUS<br>Seller Comment (2024-09-25): AUS origination<br>Seller Comment (2024-09-25): AUS origination provided and dated [Redacted] with Approve/Eligible findings. There are not guidelines other than Agency and through [redacted].<br>Reviewer Comment (2024-09-24): AUS provided is post-closing, please provide AUS pre-closing<br>Seller Comment (2024-09-23): AUS findings located on pages [Redacted]-[Redacted]with Approve/Ineligible. There are are no separate Seller guidelines. | 09/26/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | D | D | C | C | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792629 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. |  |  |  |  | Reviewer Comment (2024-09-24): received loan designation<br>Reviewer Comment (2024-09-24): AUS provided is post-closing, please provide AUS pre-closing<br>Seller Comment (2024-09-23): AUS findings located on pages [Redacted]-[Redacted] with Approve/Ineligible. There are are no separate Seller guidelines. | 09/24/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | D | D | C | C | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792629 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note is eSigned |  |  |  | Reviewer Comment (2024-09-17): S&D Reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Purchase |  | D | D | C | C | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792629 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete QM testing due to missing investor guideline qualifying total debt ratio. | Missing guidelines, AUS provided is post closing, please provide the guidelines or the pre-closing AUS |  |  |  | Reviewer Comment (2024-09-26): Received AUS<br>Seller Comment (2024-09-25): AUS origination provided and dated [redacted] with Approve/Eligible findings. There are not guidelines other than Agency and through [redacted].<br>Seller Comment (2024-09-25): AUS at time of origination | 09/26/2024 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | FL | Primary | Purchase |  | D | D | C | C | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792629 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Not Provided | General QM: Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%/[redacted]%, Credit Score: [redacted], Occupancy: Primary, Purpose: Purchase, | Missing guidelines, AUS provided is post closing |  |  |  | Reviewer Comment (2024-09-26): Received AUS<br>Seller Comment (2024-09-25): AUS origination<br>Seller Comment (2024-09-25): AUS origination provided and dated [redacted] with Approve/Eligible findings. There are not guidelines other than Agency and through [redacted]. | 09/26/2024 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | FL | Primary | Purchase |  | D | D | C | C | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792629 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Fail, missing guidelines |  |  |  | Reviewer Comment (2024-09-26): Received AUS<br>Seller Comment (2024-09-25): Seller loan designation is not specific on bid tape and not provided, Seller uses [redacted] for their loan designation, please review and clear. | 09/26/2024 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status | D | D | C | C | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223792630 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Non-Salable: B[redacted] income overstated by $[redacted]/mo. Unable to support - true DTI [redacted]+% |  |  |  | Reviewer Comment (2024-09-17): S&D reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | ATR Risk | No |
| 223792630 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | ATR Risk | No |
| 223792630 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2024-09-24): S&D defect is DTI<br>Seller Comment (2024-09-23): S&D Reason: Non-Salable: [redacted] income overstated by $[redacted]/mo. Unable to support - true DTI [redacted]+%. Bid tape reflects [redacted]% DTI. |  |  |  | 3 | B | B | C | C | B | B | C | C | B | B |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | C | C | C | C | C | A | A | Non QM | ATR Risk | Yes |
| 223792630 | xx | xx | xx | xx |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | The calculated qualifying DTI of [redacted]% exceeds AUS DTI of [redacted]%. |  |  |  | Reviewer Comment (2024-09-24): S&D defect is DTI<br>Seller Comment (2024-09-23): S&D Reason: Non-Salable: [redacted] income overstated by $[redacted]/mo. Unable to support - true DTI [redacted]+%. Bid tape reflects [redacted]% DTI. |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NJ | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | ATR Risk | No |
| 223792630 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to qualifying income, DTI exceeds [redacted]%. |  |  |  | Reviewer Comment (2024-09-24): S&D defect is DTI<br>Seller Comment (2024-09-23): S&D Reason: Non-Salable: [redacted] income overstated by $[redacted]/mo. Unable to support - true DTI [redacted]+%. Bid tape reflects [redacted]% DTI. |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NJ | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | ATR Risk | No |
| 223792630 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV[redacted]-B.) |  |  |  |  | Reviewer Comment (2024-09-24): S&D defect is DTI<br>Seller Comment (2024-09-23): S&D Reason: Non-Salable: [redacted] income overstated by $[redacted]/mo. Unable to support - true DTI [redacted]+%. Bid tape reflects [redacted]% DTI. |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NJ | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | ATR Risk | No |
| 223792631 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2024-09-24): Received Approval, exception cleared.<br>Seller Comment (2024-09-23): Conditional loan approval and Clear to Cloase approval in file - pages [redacted]-[redacted] | 09/24/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | ATR Risk | No |
| 223792631 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Non-Salable: [redacted]REO payments excluded without any support, listed for sale post close and not sold, DTI > [redacted]%. |  |  |  | Reviewer Comment (2024-09-17): S&D reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | ATR Risk | No |
| 223792631 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan does not meet the Non QM Loan Designation due to the lender excluded [redacted]REO properties as pending sale without the required documentation to verify the pending sale per the AUS. |  |  |  | Reviewer Comment (2024-09-17): S&D Reason |  |  |  | 3 | B | B | C | C | B | B | C | C | B | B |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | C | C | C | C | C | A | A | Non QM | ATR Risk | Yes |
| 223792631 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EVx-B.) | The loan does not meet the DTI requirement due to the lender excluded [redacted]REO properties as pending sale without the required documentation to verify the pending sale per the AUS. |  |  |  | Reviewer Comment (2024-09-17): S&D Reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NY | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | ATR Risk | No |
| 223792631 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-09-13): Sufficient Cure Provided At Closing |  | 09/13/2024 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NY | Primary | Purchase | Final CD evidences Cure | C | C | C | C | C | C | A | A | Non QM | ATR Risk | Yes |
| 223792631 | xx | xx | xx | xx |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | The loan does not meet the DTI requirement due to the lender excluded [redacted]REO properties as pending sale without the required documentation to verify the pending sale per the AUS. |  |  |  | Reviewer Comment (2024-09-17): S&D Reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NY | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | ATR Risk | No |
| 223792631 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within [redacted]business days of the Note. |  | The verification of employment is dated [redacted], which is not within [redacted]days of the note date. |  |  |  | Reviewer Comment (2024-09-24): Received The verification of employment dated [redacted], which is within [redacted] days of the note date, exception cleared.<br>Seller Comment (2024-09-23): The verification of employment is dated [redacted] and within [redacted] days of Note date of [redacted] - page [redacted]. | 09/24/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | ATR Risk | No |
| 223792631 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan does not meet the ATR requirements due to the lender excluded [redacted]REO properties as pending sale without the required documentation to verify the pending sale per the AUS. |  |  |  | Reviewer Comment (2024-09-17): S&D Reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NY | Primary | Purchase |  | C | C | C | C | C | C | A | A | Non QM | ATR Risk | No |
| 223792632 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Missing appraisal - The appraisal report was not included with the loan file. Only a Completion Certificate was provided. the appraisal report was not available and could not be provided. |  |  |  | Reviewer Comment (2024-09-23): S&D reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CO | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 223792632 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___<br> Disaster Declaration Date: ___<br> Disaster End Date: ___ |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CO | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 223792632 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial [redacted] |  |  |  |  |  |  |  |  |  | 1 | B | B | B | B | B | B | B | B | B | B |  | CO | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 223792632 | xx | xx | xx | xx |  |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | CO | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 223792632 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CO | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 223792632 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted]days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted]days of the loan application date. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CO | Primary | Purchase |  | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 223792632 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted]([redacted]) business days of application. | Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted]([redacted]) business days of application. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CO | Primary | Purchase | No Defined Cure | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 223792632 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Designation mismatch |  |  |  |  |  |  |  | 3 | B | B | C | C | B | B | C | C | B | B |  | CO | Primary | Purchase | Lender to provide updated ATR/QM status | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | Non QM | Yes |
| 223792632 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees | Qualified Mortgage (Dodd Frank [redacted]): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). | Excessive points and fees on QM loan |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CO | Primary | Purchase | If a creditor or assignee determines after consummation that the total points and fees exceeds the QM Points and Fees limit, but the loan meets the other requirements to be a QM, the QM Points and Fees exception can be cured through a refund including interest at the contract rate from consummation to the date of cure, with the following conditions:<br> 1) Refund is made within 210 days of consummation;<br> 2) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;<br> 3) The loan is not 60 days delinquent;<br> 4) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and<br> 5) The loan was closed on or before January 10, 2021;<br>Documents Required to Cure<br> 1) Letter of Explanation<br> 2) Copy of Refund Check (in the amount of overage plus interest)<br> 3) Proof of Delivery<br> 4) Lender/Seller Attestation indicating:<br> a) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;<br> b) The loan is not 60 days delinquent; and<br> c) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer | D | D | D | D | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | Non QM | Yes |
| 223792633 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | TX | Second Home | Purchase |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792633 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | Title - Recording Service Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223792633 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223792633 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Program Eligibility - DTI: A new installment loan was obtained from [redacted][redacted] with a payment of $[redacted]per month. According to the credit report, an inquiry was made with WFDS on [redacted] which was not addressed. Including the additional liability, the accurate DTI at closing was [redacted]%. The LP is invalidated and outside tolerance. |  |  |  | Reviewer Comment (2024-09-26): S&D Defect |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Second Home | Purchase |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792634 | xx | xx | xx | xx |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | TX | Primary | Refinance - Cash-out - Other |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792634 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | TX | Primary | Refinance - Cash-out - Other |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792634 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted]([redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted]([redacted]) business days prior to closing. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other | No Defined Cure | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792634 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - There was an outstanding subordinate partial claim mortgage/lien in the name of Department of Housing and Urban Development that was not satisfied |  |  |  | Reviewer Comment (2024-09-27): S&D Defect |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792634 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Lien(s) negatively impacting title |  | Loan file contains partial claim mortgage dated [redacted] for $[redacted]; CD does not show this as being paid off - unable to determine lien position |  |  |  | Reviewer Comment (2024-09-27): S&D defect |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | TX | Primary | Refinance - Cash-out - Other |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792635 | xx | xx | xx | xx |  |  | Property | Collateral | General | Appraisal Reconciliation | Subject is not in average or better condition. | - Property Condition:<br> ___ |  |  |  |  | Reviewer Comment (2024-09-29): S&D reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | MO | Primary | Purchase |  | C | C | C | C | B | B | C | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792635 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage of $[redacted]-does not meet equal greater of [redacted]% cost new ($[redacted]) or loan amount $[redacted]. Please also confirm total policy premium amount as final CD confirms annual amount of $[redacted]and policy provided shows $[redacted] |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | MO | Primary | Purchase |  | C | C | C | C | B | B | C | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792635 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Program Eligiblity - Appraisal Issue: Appraisal/Comparable Sale Physical Features Inaccurate - Condition Quality of Construction - The appraiser reported C[Redacted] condition when evidence obtained from the sale's MLS listing and photographs indicated C[Redacted] condition. Inadequate Comparable Adjustment - Guidelines state the adjustments must reflect the market's reaction to the difference in the properties. The appraiser made a $[Redacted] and $[Redacted] adjustment for smaller acreage sites to sales [Redacted] and [Redacted]. Use of Dissimilar Comparable to Site Characteristics - The property included a pond while comparable two included a [Redacted]-acre lake described as a fishing destination and has a large concrete dock. Use of Dissimilar Comparable Sale- Condition/Quality Construction and Age - The subject was a wood and vinyl colonial. Sale two was rated higher in quality and was an all-brick home with higher quality interior and exterior features. The subject was [Redacted] years old while sale two was [Redacted] years old. |  |  |  | Reviewer Comment (2024-09-29): S&D Defect |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MO | Primary | Purchase |  | C | C | C | C | B | B | C | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792635 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (x-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank xxxx): Borrower waived right to receive a copy of the appraisal at least [redacted] ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MO | Primary | Purchase |  | C | C | C | C | B | B | C | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792635 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property is rural with [Redacted] acres with several barns and buildings along with a fully stocked pond. The owner receives a $[Redacted] per quarter in rent for pasture (for livestock). Investor consideration required |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | MO | Primary | Purchase |  | C | C | C | C | B | B | C | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792636 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Refinance - Cash-out - Other |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792636 | xx | xx | xx | xx |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Primary | Refinance - Cash-out - Other |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792636 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Program Eligibility- Cash Out Refinance Seasoning: The first lien mortgage being refinanced must be seasoned for at least [Redacted] months. Unable to cure findings, [redacted] Mortgage was opened [redacted] [Redacted] per the credit report provided and was not [Redacted] months old at closing. |  |  |  | Reviewer Comment (2024-09-24): S&D Defect |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Refinance - Cash-out - Other |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792636 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Primary | Refinance - Cash-out - Other |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792636 | xx | xx | xx | xx |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | [Redacted] mos < [Redacted] mos required - Prior loan dated [Redacted] |  |  |  | Reviewer Comment (2024-09-24): S&D reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Primary | Refinance - Cash-out - Other |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792637 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [Redacted] |  |  |  |  |  | Reviewer Comment (2024-09-25): Received Final 1003, exception cleared.<br>Seller Comment (2024-09-24): Final 1003 | 09/25/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| 223792637 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - eNote - Unable to allocate due to not obtaining the [Redacted] cert prior to close on a Community Access[Redacted]. [Redacted] [redacted] under our [Redacted] delivery is not an option since this is a Community Access Product, unfortunately. |  |  |  | Reviewer Comment (2024-09-20): S&D defect |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| 223792637 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note is eSigned |  |  |  | Reviewer Comment (2024-09-20): S&D defect |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | TX | Primary | Purchase |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| 223792637 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing proof of homeownership education course completed as required by DU (#[Redacted]) |  |  |  | Reviewer Comment (2024-09-20): S&D reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | TX | Primary | Purchase |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| 223792639 | xx | xx | xx | xx |  |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | Reviewer Comment (2024-09-25): Received 1004, exception cleared.<br>Seller Comment (2024-09-24): Completion Report<br>Seller Comment (2024-09-24): Appraisal | 09/25/2024 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | VA | Primary | Purchase |  | D | B | D | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792639 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2024-09-28): Received appraisal which was completed post disaster, Exception cleared.<br>Seller Comment (2024-09-24): Appraisal was completed post disaster | 09/28/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Purchase |  | D | B | D | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792639 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-09-25): Received 1004, exception cleared.<br>Seller Comment (2024-09-24): see other uploads for report | 09/25/2024 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | VA | Primary | Purchase |  | D | B | D | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792639 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-09-19): Sufficient Cure Provided At Closing |  | 09/19/2024 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | VA | Primary | Purchase | Final CD evidences Cure | D | B | D | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223792639 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Repurchased loan due to Appraisal Requirements not being met: The appraisal included in the subject loan file is insufficient:<br> The appraisal noted that the main roof has several missing shingles and water damage. Based on photos, it appears the missing shingles are above the main living area and attached garage. Photos of the attached garage ceiling reflect significant water damage/deterioration. Appraiser could not determine if the water damage was from current leaks. Based on the missing shingles, extensive water damage/deterioration and current status of water leak being unknown, the report should of been issued "subject to" a roof inspection. FC Referral [Redacted] Borrower Paid Total Amount Due IAO $[Redacted] to bring loan current \*\*Credit Score will be impacted by mortgage payment history\*\* |  |  |  | Reviewer Comment (2024-09-23): S&D Defect |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | VA | Primary | Purchase |  | D | B | D | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792640 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2024-09-19): Sufficient Cure Provided At Closing |  | 09/19/2024 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | WA | Primary | Purchase | Final CD evidences Cure | C | C | C | C | A | A | A | A | Non QM | Non QM | Yes |
| 223792640 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - eNote - Repurchased loan due to Delinquency / Recourse Agreement - Guidelines not met: The Borrower has not established an acceptable credit reputation. For Manually Underwritten Mortgages, the Seller's evaluation of the Borrower's credit reputation must be based on the entire credit history documented in the Mortgage file. In addition, when using FICO scores with at least two reason codes related to nonpayment of obligations, the Seller must presume the derogatory information is significant and the Seller must document the extenuating circumstances or conclude that the difficulties were due to financial mismanagement.<br>The delinquent payments to the two mortgages with [redacted]/[redacted] and the delinquent payments to the [redacted] Credit account all occurred within [Redacted] years of the subject Note Date and the loan file did not document an extenuating circumstance for the delinquencies. LOE indicates they relocated and rented home with [redacted] out in [Redacted]. By [Redacted] renters not making payments. Borrower moved back into home [Redacted]. Due to renters not making payments borrower ended up doing voluntary repo on truck and trailer and started loan mod with [redacted] but loan was sold to [redacted] during that process. Loss Mit Workout Review [Redacted]; Denied for Loss Mit [Redacted]; Forbearance [Redacted] - [Redacted]; FC Referral [Redacted]. Loss Mit Workout Review [Redacted] - Borrower paid TAD to bring loan current \*\*Credit Score will be impacted by mortgage payment history\*\* |  |  |  | Reviewer Comment (2024-09-23): S&D defect |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | WA | Primary | Purchase |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| 223792640 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note is eSigned |  |  |  | Reviewer Comment (2024-10-02): S&D Defect<br>Seller Comment (2024-09-24): disclosed - will be converted at time of collateral shipment |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | WA | Primary | Purchase |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| 223792641 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-09-24): Sufficient Cure Provided At Closing |  | 09/24/2024 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Purchase | Final CD evidences Cure | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Fail | Yes |
| 223792641 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - This was originated as a [redacted] mortgage, but didn't qualify and is therefore ineligible for delivery. |  |  |  | Reviewer Comment (2024-09-30): S&D reason |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NC | Primary | Purchase |  | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223792641 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank xxxx): Creditor did not provide a copy of each valuation to applicant [redacted] ([Redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NC | Primary | Purchase |  | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223792641 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NC | Primary | Purchase |  | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223792641 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank xxxx): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | The loan designation is [redacted] QM(APOR) |  |  |  | Reviewer Comment (2024-10-10): Waterfall exception buyer to review for waiver or re-designation<br>Seller Comment (2024-10-09): [redacted] indicates okay to waive, requesting waiver. |  |  |  | 3 | B | B | C | C | B | B | C | C | B | B |  | NC | Primary | Purchase | Lender to provide updated ATR/QM status | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Fail | Yes |
| 223792641 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank xxxx): Creditor did not provide a copy of revised valuation to applicant [redacted] ([Redacted]) business days prior to consummation. | Appraisal provided [Redacted] |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NC | Primary | Purchase |  | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223792641 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule [redacted] | General QM: Unable to verify current [redacted] status using reasonably reliable third-party records. | Nothing to verify Schedule [redacted] business was active at the time of closing. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NC | Primary | Purchase |  | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223792641 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing third party verification of employment for Schedule [redacted] business. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NC | Primary | Purchase |  | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223792641 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing business tax return extension for [Redacted] business, and third party verification of employment for Schedule [redacted] business. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NC | Primary | Purchase |  | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223792641 | xx | xx | xx | xx |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Business return for [Redacted] was not in file and no extension is in the file. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NC | Primary | Purchase |  | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223792641 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Business return for [Redacted] was not in file and no extension is in the file. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NC | Primary | Purchase |  | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223792641 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Business return for [Redacted] was not in file and no extension is in the file. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NC | Primary | Purchase |  | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223792641 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Aggregator | Reviewer Comment (2024-11-04): PDI no damage, prior to end date<br>Reviewer Comment (2024-11-04): xxx<br>Reviewer Comment (2024-11-02): Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted]<br>Seller Comment (2024-10-30): PDI report - no damage<br>Reviewer Comment (2024-10-10): Buyer to review<br>Seller Comment (2024-10-09): Disaster occurred after loan origination, Seller would not have been required to obtain valuation inspection. [redacted] to advise on process and if inspection report is required to proceed. |  |  | 11/04/2024 | 2 | C | B | C | B | C | B | C | B | C | B |  | NC | Primary | Purchase |  | C | C | C | C | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223792642 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - COLLATERAL: Freddie Mac's requirements for a Desktop Appraisal (found in Guide Section [Redacted] and[Redacted]) were not met. |  |  |  | Reviewer Comment (2024-09-30): S&D Defect |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792642 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Letter from employer that specifies the terms of employment, was not provided. |  |  |  | Reviewer Comment (2024-10-17): Received Employer Letter, exception cleared.<br>Seller Comment (2024-10-16): Offer letter for [redacted]<br>Seller Comment (2024-10-16): Offer letter for [redacted] from email attached. VVOE (page [redacted]) confirms start date of [redacted] with email from employer, [redacted] (page [redacted]) verifying start date of [redacted]. The offer letter confirms position and compensation.<br>Reviewer Comment (2024-10-10): Letter in file is for [redacted], missing letter for [redacted]<br>Seller Comment (2024-10-09): Employment letter in file specifies position, start date and base salary and identifies the employer and borrower as employee (page [redacted]). | 10/17/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792642 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank xxxx): Creditor did not provide a copy of each valuation to applicant [redacted] ([Redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792642 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Lease was provided, however it was not signed by the borrower (landlord) or the tenants. |  |  |  | Reviewer Comment (2024-10-29): Received<br>Seller Comment (2024-10-29): Copy of executed lease agreement.<br>Seller Comment (2024-10-29): Copy of signed leased provided - it's signed by both the tenant and landlord via e-signatures, but is post-closing signed and dated. There is not a copy of the lease signed at time of origination. | 10/29/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792642 | xx | xx | xx | xx |  |  | Compliance | Compliance | General | Compliance | Income documentation did not meet the requirements of the Seller Indicated VSH Guideline. VSH cannot be validated. | Seller Indicated VSH Guideline: ___ | Employer letter for projected income was not received. |  |  |  | Reviewer Comment (2024-11-02): Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] |  |  | 11/02/2024 | 1 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Purchase |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792642 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this [redacted] transaction of at least [redacted] and [redacted]<br>The representative [redacted] score is above [redacted]<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator | Reviewer Comment (2024-11-02): Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted]<br>Seller Comment (2024-10-30): PDI<br>Seller Comment (2024-10-30): PDI provided - no damage<br>Reviewer Comment (2024-10-29): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Disaster Name: HURRICANE [redacted]<br> Disaster Declaration Date: [redacted]<br>Reviewer Comment (2024-10-10): Buyer review<br>Seller Comment (2024-10-09): Disaster occurred after loan origination, Seller would not have been required to obtain valuation inspection. [redacted] to advise on process and if inspection report is required to proceed. |  |  | 11/02/2024 | 2 | C | B | C | B | C | B | C | B | C | B |  | FL | Primary | Purchase |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792642 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 |  | C |  | C |  | C |  | C |  | C |  | FL | Primary | Purchase |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792652 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Collateral: Property condition of C[Redacted], which is not allowed per Freddie Guidelines. Therefore this homepossible loan is ineligible for delivery. |  |  |  | Reviewer Comment (2024-09-30): S&D Defect |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | ME | Primary | Purchase |  | C | C | B | B | A | A | C | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792652 | xx | xx | xx | xx |  |  | Property | Collateral | General | Appraisal Reconciliation | Subject is not in average or better condition. | - Property Condition:<br> ___ | Properties with C[Redacted] conditions are not eligible per [redacted] Guidelines. |  |  |  | Reviewer Comment (2024-09-30): S&D defect |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | ME | Primary | Purchase |  | C | C | B | B | A | A | C | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792653 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___<br> Disaster Declaration Date: ___<br> Disaster End Date: ___ | The subject property is in a disaster area. The file was missing a property inspection dated after the disaster or the lender's rep and warranty attestation along with visible confirmation that the subject property was not damaged. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NJ | Primary | Refinance - Limited Cash-out GSE |  | C | C | C | C | C | C | A | A | Non QM | ATR Fail | No |
| 223792653 | xx | xx | xx | xx |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NJ | Primary | Refinance - Limited Cash-out GSE |  | C | C | C | C | C | C | A | A | Non QM | ATR Fail | No |
| 223792653 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Refinance - Limited Cash-out GSE |  | C | C | C | C | C | C | A | A | Non QM | ATR Fail | No |
| 223792653 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Defect - There was an outstanding subordinate partial claim mortgage/lien in the name of Department of Housing and Urban Development that was not satisfied. |  |  |  | Reviewer Comment (2024-10-21): S&D Defect |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Refinance - Limited Cash-out GSE |  | C | C | C | C | C | C | A | A | Non QM | ATR Fail | No |
| 223792653 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title reflects mortgage of $[Redacted]; actual mortgage is $[Redacted] |  |  |  | Reviewer Comment (2024-10-22): received correct final title policy | 10/22/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Refinance - Limited Cash-out GSE |  | C | C | C | C | C | C | A | A | Non QM | ATR Fail | No |
| 223792653 | xx | xx | xx | xx |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Combined High loan to value discrepancy. | Calculated high loan to value percentage of ___ exceeds AUS high loan to value percentage of ___ | Title shows lien to HUD for $[Redacted] that is not paid off on CD |  |  |  | Reviewer Comment (2024-10-29): S&D |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NJ | Primary | Refinance - Limited Cash-out GSE |  | C | C | C | C | C | C | A | A | Non QM | ATR Fail | No |
| 223792653 | xx | xx | xx | xx |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds AUS combined loan to value percentage of ___. | Title shows lien to HUD for $[Redacted] that is not paid off on CD |  |  |  | Reviewer Comment (2024-10-29): S&D |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NJ | Primary | Refinance - Limited Cash-out GSE |  | C | C | C | C | C | C | A | A | Non QM | ATR Fail | No |
| 223792653 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank xxxx): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing payment for second lien |  |  |  |  |  |  |  | 3 | B | B | C | C | B | B | C | C | B | B |  | NJ | Primary | Refinance - Limited Cash-out GSE | Lender to provide updated ATR/QM status | C | C | C | C | C | C | A | A | Non QM | ATR Fail | Yes |
| 223792653 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Simultaneous Loan | Ability to Repay (Dodd-Frank xxxx): Simultaneous loan payment was not considered in loan qualification. | Missing payment for second lien |  |  |  | Reviewer Comment (2024-10-29): S&D |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NJ | Primary | Refinance - Limited Cash-out GSE |  | C | C | C | C | C | C | A | A | Non QM | ATR Fail | No |
| 223792653 | xx | xx | xx | xx |  |  | Credit | Note | Document Error | Note | Missing Documentation: Complete non-subject financing information was not found in file. | - Non-subject loan terms = Loan Amount: ___; Concurrent or Existing Lien: ___; Current P&I: ___; Current Balance: ___ | Missing note, unable to determine payment amount |  |  |  | Reviewer Comment (2024-10-29): S&D |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NJ | Primary | Refinance - Limited Cash-out GSE |  | C | C | C | C | C | C | A | A | Non QM | ATR Fail | No |
| 223792657 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: CAPACITY<br> The stability of the Borrower's income was not established.<br> The loan was submitted to Loan Product Advisor (LPA) with total income of $[Redacted] and total monthly debts of<br> $[Redacted]. The Borrower was qualified using a combination of Commission income of $[Redacted], $[Redacted] in income<br> derived from secondary Self-employment and, $[Redacted] in Rental income.<br> The[Redacted] Commission income was $[Redacted] and the year-to-date [Redacted] was $[Redacted]. Pursuant to<br> Sections [Redacted] and [Redacted] of the Freddie Mac Seller/Servicer Guide, 'if the decline between the prior year(s)<br> and/or YTD earnings exceeds [Redacted]%, the Seller must conduct further analysis and additional documentation may<br> be necessary to determine whether the income is currently stable. This analysis must include the reason for the<br> declining trend, and support that the current income has stabilized. Requested the Seller's income analysis<br> providing the reason for the declining trend with additional documentation to support that the current income<br> has stabilized.' A request for this documentation was made on [Redacted]; however, no additional information was<br> provided. Based on our analysis, the Borrower's ability to maintain a consistent level of Commission income<br> was not established as required.<br> Although the loan application indicated the Borrower has <[Redacted]% ownership in a consulting business located in<br> [redacted], [redacted], the Schedule K-[Redacted] reflects the Borrower owns [Redacted]% of the business. The loan review file does not<br> contain documentation to evidence the business is open and operating dated within [Redacted] days before Note date. A<br> request for this documentation was made on [Redacted]; however, no additional information was provided.<br> (Reference Seller/Servicer Bulletin[Redacted] [Redacted] Temporary Requirements).<br> Last, the rental income derived from [Redacted][redacted] [Redacted]th Street was not properly documented using a lease along<br> with Form [Redacted] or [Redacted] supporting the income reflected on the lease; or documentation evidencing the receipt of<br> [redacted] months of rental income was not provided. A request for the documentation was made on [Redacted] to<br> support the rental income; however, no additional information was provided. (Reference Section [Redacted] (a) (iii)<br> of the Freddie Mac Seller/Servicer Guide).<br> CAPACITY<br> The Borrowers' capacity to repay the subject mortgage and all other monthly obligations was not established.<br> The Borrowers' total monthly debt was miscalculated. The following [redacted] liabilities were omitted from the [Redacted]-<br> income ratio calculation:<br> -[Redacted] Financial Auto Lease #[Redacted] ($[Redacted])<br> - seller mortgage #[Redacted] ($[Redacted])<br> The loan file included 'business' bank transaction history verifying only [Redacted]) months payments to [Redacted]Financial<br> Lease #[Redacted] ($[Redacted]) vs. the required [Redacted]-months. (Reference Section[Redacted] (b)(i) of the [Redacted]<br> Seller/Servicer Guide)<br> The seller mortgage was secured by a property that was reportedly converted into a rental property.<br> However, a lease along with Form [Redacted] or [Redacted] supporting the income reflected on the lease; or documentation<br> evidencing the receipt of [redacted] months of rental income was not provided. A request for the documentation was<br> made on [Redacted]to support the rental income; however, no additional information was provided. (Reference<br> Section[Redacted] (a) (iii) of the Freddie Mac Seller/Servicer Guide).<br> When including these debts, the DTI increases to [Redacted]% (as developed at origination), which exceeds the Loan<br> Product Advisor (LPA) DTI of [Redacted]% by more than the allowable tolerance. As a result, the LPA Feedback<br> has been invalidated.<br> The subject loan is not acceptable as a manually underwritten mortgage because the DTI of [Redacted]% exceeds the<br> maximum allowable DTI for a manually underwritten mortgage.<br> The subject loan is ineligible for sale to Freddie Mac. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| 223792657 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2024-11-08): Received Property Inspection Report, Exception cleared. | 11/08/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| 223792657 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [Redacted] business days of the Note. |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Purchase |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| 223792657 | xx | xx | xx | xx |  |  | Credit | Income | Income Eligibility | Income | Borrower has un-audited YTD P&L and does not have [Redacted] months business Account statements. (GSE [Redacted]) |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Purchase |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| 223792658 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | S & D Reason: [redacted] has notified us that they will not purchase a loan that has a NSF on the pay history, regardless of whether the payment is due or not. Borrowers [redacted] payment was posted [Redacted], and reversed [Redacted] for NSF. The NSF was confirmed with [redacted] [Redacted]<br> Program: [redacted] |  |  |  | Reviewer Comment (2024-10-22): S&D defect |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NC | Primary | Purchase |  | C | C | C | C | C | B | A | A | Non QM | Non QM | No |
| 223792658 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank xxxx): Creditor did not provide a copy of each valuation to applicant [redacted] ([Redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NC | Primary | Purchase |  | C | C | C | C | C | B | A | A | Non QM | Non QM | No |
| 223792658 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | NC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | C | C | C | C | B | A | A | Non QM | Non QM | Yes |
| 223792658 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on[Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | NC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | C | C | C | C | B | A | A | Non QM | Non QM | Yes |
| 223792658 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank xxxx): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2024-10-29): Due to waive and downgrade of DTI per client | 10/29/2024 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | C | C | C | C | B | A | A | Non QM | Non QM | Yes |
| 223792658 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank xxxx): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)([Redacted]) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  | Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least[redacted] and [redacted]<br>The Loan to Value (LTV) on the loan is less than or equal to [redacted]%. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-10-29): Waive and downgrade per client email[redacted] |  |  | 10/29/2024 | 2 | C | B | C | B | C | B | C | B | C | B |  | NC | Primary | Purchase |  | C | C | C | C | C | B | A | A | Non QM | Non QM | No |
| 223792658 | xx | xx | xx | xx |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | The calculated DTI of [Redacted]% exceeds the AUS DTI of [Redacted]%. The loan was submitted with a debt paid at closing. However, the debt is not reflected on the final closing disclosure as paid through loan proceeds. | Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least[redacted] and [redacted]<br>The Loan to Value (LTV) on the loan is less than or equal to [redacted]%. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-10-29): Waive and downgrade per client email [redacted] |  |  | 10/29/2024 | 2 | C | B | C | B | C | B | C | B | C | B |  | NC | Primary | Purchase |  | C | C | C | C | C | B | A | A | Non QM | Non QM | No |
| 223792658 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank xxxx): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to excessive DTI. The loan was submitted with a debt being paid at closing. However, the final closing disclosure does not reflected the omitted debt being paid at closing. |  |  |  | Reviewer Comment (2024-10-29): Due to waiver of DTI by client | 10/29/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Primary | Purchase |  | C | C | C | C | C | B | A | A | Non QM | Non QM | No |
| 223792659 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] |  | The File was Missing the Secondary Valuation required for Securitization purposes. |  |  |  | Reviewer Comment (2024-11-08): Received [redacted], Exception cleared. | 11/08/2024 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | NC | Primary | Purchase |  | D | B | C | B | A | A | D | A | Non QM | Non QM | No |
| 223792659 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Funding Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance exceeded for Funding Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2024-10-17): Sufficient Cure Provided At Closing |  | 10/17/2024 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Purchase | Final CD evidences Cure | D | B | C | B | A | A | D | A | Non QM | Non QM | Yes |
| 223792659 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2024-10-17): Sufficient Cure Provided At Closing |  | 10/17/2024 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Purchase | Final CD evidences Cure | D | B | C | B | A | A | D | A | Non QM | Non QM | Yes |
| 223792659 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2024-10-17): Sufficient Cure Provided At Closing |  | 10/17/2024 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Purchase | Final CD evidences Cure | D | B | C | B | A | A | D | A | Non QM | Non QM | Yes |
| 223792659 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: Red flags concerning the co-borrower's employment/income were not addressed and resolved.<br> - Letter from employer states his start date as [Redacted] and the sales contract date is [Redacted]<br> - Income earned went from $[Redacted] to $[Redacted] annually<br> - Co-borrower went from mechanic to a manager and there is no history of management experience<br> - Letter from employer states his start date was [Redacted] but the paystub dated [Redacted]-[Redacted] shows his new salary income<br> - Letter states the co-borrower was a mechanic manager from [Redacted]- [Redacted] and his Schedule [redacted] states mechanic at $[Redacted]<br> - His history of income was $[Redacted] in [Redacted]and $[Redacted] in [Redacted]. His new salary is $[Redacted]<br> - Red flags concerning the borrower and co-borrower have been self-employed/employed for [redacted] years ([Redacted])<br> - The borrower and co-borrowers social security cards were not obtained until [Redacted]<br> - The driver's license for the borrower and co-borrower were issues [Redacted]<br> - Employment Authorization cards for the borrower and co-borrower were obtained [Redacted]<br> - Credit history did not start until [Redacted]<br> - Address history did not start until [Redacted]<br> - The borrower and co-borrower's [Redacted]tax returns were not filed until [Redacted] which is after this loan application was taken. They both filed Schedule [redacted]<br> - Employment letter from the co-borrower states his start date was [Redacted] but he files Schedule [redacted] as a mechanic for [Redacted]and [Redacted]<br> Per the investor: QC audit report has come back [Redacted] times now as a significant rating and as what is being sent in is not clearing what is being requested. This was escalated to upper management to review and they agreed that due to the age and the allowable [Redacted] submissions for QC still not clearing, this file will be cancelled. <br> Program: [redacted] Housing, Home Advantage Program<br> Investor [redacted] |  |  |  | Reviewer Comment (2024-10-24): S&D Defect |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NC | Primary | Purchase |  | D | B | C | B | A | A | D | A | Non QM | Non QM | No |
| 223792659 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Aggregator | Reviewer Comment (2024-11-13): No damage |  |  | 11/13/2024 | 2 | C | B | C | B | C | B | C | B | C | B |  | NC | Primary | Purchase |  | D | B | C | B | A | A | D | A | Non QM | Non QM | No |
| 223792660 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: ADVERSE FINDINGS:<br> Deficiencies were identified through your Quality Control process and reported to Freddie Mac.<br> DOCUMENTATION:<br> The mortgage file lacked the following:<br> Document the terms of the [redacted] monthly obligation and provide a [Redacted]-month rating. The divorce decree<br> stated the Borrower was awarded the [redacted].<br> The AUS has been invalidated and the loan does not qualify for a manual underwrite. |  |  |  | Reviewer Comment (2024-10-24): S&D Defect |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | WV | Primary | Purchase |  | C | C | C | C | C | B | A | A | Non QM | Non QM | No |
| 223792660 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Defect | West Virginia Residential Mortgage Lender, Broker, and Servicer Act (Borrower Not Charged for Actual Amounts of Third Party Fees) | [redacted] Residential Mortgage Lender, Broker and Servicer Act: No evidence in file to support that the borrower was charged the actual amounts for all third party fees. |  |  |  |  | Reviewer Comment (2024-11-14): Provide invoices for fees for the[redacted] fees being charged to borrower<br>Seller Comment (2024-11-13): Not sure what is being asked here. Please have investor review. |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | WV | Primary | Purchase |  | C | C | C | C | C | B | A | A | Non QM | Non QM | No |
| 223792660 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | File is missing the AUS/LP dated prior to closing. |  |  |  | Reviewer Comment (2024-11-13): Received | 11/13/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WV | Primary | Purchase |  | C | C | C | C | C | B | A | A | Non QM | Non QM | No |
| 223792660 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (x-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank xxxx): Borrower waived right to receive a copy of the appraisal at least [redacted] ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | WV | Primary | Purchase |  | C | C | C | C | C | B | A | A | Non QM | Non QM | No |
| 223792660 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank xxxx): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | File is missing the AUS/LP dated prior to closing. |  |  |  | Reviewer Comment (2024-11-13): Received AUS<br>Seller Comment (2024-11-06): [redacted] dated prior to closing | 11/13/2024 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | WV | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | C | C | C | C | B | A | A | Non QM | Non QM | Yes |
| 223792660 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | File is missing the AUS/LP dated prior to closing. |  |  |  | Reviewer Comment (2024-11-13): Received AUS | 11/13/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WV | Primary | Purchase |  | C | C | C | C | C | B | A | A | Non QM | Non QM | No |
| 223792660 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank xxxx): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [Redacted]%, LTV/CLTV: [Redacted]%/[Redacted]%, Credit Score: [Redacted], Occupancy: Primary, Purpose: Purchase, | File is missing the AUS/LP dated prior to closing. Therefore, unable to determine the ATR. |  |  |  | Reviewer Comment (2024-11-13): Received[redacted]<br>Seller Comment (2024-11-06): [redacted] cert | 11/13/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WV | Primary | Purchase |  | C | C | C | C | C | B | A | A | Non QM | Non QM | No |
| 223792660 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing debts related to [redacted] as noted in the divorce decree |  |  |  | Reviewer Comment (2024-10-24): S&D Defect |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | WV | Primary | Purchase |  | C | C | C | C | C | B | A | A | Non QM | Non QM | No |
| 223792661 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-14): received[redacted] | 11/14/2024 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | OH | Primary | Refinance - Cash-out - Other |  | D | C | C | C | B | B | D | C | Non QM | Non QM | No |
| 223792661 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. |  |  |  | Reviewer Comment (2024-11-08): Received Property Inspection Report, Exception cleared. | 11/08/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OH | Primary | Refinance - Cash-out - Other |  | D | C | C | C | B | B | D | C | Non QM | Non QM | No |
| 223792661 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] ([Redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted] ([Redacted]) business days prior to closing. (Initial/[Redacted]) |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Primary | Refinance - Cash-out - Other | No Defined Cure | D | C | C | C | B | B | D | C | Non QM | Non QM | No |
| 223792661 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Valid COC is not available for Title - Endorsement Fee. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | C | C | C | B | B | D | C | Non QM | Non QM | Yes |
| 223792661 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: Deficiencies were identified through your Quality Control process and reported to Freddie Mac.<br> The Lender advised Freddie Mac that a quality control review of the subject loan discovered the following<br> deficiencies:<br> "The subject property includes [Redacted] cabins. The appraisal description includes [Redacted] Additional Dwelling Unit (ADU)<br> but the property detail report states [Redacted] cabins. The photographs show that both cabins need to be considered as<br> separate ADU's as they fulfill the [Redacted] criteria stated under Freddie Mac Selling guide. Properties with [Redacted] or more<br> ADU''s are ineligible transactions. Also, income from [redacted] was used to qualify using a [Redacted]<br> which confirms the account is an IRA. IRA distributions used as income require evidence of [Redacted] year continuance<br> which was not documented."<br> Freddie Mac has reviewed the loan file and agrees with your findings.<br> Based on a full review of the entire loan file and your self-reported findings, the following deficiencies have<br> been noted:<br> COLLATERAL<br> Freddie Mac has determined that the subject property is ineligible.<br> An ADU is an additional living area that:<br> - Includes a kitchen<br> - Includes a bathroom<br> - Includes a separate entrance<br> - Is independent of the primary dwelling unit<br> - Is subordinate in living area, and<br> - Contributes less to the value of the property than the primary dwelling unit<br> The appraisal reflects that the subject property contains two cabins that meet all of the above criteria, and are<br> considered ADU's. Guide section [Redacted](a) states that a property with two or more ADU's is ineligible for sale<br> to Freddie Mac.<br> DOCUMENTATION<br> The mortgage file lacked the following required documentation:<br> \* Proof of continuance of the Borrower's [redacted] IRA distribution for a minimum of [Redacted] months<br> The Borrower was qualified using retirement income of $[Redacted] per month. To document the income the Lender<br> provided a [Redacted]-R from [Redacted] which reflects that the source of the income is from a [redacted] IRA<br> distribution. The loan file did not contain documentation to verify sufficient assets remain in the [redacted]<br> [redacted] account to support continuance of the distributions as income for at least the next [Redacted] years<br> (Guide section [Redacted]). Without documentation supporting continuance of the IRA distribution, the stability of<br> the income could not be established or used for qualification. Due to the delivered DTI ratio of [Redacted]%, any<br> change in income would have an adverse impact on the qualifying ratio.<br> The subject loan is not eligible for sale to Freddie Mac. |  |  |  | Reviewer Comment (2024-10-21): S&D Defect |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Primary | Refinance - Cash-out - Other |  | D | C | C | C | B | B | D | C | Non QM | Non QM | No |
| 223792661 | xx | xx | xx | xx |  |  | Credit | Income | Document Error | Income | The number of continuance years supported is unknown. |  | The file is missing proof of continuance for the pension distribution income. DTI is subject to change based on proof of continuance. |  |  |  | Reviewer Comment (2024-10-21): S&D Defect |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | OH | Primary | Refinance - Cash-out - Other |  | D | C | C | C | B | B | D | C | Non QM | Non QM | No |
| 223792661 | xx | xx | xx | xx |  |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | Property consists of Single Family Detached with [Redacted] cabins. Per Freddie Mac guidelines more then [Redacted] ADU is not an eligible property |  |  |  | Reviewer Comment (2024-10-21): S&D Defect |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | OH | Primary | Refinance - Cash-out - Other |  | D | C | C | C | B | B | D | C | Non QM | Non QM | No |
| 223792661 | xx | xx | xx | xx |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Desk review value came back as indeterminate |  |  |  |  |  |  |  | 3 |  | C |  | C |  | C |  | C |  | C |  | OH | Primary | Refinance - Cash-out - Other |  | D | C | C | C | B | B | D | C | Non QM | Non QM | No |
| 223792662 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank xxxx): Creditor did not provide a copy of each valuation to applicant [redacted] ([Redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-11-27): Received documentation showing appraisal delivered electronically on[redacted]. Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation.<br>Seller Comment (2024-11-26): Comment from[redacted]: Sorry, didn't realize you needed them all per the date on the conditoin. Please see attached.<br>Reviewer Comment (2024-11-25): Received documentation showing appraisal delivered electronically on [redacted] Creditor did not provide a copy of each valuation to applicant[redacted] business days prior to consummation.<br>Seller Comment (2024-11-25): Comment from [redacted]: Appraisal delivery |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | VA | Second Home | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792662 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within x Business Days of Application | RESPA Disclosure Rule (Dodd-Frank xxxx): List of Homeownership Counseling Organizations not provided to applicant within [redacted] ([Redacted]) business days of application. | List of Homeownership Counseling Organizations not provided to applicant within [redacted] ([Redacted]) business days of application. |  |  |  | Reviewer Comment (2024-11-25): Received in trailing documents.<br>Seller Comment (2024-11-25): Comment from [redacted]: Intiial homeownership counseling | 11/25/2024 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | VA | Second Home | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792662 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] ([Redacted]) business days of application. | Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] ([Redacted]) business days of application. |  |  |  | Reviewer Comment (2024-12-02): LE provided within[redacted] days of program switch from [redacted] to a conventional fixed covered under TRID regulations. Regraded[redacted]<br>Reviewer Comment (2024-12-02): LE provided within [redacted] days of program switch from[redacted]to a conventional fixed covered under [redacted] regulations.<br>Buyer Comment (2024-11-27): Comment from [redacted]: There is not a earlier LE - I provided proof of initial program and the disclosure trail. This should clear your concerns with an initial LE not being issued at time of application.<br>Reviewer Comment (2024-11-26): [redacted] received [redacted] LE. However, the initial application date is [redacted]. (see [redacted]) and the [redacted] LE would not have been issued within[redacted] business days of application date. provide earlier LE to meet timing.<br>Seller Comment (2024-11-25): Comment from [redacted]: Initial loan application was submitted as are[redacted] home equity loan first mortgage. NO LE REQUIRED. When loan program changed the initial LE was issued. |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | VA | Second Home | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792663 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | Missing evidence of borrower child support receipt. |  |  |  | Reviewer Comment (2024-11-29): Not applicable.<br>Buyer Comment (2024-11-29): Comment from [redacted]: I'm not seeing that the borrower is using any child support income at all nor is he paying it. Can you let us know where this is coming from. | 11/29/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223792663 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | Misc. State Level | (TXxx(a)(x)) Texas Cash-out Loan (T-xx Endorsement Not Obtained) | [Redacted]Constitution Section [Redacted](a)([Redacted]): Acceptable [redacted] title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the [redacted] T-[Redacted] endorsement or the T-[Redacted] endorsement. (The loan is a [Redacted] Section [Redacted] (a)([Redacted]) home equity loan.) |  |  |  |  | Reviewer Comment (2024-12-09): Confirmed Endorsements [redacted].<br>Seller Comment (2024-12-05): Comment from [redacted]: Per the title email uploaded, the Title Policy includes the [redacted]endorsement | 12/09/2024 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223792663 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Defect | (TXxx(a)(x)) Texas Cash-out Loan (Loan Not Closed At Office of Lender, Attorney, or Title Company) | [redacted] Constitution Section [redacted]: Unable to determine if loan was closed at an authorized location due to missing documentation. |  |  |  |  | Reviewer Comment (2024-11-29): Received in trailing documents.<br>Seller Comment (2024-11-29): Comment from [redacted]: Affidavit to receipt to docs and place of signing and compliance with [redacted] Compliance | 11/29/2024 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| 223792663 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | The only Closing Disclosure provided was the final, it was issued on same day as closing. |  |  |  | Reviewer Comment (2024-12-02): [redacted]received[redacted] business days prior to consummation.<br>Seller Comment (2024-11-29): Comment from[redacted] Initial CD | 12/02/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223792663 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - [redacted] [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | The final CD dated [redacted] non-escrowed property cost is blank on page [redacted]. |  |  |  | Reviewer Comment (2024-12-10): [redacted] received corrected PCCD and LOE<br>Seller Comment (2024-12-09): Comment from [redacted]): PCCD and LOX<br>Reviewer Comment (2024-12-05): [redacted] received rebuttal. However, [redacted]of[redacted]/year. The acceptable amounts are [redacted] or [redacted]months. The allowable tolerance for the escrow account fields is [redacted] for under disclosure and no penalty for over disclosure however the amount cannot exceed [redacted]months of calculated costs or less than [redacted]months. Please provide verification if using an updated amount. Letter of Explanation and Corrected CD required to cure.<br>Buyer Comment (2024-12-05): Comment from[redacted]: There is no other property cost besides the hazard insurance and tax which was escrowed so can you clarify what you want to be provided in the non-escrowed property cost Year[redacted] on the final CD. Please waive |  | 12/10/2024 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| 223792663 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Defect | (TXxx(a)(x)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least x Business Day Prior to Closing - No Waiver) | [redacted] Constitution Section [redacted]: Final itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] business day prior to closing without a waiver. |  |  |  |  | Reviewer Comment (2024-11-29): Received in trailing documents.<br>Seller Comment (2024-11-29): Comment from[redacted]: Proof of Receipt of itemized disclosure of fees, points, costs and charges | 11/29/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| 223792664 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ |  |  |  |  | Reviewer Comment (2025-01-03): Not required<br>Seller Comment (2025-01-02): Comment from [redacted]: VOE and articles showing [redacted] ownership | 01/03/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Purchase |  | C | B | C | A | C | B | C | A | Safe Harbor QM (APOR) | Non QM | No |
| 223792664 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [redacted] was not provided. |  |  |  |  |  | Reviewer Comment (2024-12-23): Received in trailing documents.<br>Seller Comment (2024-12-19): Comment from [redacted]: Appraisal was made "subject to the installation of smoke and CO detectors. See addendum." Addendum states subject has [redacted]detector and smoke detector are installed. Pictures also show [redacted]/smoke detectors | 12/23/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Purchase |  | C | B | C | A | C | B | C | A | Safe Harbor QM (APOR) | Non QM | No |
| 223792664 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2024-12-31): Received in trailing documents.<br>Seller Comment (2024-12-31): Comment from[redacted]: Mortgage Statement from Christian Community Credit Union -[redacted]<br>Reviewer Comment (2024-12-23): Mortgage statement not provided.<br>Seller Comment (2024-12-19): Comment from [redacted]: REO docs | 12/31/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Purchase |  | C | B | C | A | C | B | C | A | Safe Harbor QM (APOR) | Non QM | No |
| 223792664 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. |  |  |  |  | Reviewer Comment (2024-12-17): Loan Designation restated. Compliance testing updated. | 12/17/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Purchase |  | C | B | C | A | C | B | C | A | Safe Harbor QM (APOR) | Non QM | No |
| 223792664 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CO | Primary | Purchase |  | C | B | C | A | C | B | C | A | Safe Harbor QM (APOR) | Non QM | No |
| 223792664 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of Non QM. |  |  |  | Reviewer Comment (2024-12-17): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2024-12-17): Comment from [redacted] Please re-state/re-test to Non QM. Thank you! | 12/17/2024 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | CO | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | C | A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223792664 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Fields updated as per Closing disclosure. |  |  |  | Reviewer Comment (2024-12-20): [redacted] received [redacted] business days prior to consummation.<br>Seller Comment (2024-12-19): Comment from[redacted]: Initial CD | 12/20/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | C | A | Safe Harbor QM (APOR) | Non QM | No |
| 223792664 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank [redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 |  | A |  | B |  | B |  | B |  | A |  | CO | Primary | Purchase |  | C | B | C | A | C | B | C | A | Safe Harbor QM (APOR) | Non QM | No |
| 223792679 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | UTD | UTD - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792679 | xx | xx | xx | xx |  |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | UTD - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792679 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | UTD - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792679 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | UTD - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792679 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | UTD - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792679 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-x: No Document Used For Fee Testing |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | FL | UTD | UTD - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792679 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | UTD - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792679 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | UTD - UTD | No Defined Cure | D | D |  |  | D | D |  |  |  |  | No |
| 223792679 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | UTD - UTD | No Defined Cure | D | D |  |  | D | D |  |  |  |  | No |
| 223792679 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | D |  |  | D | D |  |  |  |  | Yes |
| 223792679 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | UTD - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792680 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | LA | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792680 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | LA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | B |  |  | B | B |  |  |  |  | Yes |
| 223792680 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | LA | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792681 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (xxxx) - GFE Settlement charges Good Thru Date Less than xx Days |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792682 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NY | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792682 | xx | xx | xx | xx |  |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  | Unable to complete the Valuation tab due to missing the Appraisal in acuity. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792682 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  | Unable to complete the GFE tab due to missing the Initial GFE document in acuity. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792682 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted]. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792682 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792683 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Lender's Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | TX | Primary | Refinance - Cash-out - Other |  | C | B |  |  | C | B |  |  |  |  | No |
| 223792683 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other |  | C | B |  |  | C | B |  |  |  |  | No |
| 223792683 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other |  | C | B |  |  | C | B |  |  |  |  | No |
| 223792683 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (xxxx) - Interest Rate on GFE Inaccurate | RESPA ([redacted]): Interest Rate on GFE does not match Note. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other |  | C | B |  |  | C | B |  |  |  |  | No |
| 223792683 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (xxxx) - Loan Amount on Final GFE Inaccurate | RESPA ([redacted]): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other |  | C | B |  |  | C | B |  |  |  |  | No |
| 223792683 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (xxxx) - Interest Rate on Final HUD-x Inaccurate | RESPA ([redacted]): Interest Rate on Final HUD-x does not match Note. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other |  | C | B |  |  | C | B |  |  |  |  | No |
| 223792683 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | Misc. State Level | (TXxx(a)(x)) Texas Cash-out Loan (T-xx Endorsement Not Obtained) | Unable to determine whether the loan contains a [redacted] Endorsement due to missing information. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B |  |  | C | B |  |  |  |  | No |
| 223792683 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Defect | (TXxx(a)(x)) Texas Cash-out Loan (Final Loan Application) | [redacted]: No evidence the borrower(s) received a copy of the final loan application at or prior to closing. |  |  |  |  | Reviewer Comment (2019-06-05): [redacted] provided copy of letter sent to borrower indicating they have credited [redacted] to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the [redacted]. Outside counsel advised this was sufficient to cure this exception. Offer to Refinance expires [redacted] |  | 02/06/2018 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B |  |  | C | B |  |  |  |  | Yes |
| 223792683 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Defect | (TXxx(a)(x)) Texas Cash-out Loan (Points and Fees Exceeds x% of Original Principal Balance) | [redacted]: Points and fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Original Principal Loan Amount. Points and Fees total $[redacted] on an Original Principal Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or [redacted]%.) |  |  |  |  | Reviewer Comment (2019-06-05): Received servicing screen print to evidence the lender's credit of [redacted] to cure the [redacted] points and fees exception and copy of letter to borrower. |  | 02/06/2018 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B |  |  | C | B |  |  |  |  | Yes |
| 223792683 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Closing / Title | Title | Final Title Policy is Missing |  |  |  |  |  |  |  |  |  | 1 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other |  | C | B |  |  | C | B |  |  |  |  | No |
| 223792683 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (xxxx) – Written Service Provider List Missing | Unable to determine if the borrower received a list of service providers due to missing information. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other |  | C | B |  |  | C | B |  |  |  |  | No |
| 223792683 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Defect | (TXxx(a)(x)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) | [redacted]: [redacted] Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. |  |  |  |  | Reviewer Comment (2019-06-05): [redacted] provided copy of letter sent to borrower indicating they are aware the borrower may not have gotten copies of all closing docs and final application at closing. [redacted] has credited $[redacted] to the principal balance of their loan and offered to refinance their loan and provided screen shots to evidence the application of the $[redacted][redacted] also signed attestation that they cannot definitively determine that all documents executed by the borrower were contained within the loan files. Outside counsel advised this was sufficient to cure this exception with the catch all cure. Offer to Refinance expires[redacted] |  | 02/06/2018 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Refinance - Cash-out - Other | Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B |  |  | C | B |  |  |  |  | Yes |
| 223792683 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Defect | (TXxx(a)(x)) Texas Cash-out Loan (Completed Loan Application Not Provided At Least x Business Day Prior to Closing) | [redacted]: [redacted] Cash-out Loan. Borrower was not provided copy of Application [redacted] day prior to closing. |  |  |  |  | Reviewer Comment (2019-06-05): [redacted] provided copy of letter sent to borrower indicating they have credited [redacted] to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $[redacted]. Outside counsel advised this was sufficient to cure this exception. Offer to Refinance expires [redacted] |  | 02/06/2018 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B |  |  | C | B |  |  |  |  | Yes |
| 223792684 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | MS | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792684 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted]. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MS | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792684 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MS | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792685 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NY | Primary | Refinance - Rate/Term |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792685 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument not provided |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | NY | Primary | Refinance - Rate/Term |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792685 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-[redacted]: No Document Used For Fee Testing | Missing Final HUD-[redacted]. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | NY | Primary | Refinance - Rate/Term |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792685 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Refinance - Rate/Term | No Defined Cure | D | D |  |  | D | D |  |  |  |  | No |
| 223792685 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Refinance - Rate/Term | No Defined Cure | D | D |  |  | D | D |  |  |  |  | No |
| 223792685 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Refinance - Rate/Term |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792685 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NY | Primary | Refinance - Rate/Term |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792686 | xx | xx | xx | xx |  |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  | Reviewer Comment (2019-06-26): Client requested to close exception<br>Buyer Comment (2019-06-24): Waived |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792686 | xx | xx | xx | xx |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792686 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  | Reviewer Comment (2019-06-26): Client requested to close exception<br>Buyer Comment (2019-06-24): Waived |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792686 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted]is underdisclosed from calculated Finance Charge of $[redacted]in the amount of $[redacted]. | Under-disclosure is in the payment stream |  |  |  | Reviewer Comment (2019-06-26): Client requested to close exception<br>Buyer Comment (2019-06-24): Waived |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | B |  |  | B | B |  |  |  |  | Yes |
| 223792686 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-x Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The [redacted] form was used instead of the [redacted] form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  | Reviewer Comment (2019-06-26): Client requested to close exception<br>Buyer Comment (2019-06-24): Waived |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B |  |  | B | B |  |  |  |  | Yes |
| 223792687 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CA | Investment | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792687 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792687 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792687 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted]. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792690 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MS | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792691 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Primary | Refinance - Cash-out - Debt Consolidation |  | A | A |  |  | A | A |  |  |  |  | No |
| 223792695 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | Missing ARM disclosure |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | ME | Primary | Refinance - Cash-out - Other | No Defined Cure | B | B |  |  | B | B |  |  |  |  | No |
| 223792695 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | Missing Charm booklet |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | ME | Primary | Refinance - Cash-out - Other | No Defined Cure | B | B |  |  | B | B |  |  |  |  | No |
| 223792695 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than x Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | ME | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B |  |  | B | B |  |  |  |  | Yes |
| 223792695 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | ME | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B |  |  | B | B |  |  |  |  | Yes |
| 223792695 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial [redacted] |  | [redacted] loan. No initial application however, application date is stated on the final application. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | ME | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792698 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | SC | Primary | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792698 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | SC | Primary | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792698 | xx | xx | xx | xx |  |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | SC | Primary | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792698 | xx | xx | xx | xx |  |  | Credit | Guideline | Guideline Issue | Guideline | Note loan amount is less than guideline minimum. | Note loan amount of ___ is less than guideline minimum loan amount of $[redacted]. |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | SC | Primary | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792698 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-x: No Document Used For Fee Testing | Missing Final HUD-x. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  | Seller Comment (2020-10-14): Not subject to high cost per [redacted]; Non-[redacted] state |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | SC | Primary | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792698 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-x or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | SC | Primary | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792698 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | SC | Primary | Purchase | No Defined Cure | D | D |  |  | D | D |  |  |  |  | No |
| 223792698 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | SC | Primary | Purchase | No Defined Cure | D | D |  |  | D | D |  |  |  |  | No |
| 223792698 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | SC | Primary | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792699 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | MA | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792699 | xx | xx | xx | xx |  |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MA | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792699 | xx | xx | xx | xx |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | MA | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792699 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MA | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792699 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MA | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792699 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MA | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792699 | xx | xx | xx | xx |  |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | MA | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792699 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MA | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792699 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MA | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792699 | xx | xx | xx | xx |  |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | MA | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792706 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  |  |  | Reviewer Comment (2019-04-30): Received security instrument and mod agreement, still missing subject note. |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | IL | Primary | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792706 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Primary | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792706 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-x: No Document Used For Fee Testing | Missing Final HUD-x. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | IL | Primary | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792706 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted]. Due to missing HUD-x or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792706 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792706 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792706 | xx | xx | xx | xx |  |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792707 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | PA | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792707 | xx | xx | xx | xx |  |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | PA | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792707 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Good Faith Estimate (GFE) not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | PA | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792707 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | TILA | Missing Document: TIL Initial not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792707 | xx | xx | xx | xx |  |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Valuation Type: Stated / Valuation Report Date: [redacted] |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | PA | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792707 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial [redacted] |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792707 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792707 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792707 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed |  | Unable to determine the reason for under-disclosure. The itemization of amount financed was not provided |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | B |  |  | B | B |  |  |  |  | Yes |
| 223792709 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CT | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792709 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CT | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792709 | xx | xx | xx | xx |  |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CT | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792709 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CT | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792709 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument[redacted] Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CT | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792709 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-[redacted]: No Document Used For Fee Testing Material | Missing Final [redacted] . No document containing fees provided. Any [redacted] compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | CT | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792709 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. Due to missing[redacted] or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CT | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792709 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final [redacted] Finance Charge of [redacted] is underdisclosed from calculated Finance Charge of[redacted] in the [redacted] of [redacted] | Note first payment date of [redacted] is prior to Note date of [redacted] . [redacted] of [redacted] used for compliance testing. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CT | Primary | Refinance - UTD | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | D | D |  |  | D | D |  |  |  |  | Yes |
| 223792709 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: [redacted] to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CT | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | D |  |  | D | D |  |  |  |  | Yes |
| 223792709 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note first payment date of [redacted] is prior to Note date of [redacted] . First payment date of [redacted] used for compliance testing. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CT | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792710 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | [redacted] Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792710 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | [redacted] Disclosure Rule: Creditor did not provide[redacted] Disclosure to applicant within [redacted] business days of application. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792711 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | OK | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792711 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of[redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was[redacted] |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OK | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792711 | xx | xx | xx | xx |  |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OK | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792711 | xx | xx | xx | xx |  |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | OK | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792711 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OK | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792778 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final xxxx |  |  |  |  |  | Reviewer Comment (2024-03-05): Known defect. |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | OK | UTD | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792778 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OK | UTD | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792778 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OK | UTD | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792778 | xx | xx | xx | xx |  |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  | Reviewer Comment (2024-03-05): Known defect. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OK | UTD | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792778 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. [redacted] Date of[redacted] used as disbursement date for compliance testing. |  |  |  |  | Reviewer Comment (2024-03-05): Known defect; missing final HUD. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OK | UTD | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792778 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-x: No Document Used For Fee Testing Material | Missing [redacted] No document containing fees provided. Any applicable [redacted] is unreliable. |  |  |  |  | Reviewer Comment (2024-03-05): Known defect. |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | OK | UTD | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792778 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. Due to missing [redacted] or[redacted] were used in testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OK | UTD | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792778 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family [redacted] may be impacted. |  |  |  |  | Reviewer Comment (2024-03-05): Known defect; missing appraisal. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OK | UTD | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792778 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | [redacted] rate disclosure: [redacted] loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OK | UTD | Refinance - UTD | No Defined Cure | D | D |  |  | D | D |  |  |  |  | No |
| 223792778 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | [redacted] variable rate disclosure: [redacted] on Adjustable [redacted] not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OK | UTD | Refinance - UTD | No Defined Cure | D | D |  |  | D | D |  |  |  |  | No |
| 223792778 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | [redacted] Act:[redacted] to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OK | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | D |  |  | D | D |  |  |  |  | Yes |
| 223792778 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OK | UTD | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792778 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Known loan defect: Missing final HUD, missing Mod Agreement, incomplete origination docs, missing Final Application, missing Final Appraisal, missing Final Approval, and credit report. |  |  |  | Reviewer Comment (2024-03-05): S&D |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | OK | UTD | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792779 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final xxxx |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | GA | UTD | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792779 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792779 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML xxxx Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of[redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of [redacted] . Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792779 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. [redacted] From Date from [redacted] or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792779 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is[redacted] months prior to consummation. A[redacted] was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792779 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with[redacted] timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792779 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within x Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792779 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (xxxx) – Written Service Provider List Missing | Unable to determine if the borrower received a list of service providers due to missing information. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792779 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | [redacted] Disclosure Rule: Creditor did not provide [redacted] Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792779 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within x Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan [redacted] |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792779 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Defect | Georgia Home Loan (Arbitration Clause) | [redacted] Home Loan: Mortgage loan contains an unfair or oppressive arbitration clause. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792779 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within x Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792779 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of[redacted] is underdisclosed from calculated Finance Charge of [redacted] in the amount of [redacted] | TIL itemization did not disclose a[redacted] fee of[redacted] and Attorney Fee of [redacted] as prepaid finance charges. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | B |  |  | B | B |  |  |  |  | Yes |
| 223792782 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final xxxx |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | GA | UTD | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792782 | xx | xx | xx | xx |  |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792782 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792782 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792782 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792782 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-x: No Document Used For Fee Testing Material | Missing Fina[redacted] No document containing fees provided. Any applicable[redacted] testing is unreliable. |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | GA | UTD | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792782 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of[redacted] which is[redacted] months prior to consummation. A [redacted] was performed to determine this application date. Due to missing [redacted] or [redacted] , no fees were used in testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792782 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family [redacted] testing may be impacted. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792782 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | [redacted] variable rate disclosure:[redacted] loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Purchase | No Defined Cure | D | D |  |  | D | D |  |  |  |  | No |
| 223792782 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | [redacted] variable rate disclosure:[redacted] , not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Purchase | No Defined Cure | D | D |  |  | D | D |  |  |  |  | No |
| 223792782 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Purchase |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final xxxx |  |  |  |  |  | Reviewer Comment (2023-08-10): Cleared on receipt of Final 1003. | 08/10/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OH | Investment | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | Reviewer Comment (2023-08-10): Exception remains. Flood Certificate provided is not from origination. |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | OH | Investment | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [redacted]/[redacted] form and does not contain the following clauses: |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Investment | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  | Reviewer Comment (2023-08-10): Cleared on receipt of initial GFE. | 08/10/2023 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | OH | Investment | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  | Reviewer Comment (2023-08-10): Cleared on receipt of Final 1003. | 08/10/2023 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | OH | Investment | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Prepayment Penalty) | Unable to test prepayment [redacted] to missing information. |  |  |  |  | Reviewer Comment (2023-08-10): Cleared on receipt of 1003 which verified occupancy as Investment Property. | 08/10/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OH | Investment | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Calculated APR/Rate) | Truth in Lending Act (HOEPA): APR Threshold is exceeded by [redacted] . APR of [redacted] exceeds a threshold of [redacted] based on the [redacted] for comparable maturities of[redacted] plus jurisdiction allowable margin of [redacted] . Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2023-08-10): Cleared on receipt of 1003 which verified occupancy as Investment Property. | 08/10/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OH | Investment | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to [redacted] or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a [redacted] loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | Reviewer Comment (2023-08-10): Cleared on receipt of 1003 which verified occupancy as Investment Property. | 08/10/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OH | Investment | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act ([redacted]): HOEPA disclosure was not provided to the Borrower |  |  |  |  | Reviewer Comment (2023-08-10): Cleared on receipt of 1003 which verified occupancy as Investment Property. | 08/10/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OH | Investment | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Investment | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Federal and State High Cost Lookback Failures | Due to missing evidence of initial application date. An application date of [redacted] was used for Compliance testing. The loan would result in a High Cost failure due rate test failure on the following application dates[redacted] , [redacted] . |  |  |  |  | Reviewer Comment (2023-08-10): Cleared on receipt of Initial 1003. | 08/10/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OH | Investment | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) [redacted] : Special [redacted] indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Investment | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | Reviewer Comment (2023-08-10): Cleared on receipt of Initial 1003. | 08/10/2023 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | OH | Investment | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) Ohio Covered Loan (Counseling Requirement - DTI > xx%) | Unable to test state disclosure due to missing information. |  |  |  |  | Reviewer Comment (2023-08-10): Cleared on receipt of 1003 which verified occupancy as Investment Property. | 08/10/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OH | Investment | Refinance - Cash-out - Debt Consolidation | No obvious cure |  | B |  |  |  | B |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Ohio Covered Loan (High Cost Disclosure Not Provided) | [redacted] Loan: Required high-cost disclosure terms not provided to borrower. |  |  |  |  | Reviewer Comment (2023-08-10): Cleared on receipt of 1003 which verified occupancy as Investment Property. | 08/10/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OH | Investment | Refinance - Cash-out - Debt Consolidation | No obvious cure |  | B |  |  |  | B |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Ohio Covered Loan (Mortgage Loan Origination Disclosure Statement Not Provided) | [redacted] Loan: Borrower not provided with mortgage loan origination disclosure statement in accordance with division[redacted] of the Revised Code. |  |  |  |  | Reviewer Comment (2023-08-10): Cleared on receipt of 1003 which verified occupancy as Investment Property. | 08/10/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OH | Investment | Refinance - Cash-out - Debt Consolidation | No obvious cure |  | B |  |  |  | B |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | State Defect | (State High Cost Provision) Ohio Covered Loan (Impermissible Prepayment Penalty) | [redacted] Loan: Mortgage loan contains an impermissible prepayment penalty. |  |  |  |  | Reviewer Comment (2023-08-10): Cleared on receipt of 1003 which verified occupancy as Investment Property. | 08/10/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OH | Investment | Refinance - Cash-out - Debt Consolidation | No obvious cure |  | B |  |  |  | B |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Ohio Covered Loan (Calculated APR/Rate) | [redacted] Lending Act: APR Threshold is exceeded by[redacted] . APR of [redacted] exceeds a threshold of [redacted] based on the [redacted] for comparable maturities of [redacted] plus jurisdiction allowable margin of [redacted] Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2023-08-10): Cleared on receipt of 1003 which verified occupancy as Investment Property. | 08/10/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OH | Investment | Refinance - Cash-out - Debt Consolidation | No obvious cure |  | B |  |  |  | B |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | [redacted] Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  | Reviewer Comment (2023-08-10): Cleared on receipt of 1003 which verified occupancy as Investment Property. | 08/10/2023 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | OH | Investment | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty Small Loan | [redacted] Penalty: A prepayment penalty is not permissible on a[redacted] loan less than $[redacted] . Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Investment | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | [redacted] Lending Act: [redacted] was not provided. |  |  |  |  | Reviewer Comment (2023-08-10): Cleared on receipt of 1003 which verified occupancy as Investment Property. | 08/10/2023 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | OH | Investment | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  | B |  |  |  | B |  |  |  |  | Yes |
| 223792783 | xx | xx | xx | xx |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | Federal HOEPA Ability to Repay Reliable Documentation | Truth in Lending Act [redacted]): Borrower's ability to repay not verified with reliable documentation. |  |  |  |  | Reviewer Comment (2023-08-10): Cleared on receipt of 1003 which verified occupancy as Investment Property. | 08/10/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OH | Investment | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) Ohio Covered Loan (Ability to Repay not Verified) | [redacted] Loan: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  | Reviewer Comment (2023-08-10): Cleared on receipt of 1003 which verified occupancy as Investment Property. | 08/10/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OH | Investment | Refinance - Cash-out - Debt Consolidation | No obvious cure |  | B |  |  |  | B |  |  |  |  | No |
| 223792783 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Ability to Repay not Verified) | [redacted] Consumer Sales Practices Act: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified [redacted] and/or employment. |  |  |  |  | Reviewer Comment (2023-08-10): Cleared on receipt of 1003 which verified occupancy as Investment Property. | 08/10/2023 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | OH | Investment | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792784 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (xxxx) - GFE Settlement charges Good Thru Date Less than xx Days | [redacted] : GFE does not provide minimum [redacted] business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Purchase |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792784 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within x Business Days of Application | [redacted] : Initial GFE not provided to Borrower(s) within [redacted] business days of Application Date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Purchase |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792784 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | [redacted] Disclosure Rule: Creditor did not provide [redacted] Cost Booklet. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Purchase |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792784 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA x-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than x Business Days from Consummation | [redacted] in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least[redacted] business days prior to closing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Purchase |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792785 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument [redacted] Date of[redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792785 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: [redacted] indicator was not provided. The applicable[redacted] related testing cannot be performed. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792785 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of[redacted] which is [redacted] months prior to consummation. A[redacted] was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792785 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Late Charge | [redacted] Late Charge Percent and Amount Testing | [redacted] Late Charge: Note late charge of[redacted] exceeds state maximum of [redacted] whichever is greater. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792785 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than x Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on[redacted] , prior to [redacted] business days from transaction date of[redacted] . |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  | B |  |  |  | B |  |  |  |  | Yes |
| 223792785 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | [redacted] In Lending Act: [redacted] Finance Charge of[redacted] is underdisclosed from calculated Finance Charge of [redacted] in the amount of [redacted] | Unable to determine under disclosure due to missing[redacted] |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable |  | B |  |  |  | B |  |  |  |  | Yes |
| 223792785 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final xxxx |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | MD | Primary | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792785 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | MD | Primary | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792785 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792785 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | [redacted] Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted] business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792785 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty Test | [redacted] Prepayment Penalty: Maximum calculated prepay of [redacted] xceeds the state maximum of[redacted] months interest calculated on[redacted] of the original balance [redacted] Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792785 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | [redacted] Disclosure Rule: Creditor did not provide [redacted] Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Debt Consolidation |  |  | B |  |  |  | B |  |  |  |  | No |
| 223792786 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [redacted]/[redacted] form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | KY | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792786 | xx | xx | xx | xx |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | KY | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792786 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate[redacted] not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | KY | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792786 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from[redacted] or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | KY | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792786 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (xxxx) - GFE Settlement charges Good Thru Date Less than xx Days | [redacted] GFE does not provide minimum [redacted] business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | KY | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792786 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (xxxx) - Initial Payment on GFE Inaccurate | [redacted] Initial payment on [redacted] does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | KY | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792786 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | [redacted] disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | KY | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792786 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | [redacted] Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted] business days of application. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | KY | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792787 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792787 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | [redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of [redacted] Loan Information Document not received by borrower within[redacted] business days of application. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792787 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Signed at Closing) | [redacted] Consumer Sales Practices Act: Consumer did not sign the required Closing Disclosure on the date of closing |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792787 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Unable to test Closing Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792788 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final xxxx |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CA | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792788 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CA | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792788 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792788 | xx | xx | xx | xx |  |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792788 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792788 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792788 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-x: No Document Used For Fee Testing Material | Missing Final HUD-x. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | CA | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792788 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-x or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792788 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792788 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | D |  |  | D | D |  |  |  |  | Yes |
| 223792788 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792789 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792789 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Late Charge | [redacted]Late Charge Percent Testing | [redacted] Late Charge: Note late charge percent of [redacted]% exceeds the state maximum of [redacted]%. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792789 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Defect | [redacted]Prepayment Penalty | [redacted] Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than [redacted]% is [redacted]months. Loan with an interest rate of [redacted]% contracts for a prepay term of [redacted]months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792789 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit x, x, x, x, x, xx or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-x Form was used and property is in the [redacted]nd, [redacted]th, [redacted]th, [redacted]th, [redacted]th, [redacted]th, or District of Columbia) |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792793 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final xxxx |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | UTD | UTD - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792793 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | UTD | UTD - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792793 | xx | xx | xx | xx |  |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | UTD - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792793 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | UTD - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792793 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | UTD - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792793 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | UTD - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792793 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | UTD - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792793 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-x: No Document Used For Fee Testing Material | Missing Final HUD-x. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | FL | UTD | UTD - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792793 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-x or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | UTD - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792793 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | UTD - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792793 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | D |  |  | D | D |  |  |  |  | Yes |
| 223792793 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | UTD - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792794 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final xxxx |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792794 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792794 | xx | xx | xx | xx |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792794 | xx | xx | xx | xx |  |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792794 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792794 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792794 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted]used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792794 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792794 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792794 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792794 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B |  |  | B | B |  |  |  |  | Yes |
| 223792815 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-x Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-x form was used, the H-x form should have been used. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B |  |  | B | B |  |  |  |  | Yes |
| 223792815 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792816 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final xxxx |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CA | Primary | Construction |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792816 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CA | Primary | Construction |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792816 | xx | xx | xx | xx |  |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Construction |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792816 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Principal and interest payment is blank. |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CA | Primary | Construction |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792816 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Construction |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792816 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted]used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Construction |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792816 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Construction |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792816 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-x: No Document Used For Fee Testing Material | Missing Final HUD-x. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  | Reviewer Comment (2024-04-25): Unable to clear- HUD received is the same post origination copy received in the original image package<br>Seller Comment (2024-04-24): Provided F HUD |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | CA | Primary | Construction |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792816 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Construction |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792816 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Construction |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792817 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final xxxx |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | GA | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792817 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | GA | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792817 | xx | xx | xx | xx |  |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792817 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792817 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792817 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-x: No Document Used For Fee Testing | Missing Final HUD-x. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | GA | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792817 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was[redacted]. Due to missing HUD-x or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | Primary | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792817 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | D |  |  | D | D |  |  |  |  | Yes |
| 223792818 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | OH | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792818 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | OH | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792818 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted] business days of application. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792820 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Construction-Permanent |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792820 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Cross Collateralized | Cross Collateralized Mortgage Loan | There are multiple properties securing the repayment of this loan. (Cross collateralized) The property evaluated for the compliance review is based on occupancy type and then based on the property with the highest value. | Property address per the Note: [redacted][redacted]& [redacted] |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Construction-Permanent |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792820 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Construction-Permanent |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792820 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Construction-Permanent |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792820 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Construction-Permanent |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792821 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CT | Primary | Purchase |  | D | B |  |  | D | B |  |  |  |  | No |
| 223792821 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of[redacted] used as disbursement date for compliance testing. |  |  |  |  | Reviewer Comment (2019-05-20): Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. | 05/20/2019 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CT | Primary | Purchase |  | D | B |  |  | D | B |  |  |  |  | No |
| 223792821 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-x: No Document Used For Fee Testing | Missing Final HUD-x. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  | Reviewer Comment (2019-05-20): Final HUD-1 provided. | 05/20/2019 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | CT | Primary | Purchase |  | D | B |  |  | D | B |  |  |  |  | No |
| 223792821 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CT | Primary | Purchase |  | D | B |  |  | D | B |  |  |  |  | No |
| 223792821 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was[redacted]. Due to missing HUD-x or Closing Disclosure, no fees were used in testing. |  |  |  |  | Reviewer Comment (2019-05-20): Exception replaced with:No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A look back was performed to determine this application date. The final date used for testing was [redacted]. | 05/20/2019 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CT | Primary | Purchase |  | D | B |  |  | D | B |  |  |  |  | No |
| 223792821 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  |  |  |  |  | 3 |  | D |  | D |  | D |  | D |  | D |  | CT | Primary | Purchase |  | D | B |  |  | D | B |  |  |  |  | No |
| 223792821 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted]. |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | CT | Primary | Purchase |  | D | B |  |  | D | B |  |  |  |  | No |
| 223792822 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792823 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792824 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CA | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792824 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted]which is [redacted]months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted]. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792824 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B |  |  | B | B |  |  |  |  | Yes |
| 223792824 | xx | xx | xx | xx |  |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792824 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792824 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted]is underdisclosed from calculated Finance Charge of $[redacted]in the amount of $[redacted]. | Itemization did not include $[redacted]payoff statement fee, $[redacted]settlement fee or $[redacted]courier fee in the prepaid finance charges. However, a $[redacted]Doc Prep Fee was included and prepaid interest was over disclosed by $[redacted]. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | B |  |  | B | B |  |  |  |  | Yes |
| 223792826 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CT | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792826 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CT | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792826 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CT | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792826 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted] business days of application. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CT | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792826 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | provided at closing. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CT | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792828 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | PA | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792828 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792828 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | B |  |  | B | B |  |  |  |  | No |
| 223792828 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | [redacted] Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, [redacted] Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Refinance - Cash-out - Other | No Defined Cure | B | B |  |  | B | B |  |  |  |  | No |
| 223792828 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B |  |  | B | B |  |  |  |  | Yes |
| 223792829 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792829 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-x: No Document Used For Fee Testing Material | Missing Final HUD-x. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | FL | UTD | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792829 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-x or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792829 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792829 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | D |  |  | D | D |  |  |  |  | Yes |
| 223792829 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792829 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | UTD | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792829 | xx | xx | xx | xx |  |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792829 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792829 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | UTD | Refinance - UTD |  | D | D |  |  | D | D |  |  |  |  | No |
| 223792830 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792830 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792830 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | [redacted] Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, [redacted] Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Refinance - Rate/Term | No Defined Cure | B | B |  |  | B | B |  |  |  |  | No |
| 223792832 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792832 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-x or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792832 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of[redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792835 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792835 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted] business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792835 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792836 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792836 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted]which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223792838 | xx | xx | xx | xx |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. |  | The qualifying DSCR on the loan is greater than the guideline minimum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | DSCR<br>Sole guarantor FICO [redacted]points over minimum requirement | SitusAMC,Aggregator<br>SitusAMC,Aggregator | Reviewer Comment (2022-01-14): Waived/ downgraded based on [redacted] waiver policy. Comp factors are FICO and DSCR. |  |  | 01/14/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223792838 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | File only contains a Pro Forma commitment. This is not a commitment to insure and not intended to depict the present state of title. |  |  |  | Reviewer Comment (2022-02-11): Provided in TD<br>Seller Comment (2022-02-10): Check | 02/11/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223792838 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Insurance Address (City) does not match Note. ([redacted]vs. [redacted]). City name should reflect Deptford per other docs in file. |  |  |  | Reviewer Comment (2022-02-14): In TD<br>Seller Comment (2022-02-14): Attached revised docs provided by insurance agent | 02/14/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223792838 | xx | xx | xx | xx |  |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Valuation Address (City) does not match Note. ([redacted]vs. [redacted]). Need revised primary appraisal to reflect Deptford and match the CDA, note and other docs in file. |  |  |  | Reviewer Comment (2022-03-04): In [redacted]<br>Seller Comment (2022-03-03): Please, see the amended address on the appraisal<br>Reviewer Comment (2022-02-15): Still waiting on corrected appraisal showing the city as [redacted].<br>Seller Comment (2022-02-15): Check | 03/04/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223792838 | xx | xx | xx | xx |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. |  | The qualifying DSCR on the loan is greater than the guideline minimum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | DSCR<br>Sole guarantor FICO [redacted]points over minimum requirement | SitusAMC,Aggregator<br>SitusAMC,Aggregator | Reviewer Comment (2022-01-14): Waived/ downgraded based on [redacted] waiver policy. Comp factors are FICO and DSCR. |  |  | 01/14/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223792839 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | S&D Reason: Early Payment Default (EPD). |  |  |  | Reviewer Comment (2022-05-16): S&D Reason |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CA | Investment | Refinance - Cash-out - Other |  | C | C | C | C |  |  | A | A |  | N/A | No |
| 223792839 | xx | xx | xx | xx |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Seller Comment (2022-05-18): Final Title Policy has been uploaded to DocAcuity. |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | C | C | C |  |  | A | A |  | N/A | No |
| 223792841 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | File is missing deed signed at closing transferring ownership to our borrower. |  |  |  | Reviewer Comment (2024-06-17): Received in trailing documents. | 06/17/2024 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | MS | Investment | Purchase |  | D | A | D | A |  |  | A | A | UTD | N/A | No |
| 223792842 | xx | xx | xx | xx |  |  | Credit | Missing Document | General | Missing Document | ACH was missing from file. |  | ACH required and not evident in loan file. |  |  |  | Reviewer Comment (2024-01-18): Exception cleared. Guidelines do not require. | 01/18/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Investment | Purchase |  | C | C | C | C |  |  | A | A | UTD | N/A | No |
| 223792842 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Missing Corporate Resolution signed by all members of borrowing entity. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NY | Investment | Purchase |  | C | C | C | C |  |  | A | A | UTD | N/A | No |
| 223792842 | xx | xx | xx | xx |  |  | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Per guidelines, rural properties are not permitted. Appraisal in file indicates property is zoned rural. |  |  |  | Reviewer Comment (2024-01-18): Exception has been cleared. The CDL guidelines do not address rural properties. | 01/18/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Investment | Purchase |  | C | C | C | C |  |  | A | A | UTD | N/A | No |
| 223792843 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2024-08-30): Received in trailing documents.<br>Seller Comment (2024-08-30): Comment from[redacted]([redacted]Mortgage): Articles | 08/30/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 223792843 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2024-08-30): Certificate of Good Standing provided, Exception Cleared<br>Seller Comment (2024-08-30): Comment from [redacted] ([redacted]Mortgage): Good standing | 08/30/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 223792843 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2024-08-30): Guarantor Agreement provided, Exception Cleared<br>Seller Comment (2024-08-30): Comment from[redacted]([redacted]Mortgage): Personal guaranty | 08/30/2024 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | NC | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 223792843 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2024-08-30): Operating Agreement provided, Exception Cleared<br>Seller Comment (2024-08-30): Comment from [redacted] ([redacted]Mortgage): Operating agreement | 08/30/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 223792843 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property is classified as Rural and exists on a private road. No private road maintenance agreement provided. Client consideration and approval required. |  |  |  | Reviewer Comment (2024-08-30): Private Road Maintenance Agreement received (Doc ID [redacted]).<br>Seller Comment (2024-08-30): Comment from [redacted] ([redacted]Mortgage): Private road agreement | 08/30/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 223792845 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | UT | Investment | Refinance - Cash-out - Other |  | D | D | B | B |  |  | D | D |  | N/A | No |
| 223792845 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Non-QM Loan - Early payment default; repurchase from non-agency investor |  |  |  | Reviewer Comment (2024-09-30): S&D defect |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | UT | Investment | Refinance - Cash-out - Other |  | D | D | B | B |  |  | D | D |  | N/A | No |
| 223792847 | xx | xx | xx | xx |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2024-12-09): Received evidence of proceeds from refinance of other REO.<br>Seller Comment (2024-12-05): Comment from [redacted] ([redacted]): net proceeds | 12/09/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223812552 | xx | xx | xx | xx |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2024-09-10): Final title provided. | 09/10/2024 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | ID | Investment | Purchase |  | B | A | B | A | A | A | A | A |  | N/A | No |
| 223812552 | xx | xx | xx | xx |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[redacted]is less than the note amount of $[redacted]. |  |  |  | Reviewer Comment (2024-09-10): Received Final Title Policy covers the loan amount. exception cleared<br>Buyer Comment (2024-09-09): Title | 09/10/2024 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | ID | Investment | Purchase |  | B | A | B | A | A | A | A | A |  | N/A | No |
| 223812554 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | A CDA is required and was not provided. |  |  |  | Reviewer Comment (2024-10-08): Received CDA. Exception Cleared<br>Buyer Comment (2024-10-07): CDA | 10/08/2024 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | OR | Investment | Refinance - Cash-out - Other |  | D | B | C | A | B | B | D | A |  | N/A | No |
| 223812554 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Late Charge | [redacted] Late Charge Grace Period Testing | [redacted] Late Charge: Note grace period of [redacted]days is less than the state minimum of [redacted]days. |  |  |  |  | Buyer Comment (2024-09-27): Acknowledged non material |  |  | 09/27/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | OR | Investment | Refinance - Cash-out - Other |  | D | B | C | A | B | B | D | A |  | N/A | No |
| 223812554 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Late Charge | [redacted] Late Charge Percent Testing | [redacted] Late Charge: Note late charge percent of [redacted]% exceeds the state maximum of [redacted]%. |  |  |  |  | Buyer Comment (2024-09-27): Acknowledged non material |  |  | 09/27/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | OR | Investment | Refinance - Cash-out - Other |  | D | B | C | A | B | B | D | A |  | N/A | No |
| 223812554 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide third party verification (city, county, etc.) to confirm short term rentals are legally permissible and licensed where applicable. |  |  |  | Reviewer Comment (2024-10-25): Received City Third party verification which confirm short term rentals are legally permissible and licensed. Exception cleared.<br>Buyer Comment (2024-10-23): Third party verification | 10/25/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OR | Investment | Refinance - Cash-out - Other |  | D | B | C | A | B | B | D | A |  | N/A | No |
| 223812557 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (x-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted]([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/25/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Investment | Purchase |  | B | B | A | A | B | B | A | A |  | N/A | No |
| 223812560 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (x-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted]([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/11/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | NC | Investment | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A |  | N/A | No |
| 223812568 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (x-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted]([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Appraisal - ECOA Receipt of Appraisal without waiver OR after waiver. |  |  |  |  |  |  | 07/10/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | WI | Investment | Refinance - Cash-out - Other |  | B | B | B | B | B | B | A | A |  | N/A | No |
| 223812568 | xx | xx | xx | xx |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 07/10/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | WI | Investment | Refinance - Cash-out - Other |  | B | B | B | B | B | B | A | A |  | N/A | No |
| 223812570 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved exception at origination is provided to waive impounds with comp factors: LTV of [redacted]% | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2023-10-19): Comp factors provided |  |  | 10/19/2023 | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A |  | N/A | No |
| 223812570 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement provided is not executed by the member. | The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC | Reviewer Comment (2023-12-04): Client elects to waive.<br>Reviewer Comment (2023-11-24): Signed Operating agreement is missing. Exception Remains |  |  | 12/04/2023 | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A |  | N/A | No |
| 223812570 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved exception at origination is provided for VOM on primary it is free and clear with comp factors: LTV of [redacted]% | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2023-10-19): Comp factors provided |  |  | 10/19/2023 | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A |  | N/A | No |
| 223812570 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved exception at origination is provided for prepay; however, no comp factors were provided. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2023-10-19): Comp factors provided |  |  | 10/19/2023 | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A |  | N/A | No |
| 223812570 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  | Reviewer Comment (2023-10-26): Waive per clients guidance. |  |  | 10/26/2023 | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A |  | N/A | No |
| 223812570 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application - Signed and Dated | The initial loan application was not signed and dated. |  |  |  |  | Reviewer Comment (2023-10-26): Waive per clients guidance. |  |  | 10/26/2023 | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A |  | N/A | No |
| 223812570 | xx | xx | xx | xx |  |  | Credit | Compliance | Miscellaneous Compliance | Compliance | Patriot Act Disclosure is missing |  |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2023-12-07): .<br>Reviewer Comment (2023-10-26): Waive per clients guidance. |  |  | 10/26/2023 | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A |  | N/A | No |
| 223812570 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2023-10-26): Waive per clients guidance |  |  | 10/26/2023 | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A |  | N/A | No |
| 223812570 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-x: Stamped Title Company Closing Statement Used For Fee Testing Non Material | Missing Final HUD-[redacted]: Stamped Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. Investment occupancy with business purpose cert in file. Business purpose loans exempt from RESPA HUD-[redacted]requirement. EVx informational finding to indicate which document was used to source fees for any applicable testing. |  |  |  |  | Reviewer Comment (2023-10-26): Waive per clients guidance |  |  | 10/26/2023 | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A |  | N/A | No |
| 223812570 | xx | xx | xx | xx |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | [redacted]-unit max loan amount id $[redacted]per guidelines. | The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC | Reviewer Comment (2023-12-11): Client elects to waive. |  |  | 12/11/2023 | 2 |  | B |  | B |  | B |  | B |  | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A |  | N/A | No |
| 223812572 | xx | xx | xx | xx |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2023-06-09): Final title provided. | 06/09/2023 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223812572 | xx | xx | xx | xx |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2023-06-09): Final title provided.<br>Seller Comment (2023-06-08): [redacted] RF see attached please clear thank you | 06/09/2023 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223812572 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | The subject property is located in a FEMA disaster area that does not have a declared end date. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Aggregator | Reviewer Comment (2023-06-27): Client elects to waive.<br>Reviewer Comment (2023-06-21): Client to review. PDI provided prior to a declared disaster end date.<br>Seller Comment (2023-06-20): [redacted] [redacted]please see attached PDI |  |  | 06/27/2023 | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223812581 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property submitted as Non-QM / Exempt from ATR | Ability to Repay (Dodd-Frank [redacted]): Improper Originator Loan Designation. Investment property not subject to Ability to Repay requirements. | Lender designated loan as Non QM. |  |  |  | Reviewer Comment (2022-10-19): Client elects to waive. No A/L or outside SOL. |  |  | 10/19/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | DC | Investment | Refinance - Rate/Term |  | C | B | C | B | C | B | A | A | Non QM | N/A | No |
| 223812581 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Alternate Table Usage | TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction. | [Redact] initial LE disclosure(s) was issued on the "With Seller" form, and remaining LE disclosures & CD's was issued on the "Without Seller" form. |  |  |  | Reviewer Comment (2022-10-19): Client elects to waive. No A/L or outside SOL. |  |  | 10/19/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | DC | Investment | Refinance - Rate/Term | Good Faith Redisclosure | C | B | C | B | C | B | A | A | Non QM | N/A | Yes |
| 223812581 | xx | xx | xx | xx |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Qualifying using Greater of the fully indexed rate or the note rate + [redacted]%, the DTI is [redacted]%. Income used is [Redact] and total expenses of [Redact] Lender approved DTI to [redacted]%. | Borrower on this Investment Program documentation loan has a disposable income of [redacted] > guidelines of [redacted]<br>[redacted]months reserves > [redacted]months guideline minimum |  | Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2018-10-18): Lender approved at [redacted]%. [redacted]). Reviewed CGW / CPL Compensating Factor Tool provided. Score is [redacted]. CGW requirements met for increase of DTI to [redacted]% maximum.<br>Reviewer Comment (2018-10-17): [Redact] - [redacted]). Reviewed rental income calculations, updated data capture. [redacted]). Updated lender's qualifying payment calculations using Note Rate or Fully Indexed (had Note rate +[redacted]%) result is [redacted]% DTI; Lender approved at [redacted]%. [redacted]). Reviewed [redacted] / CPL Compensating Factor Tool provided. Score is [redacted]. [redacted] requirements met for increase of DTI to [redacted]% maximum. This issue is cleared. |  |  | 10/18/2018 | 2 | C | B | C | B | C | B | C | B | C | B |  | DC | Investment | Refinance - Rate/Term |  | C | B | C | B | C | B | A | A | Non QM | N/A | No |
| 223812581 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Due to DTI exception. |  |  |  | Reviewer Comment (2018-10-18): Exception approval for the DTI provided. | 10/18/2018 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | DC | Investment | Refinance - Rate/Term |  | C | B | C | B | C | B | A | A | Non QM | N/A | No |
| 223812582 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There is no supporting document for subordinate [redacted]Lien , However [redacted]noted HCLTV as [redacted]%. |  |  |  | Reviewer Comment (2024-10-24): Received updated [redacted]with correction in HCLTV<br>Buyer Comment (2024-10-22): [redacted] | 10/24/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Refinance - Rate/Term |  | D | A | C | A | A | A | D | A |  | N/A | No |
| 223812582 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID:[redacted] |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-10-24): CDA received. Exception cleared<br>Buyer Comment (2024-10-22): CDA | 10/24/2024 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | CA | Investment | Refinance - Rate/Term |  | D | A | C | A | A | A | D | A |  | N/A | No |
| 223812583 | xx | xx | xx | xx |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Hazard Insurance Policy effective date is [redacted] which is after the closing date and funding date of [redacted] |  |  |  | Reviewer Comment (2022-03-03): Exception Cleared: Received the Expired Hazard Insurance in Trailing Document of Policy Period: [redacted] to [redacted], Which Clarifies that the Current Hazard Policy is Renewed Policy. Expired Hazard Policy Doc ID: [redacted], Renewed Hazard Doc ID: [redacted].<br>Seller Comment (2022-03-02): hoi <br> On this [redacted], the effective date is [redacted] as it is the renewal date on the current year of the Insurance. | 03/03/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Investment | Refinance - Cash-out - Debt Consolidation |  | C | A | C | A | A | A | A | A | N/A | N/A | No |
| 223812583 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Statement or Closing Statement for additional property. |  |  |  | Reviewer Comment (2022-03-17): Documentation provided. Exception cleared<br>Seller Comment (2022-03-17): Taxes and Insurance for[redacted] uploaded<br>Reviewer Comment (2022-03-17): The payment has been updated. Please provide evidence of tax and insurance for[redacted]<br>Seller Comment (2022-03-16): The new [redacted] loan for [redacted] was cancelled and is no longer in process. Existing mortgage appears on the credit report as INVESTORS account #[redacted]at $[redacted]/m (see page [redacted]of original file upload). Taxes and Insurance total $[redacted]/m. Total qualifying payment for property located at[redacted]is $[redacted]/m. No impact to borrower's ability to qualify. DTI remains at [redacted]%.<br>Reviewer Comment (2022-03-15): We can't accept an estimated payment. Please provide the original mortgage statement for calculation purposes for[redacted]<br>Seller Comment (2022-03-14): PLEASE WAIVE FINDING. [redacted]is requiring documentation which cannot be provided at this point in time. Underwriter qualified borrower using a PITIA payment of $[redacted]/m for the property located at [redacted], as evidenced on the provided URLA, as well as the [redacted]for same property which was included in the original loan package (pages[redacted]). A copy of the Loan Estimate has been uploaded to [redacted] for [redacted]review however, a Closing Disclosure and/or final Settlement Statement for this transaction is not yet available as the loan is still in process and is not scheduled to close until [redacted].<br>Reviewer Comment (2022-03-03): Please provide following documentation on borrower's REO property "[redacted]"<br>[redacted]. Provide closing statement reflecting [redacted] being paid off.<br>[redacted]. Statement reflecting monthly payment is being excrowed with tax and insurance.<br> If payment is not escrowed with tax and insurance, then please provide Tax certificate and insurance policy.<br>[redacted]. Provide documentation for HOA if applicable.<br>Reviewer Comment (2022-02-28): Please provide evidence of PITI for primary residence.<br>Seller Comment (2022-02-25): Please waive finding. The [redacted] loan for [redacted][redacted] [redacted]Street has not closed yet. The UW provided in the file the [redacted]from [redacted] that shows the breakdown of PITIA and UW is using the higher mortgage payment with [redacted] $[redacted]over Invstrs $[redacted]. Please see page(s) [redacted]and [redacted]in the initial upload for the [redacted]on [redacted] | 03/17/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Investment | Refinance - Cash-out - Debt Consolidation |  | C | A | C | A | A | A | A | A | N/A | N/A | No |
| 223812584 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year [redacted] Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year [redacted]of [redacted]on Final Closing Disclosure provided on [redacted] not accurate. | Final Closing Disclosure indicated Non Escrowed Property Costs Year [redacted]based on HOA dues from appraisal, $[redacted]yearly. Final CD indicated actual HOE fees per year $[redacted]. |  |  |  | Reviewer Comment (2022-11-10): Lender has granted blanked approval to Waive this open EV2 exception. |  |  | 11/10/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| 223812584 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[redacted]. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2022-10-12): documentation provided. Exception cleared<br>Seller Comment (2022-10-12): RCE showing $[redacted].<br>Reviewer Comment (2022-10-06): Replacement Cost Dwelling states "[redacted]% Replacement Cost Up to Policy Limit". Coverage of $[redacted]is less than both the loan amount and estimated cost new according to the appraisal. This coverage does not appear to be sufficient. Please obtain evidence from insurance company that $[redacted]is the insurance company's limit on this property because that is their replacement cost<br>Seller Comment (2022-10-06): Evidence of Insurance included in submission package (page [redacted]) states "[redacted]% replacement cost." | 10/12/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223812584 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted]([redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted]([redacted]) business days prior to closing. Borrower signed CD on [redacted], closing dated [redacted]. Provided E-signature verifying borrower received [redacted]business day prior to closing |  |  |  | Reviewer Comment (2022-10-13): [redacted]received[redacted] CD received [redacted]business days prior to consummation.<br>Seller Comment (2022-10-13): Signed initial CD and e-sign log for proof acceptable timing prior to close<br>Reviewer Comment (2022-10-13): [redacted]received [redacted] CD without receipt. Please provide documentation of receipt if available. Please provide documentation if the CD was received three days prior to consummation or earlier for review.<br>Seller Comment (2022-10-12): Initial CD/COC | 10/13/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223812584 | xx | xx | xx | xx |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Refinance purpose discrepancy. |  | This is a Cash - out Refi debt consolidation loan |  |  |  | Reviewer Comment (2022-10-06): exception cleared<br>Seller Comment (2022-10-06): Neither the final [redacted]or the final URLA identify the purpose of cash-out as "Other." The final [redacted]correctly reflects "Cash-Out Refinance" and Section [redacted]of the final URLA correctly reflects "Refinance." | 10/06/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223812585 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided <br> Cure for various [redacted]% tolerance violations for Transfer Tax in the amount of $[redacted] was not provided. No valid change of circumstance was provided in the loan file. Provide a post-close CD disclosing the tolerance cure of $[redacted], copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-11-02): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected PCCD.<br>Seller Comment (2022-11-01): PCCD and $[redacted]cure |  | 11/02/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223812585 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for [redacted]Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Per [redacted] [redacted] Expanded guidelines required second appraisal fee, per approval. |  |  |  | Reviewer Comment (2022-11-02): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected PCCD.<br>Seller Comment (2022-11-01): PCCD and $[redacted]cure |  | 11/02/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223812585 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] [redacted] - [redacted]% Points and Fees | [redacted] [redacted][redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). | A price change occurred on [redacted] resulting in an increase Points and Fees on subject loan of [redacted]%. A valid change of circumstance was provided |  |  |  | Reviewer Comment (2022-11-10): Lender has granted blanked approval to Waive this open EV2 exception. |  |  | 11/10/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | NV | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223812586 | xx | xx | xx | xx |  |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  |  |  |  |  | Reviewer Comment (2019-05-20): Collections and charge-offs < [redacted]months old with a maximum cumulative balance of $[redacted]may remain open.<br>Buyer Comment (2019-05-20): Not paying off the collection for $[redacted]meets guidelines. | 05/01/2019 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | DC | Primary | Refinance - Cash-out - Other |  | B | A | B | A | A | A | A | A | Non QM | Non QM | No |
| 223812588 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Initial Closing Disclosure not provided to Borrower(s) at least [redacted]([redacted]) business days prior to closing. |  |  |  | Reviewer Comment (2024-02-14): [redacted]received a valid COC.<br>Seller Comment (2024-02-13): (Rate Lock) Disclosure tracking provided, initial CD sent and received[redacted]. | 02/14/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase | No Defined Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223812588 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted]([redacted]) business days of application. | Initial Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted]([redacted]) business days of application. |  |  |  | Reviewer Comment (2024-02-20): [redacted]received initial LE.<br>Seller Comment (2024-02-16): (Rate Lock) [redacted] LE provided<br>Reviewer Comment (2024-02-15): The only LE in the loan file is dated[redacted]. Please provide any earlier LEs issued to the borrower for review and testing.<br>Seller Comment (2024-02-13): (Rate Lock) Disclosure Tracking Provided, initial LE sent [redacted] | 02/20/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase | No Defined Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223812588 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. | Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. |  |  |  | Reviewer Comment (2024-02-20): [redacted]received Seller CD. | 02/20/2024 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | GA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223812588 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Insurance Binder Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Title - Insurance Binder Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-02-20): VCC is acceptable | 02/20/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223812588 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/07/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223812588 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Seven Day Waiting Period | TILA-RESPA Integrated Disclosure: Loan Estimate was not delivered or placed in the mail to the borrower at least [redacted]([redacted]) business days prior to closing. | Loan Estimate was not delivered or placed in the mail to the borrower at least [redacted]([redacted]) business days prior to closing |  |  |  | Reviewer Comment (2024-02-20): [redacted]received initial LE.<br>Seller Comment (2024-02-16): (Rate Lock) Initial LE was dated [redacted], providing here due to being left off initial upload<br>Reviewer Comment (2024-02-15): Initial CD, dated [redacted], was received on [redacted] which is less than [redacted]days from closing on[redacted]. This is a timing exception with no visible means to cure.<br>Seller Comment (2024-02-13): (Rate Lock) Disclosure Tracking Provided, initial LE sent [redacted] | 02/20/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase | No Defined Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223812588 | xx | xx | xx | xx |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | The file was missing required asset verification. Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for [redacted]days or sourced. Lender to provide additional statement for [redacted] Plan Account. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-02-20): Client elects to waive. Comp factors: [redacted]% DTI, employed [redacted]& [redacted]% LTV<br>Buyer Comment (2024-02-13): [redacted]to review |  |  | 02/20/2024 | 2 | C | B | C | B | C | B | C | B | C | B |  | GA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223812588 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-02-14): Sufficient Cure Provided At Closing |  | 02/14/2024 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | GA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223812588 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a [redacted]lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. (Points and Fees testing limited to Borrower paid fees.) | Seller fees do not match borrower final CD. |  |  |  | Reviewer Comment (2024-02-23): [redacted]received seller settlement statement<br>Seller Comment (2024-02-21): (Rate Lock) Seller CD provided and the purchase agreement states the seller was not contributing to buyer's closing costs. | 02/23/2024 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | GA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223812588 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - After Hours Closing Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-02-21): Sufficient Cure Provided At Closing |  | 02/21/2024 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | GA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223812592 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (x-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted]([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 06/24/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| 223812592 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2024-06-24): Sufficient Cure Provided At Closing |  | 06/24/2024 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes |
| 223812595 | xx | xx | xx | xx |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 08/29/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Rate/Term |  | B | B | B | B | A | A | A | A | Non QM | Non QM | No |
| 223812595 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient Cure provided at Closing. |  |  |  | Reviewer Comment (2024-08-29): Sufficient Cure Provided At Closing |  | 08/29/2024 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes |
| 223812596 | xx | xx | xx | xx |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The file was missing a copy of the final title policy. |  |  |  |  |  |  | 08/28/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | N/A | N/A | No |
| 223812597 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | Lender Credits was last disclosed as -$[redacted]on LE but disclosed as -$[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-11-25): [redacte] Received Corrected PCCD, LOE, Refund Check and Proof of Mailing. Also received interim CD along with valid COC's.<br>Seller Comment (2024-11-25): Attached please find [redacted] CDs and Manual COCs for [redacted] [redacted]and [redacted] [redacted. There were [redacted] more Lock extensions that happened on this loan before the borrower signed the documents on [redacted][redacted]h. Please send these[redacted]attachments to the investor.<br> The last CD on [redacted] [redacted]th shows the Lenders credit at [redacted]. There were [redacted] more lock extensions completed on [redacted] [redacted]th and [redacted][redacted]th, which we did not issue a CD or COC on. These changes are what made the Lender credit go down to [redacted]which showed up on our PCCD.<br> We need to refund the borrower $[redacted]which is the difference between our last CD dated [redacted] [redacted]th and what we disclosed on the PCCD. ([redacted]- [redacted]= [redacted]). Cure amount for $[redacted] should be sufficient to cure the finding.<br>Seller Comment (2024-11-25): Attached please find [redacted]CDs and Manual COCs for [redacted][redacted]and [redacted][redacted]. There were [redacted]more Lock extensions that happened on this loan before the borrower signed the documents on [redacted][redacted]. Please send these [redacted]attachments to the investor.<br> The last CD on [redacted][redacted]shows the Lenders credit at [redacted]. There were [redacted]more lock extensions completed on [redacted][redacted]and [redacted][redacted], which we did not issue a CD or COC on. These changes are what made the Lender credit go down to [redacted]which showed up on our PCCD.<br> We need to refund the borrower $[redacted]which is the difference between our last CD dated [redacted][redacted]and what we disclosed on the PCCD. ([redacted]). Cure amount for $[redacted]should be sufficient to cure the finding.<br>Seller Comment (2024-11-25): Attached please find [redacted] CDs and Manual COCs for [redacted][redacted]and [redacted][redacted]. There were [redacted]more Lock extensions that happened on this loan before the borrower signed the documents on [redacted]. Please send these [redacted]attachments to the investor.<br> The last CD on[redacted] shows the Lenders credit at [redacted]. There were [redacted]more lock extensions completed on [redacted] and [redacted][redacted], which we did not issue a CD or COC on. These changes are what made the Lender credit go down to [redacted]which showed up on our PCCD.<br> We need to refund the borrower $[redacted]which is the difference between our last CD dated [redacted][redacted]and what we disclosed on the PCCD. ([redacted]). Cure amount for $[redacted]should be sufficient to cure the finding.<br>Reviewer Comment (2024-11-25): [redacted]received Post CD,LOX,Copy of refund check and proof of mailing for $[redacted]. However, we would require additional cure of $[redacted]along with cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Seller Comment (2024-11-22): Tolerance Cure check and supporting documents attached. |  | 11/25/2024 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223812597 | xx | xx | xx | xx |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2024-11-13): Received and associated Title Preliminary. Exception is cleared.<br>Seller Comment (2024-11-13): We don't have the final policy as that is usually followed by the purchase with the trailing docs. But attached is the preliminary title policy | 11/13/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Rate/Term |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223812597 | xx | xx | xx | xx |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated Available for Reserves of [redacted] is less than Guideline Available for Reserves of [redacted]months. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-19): Client elects to waive. Comp factors: [redacted]FICO, [redacted]% LTV & owned subject [redacted]yrs<br>Buyer Comment (2024-11-19): [redacted]to review<br>Reviewer Comment (2024-11-18): Subject is Non-QM Fixed [redacted] program hence [redacted] Non-QM Underwriting Guidelines [redacted] used. On page [redacted]ACCEPTABLE FUNDS: Funds from a business account (if the Borrower is the sole owner (or other owner is non-borrowing spouse) of the company and the company's CPA provides a statement indicating withdrawal of the funds will not negatively impact the business OR meet [redacted] guidance for cash flow analysis) may be used for down payment and reserves. Exception remains.<br>Seller Comment (2024-11-15): We do not ask for a CPA letter on [redacted]-year product or any products other than DSCR MAX. [redacted]has also dismantled this requirement. Attached is an LOE showing [redacted] guidelines and [redacted] guidelines.<br>Reviewer Comment (2024-11-15): Funds from Business Bank Statements are not considered as CPA letter or Cash Flow Analysis is not available in file. Per [redacted] guidelines, Funds from a business account (if the Borrower is the sole owner (or other owner is non-borrowing spouse) of the company and the company's CPA provides a statement indicating withdrawal of the funds will not negatively impact the business OR meet [redacted] guidance for cash flow analysis) may be used for down payment and reserves. Exception remains.<br>Seller Comment (2024-11-14): I think you might be missing the [redacted] account attached. We included it in our review. |  |  | 11/19/2024 | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Refinance - Rate/Term |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223812597 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank xxxx): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2024-11-19): [redacted]waived reserve requirement. Exception cleared.<br>Buyer Comment (2024-11-19): [redacted]to review | 11/19/2024 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223812597 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2024-11-19): [redacted]waived reserve requirement. Exception cleared.<br>Buyer Comment (2024-11-19): [redacted]to review | 11/19/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Rate/Term |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223812599 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2023-01-23): Received evidence appraisal was sent to the borrower. Exception cleared.<br>Seller Comment (2023-01-23): appraisal delivery | 01/23/2023 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223812599 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | [redacted]HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted].% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2023-01-23): Received evidence appraisal was sent to the borrower. Exception cleared. | 01/23/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223812599 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2023-01-23): Received evidence appraisal was sent to the borrower. Exception cleared.<br>Seller Comment (2023-01-20): appraisal acknowledgment | 01/23/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223812599 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | The subject property is located in a FEMA disaster area that does not have a declared end date. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: XX/XX/XX | SitusAMC,Aggregator | Reviewer Comment (2023-01-23): Client elects to waive: appraisal completed post disaster and pics do not indicate damage<br>Reviewer Comment (2023-01-23): Client to review. Received Disaster Inspection dated [redacted] reflecting no damage. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted].<br>Seller Comment (2023-01-20): post disaster |  |  | 01/23/2023 | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223812599 | xx | xx | xx | xx |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower has worked in the same position for more than [redacted] years. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2023-01-23): Client elects to waive: [redacted]FICO, borrower on job [redacted]years & conservative use of credit<br>Reviewer Comment (2023-01-23): Client to review. Lender exception provided.<br>Seller Comment (2023-01-20): investor exception |  |  | 01/23/2023 | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223812599 | xx | xx | xx | xx |  |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift letter in file for $[redacted]is incomplete. |  |  |  | Reviewer Comment (2023-01-23): Received gift letter. Exception cleared.<br>Reviewer Comment (2023-01-23): Gift letter received is same as previously provided and is incomplete. The letter is missing the donor name, recipient, relationship, source of gift, and date funds were transferred. Please provide completed gift letter. Exception remains.<br>Seller Comment (2023-01-20): gift letter | 01/23/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223812601 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2023-02-09): [redacted] supporting value has been provided. | 02/09/2023 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | CA | Primary | Purchase |  | D | B | A | A | C | B | D | A | Non QM | Non QM | No |
| 223812601 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted]business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2023-02-06): Proof of appraisal delivery and receipt to borrower was provided.<br>Seller Comment (2023-02-02): Please see the attached E-Sign Cert and Disclosure History showing proof of receipt of the appraisal. | 02/06/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | D | B | A | A | C | B | D | A | Non QM | Non QM | No |
| 223812601 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] [redacted] - [redacted]% Points and Fees | [redacted] [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted](an overage of $[redacted]or [redacted]%). | [redacted] points and fees Total fees financed by lender is $[redacted]. Threshold maximum is $[redacted] |  |  |  | Reviewer Comment (2023-02-08): Client elects to waive.<br>Reviewer Comment (2023-02-06): Client to review.<br>Seller Comment (2023-02-02): Please note that the [redacted] [redacted] points and fees also known as QM test does not apply to this product type (bank statement) as it is a non-agency loan.<br>Bank Statement loans are not subject to QM, [redacted], [redacted] or State-Specific high cost testing. They are still required to pass [redacted] and our investors will take [redacted] fails on them as long as all the requirements are met. i.e. (no appraisal wavier, no escrow waiver, and not [redacted])<br>Our contract states that XXXXX will buy HPML as long as all the requirements were met, as they were on this loan. |  |  | 02/08/2023 | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | A | A | C | B | D | A | Non QM | Non QM | Yes |
| 223812601 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. | The appraisal was not in the name of the lender. HPML/Safe Harbor requires correct lender to be identified. Provide a revised appraisal correcting the client. |  |  |  | Reviewer Comment (2023-02-06): Appraisal transfer letter was provided.<br>Reviewer Comment (2023-02-06): Provide the appraisal transfer letter.<br>Seller Comment (2023-02-02): This is a transferred appraisal and was still valid at the time of the origination of this loan. This is also a correspondent loan. | 02/06/2023 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | D | B | A | A | C | B | D | A | Non QM | Non QM | No |
| 223812601 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | The Loan is a HPML due to the APR of [redacted]% on the final disclosure exceeds allowable threshold of [redacted]%. |  |  |  | Reviewer Comment (2023-02-06): Proof of appraisal delivery and receipt to borrower was provided.<br>Seller Comment (2023-02-02): Bank Statement loans are not subject to QM, [redacted], [redacted] or State-Specific high cost testing. They are still required to pass [redacted] and our investors will take [redacted] fails on them as long as all the requirements are met. i.e. (no appraisal wavier, no escrow waiver, and not XXXXX)<br>Our contract states that XXXXX will buy HPML as long as all the requirements were met, as they were on this loan. | 02/06/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | D | B | A | A | C | B | D | A | Non QM | Non QM | No |
| 223812601 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | The appraisal was not in the name of the lender. HPML/Safe Harbor requires correct lender to be identified. Provide a revised appraisal correcting the client. |  |  |  | Reviewer Comment (2023-02-06): Appraisal transfer letter was provided.<br>Seller Comment (2023-02-02): XX/XX/XX - [redacted]: Please see attached Transfer letter, confirming XXXXX as the lender. Note that XXXXX is not considered the lender is this situation due to the loan being a correspondent. | 02/06/2023 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | D | B | A | A | C | B | D | A | Non QM | Non QM | No |
| 223812603 | xx | xx | xx | xx |  |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit Report is missing in the file. |  |  |  | Reviewer Comment (2023-07-06): Credit report provided. Exception cleared.<br>Seller Comment (2023-07-03): (XXXXX) credit report | 07/06/2023 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | IN | Investment | Purchase |  | D | B | D | B | A | A | A | A | N/A | N/A | No |
| 223812603 | xx | xx | xx | xx |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Guidelines require CPA letter reflecting withdrawal of funds will not negatively impact business in order for business funds to be used for closing and reserves. CPA letter in file does not address the withdrawal of funds. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-07-05): Client elects to waive. Comp factors: Fico = [redacted]; Residual Income = [redacted]; SE > [redacted]years |  |  | 07/05/2023 | 2 | C | B | C | B | C | B | C | B | C | B |  | IN | Investment | Purchase |  | D | B | D | B | A | A | A | A | N/A | N/A | No |
| 223812603 | xx | xx | xx | xx |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | The file was missing required asset verification. Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for [redacted]days or sourced. Lender to provide additional statement. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-07-05): Client elects to waive. Comp factors: Fico = [redacted]; Residual Income = [redacted]; SE > [redacted]years |  |  | 07/05/2023 | 2 | C | B | C | B | C | B | C | B | C | B |  | IN | Investment | Purchase |  | D | B | D | B | A | A | A | A | N/A | N/A | No |
| 223812603 | xx | xx | xx | xx |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | The file was missing required asset verification. Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for [redacted]days or sourced. Lender to provide additional statement. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-07-05): Client elects to waive. Comp factors: Fico = [redacted]; Residual Income = [redacted]; SE > [redacted]years |  |  | 07/05/2023 | 2 | C | B | C | B | C | B | C | B | C | B |  | IN | Investment | Purchase |  | D | B | D | B | A | A | A | A | N/A | N/A | No |
| 223812603 | xx | xx | xx | xx |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | The file was missing required asset verification. Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for [redacted]days or sourced. Lender to provide additional statement. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-07-05): Client elects to waive. Comp factors: Fico = [redacted]; Residual Income = [redacted]; SE > [redacted] years |  |  | 07/05/2023 | 2 | C | B | C | B | C | B | C | B | C | B |  | IN | Investment | Purchase |  | D | B | D | B | A | A | A | A | N/A | N/A | No |
| 223812603 | xx | xx | xx | xx |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of $[redacted]are insufficient to meet cash to close of $[redacted]. Final [redacted] reflects $[redacted]verified, however, asset documentations provided did not meet guideline requirements. |  |  |  | Reviewer Comment (2023-07-05): XXXXX waived exception for missing CPA letter and [redacted] day seasoning. Exception cleared. | 07/05/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IN | Investment | Purchase |  | D | B | D | B | A | A | A | A | N/A | N/A | No |
| 223812603 | xx | xx | xx | xx |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Calculated Available for Reserves of $[redacted] is less than Guideline Available for Reserves of $[redacted]. |  |  |  | Reviewer Comment (2023-07-05): XXXXX waived exception for missing CPA letter and [redacted] day seasoning. Exception cleared. | 07/05/2023 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IN | Investment | Purchase |  | D | B | D | B | A | A | A | A | N/A | N/A | No |
| 223812606 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] - [redacted]Points and Fees | [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). | [redacted] Points and Fees exceed allowable threshold by $[redacted]or .[redacted]%. |  |  |  |  |  |  | 10/18/2023 | 2 | B | B | B | B | B | B | B | B | B | B |  | MI | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes |
| 223812609 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xx/x/xxxx, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[redacted]may be required. | Loan estimate not provided. |  |  |  | Reviewer Comment (2022-06-15): XXXXX received the initial LE.<br>Seller Comment (2022-06-13): LE<br> TRID<br>Seller Comment (2022-06-13): Please see the attached Initial LE and TRID history showing proof of delivery and receipt. | 06/15/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| 223812609 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] [redacted] - [redacted]% Points and Fees | [redacted] [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of $[redacted](an overage of $[redacted]or [redacted]%). | Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of [redacted] vs. an investor allowable total of $[redacted](an overage of $[redacted],[redacted][redacted]or [redacted]%). |  |  |  | Reviewer Comment (2022-06-16): Client elects to waive.<br>Reviewer Comment (2022-06-15): Client to review.<br>Seller Comment (2022-06-13): Disagree - Please note that the [redacted] [redacted] points and fees also known as QM test does not apply to this product type (bank statement) as it is a non-agency loan.<br>Bank Statement loans are not subject to QM or [redacted]and [redacted]high cost testing. They are still required to pass Hoepa and our investors will take [redacted] fails on them as long as all the requirements are met. i.e. (no appraisal wavier, no escrow waiver, and not [redacted])<br>Our contract states that XXXXX will buy [redacted] as long as all the requirements were met, as they were on this loan. |  |  | 06/16/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223812609 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Insurance Binder Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted]on Initial Closing Disclosure but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-14): XXXXX upon further review received LE hence no further action required.<br>Seller Comment (2022-06-13): CS XX/XX/XX All title fees are not subject to tolerance as the borrower chose a title service provider that was not on the SPL. TRID [redacted] clarified in the Commentary to TILA [redacted] that this is true even if a fee was omitted from the initial LE. Please see attached SPL and final CD.<br>Seller Comment (2022-06-13): CS XX/XX/XX All title fees are not subject to tolerance as the borrower chose a title service provider that was not on the [redacted]. TRID [redacted] clarified in the Commentary to TILA [redacted] that this is true even if a fee was omitted from the initial LE. Please see attached SPL and final CD. | 06/14/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223812611 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted] valuation is missing.; Sec ID: [redacted] |  | The file is missing a copy of the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-08-17): Received subject property XXXXX Submission summary report where UW risk score is [redacted]so [redacted] valuation not a requirement updated the details. Exception Cleared<br>Seller Comment (2022-08-16): Please see the SSR Report. The Collateral UW Risk Score is [redacted]. A XXXXX will not be required. | 08/17/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | MA | Primary | Refinance - Cash-out - Other |  | D | B | C | A | B | B | D | A | Non QM | Non QM | No |
| 223812611 | xx | xx | xx | xx |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated Available for Reserves of is less than Guideline Available for Reserves of [redacted]months |  |  |  | Reviewer Comment (2022-08-24): Received XXXXX Retirement account statements for borrower XXXXX account# XXXXX updated the details, available assets are sufficient for PITIA Reserves. Exception Cleared<br>Seller Comment (2022-08-23): Please see additional assets. The borrower has a retirement account with sufficient amount of funds.<br>Reviewer Comment (2022-08-19): Only $XXXXX has been verified for assets. No additional asset documentation has been provided. Exception remains.<br>Seller Comment (2022-08-18): There is verified assets of $XXXXX. Which is sufficient enough. Please advise.<br>Reviewer Comment (2022-08-17): Received Borrower assets statements updated the same, available assets are insufficient for PITIA months reserves, verified PITIA months are [redacted] and per guideline PITIA months reserves of [redacted], Please provide additional assets to meet the PITIA reserves requirement. Exception Remains<br>Seller Comment (2022-08-16): Please see the bank statements. | 08/24/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Refinance - Cash-out - Other |  | D | B | C | A | B | B | D | A | Non QM | Non QM | No |
| 223812611 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Compliant | XXXXX Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXXX% is in excess of allowable threshold of APOR [redacted]% + [redacted]%, or [redacted]% Compliant Higher Priced Loan. | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of XXXXX% or Final Disclosure APR of XXXXX% is in excess of allowable threshold [redacted]% + [redacted]%, or [redacted]% Compliant Higher Priced Loan. |  |  |  | Reviewer Comment (2022-08-18): Client elects to waive.<br>Seller Comment (2022-08-18): What is being required ? What is our curative options?<br>Reviewer Comment (2022-08-17): Client to review.<br>Seller Comment (2022-08-16): Please see compliance report. Loan passed compliance. |  |  | 08/18/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure | D | B | C | A | B | B | D | A | Non QM | Non QM | No |
| 223812611 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2022-08-19): Received List of Homeownership Counselling disclosure dated XX/XX/XX updated the details. Exception Cleared<br>Seller Comment (2022-08-18): Please see Homeownership Counseling Organization List. | 08/19/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | MA | Primary | Refinance - Cash-out - Other |  | D | B | C | A | B | B | D | A | Non QM | Non QM | No |
| 223812612 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank XXXXX): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2022-01-03): Client elects to waive. |  |  | 01/03/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| 223812613 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | (Doc Error) RTC Error: Right to Cancel expiration date is blank. |  | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  |  | Reviewer Comment (2018-12-31): [redacted] received an attestation for RTC form does not have a place for an expiration date. Borrower signed and loan funded after xrd business day. | 12/31/2018 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812613 | xx | xx | xx | xx |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2019-01-07): Rec'd Final CD in trailing docs.<br>Buyer Comment (2019-01-02): see comment on duplicate reserve cond.<br>Reviewer Comment (2019-01-02): Nothing uploaded | 01/07/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation |  | D | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223812613 | xx | xx | xx | xx |  |  | Credit | Guideline | Guideline Issue | Guideline | PITIA months reserves is less than [redacted]months and below guideline minimum requirements. |  |  |  |  |  | Reviewer Comment (2019-01-07): Rec'd Final CD in trailing docs.<br>Buyer Comment (2019-01-02): please see final CD, borrower received cash back from transaction for reserves.<br>Reviewer Comment (2019-01-02): Nothing uploaded | 01/07/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation |  | D | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223812613 | xx | xx | xx | xx |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2019-01-07): Rec'd Final CD in trailing docs.<br>Reviewer Comment (2019-01-02): Nothing uploaded | 01/07/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation |  | D | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223812613 | xx | xx | xx | xx |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only [redacted] valuation product when [redacted] are required. |  |  |  |  |  | Reviewer Comment (2019-01-07): Re-opened as EVx | 01/07/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation |  | D | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223812613 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Defect | (TXxx(a)(x)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Properly Executed by all persons vested on title) | [redacted] Constitution Section xx([redacted]: Acknowledgment of the Fair Market Value not properly executed. |  |  |  |  | Reviewer Comment (2018-12-31): cleared | 12/31/2018 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | D | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812613 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Defect | (TXxx(a)(x)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | [redacted] Constitution Section xx[redacted]: Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  |  |  | Reviewer Comment (2018-12-31): cleared | 12/31/2018 |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | D | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812613 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Defect | (TXxx(a)(x)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | [redacted] Constitution Section xx[redacted]: Final Itemized disclosure of fees, points, costs and charges not provided to borrower. |  |  |  |  | Reviewer Comment (2019-01-02): Rec'd CD signed and rec'd by borrower on xx/xx/xxxx<br>Reviewer Comment (2019-01-02): Nothing uploaded | 01/02/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | D | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812613 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least [redacted] (x) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  | Reviewer Comment (2018-12-31): ARM disclosure received. | 12/31/2018 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation |  | D | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223812613 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Unable to test RTC expiration date due to missing information. | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  |  | Reviewer Comment (2018-12-31): [redacted] received an attestation for RTC form does not have a place for an expiration date. Borrower signed and loan funded after xrd business day.<br>Reviewer Comment (2018-12-27): Under xxxx.xx(b)(x), "The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following:<br> The retention or acquisition of a security interest in the consumer's principal dwelling.<br> (ii) The consumer's right to rescind the transaction.<br> (iii) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor's place of business.<br> (iv) The effects of rescission, as described in paragraph (d) of this section.<br> (v) The date the rescission period expires." | 12/31/2018 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812613 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Total Interest Percentage | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) | The amounts do not match. |  |  |  | Reviewer Comment (2019-01-07): Letter of Explanation & Corrected Closing Disclosure provided<br>Reviewer Comment (2018-12-31): Final CD TIP = xxx.xxx / Calculated TIP = xxx.xxx. Did not receive any documentation for a cure. A Corrected CD and LOE are required. |  | 01/07/2019 |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812613 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) | An amount was not disclosed. |  |  |  | Reviewer Comment (2018-12-31): [redacted] received | 12/31/2018 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812613 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $x,xxx.xx exceeds tolerance of $x.xx. Insufficient or no cure was provided to the borrower. (xxxx) | Lender did not provide a cure for the fee violation. There is no valid changed circumstance document in the file for the program change from fixed rate to an ARM loan with the addition of a discount fee. |  |  |  | Reviewer Comment (2018-12-31): [redacted] received | 12/31/2018 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812613 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: [Redacted] | Missing documentation showing co-borrower's business was in existence within [redacted] days of closing. |  |  |  | Reviewer Comment (2019-01-02): Rec'd<br>Reviewer Comment (2019-01-02): Nothing uploaded | 01/02/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation |  | D | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223812613 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  | Reviewer Comment (2018-12-31): [redacted] booklet received. | 12/31/2018 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | D | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223812613 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) | PC-CD cures exception with LOE. Duplicate exception |  |  |  | Reviewer Comment (2019-01-07): PC-CD cures exception with LOE. Duplicate exception |  | 01/07/2019 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812613 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Total Interest Percentage | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) | PC-CD cures exception with LOE. Duplicate exception |  |  |  | Reviewer Comment (2019-01-07): PC-CD cures exception with LOE. Duplicate exception |  | 01/07/2019 |  | 2 |  | B |  | B |  | B |  | B |  | B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812613 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-x/Final Closing Disclosure. |  |  |  |  | Buyer Comment (2019-01-08): [redacted] accepts |  |  | 01/08/2019 | 2 |  | B |  | B |  | B |  | B |  | B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | D | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812613 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Defect | (TXxx(a)(x)) Texas Cash-out Loan (Points and Fees Exceeds x% of Original Principal Balance) | [redacted] Constitution Section xx([redacted] Points and fees on subject loan of x.xxxxx% is in excess of the allowable maximum of [redacted]% of the Original Principal Loan Amount. Points and Fees total $x,xxx.xx on an Original Principal Loan Amount of $xxx,xxx.xx vs. an allowable total of $x,xxx.xx (an overage of $xxx.xx or x.xxxxx%.) |  |  |  |  | Reviewer Comment (2019-01-09): ALTA reflects the same values as the PCCD shows indicating the amounts on the PCCD was what were actually charged to the borrower at closing, before disbursement. [redacted] [redacted] points and fees failure on this loan is cleared. | 01/09/2019 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | D | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812613 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Missing [redacted] valuation product required for securitization. |  |  |  |  |  | Reviewer Comment (2019-03-26): Received [redacted] | 03/26/2019 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation |  | D | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223812614 | xx | xx | xx | xx |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Lender Exception is in the file for DTI up to [redacted]% as it will be allowed on upcoming guideline change. However, DTI of [Redacted] % exceeds the [redacted]% DTI that was approved. |  |  |  | Reviewer Comment (2019-02-14): Updated student loan debt to reflect [redacted] monthly payment under income driven repayment plan.<br>Buyer Comment (2019-02-14): see [redacted] upload titled statement<br>Buyer Comment (2019-02-14): per uw - Please upload attached student loan statement and provide comments to [Redacted] : <br> See attached Income-driven payment plan to qualify with $[redacted] payment per [redacted] section of guides. <br>this should address all DTxx/xxTR conditions. | 02/14/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223812614 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2019-02-14): No prior property sales in last [redacted] months | 02/14/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223812614 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk |  | Non QM Loan |  |  |  | Reviewer Comment (2019-02-26): Exception approval with compensating factors provided.<br>Reviewer Comment (2019-02-26): Updated from: Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.<br>Reviewer Comment (2019-02-20): Rec'd same Lender exception form reflecting invalid comp factors; Borrower does not have VOR - no housing history and borrower does not have [redacted] residual income; please provide lender exception approval form with valid comp factors.<br>Reviewer Comment (2019-02-19): Rec'd financial statements for student loan debt; monthly payment has been updated to [redacted] and DTI still exceeds [Redacted] guideline max. Lender exception approval does not reflect valid comp factors; no VOR and borrower has only [Redacted] residual income. Calculated DTI is [Redacted] .<br>Reviewer Comment (2019-02-14): exception is valid<br>Reviewer Comment (2019-02-14): Updated student loan debt to reflect [redacted] monthly payment under income driven repayment plan. | 02/26/2019 |  |  | 1 | A | A | C | A | B | A | C | A | A | A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223812614 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines |  | DTI exceeds [redacted]%. |  |  |  | Reviewer Comment (2019-02-26): Exception approval with compensating factors provided.<br>Reviewer Comment (2019-02-26): Updated from: Ability to Repay ([redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk.<br>Reviewer Comment (2019-02-20): Rec'd same Lender exception form reflecting invalid comp factors; Borrower does not have VOR - no housing history and borrower does not have [redacted] residual income; please provide lender exception approval form with valid comp factors.<br>Reviewer Comment (2019-02-19): Rec'd financial statements for student loan debt; monthly payment has been updated to [redacted] and DTI still exceeds [Redacted] guideline max. Lender exception approval does not reflect valid comp factors; no VOR and borrower has only [Redacted] residual income. Calculated DTI is [Redacted] .<br>Reviewer Comment (2019-02-14): Exception is valid<br>Reviewer Comment (2019-02-14): Updated student loan debt to reflect [redacted] monthly payment under income driven repayment plan. | 02/26/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223812614 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [Redacted] % moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  | Guideline variance approved by lender at time of origination |  | Aggregator | Reviewer Comment (2019-02-26): Exception approval with compensating factors provided.<br>Reviewer Comment (2019-02-26): Updated from: Ability to Repay ([redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [Redacted] % moderately exceeds the guideline maximum of [redacted]. (DTI Exception is eligible to be regraded with compensating factors.)<br>Reviewer Comment (2019-02-20): Rec'd same Lender exception form reflecting invalid comp factors; Borrower does not have VOR - no housing history and borrower does not have [redacted] residual income; please provide lender exception approval form with valid comp factors.<br>Reviewer Comment (2019-02-19): Rec'd financial statements for student loan debt; monthly payment has been updated to [redacted] and DTI still exceeds [Redacted] % guideline max. Lender exception approval does not reflect valid comp factors; no VOR and borrower has only $[Redacted] residual income. Calculated DTI is [Redacted] %.<br>Reviewer Comment (2019-02-14): DTI of [Redacted] exceeds max of [redacted] and lender exception approval does not reflect valid comp factors.<br>Reviewer Comment (2019-02-14): Updated student loan debt to reflect [redacted] monthly payment under income driven repayment plan. |  |  | 02/26/2019 | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223812614 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Lump Sum Allocation | Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges [redacted], then finance charges pursuant to client's election as permitted under [Redacted] . Anti-predatory lending points and fees testing are not impacted. |  |  |  |  | Buyer Comment (2019-02-14): [Redacted] accepts |  |  | 02/14/2019 | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223812614 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Assumption | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx/xxxxcorrectly disclosed whether the loan allows for Assumption. (Finxxxx/xxxx) | The note contains language stating the loan is assumable. The final CD incorrectly states the loan is not assumable. |  |  |  | Reviewer Comment (2019-02-19): Letter of Explanation & Corrected Closing Disclosure provided. |  | 02/19/2019 |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223812614 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year [redacted]of [redacted]on Final Closing Disclosure provided on xxxx/xxxxt accurate. (Finxxxx/xxxx) | The correct amount for Escrowed Property Costs Year [redacted] is $[redacted]. |  |  |  | Reviewer Comment (2019-02-15): [Redacted] received updated HOI. Exception Cleared. | 02/15/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223812614 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx/xxxxsclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. (ProjSeq:[redacted]/[redacted]) | Insurance information in the file shows the annual premium amount of $[redacted]. The escrow reserve for insurance is calculated using a premium of $[redacted]. |  |  |  | Reviewer Comment (2019-02-15): [Redacted] received updated HOI. Exception Cleared. | 02/15/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223812614 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx/xxxxsclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. (ProjSeq:[redacted]/[redacted]) | Insurance information in the file shows the annual premium amount of $[redacted]. The escrow reserve for insurance is calculated using a premium of $[redacted]. |  |  |  | Reviewer Comment (2019-02-15): [Redacted] received updated HOI. Exception Cleared. | 02/15/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223812614 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx/xxxxsclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. (ProjSeq:[redacted]/[redacted]) | Insurance information in the file shows the annual premium amount of $[redacted]. The escrow reserve for insurance is calculated using a premium of $[redacted]. |  |  |  | Reviewer Comment (2019-02-15): [Redacted] received updated HOI. Exception Cleared. | 02/15/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223812614 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx/xxxxsclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. (ProjSeq:[redacted]/[redacted]) | Insurance information in the file shows the annual premium amount of $[redacted]. The escrow reserve for insurance is calculated using a premium of $[redacted]. |  |  |  | Reviewer Comment (2019-02-15): [Redacted] received updated HOI. Exception Cleared. | 02/15/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223812614 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx/xxxxsclosed an Estimated Total Monthly Payment for payment stream [redacted] that does not match the actual total payment for the loan. (ProjSeq:[redacted]/[redacted]) | Insurance information in the file shows the annual premium amount of $[redacted]. The escrow reserve for insurance is calculated using a premium of $[redacted]. |  |  |  | Reviewer Comment (2019-02-15): [Redacted] received updated HOI. Exception Cleared. | 02/15/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223812614 | xx | xx | xx | xx |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2019-02-14): Rec'd proof of gift funds and updated asset account statement | 02/14/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223812614 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing the Credit Report Comparison within [redacted] days of closing. |  |  |  | Reviewer Comment (2019-02-14): Preclose monitoring report in file dated xx/xx/xxxx | 02/14/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223812614 | xx | xx | xx | xx |  |  | Credit | Guideline | Guideline Issue | Guideline | PITIA months reserves is less than [redacted] months and below guideline minimum requirements. |  |  |  |  |  | Reviewer Comment (2019-02-14): Rec'd proof of gift funds and updated asset account statement<br>Buyer Comment (2019-02-14): per uw - Please upload gift documentation for $[Redacted] gift as well as updated balance for [Redacted] | 02/14/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223812614 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | [Redacted] nas | Missing documentation that the business (self-employment) has been in existence for [redacted] years. |  |  |  | Reviewer Comment (2019-02-14): Rec'd verification | 02/14/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223812614 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain x Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Flipped Property - Creditor did not obtain [redacted] [redacted]written appraisals. | No evidence this is a flip. There was a transfer of the subject property xxxx/xxxxdeed records but the transaction was not listed with the [redacted] and the purpose of the transfer is not known. The Price of the Prior Sale/Transfer is $[redacted] |  |  |  | Reviewer Comment (2019-02-14): No prior property sales in last [redacted] months | 02/14/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223812614 | xx | xx | xx | xx |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI exceeds max of [redacted]%; Lender exception approval provided for to DTI to [redacted]with comp factors: $[Redacted] residual income; consumer debt paid as agreed [redacted]months and VOR [redacted]; Comp factors not valid; Residual income of $[Redacted] and no VOR - borrower lives rent free per LOE in file. | Guideline variance approved by lender at time of origination |  | Aggregator | Reviewer Comment (2019-02-26): Exception approval with compensating factors provided.<br>Reviewer Comment (2019-02-20): Rec'd same Lender exception form reflecting invalid comp factors; Borrower does not have VOR - no housing history and borrower does not have [redacted] residual income; please provide lender exception approval form with valid comp factors.<br>Reviewer Comment (2019-02-19): Rec'd financial statements for student loan debt; monthly payment has been updated to [redacted] and DTI still exceeds [Redacted] % guideline max. Lender exception approval does not reflect valid comp factors; no VOR and borrower has only $[Redacted] residual income. Calculated DTI is [Redacted] %. |  |  | 02/26/2019 | 2 |  | B |  | B |  | B |  | B |  | B |  | TX | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223812615 | xx | xx | xx | xx |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2019-02-07): Rec'd Short Form Final policy in trailing docs. | 02/07/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Refinance - Rate/Term |  | C | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223812615 | xx | xx | xx | xx |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2019-02-07): Rec'd Short Form Final policy in trailing docs. | 02/07/2019 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | MA | Primary | Refinance - Rate/Term |  | C | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223812615 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  | Reviewer Comment (2019-02-08): Rec'd disclosure. | 02/08/2019 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | MA | Primary | Refinance - Rate/Term |  | C | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223812615 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2019-02-08): Rec'd disclosure. | 02/08/2019 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | MA | Primary | Refinance - Rate/Term |  | C | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223812615 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | Reviewer Comment (2019-02-07): Rec'd RTC<br>Buyer Comment (2019-02-07): nortc uploaded | 02/07/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812615 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Esign Consent Agreement Status | ESIGN Act - Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $[Redacted]and disclosure timing violations. | Borrowers e-consent not found in file. |  |  |  | Reviewer Comment (2019-02-07): Rec'd e-consent | 02/07/2019 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | MA | Primary | Refinance - Rate/Term | No Defined Cure | C | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223812615 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xxxx/xxxxsclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Finxxxx/xxxx) | ERRONEOUS: Rounding from [Redacted]to [Redacted]months |  |  |  | Reviewer Comment (2019-02-12): [Redacted] received required documents, exception is cleared. | 02/12/2019 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | MA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812615 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller - Closing Costs Financed | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xxxx/xxxxsclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Finxxxx/xxxx) | No change in circumstance provided to clear this |  |  |  | Buyer Comment (2019-02-07): [Redacted] accepts |  |  | 02/07/2019 | 2 | B | B | B | B | B | B | B | B | B | B |  | MA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812615 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xxxx/xxxxsclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Finxxxx/xxxx) | No change in circumstance provided to clear this |  |  |  | Buyer Comment (2019-02-08): [Redacted] accepts |  |  | 02/08/2019 | 2 | B | B | B | B | B | B | B | B | B | B |  | MA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812615 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Not Provided |  |  |  | Reviewer Comment (2019-02-08): [Redacted] received SSPL dated xx/xx/xxxx. Exception Cleared. | 02/08/2019 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | MA | Primary | Refinance - Rate/Term | No Defined Cure | C | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223812615 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted] Insufficient or no cure was provided to the borrower. ([redacted]) | No change in circumstance provided to clear this |  |  |  | Reviewer Comment (2019-02-07): Rec'd e-consent | 02/07/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812615 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of[redacted]. Insufficient or no cure was provided to the borrower. ([redacted]) | No change in circumstance provided to clear this |  |  |  | Reviewer Comment (2019-02-19): Change of circumstance provided - rate lock<br>Reviewer Comment (2019-02-12): [Redacted] requires Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD, or valid changed circumstance in order to address the exception. | 02/19/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812615 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of [redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. ([redacted]) | Borrowers e-consent not found in file. |  |  |  | Reviewer Comment (2019-02-07): Rec'd e-consent | 02/07/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812615 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of [redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. ([redacted]) | Borrowers e-consent not found in file. |  |  |  | Reviewer Comment (2019-02-07): Rec'd e-consent<br>Buyer Comment (2019-02-07): E-consent sent. It should clear several conditions...I only uploaded to this one, please clear all | 02/07/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812615 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of [redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. ([redacted]) | Borrowers e-consent not found in file. |  |  |  | Reviewer Comment (2019-02-07): Rec'd e-consent | 02/07/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812615 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. ([redacted]) | No change in circumstance provided to clear this |  |  |  | Reviewer Comment (2019-02-19): $[Redacted] cure provided to borrower at close<br>Reviewer Comment (2019-02-12): [Redacted] requires Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD, or valid changed circumstance in order to address the exception. | 02/19/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812615 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. ([redacted]) | No change in circumstance provided to clear this |  |  |  | Reviewer Comment (2019-02-19): $[Redacted] cure provided to borrower at close<br>Reviewer Comment (2019-02-12): [Redacted] requires Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD, or valid changed circumstance in order to address the exception. | 02/19/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812615 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. ([redacted]) | Borrowers e-consent not found in file. |  |  |  | Reviewer Comment (2019-02-07): Rec'd e-consent | 02/07/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812615 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | [Redacted] | Missing verification of existence of business within [redacted] days of the Note date |  |  |  | Reviewer Comment (2019-02-19): Rec'd [Redacted] rd party required verification in trailing docs.<br>Reviewer Comment (2019-02-08): Rec'd Processor VVOE. Missing independent verification of the business verified through a disinterested third party ([Redacted] , regulatory agency, licensing bureau or verification of a phone and address listing using the internet) within [Redacted] calendar days of closing. | 02/19/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Refinance - Rate/Term |  | C | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223812615 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State HPML | XXXXX HPML Threshold Test Compliant | [redacted]: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of APOR + [redacted], or [redacted] [redacted]. |  |  |  |  | Buyer Comment (2019-02-08): [Redacted] accepts |  |  | 02/08/2019 | 2 | B | B | B | B | B | B | B | B | B | B |  | MA | Primary | Refinance - Rate/Term | No obvious cure | C | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223812615 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Missing [redacted] valuation product required for securitization. |  |  |  |  |  | Reviewer Comment (2019-06-28): received CDA | 06/28/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Refinance - Rate/Term |  | C | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223812615 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year [redacted] - [redacted] [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on xxxx/xxxxt accurate. (Finxxxx/xxxx) | New hazard binder provided. |  |  |  | Reviewer Comment (2019-02-12): [Redacted] received required documents, exception is cleared. | 02/12/2019 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | MA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812615 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx/xxxxsclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. (ProjSeq:[redacted]) | New hazard binder provided. |  |  |  | Reviewer Comment (2019-02-12): [Redacted] received required documents, exception is cleared. | 02/12/2019 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | MA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812615 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx/xxxxsclosed an Estimated Total Monthly Payment for payment stream [redacted] that does not match the actual total payment for the loan. (ProjSeq:[redacted]) | New hazard binder provided. |  |  |  | Reviewer Comment (2019-02-12): [Redacted] received required documents, exception is cleared. | 02/12/2019 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | MA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812615 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements. |  | HOI policy effective xxxx/[redacted]with annual premium of [redacted]reflects Lender only; all other policies in file are previous policies. |  |  |  | Reviewer Comment (2019-03-12): Received revised dec page<br>Reviewer Comment (2019-02-19): Rec'd copy of previous policy effective on[Redacted] and a copy of policy with other insurance company effective [Redacted] that was not used at closing; please provide updated policy information for policy effective on [Redacted] with an annual premium of $[Redacted] Policy used on Final CD issued through [Redacted] | 03/12/2019 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | MA | Primary | Refinance - Rate/Term |  | C | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223812615 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted]exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. ([redacted]) | $[redacted] ccure provided to borrower at close |  |  |  |  |  | 02/19/2019 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | MA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812615 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted]exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. ([redacted]) | [redacted] cure provided to borrower at close |  |  |  |  |  | 02/19/2019 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | MA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223812616 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The field review is not dated or signed by the appraiser (page [redacted]). |  |  |  | Reviewer Comment (2019-03-26): Cleared following additional review.<br>Buyer Comment (2019-03-26): sect. [Redacted] of the appraisal states to only complete section II IF the answer is NO, the answer was YES. Section II NOT NEEDED.<br>Reviewer Comment (2019-03-20): Issue remains EV[Redacted] for completed page [Redacted] (Review Appraiser's Opinion of Market Value) indicating whether review is based on an interior or exterior only review and reviewer's signature in the Review Appraiser section of report | 03/26/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NV | Primary | Purchase |  | C | A | C | A | B | A | A | A | Non QM | Non QM | No |
| 223812616 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing seller's CD. |  |  |  | Reviewer Comment (2019-03-26): Cleared following additional review.<br>Buyer Comment (2019-03-26): PER SELLER: it is not required for the borrower and seller to have [Redacted] different CDs. Please clear this.<br>Reviewer Comment (2019-03-20): Received Estimated ALTA Settlement Statement - Combined (D[Redacted]). Issue remains EV[Redacted] for final Seller Closing Disclosure on Closing Disclosure form | 03/26/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NV | Primary | Purchase |  | C | A | C | A | B | A | A | A | Non QM | Non QM | No |
| 223812616 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Negative Fees | TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on xxxx/xxxxsclosed a negative fee amount. | The final CD reflects negative fee amounts paid by seller. |  |  |  | Reviewer Comment (2019-03-21): Upon further review, the exception is cleared.<br>Buyer Comment (2019-03-20): PER SELLER: We would like to contest, the negative that is being referred to is a seller paid Owners Title Policy. Sellers fees are allowed to be negative. It is a simultaneous issue policy for the Lendxx/xxners. | 03/21/2019 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NV | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | B | A | A | A | Non QM | Non QM | Yes |
| 223812616 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of [redacted]exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 03/11/2019 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NV | Primary | Purchase | Final CD evidences Cure | C | A | C | A | B | A | A | A | Non QM | Non QM | Yes |
| 223812618 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Fee Acronyms or Abbreviations | TILA-RESPA Integrated Disclosure: Final Closing Disclosure provided on xxxx/xxxxed abbreviated fees or fees listed as an acronym that are not reasonably understood by the consumer. | Final CD includes the acronym [redacted]. |  |  |  | Reviewer Comment (2019-05-16): Letter of Explanation & Corrected Closing Disclosure provided<br>Reviewer Comment (2019-05-14): Unable to address exception. PCCD included the Title - TEIFF fee. PCCD required with fee name clear to layman. PCCD, LOE required in order to address the exception.<br>Reviewer Comment (2019-05-10): Corrected Closing Disclosure received. Please provide Letter of Explanation to borrower detailing the changes to cure. |  | 05/16/2019 |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IN | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223812618 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xxxx/xxxxd not disclose number of months for homeowner's insurance under Prepaids. | Number of months of Homeowner's Insurance not reported on Final CD. |  |  |  | Reviewer Comment (2019-05-14): (REDACTED) received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2019-05-13): please clear to all this applies to.<br>Reviewer Comment (2019-05-10): Corrected Closing Disclosure received. Please provide Letter of Explanation to borrower detailing the changes to cure. |  | 05/14/2019 |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IN | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223812618 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepaid Property Tax Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xxxx/xxxxd not disclose number of months for Property Tax under Prepaids. | Number of months Property Tax not reported on Final CD. |  |  |  | Reviewer Comment (2019-05-14): (REDACTED) received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2019-05-10): Corrected Closing Disclosure received. Please provide Letter of Explanation to borrower detailing the changes to cure. |  | 05/14/2019 |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IN | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223812618 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xxxx/xxxxsclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. | Amount over the legal limit not disclosed on Final CD. |  |  |  | Reviewer Comment (2019-05-14): (REDACTED) received required documents, exception is cleared.<br>Reviewer Comment (2019-05-10): Change of circumstance not in the loan file for the loan amount increase to $[Redacted] on the Initial CD issued [Redacted] | 05/14/2019 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | IN | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223812618 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Per Final CD, Points are $[redacted]. |  |  |  | Reviewer Comment (2019-05-14): (REDACTED) received required documents, exception is cleared.<br>Reviewer Comment (2019-05-10): Change of circumstance not in the loan file for the loan amount increase to $[Redacted] on the Initial CD issued [Redacted] | 05/14/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IN | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223812619 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing verification of the borrower's [redacted] ownership of the business via a CPA letter, Operating Agreement, or equivalent. |  |  |  | Reviewer Comment (2019-05-31): Received in trailing documents<br>Buyer Comment (2019-05-31): Attached, please find written confirmation from the CPA, confirming the Borrower is [Redacted] % (redacted) of Business. Please review and clear this condition. Thank you!<br>Reviewer Comment (2019-05-17): The documentation provided does not provide (redacted) interest.<br>Buyer Comment (2019-05-17): Attached, please find the business (redacted) documents. Please review and clear this condition. Thank you! | 05/31/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Investment | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A | N/A | N/A | No |
| 223812619 | xx | xx | xx | xx |  |  | Credit | Property - Appraisal | Appraisal Adjustments | Property - Appraisal | Excessive site value noted on appraisal without appraiser comments to justify |  |  |  |  |  | Reviewer Comment (2019-05-22): Land value of [Redacted] % exceeds [Redacted] % of the total property value. Appraiser did comment on this and the appraisal report indicates like-size properties with similar land values are typical and common in the subject's market area.<br>Buyer Comment (2019-05-21): The Underwriter has advised that the appraiser made a comment in relation to the site value being over [Redacted] %. His comment is right above the Land Value. The comps provided support the appraised value as does the CDA in file. No further comments should be required by the appraiser.<br>Please review and clear this condition. Thank you!<br>Reviewer Comment (2019-05-17): The appraiser needs to comment on excessive site value.<br>Buyer Comment (2019-05-17): Please advise as to what is needed to satisfy this condition. Thank you! | 05/22/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Investment | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A | N/A | N/A | No |
| 223812619 | xx | xx | xx | xx |  |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than [redacted] days prior to the note date. |  | For wholesale loans, credit documentation may not be more than [redacted] days old and the credit report datedxxxx/xxxxs [redacted] days aged at the time of the loan closing onxxxx/xx. | Guideline variance approved by lender at time of origination |  | Aggregator | Reviewer Comment (2019-05-31): Credit exception approval provided with compensating factors.<br>Reviewer Comment (2019-05-31): Comp factors provided<br>Reviewer Comment (2019-05-30): Exception approval without compensating factors provided. Exception is waived EV3.<br>Buyer Comment (2019-05-29): Attached, please find an Underwriting Exception related to the Credit Report. Please review and clear this condition. Thank you!<br>Reviewer Comment (2019-05-17): Missing complete credit report, including updated scores, dated within [Redacted] days of the loan closing. The credit refresh does not update scores.<br>Buyer Comment (2019-05-17): Attached, please find the Credit-Refresh report. Please review and clear this condition. Thank you!<br>Reviewer Comment (2019-05-09): Rec'd copy of credit report ordered on [Redacted] which was [Redacted] days old at time of closing and exceeds [Redacted] day max allowed by guidelines.<br>Buyer Comment (2019-05-08): Attached, please find the updated Credit Report. Please review and clear this condition. Thank you! |  |  | 05/31/2019 | 2 | C | B | C | B | C | B | C | B | C | B |  | NJ | Investment | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A | N/A | N/A | No |
| 223812620 | xx | xx | xx | xx |  |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | For Correspondent loans, a gap credit report from at least [redacted] of [redacted] major national credit repositories<br> ([redacted], [redacted], or [redacted]) is required within [redacted] days of closing. In cases where gap report is not<br> received prior to closing, the report may be obtained within [redacted] days of closing. |  |  |  | Reviewer Comment (2019-05-13): Rec'd undisclosed debt notifications report dated [Redacted] nd [Redacted] ; No new debt. | 05/13/2019 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | IL | Investment | Refinance - Rate/Term |  | D | A | D | A | A | A | A | A | N/A | N/A | No |
| 223812620 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Previous employment VVOE not provided; Verification of dates of employment with " [Redacted] " is required to verify no gaps greater than [redacted] days. |  |  |  | Reviewer Comment (2019-05-16): Received<br>Reviewer Comment (2019-05-15): Guidelines require verification of most recent [Redacted] years history with no gaps greater than [Redacted] days in last [Redacted] months (verified) and no gaps greater than [Redacted] days in last [Redacted] - [Redacted] months (not verified). Verification of prior employment start and end dates is required. Exception remains.<br>Buyer Comment (2019-05-13): (redacted)<br>Reviewer Comment (2019-05-13): Rec'd verification for current employer - Exception is for prior employment for [Redacted] year history and verification of no gaps in employment. Exception remains. | 05/16/2019 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Investment | Refinance - Rate/Term |  | D | A | D | A | A | A | A | A | N/A | N/A | No |
| 223812620 | xx | xx | xx | xx |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DTI [redacted] guideline max. Additional rental expense of [Redacted] monthly resulted in higher DTI. Qualifying income lower than [Redacted] approval of [Redacted] - YTD income does not support Hourly rate at [redacted] hours per week. LOE in file states Borrower will continue to have [Redacted] rental expense regardless of primary [redacted]. |  |  |  | Reviewer Comment (2019-06-20): Cleared following additional review.<br>Reviewer Comment (2019-05-16): Borrower's YTD and one year earnings average do not support [Redacted] hours a week.<br>Buyer Comment (2019-05-16): [Redacted] used the full weekly amount on the [Redacted] paystubs that show her working [Redacted] hours (One has [Redacted] hours), no where does it say that she doesn't work [Redacted] hours normally. Her pay is only one pay period off which could be explained by the new year (Sometimes the last pay period will end into the next year which would cause the difference in the YTD income)<br>Reviewer Comment (2019-05-15): Borrower's YTD and one year earnings average do not support [Redacted] hours a week. Paystubs in file also reflect that borrower does not always work [Redacted] hours a week. Using one year average borrower DTI is [Redacted] %. Exception remains.<br>Buyer Comment (2019-05-13): (redacted) | 06/20/2019 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | IL | Investment | Refinance - Rate/Term |  | D | A | D | A | A | A | A | A | N/A | N/A | No |
| 223812621 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Compliant | [redacted]: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of APOR [redacted] + [redacted], or [redacted]. [redacted]. |  |  |  |  | Reviewer Comment (2017-09-28): Client purchases HPML loans |  |  | 08/08/2017 | 1 | A | A | A | A | A | A | A | A | A | A |  | NY | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223812621 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [redacted] disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/[redacted]) | CD Reserves Homeowners Insurance Monthly Amount [redacted]> Fee [redacted] CD Homeowners Insurance Premium Test [redacted] |  |  |  | Reviewer Comment (2017-09-28): $[Redacted] amount included the $[Redacted] that is due for increase in current coverage $[Redacted] +$[Redacted] = $[Redacted] . exception is cleared.<br>Reviewer Comment (2017-09-28): No documentation provided exception remains open. | 08/23/2017 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NY | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes |
| 223812621 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/[redacted]) | Cure for (Discount points) of ([redacted]) was not provided. |  |  |  | Reviewer Comment (2017-09-28): Seller provided VCC for [Redacted] LE change in loan amount,rate lock,fee changes - discount points. | 08/23/2017 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NY | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes |
| 223812621 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted]([redacted]) business days prior to closing. (Interim/[redacted]) | LE Received Date[redacted] >= Closing Date Less [redacted] days [redacted] |  |  |  | Reviewer Comment (2017-09-28): Seller provided e-receipt of the [Redacted] LE. | 08/23/2017 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223812621 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. ([redacted]) | Fee disclosed as ([redacted]) on (LE dated [redacted]), but disclosed as ([redacted]) on Final Closing Disclosure. |  |  |  | Reviewer Comment (2017-09-28): Seller provided VCC for [Redacted] LE change in loan amount,rate lock,fee changes - discount points. | 08/23/2017 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes |
| 223812621 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. ([redacted]) |  |  |  |  | Reviewer Comment (2017-09-28): Seller provided the COC for the [Redacted] increase in mortgage tax. | 08/21/2017 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes |
| 223812621 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Esign Consent Agreement Status | ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. |  |  |  |  | Reviewer Comment (2017-09-28): Seller provded the e-consent. | 08/16/2017 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NY | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223812621 | xx | xx | xx | xx |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender acknowledged exception with loan amount > [redacted] | [redacted] DTI<br>[redacted] months reserves [redacted] months guideline minimum |  |  | Reviewer Comment (2017-09-28): Client has elected to waive this requirement based on compensating factors. |  |  | 10/17/2017 | 2 | C | B | C | B | C | B | C | B | C | B |  | NY | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223812621 | xx | xx | xx | xx |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Lender acknowledged exception. | [redacted] DTI<br>[redacted] months reserves [redacted] months guideline minimum |  |  | Reviewer Comment (2017-09-28): Client has elected to waive this requirement based on compensating factors. |  |  | 10/17/2017 | 2 | C | B | C | B | C | B | C | B | C | B |  | NY | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223812649 | xx | xx | xx | xx |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-11-08): Client elects to waive. |  |  | 11/08/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | B | B | B | B | B | B | A | A | Non QM | Non QM | No |
| 223812649 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] [redacted]- [redacted]% Points and Fees | [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted]on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of [redacted](an overage of [redacted]or [redacted]). | Points and Fees exceed threshold of [redacted]or [redacted] by [redacted]or [redacted]. |  |  |  | Reviewer Comment (2022-11-09): Client elects to waive.<br>Reviewer Comment (2022-11-07): Client to review. |  |  | 11/09/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes |
| 223812649 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted]exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-11-03): Sufficient Cure Provided At Closing |  | 11/03/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Purchase | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes |
| 223813793 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813793 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted] ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813794 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813794 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted] or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813794 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of [redacted] is underdisclosed from calculated Finance Charge of [redacted]in the amount of [redacted]. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813795 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813795 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted] or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813795 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813795 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Late Charge | [redacted] [redacted] Late Charge Percent Testing | [redacted] [redacted] Late Charge: Note late charge percent of [redacted] exceeds the state maximum of [redacted]. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813795 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NY | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813796 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | PA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813796 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813796 | xx | xx | xx | xx |  |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | PA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813796 | xx | xx | xx | xx |  |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813796 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813796 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is[redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813796 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than [redacted] family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813796 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted] ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813796 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813796 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | [redacted]: Final TIL Finance Charge of [redacted]is underdisclosed from calculated Finance Charge of [redacted]in the amount of [redacted] . | Unable to determine cause of under disclosure due to missing amortization schedule. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813796 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than x Business Days From Transaction Date | [redacted]: Subject loan transaction disbursed on [redacted], prior to [redacted]([redacted]) business days from transaction date o[redacted]. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813796 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-x Used on Non Same Lender Refinance | [redacted]: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-[redacted] form was used instead of the H-[redacted] form, however, the loan file does not contain evidence that the [redacted] was by the original creditor. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813797 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | TN | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813797 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [redacted]/[redacted] form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813797 | xx | xx | xx | xx |  |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | TN | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813797 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813797 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813797 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than [redacted] family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813797 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted] ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813797 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than x Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted]([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813799 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813799 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [redacted]/[redacted] form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813799 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813799 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813799 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | [redacted] Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted] ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813799 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than x Business Days From Transaction Date | [redacted]: Subject loan transaction disbursed on [redacted], prior to [redacted]([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813800 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  | [redacted] data captured was provided by the seller |  |  |  | Reviewer Comment (2025-03-04): Client elects to waive. Seller provided underlying data for[Redacted] certificate.<br>Reviewer Comment (2025-03-04): Per client request, underlying data provided by seller. |  |  | 03/04/2025 | 2 | C | C | C | C | C | C | C | C | C | C |  | NJ | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813800 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted]or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813800 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | [redacted] Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted]([redacted]) business days of application. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813800 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Purchase | No Defined Cure | B | B |  |  | B | B |  |  |  |  | No |
| 223813800 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | [redacted] Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, [redacted] Booklet, not provided to the borrower within [redacted] ([redacted]) days of application. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Purchase | No Defined Cure | B | B |  |  | B | B |  |  |  |  | No |
| 223813800 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813801 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813801 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | [redacted] Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted] ([redacted]) business days of application. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813801 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | [redacted] variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] ([redacted]) days of application. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | B |  |  | B | B |  |  |  |  | No |
| 223813801 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | [redacted] Booklet Disclosure Status | [redacted] variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, [redacted] Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | B |  |  | B | B |  |  |  |  | No |
| 223813801 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813801 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-x Used on Non Same Lender Refinance | [redacted]: Notice of Right to Cancel was not executed on the proper Model Form for a [redacted] by a creditor that is not considered the original creditor. The H-[redacted] form was used, the H-[redacted]form should have been used. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813802 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | [redacted] Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted]([redacted]) business days of application. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | LA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813803 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted] or final closing disclosure of[redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813804 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | ME | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813804 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | ME | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813804 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | ME | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813804 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[Redacted] or final closing disclosure of [Redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | ME | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813804 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [Redacted] which is [Redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | ME | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813804 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | ME | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813804 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-x Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-[Redacted] form was used instead of the H-[Redacted] form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | ME | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813805 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | GA | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813805 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | Primary | Purchase | No Defined Cure | B | B |  |  | B | B |  |  |  |  | No |
| 223813805 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | Primary | Purchase | No Defined Cure | B | B |  |  | B | B |  |  |  |  | No |
| 223813805 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [Redacted] which is [Redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813805 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within[Redacted] ([Redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813806 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [Redacted] which is [Redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813806 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [Redacted] ([Redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813807 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[Redacted] or final closing disclosure of[Redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813807 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [Redacted] which is[Redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813807 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within[Redacted] ([Redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813808 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813808 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [Redacted] which is [Redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813808 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Late Charge | [redacted] [redacted] Late Charge Percent Testing | [Redacted] Late Charge: Note late charge percent of [Redacted] % exceeds the state maximum of [Redacted] %. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813809 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[Redacted] or final closing disclosure of [Redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MI | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813809 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [Redacted] ([Redacted]) days of application. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MI | Primary | Purchase | No Defined Cure | B | B |  |  | B | B |  |  |  |  | No |
| 223813809 | xx | xx | xx | xx |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Econsent not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | MI | Primary | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813811 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final[Redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813811 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813811 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [Redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813811 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [Redacted] which is [Redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813811 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813811 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [Redacted] ([Redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813811 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | B |  |  | B | B |  |  |  |  | No |
| 223813811 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | B |  |  | B | B |  |  |  |  | No |
| 223813811 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than x Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted] prior to [Redacted] ([Redacted]) business days from transaction date of [Redacted]. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813811 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [Redacted] form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813811 | xx | xx | xx | xx |  |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | CA | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813812 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final[Redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813812 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [Redacted] form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813812 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813812 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [Redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813812 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $[Redacted] does not match calculated P&I of $[Redacted]Calculated P&I was used for the APR calculation and compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813812 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [Redacted] which is [Redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813812 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [Redacted] [Redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813812 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within[Redacted] ([Redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | B |  |  | B | B |  |  |  |  | No |
| 223813812 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | B | B |  |  | B | B |  |  |  |  | No |
| 223813812 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than x Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to [Redacted] ([Redacted]) business days from transaction date of[Redacted] |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813813 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [Redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813813 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813813 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [Redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813813 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [Redacted] which is[Redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813813 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and [Redacted] testing may be impacted. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813813 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [Redacted] ([Redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813813 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813813 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than x Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to[Redacted] ([Redacted]) business days from transaction date of [Redacted]. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813813 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813813 | xx | xx | xx | xx |  |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813813 | xx | xx | xx | xx |  |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813813 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813813 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[Redacted] is underdisclosed from calculated Finance Charge of $[Redacted] in the amount of $[Redacted] | Unable to determine cause of under disclosure due to missing amortization schedule. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813813 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813814 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [Redacted] form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813814 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813814 | xx | xx | xx | xx |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813814 | xx | xx | xx | xx |  |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813814 | xx | xx | xx | xx |  |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813814 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [Redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813814 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of[Redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813814 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of[Redacted] which is[Redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813814 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813814 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [Redacted] ([Redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813814 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813814 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[Redacted] is underdisclosed from calculated Finance Charge of $[Redacted] in the amount of $[Redacted] | Unable to determine cause of under disclosure due to missing amortization schedule. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813815 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [Redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | GA | UTD | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813815 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | GA | UTD | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813815 | xx | xx | xx | xx |  |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813815 | xx | xx | xx | xx |  |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | GA | UTD | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813815 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [Redacted] form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813815 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813815 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813815 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [Redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813815 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [Redacted] which is[Redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813815 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and[Redacted] testing may be impacted. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813815 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[Redacted]is underdisclosed from calculated Finance Charge of $[Redacted] in the amount of $[Redacted] | Unable to determine cause of under disclosure due to missing amortization schedule. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813815 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813815 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [Redacted] ([Redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | UTD | Refinance - Rate/Term |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813816 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [Redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813816 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813816 | xx | xx | xx | xx |  |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813816 | xx | xx | xx | xx |  |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813816 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [Redacted] form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813816 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813816 | xx | xx | xx | xx |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813816 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of[Redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813816 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [Redacted] which is [Redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813816 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813816 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [Redacted] ([Redacted] business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813816 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813816 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[Redacted] is underdisclosed from calculated Finance Charge of $[Redacted] in the amount of $[Redacted]. | Unable to determine cause of under disclosure due to missing amortization schedule. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813816 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than x Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to [Redacted]([Redacted]) business days from transaction date of [Redacted] |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813816 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B |  |  | B | B |  |  |  |  | Yes |
| 223813817 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [Redacted]which is [Redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813818 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [Redacted] which is [Redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CT | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813818 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within[Redacted] ([Redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CT | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813818 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [Redacted] |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CT | Primary | Refinance - Cash-out - Debt Consolidation |  | B | B |  |  | B | B |  |  |  |  | No |
| 223813821 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Rental Income Documentation - Schedule E Method Test | Qualified Mortgage ([Redacted][Redacted]): Rental income documentation requirement not met for [Redacted]. Lease Agreement and/or Tax Return not provided. |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Primary | Refinance - Rate/Term |  | C | C | C | C | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223813821 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Rental Income Documentation - Schedule E Method Test | Qualified Mortgage ([Redacted] [Redacted]): Rental income documentation requirement not met for [Redacted] [redacted]. Lease Agreement and/or Tax Return not provided. |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Primary | Refinance - Rate/Term |  | C | C | C | C | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223813821 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Refinance - Rate/Term |  | C | C | C | C | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223813821 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | S-Corp Income Documentation Test | Qualified Mortgage (Dodd-Frank [redacted]): Self-employed income documentation not sufficient (S-Corp). |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Primary | Refinance - Rate/Term |  | C | C | C | C | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223813821 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. |  |  |  |  |  | 03/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Refinance - Rate/Term |  | C | C | C | C | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223813821 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank [redacted]): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%/[redacted]%, Credit Score: [redacted], Occupancy: Primary, Purpose: Refinance, Rate/Term |  |  |  |  |  | 03/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Refinance - Rate/Term |  | C | C | C | C | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223813821 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  |  |  |  |  | 3 | B | B | C | C | B | B | C | C | B | B |  | IL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | C | C | C | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | Yes |
| 223813821 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank [redacted]): Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Primary | Refinance - Rate/Term |  | C | C | C | C | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223813821 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted] exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | C | C | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | Yes |
| 223813821 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  |  | 03/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Refinance - Rate/Term |  | C | C | C | C | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223813821 | xx | xx | xx | xx |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  |  |  |  |  |  | 03/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Refinance - Rate/Term |  | C | C | C | C | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223813821 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income Method of Calculation | Unable to determine compliance with income requirements due to missing information. |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Primary | Refinance - Rate/Term |  | C | C | C | C | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223813821 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self Employed Financial Strength | Unable to determine compliance with Self Employed income requirements due to missing information. |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Primary | Refinance - Rate/Term |  | C | C | C | C | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223813821 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self Employed YTD | Unable to determine compliance with Self Employed income requirements due to missing information. |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | IL | Primary | Refinance - Rate/Term |  | C | C | C | C | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223813821 | xx | xx | xx | xx |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Stated not provided |  |  |  |  |  |  | 03/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Refinance - Rate/Term |  | C | C | C | C | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223813821 | xx | xx | xx | xx |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  |  | 03/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Refinance - Rate/Term |  | C | C | C | C | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223813821 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  |  | 03/05/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Refinance - Rate/Term |  | C | C | C | C | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223813821 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs don't match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTIs calculated in accordance with the Lenders Guidelines of [redacted]% and based on [redacted](c)([redacted]) of [redacted]% significantly exceed the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EVx-B.) |  |  |  |  |  |  |  |  | 3 |  | C |  | C |  | C |  | C |  | C |  | IL | Primary | Refinance - Rate/Term |  | C | C | C | C | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223813821 | xx | xx | xx | xx |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  |  |  |  |  |  |  |  |  | 3 |  | C |  | C |  | C |  | C |  | C |  | IL | Primary | Refinance - Rate/Term |  | C | C | C | C | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223813821 | xx | xx | xx | xx |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Combined High loan to value discrepancy. |  |  |  |  |  |  |  |  |  | 3 |  | C |  | C |  | C |  | C |  | C |  | IL | Primary | Refinance - Rate/Term |  | C | C | C | C | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223813821 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  |  |  |  |  |  | 3 |  | C |  | C |  | C |  | C |  | C |  | IL | Primary | Refinance - Rate/Term |  | C | C | C | C | C | C | A | A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223813822 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  |  | 03/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813822 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | SitusAMC |  |  |  | 03/04/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813822 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within [redacted]([redacted]) business days of application or determination of first lien status. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813822 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813822 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. |  |  |  |  |  | 03/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813822 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank [redacted]): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%/[redacted]%, Credit Score: [redacted], Occupancy: Primary, Purpose: Purchase, |  |  |  |  |  | 03/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813822 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  |  | 03/18/2025 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223813822 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank [redacted]): Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. |  |  |  |  |  | 03/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813822 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (xxxx) - GFE Settlement charges Good Thru Date Less than xx Days | RESPA ([redacted]): GFE does not provide minimum [redacted]([redacted]) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813822 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813822 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813822 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 03/05/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813822 | xx | xx | xx | xx |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  |  |  |  |  |  | 03/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813823 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Refinance - Rate/Term |  | B | B | A | A | B | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813823 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | [redacted] Late Charge: Note late charge percent of [redacted]% exceeds the state maximum of [redacted]%. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Refinance - Rate/Term |  | B | B | A | A | B | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813823 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Refinance - Rate/Term |  | B | B | A | A | B | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813823 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within x Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Refinance - Rate/Term |  | B | B | A | A | B | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813823 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-x Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The [redacted] form was used, the [redacted] form should have been used. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223813824 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial xxxx |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813824 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: x |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | TX | Primary | Purchase |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813824 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 03/05/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813824 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813824 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813824 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813824 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813824 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted]([redacted]) business days of application. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813824 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813824 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813824 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within x Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813824 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  |  |  |  | 03/19/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813824 | xx | xx | xx | xx |  |  | Credit | Guideline | Guideline Issue | Guideline | This loan closed during the covid-19 affected timeframe. Asset Account date is more than xx days prior to the Note date or notary date. |  |  |  |  |  |  |  |  |  | 3 |  | C |  | C |  | C |  | C |  | C |  | TX | Primary | Purchase |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813824 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | TX | Primary | Purchase |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813825 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial xxxx |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Purchase |  | B | B | A | A | B | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813825 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Purchase |  | B | B | A | A | B | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813825 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Purchase |  | B | B | A | A | B | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813825 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Purchase |  | B | B | A | A | B | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813825 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within x Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Purchase |  | B | B | A | A | B | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813825 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223813826 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 03/05/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | B | C | A | B | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813826 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] ([redacted]) business days prior to closing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | C | A | B | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223813826 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | B | B | A | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223813828 | xx | xx | xx | xx |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | PA | Primary | Refinance - Cash-out - Other |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813828 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 03/05/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | PA | Primary | Refinance - Cash-out - Other |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813828 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Refinance - Cash-out - Other |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813828 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] % or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 02/25/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813829 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 03/05/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Refinance - Cash-out - Other |  | C | C | C | C | A | A | A | A | N/A | N/A | No |
| 223813829 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CA | Investment | Refinance - Cash-out - Other |  | C | C | C | C | A | A | A | A | N/A | N/A | No |
| 223813830 | xx | xx | xx | xx |  |  | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CA | Primary | Refinance - Limited Cash-out GSE |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813830 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 03/05/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Limited Cash-out GSE |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813830 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813830 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CA | Primary | Refinance - Limited Cash-out GSE |  | C | C | C | C | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813832 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: x |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | NJ | Primary | Purchase |  | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813832 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Purchase |  | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813832 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year x Underdisclosed - October xxxx | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of [redacted]on Final Closing Disclosure provided on [redacted] are underdisclosed. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813832 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813832 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted] exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813833 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 03/05/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Refinance - Cash-out - Other |  | C | C | C | C | B | B | A | A | N/A | N/A | No |
| 223813833 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial xxxx |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | C | C | C | B | B | A | A | N/A | N/A | No |
| 223813833 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | C | C | C | B | B | A | A | N/A | N/A | No |
| 223813833 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | C | C | C | B | B | A | A | N/A | N/A | No |
| 223813833 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | C | C | C | B | B | A | A | N/A | N/A | No |
| 223813833 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CA | Investment | Refinance - Cash-out - Other |  | C | C | C | C | B | B | A | A | N/A | N/A | No |
| 223813834 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial xxxx |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813834 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC |  |  |  | 03/05/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813834 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: x |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | TX | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813834 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813834 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813834 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813834 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813834 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813834 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within x Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813834 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Irregular Transactions Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after[redacted] contains a change in APR and was not received by borrower at least [redacted] ([redacted]) business days prior to consummation |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | TRID timing exception, no remediation available. | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813834 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] ([redacted]) business days of application. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase | No Defined Cure | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813834 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | TX | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813835 | xx | xx | xx | xx |  |  | Property | Credit | General | Credit | The property type differs between the valuation documents in file. Unable to verify the property type. Ineligible per guidelines. |  |  |  |  |  |  | 03/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Refinance - Cash-out - Other |  | C | D | A | A | C | B | C | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813835 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Refinance - Cash-out - Other |  | C | D | A | A | C | B | C | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813835 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  |  | 03/10/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NJ | Primary | Refinance - Cash-out - Other |  | C | D | A | A | C | B | C | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813835 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Refinance - Cash-out - Other |  | C | D | A | A | C | B | C | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813835 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NJ | Primary | Refinance - Cash-out - Other |  | C | D | A | A | C | B | C | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813835 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank xxxx): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Refinance - Cash-out - Other |  | C | D | A | A | C | B | C | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813835 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | D | A | A | C | B | C | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813835 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within x Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NJ | Primary | Refinance - Cash-out - Other |  | C | D | A | A | C | B | C | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813835 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial xxxx |  |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | NJ | Primary | Refinance - Cash-out - Other |  | C | D | A | A | C | B | C | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813835 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | NJ | Primary | Refinance - Cash-out - Other |  | C | D | A | A | C | B | C | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813835 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: x |  |  |  |  |  |  |  |  |  | 3 |  | D |  | D |  | D |  | D |  | D |  | NJ | Primary | Refinance - Cash-out - Other |  | C | D | A | A | C | B | C | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813836 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial xxxx |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Refinance - Rate/Term |  | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813836 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within xx business days of the Note. |  |  |  |  |  |  | 03/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Refinance - Rate/Term |  | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813836 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  |  |  |  |  |  | 03/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Refinance - Rate/Term |  | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813836 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within xx business days of the Note. |  |  |  |  |  |  | 03/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Refinance - Rate/Term |  | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813836 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: x |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | NY | Primary | Refinance - Rate/Term |  | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813836 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank xxxx): Creditor did not provide a copy of each valuation to applicant three ([Redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Refinance - Rate/Term |  | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813836 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Refinance - Rate/Term |  | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813836 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of[Redacted] which is [Redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NY | Primary | Refinance - Rate/Term |  | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813836 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank xxxx): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Refinance - Rate/Term |  | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813836 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank xxxx): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  |  |  | 03/10/2025 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | NY | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813836 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [redacted] or more guideline components, the loan is at QM risk. |  |  |  |  |  | 03/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Refinance - Rate/Term |  | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813836 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  | 03/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Refinance - Rate/Term |  | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813836 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within x Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NY | Primary | Refinance - Rate/Term |  | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813836 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | [redacted] Late Charge: Note late charge percent of [Redacted]% exceeds the state maximum of [Redacted]%. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Refinance - Rate/Term |  | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813836 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NY | Primary | Refinance - Rate/Term | Good Faith Redisclosure | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813836 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NY | Primary | Refinance - Rate/Term | Good Faith Redisclosure | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813836 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NY | Primary | Refinance - Rate/Term | Good Faith Redisclosure | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813836 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least [redacted] ([redacted]) business days prior to consummation |  |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | NY | Primary | Refinance - Rate/Term | TRID timing exception, no remediation available. | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813836 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) |  |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | NY | Primary | Refinance - Rate/Term | No Defined Cure | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813836 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) |  |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | NY | Primary | Refinance - Rate/Term | No Defined Cure | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813836 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) |  |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | NY | Primary | Refinance - Rate/Term | No Defined Cure | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813836 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] ([redacted]) business days prior to closing. |  |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | NY | Primary | Refinance - Rate/Term | No Defined Cure | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813836 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | NY | Primary | Refinance - Rate/Term |  | D | D | C | A | C | C | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813838 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [Redacted] which is [Redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | KS | Primary | Refinance - Cash-out - Other |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813838 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank xxxx): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | KS | Primary | Refinance - Cash-out - Other |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813838 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within x Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | KS | Primary | Refinance - Cash-out - Other |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813838 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: xx |  |  |  |  |  |  |  |  |  | 3 | D | D | B | B | D | D | C | C | D | D |  | KS | Primary | Refinance - Cash-out - Other |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813838 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | KS | Primary | Refinance - Cash-out - Other |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813838 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | KS | Primary | Refinance - Cash-out - Other |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813838 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial xxxx |  |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | KS | Primary | Refinance - Cash-out - Other |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813838 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | KS | Primary | Refinance - Cash-out - Other |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813839 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: xx |  |  |  |  |  |  |  |  |  | 3 | D | D | B | B | D | D | C | C | D | D |  | NY | Primary | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813839 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial xxxx |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813839 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813839 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [Redacted] which is [Redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NY | Primary | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813839 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank xxxx): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813839 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank xxxx): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  |  |  | 03/10/2025 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813839 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Partnership | General QM: Unable to verify Partnership income using reasonably reliable third-party records. |  |  |  |  |  | 03/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813839 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  | 03/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813839 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within x Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NY | Primary | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813839 | xx | xx | xx | xx |  |  | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | [redacted] Late Charge: Note late charge percent of [Redacted]% exceeds the state maximum of [Redacted]%. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813839 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Irregular Transactions Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and loan product and was not received by borrower at least [redacted] ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase | TRID timing exception, no remediation available. | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813839 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase | No Defined Cure | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813839 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase | No Defined Cure | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813839 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least [redacted] ([redacted]) business days prior to closing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase | No Defined Cure | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813839 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  |  |  |  |  |  | 03/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813839 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [redacted] or more guideline components, the loan is at QM risk. |  |  |  |  |  | 03/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813839 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase | No Defined Cure | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813839 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | NY | Primary | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813840 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form xxxxD/xxx was not provided. |  |  |  |  |  |  | 03/19/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AZ | Primary | Purchase |  | D | D | A | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813840 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: x |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | AZ | Primary | Purchase |  | D | D | A | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813840 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial xxxx |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Primary | Purchase |  | D | D | A | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813840 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [Redacted] days of the loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | AZ | Primary | Purchase |  | D | D | A | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813840 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Primary | Purchase |  | D | D | A | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813840 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of[Redacted] which is [Redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | AZ | Primary | Purchase |  | D | D | A | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813840 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank xxxx): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AZ | Primary | Purchase |  | D | D | A | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813840 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] ([redacted]) business days of application. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | AZ | Primary | Purchase |  | D | D | A | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813840 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | D | A | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813840 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within x Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | AZ | Primary | Purchase |  | D | D | A | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813840 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | AZ | Primary | Purchase |  | D | D | A | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813841 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 03/05/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813841 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: xx |  |  |  |  |  |  |  |  |  | 3 | D | D | B | B | D | D | C | C | D | D |  | TX | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813841 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813841 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase | No Defined Cure | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813841 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. |  |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase | No Defined Cure | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813841 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial xxxx |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813841 | xx | xx | xx | xx |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC |  |  |  | 04/04/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813841 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | TX | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813842 | xx | xx | xx | xx |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | AL | Primary | Purchase |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813842 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC |  |  |  | 03/05/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | AL | Primary | Purchase |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813842 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial xxxx |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | AL | Primary | Purchase |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813842 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: x |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | AL | Primary | Purchase |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813842 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | AL | Primary | Purchase |  | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813842 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a mortgage insurance payment for payment stream [Redacted] that does not match the actual payment for the loan. |  |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | AL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813842 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | AL | Primary | Purchase | No Defined Cure | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813842 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | AL | Primary | Purchase | No Defined Cure | D | D | C | C | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813843 | xx | xx | xx | xx |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | CA | Second Home | Refinance - Cash-out - Other |  | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223813843 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  |  |  |  |  |  | 03/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Second Home | Refinance - Cash-out - Other |  | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223813843 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank xxxx): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Second Home | Refinance - Cash-out - Other |  | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223813843 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of[Redacted] which is [Redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Second Home | Refinance - Cash-out - Other |  | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223813843 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank xxxx): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Second Home | Refinance - Cash-out - Other |  | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223813843 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank xxxx): Originator Loan Designation of [redacted]QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  |  |  | 03/31/2025 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | CA | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223813843 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current [redacted] status using reasonably reliable third-party records. |  |  |  |  |  | 03/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Second Home | Refinance - Cash-out - Other |  | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223813843 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Schedule C | General QM: Unable to verify [redacted] income using reasonably reliable third-party records. |  |  |  |  |  | 03/31/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Second Home | Refinance - Cash-out - Other |  | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223813843 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  | 03/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Second Home | Refinance - Cash-out - Other |  | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223813843 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within x Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Second Home | Refinance - Cash-out - Other |  | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223813843 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [redacted] or more guideline components, the loan is at QM risk. |  |  |  |  |  | 03/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Second Home | Refinance - Cash-out - Other |  | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223813843 | xx | xx | xx | xx |  |  | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. |  |  |  |  |  |  | 03/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Second Home | Refinance - Cash-out - Other |  | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223813843 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial xxxx |  |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | CA | Second Home | Refinance - Cash-out - Other |  | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223813843 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | CA | Second Home | Refinance - Cash-out - Other |  | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223813844 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score is above 680. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC |  |  |  | 03/05/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | PA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813844 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: x |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | PA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813844 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial xxxx |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813844 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank xxxx): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813844 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813844 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [Redacted] which is [Redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | PA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813844 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank xxxx): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | PA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813844 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within x Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | PA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813844 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted]([redacted]) business days prior to closing. |  |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | PA | Primary | Purchase | No Defined Cure | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813844 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least [redacted]([redacted]) business days prior to consummation |  |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | PA | Primary | Purchase | TRID timing exception, no remediation available. | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813844 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | PA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813845 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial xxxx |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | VA | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813845 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  |  |  |  |  |  | 03/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813845 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | VA | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813845 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | VA | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813845 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank xxxx): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813845 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank xxxx): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  |  |  | 03/11/2025 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813845 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  | 03/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813845 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within x Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted] ([redacted]) business days of application. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | VA | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813845 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within x Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | VA | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813845 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | VA | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813845 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | VA | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813845 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [redacted] or more guideline components, the loan is at QM risk. |  |  |  |  |  | 03/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813845 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 02/27/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | VA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813845 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 02/27/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | VA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813845 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Compliance | Initial Application Indicated ARM Product | Unable to determine if the Intiial Loan Application indicated the loan was an Adjustable Rate Mortgage due to missing information. |  |  |  |  |  | 03/07/2025 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | VA | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813845 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | VA | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813846 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrower has verified disposable income of at least $2500.00. | Borrower has verified disposable income of at least $2500.00. | Aggregator,SitusAMC |  |  |  | 03/05/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | GA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813846 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: x |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | GA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813846 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813846 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | GA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813846 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank xxxx): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813846 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within x Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | GA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813846 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. |  |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | GA | Primary | Purchase | Good Faith Redisclosure | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813846 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. |  |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | GA | Primary | Purchase | Good Faith Redisclosure | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813846 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. |  |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | GA | Primary | Purchase | Good Faith Redisclosure | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813846 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least [redacted] ([redacted]) business days prior to consummation |  |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | GA | Primary | Purchase | TRID timing exception, no remediation available. | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813846 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813846 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | GA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813846 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial xxxx |  |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | GA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813847 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score is above 680. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC |  |  |  | 03/05/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | MN | Primary | Purchase |  | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813847 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank xxxx): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MN | Primary | Purchase |  | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813847 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | MN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813848 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC |  |  |  | 03/05/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | IA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813848 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial xxxx |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813848 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 03/05/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813848 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: x |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | IA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813848 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813848 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | IA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813848 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank xxxx): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813848 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within x Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | IA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813848 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. |  |  |  |  |  | 03/28/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813848 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | IA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813849 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank xxxx): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813849 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | IA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813849 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank xxxx): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813849 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within x Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | IA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813849 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 03/05/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813849 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial xxxx |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | IA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813849 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC |  |  |  | 03/05/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | IA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813849 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: x |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | IA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813849 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank xxxx): Originator Loan Designation of[redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  |  |  | 03/10/2025 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | IA | Primary | Purchase | Lender to provide updated ATR/QM status | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813849 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  | 03/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813849 | xx | xx | xx | xx |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  |  |  |  |  |  | 03/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813849 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [redacted] or more guideline components, the loan is at QM risk. |  |  |  |  |  | 03/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813849 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | IA | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813850 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is less than or equal to 35%. | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is less than or equal to 35%. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC |  |  |  | 03/05/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | MD | Primary | Purchase |  | C | C | C | B | C | C | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813850 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial xxxx |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Purchase |  | C | C | C | B | C | C | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813850 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form xxxxD/xxx was not provided. |  |  |  |  |  |  | 03/19/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MD | Primary | Purchase |  | C | C | C | B | C | C | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813850 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Purchase |  | C | C | C | B | C | C | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813850 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within x Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | MD | Primary | Purchase |  | C | C | C | B | C | C | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813850 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | MD | Primary | Purchase | No Defined Cure | C | C | C | B | C | C | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813850 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank xxxx): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MD | Primary | Purchase |  | C | C | C | B | C | C | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813850 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of[redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | MD | Primary | Purchase |  | C | C | C | B | C | C | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813850 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | MD | Primary | Purchase |  | C | C | C | B | C | C | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813851 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NM | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Non QM | No |
| 223813851 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial xxxx |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NM | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Non QM | No |
| 223813851 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: x |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | NM | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Non QM | No |
| 223813851 | xx | xx | xx | xx |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC |  |  |  | 03/05/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | NM | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Non QM | No |
| 223813851 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. |  |  |  |  |  | 03/18/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NM | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Non QM | No |
| 223813851 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within x Business Days of Application | RESPA Disclosure Rule (Dodd-Frank [redacted]): List of Homeownership Counseling Organizations not provided to applicant within [redacted]([redacted]) business days of application. |  |  |  |  |  | 03/18/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NM | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Non QM | No |
| 223813851 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] ([redacted]) business days of application. |  |  |  |  |  | 03/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NM | Primary | Purchase | No Defined Cure | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Non QM | No |
| 223813851 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank xxxx): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  |  |  | 03/19/2025 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | NM | Primary | Purchase | Lender to provide updated ATR/QM status | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Non QM | Yes |
| 223813851 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted]([redacted]) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  | 03/19/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NM | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Non QM | No |
| 223813851 | xx | xx | xx | xx |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Aggregator,SitusAMC<br>Aggregator,SitusAMC |  |  |  | 03/19/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | NM | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Non QM | No |
| 223813851 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [redacted]or more guideline components, the loan is at QM risk. |  |  |  |  |  | 03/19/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NM | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Non QM | No |
| 223813851 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank xxxx): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  |  | 03/20/2025 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | NM | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Non QM | Yes |
| 223813851 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank xxxx): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. |  |  |  |  |  | 03/19/2025 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | NM | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Non QM | No |
| 223813851 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank xxxx): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00. | Aggregator,SitusAMC<br>Aggregator,SitusAMC |  |  |  | 03/19/2025 | 2 |  | B |  | B |  | B |  | B |  | B |  | NM | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Non QM | No |
| 223813851 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank xxxx): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. |  |  |  |  |  |  |  |  | 2 |  | A |  | B |  | B |  | B |  | A |  | NM | Primary | Purchase |  | D | D | C | B | C | B | D | D | Safe Harbor QM (APOR) | Non QM | No |
| 223813852 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: x |  |  |  |  |  |  |  |  |  | 3 | D | D | D | D | D | D | D | D | D | D |  | NC | Second Home | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813852 | xx | xx | xx | xx |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  |  |  |  |  |  | 03/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Second Home | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813852 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial xxxx |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NC | Second Home | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813852 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided x Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank xxxx): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NC | Second Home | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813852 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NC | Second Home | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813852 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NC | Second Home | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813852 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank xxxx): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Second Home | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813852 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank xxxx): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  |  |  | 03/10/2025 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | NC | Second Home | Purchase | Lender to provide updated ATR/QM status | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813852 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete QM testing due to missing investor guideline qualifying total debt ratio. |  |  |  |  |  | 03/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Second Home | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813852 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Not Provided | General QM: Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%/[redacted]%, Credit Score: [redacted], Occupancy: [redacted], Purpose: [redacted], |  |  |  |  |  | 03/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Second Home | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813852 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within x Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NC | Second Home | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813852 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted]([redacted]) business days prior to closing. |  |  |  |  |  | 03/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Second Home | Purchase | No Defined Cure | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813852 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | NC | Second Home | Purchase |  | D | D | C | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813853 | xx | xx | xx | xx |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: xx |  |  |  |  |  |  |  |  |  | 3 | D | D | B | B | D | D | C | C | D | D |  | NV | Primary | Refinance - Rate/Term |  | D | D | A | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813853 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NV | Primary | Refinance - Rate/Term |  | D | D | A | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813853 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of[redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NV | Primary | Refinance - Rate/Term |  | D | D | A | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813853 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank xxxx): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NV | Primary | Refinance - Rate/Term |  | D | D | A | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813853 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within x Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NV | Primary | Refinance - Rate/Term |  | D | D | A | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813853 | xx | xx | xx | xx |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial xxxx |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | NV | Primary | Refinance - Rate/Term |  | D | D | A | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813853 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 |  | B |  | B |  | B |  | B |  | B |  | NV | Primary | Refinance - Rate/Term |  | D | D | A | A | C | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223815640 | xx | xx | xx | xx |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final xxxx |  |  |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | GA | Investment | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223815640 | xx | xx | xx | xx |  |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | Investment | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |
| 223815640 | xx | xx | xx | xx |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | Investment | Purchase |  | B | B |  |  | B | B |  |  |  |  | No |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 7/29/2025 2:39:50 PM** | **Run Date - 7/29/2025 2:39:50 PM** | **Run Date - 7/29/2025 2:39:50 PM** | **Run Date - 7/29/2025 2:39:50 PM** | **Run Date - 7/29/2025 2:39:50 PM** | **Run Date - 7/29/2025 2:39:50 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| 223792538 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223792540 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223792542 | xx | xx | xx |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223792543 | xx | xx | xx |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223792545 | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792547 | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | C | C | C | C | C |  | B | C | B | C | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792548 | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792549 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792550 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | B | D | C | D |  | D | C | D | C | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | B | D | C | D |  | D | C | D | C | D |  |
| 223792551 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223792552 | xx | xx | xx |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792553 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792554 | xx | xx | xx |  |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  |
| 223792556 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223792557 | xx | xx | xx |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223792558 | xx | xx | xx |  |  | D | D | D | D | D |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223792559 | xx | xx | xx |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223792560 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223792561 | xx | xx | xx |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223792562 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223792563 | xx | xx | xx |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223792589 | xx | xx | xx |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223792590 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792591 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | C | C | C | C | C |  |
| 223792592 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792593 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792594 | xx | xx | xx |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792595 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792598 | xx | xx | xx |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223792600 | xx | xx | xx |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223792601 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223792604 | xx | xx | xx |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223792606 | xx | xx | xx |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  |
| 223792607 | xx | xx | xx |  |  | C | C | C | C | C |  | D | D | D | D | D |  | C | C | C | C | C |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | C | C | C | C | C |  |
| 223792608 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223792609 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223792610 | xx | xx | xx |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223792611 | xx | xx | xx |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223792612 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792613 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792614 | xx | xx | xx |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223792621 | xx | xx | xx |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223792622 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223792623 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | B | D | C | D |  | D | C | D | C | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | B | A | D | D |  | B | B | B | D | D |  |
| 223792624 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792625 | xx | xx | xx |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223792626 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792627 | xx | xx | xx |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792628 | xx | xx | xx |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223792629 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223792630 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792631 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792632 | xx | xx | xx |  |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  |
| 223792633 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792634 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792635 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | C | C | C | C | C |  |
| 223792636 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792637 | xx | xx | xx |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792639 | xx | xx | xx |  |  | D | D | D | D | D |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223792640 | xx | xx | xx |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792641 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792642 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792652 | xx | xx | xx |  |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  |
| 223792653 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792657 | xx | xx | xx |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792658 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792659 | xx | xx | xx |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223792660 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792661 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | C | C | C | C | C |  |
| 223792662 | xx | xx | xx |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223792663 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223792664 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223792665 | xx | xx | xx |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223792679 | xx | xx | xx |  |  |  |  |  |  |  |  | D | D | D | D | RD | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |
| 223792680 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | RB | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223792681 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | RB | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223792682 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223792683 | xx | xx | xx |  |  |  |  |  |  |  |  | C | C | C | C | RC | C |  |  |  |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223792684 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | RB | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223792685 | xx | xx | xx |  |  |  |  |  |  |  |  | D | D | D | D | RD | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |
| 223792686 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223792687 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223792688 | xx | xx | xx |  |  |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |
| 223792690 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223792691 | xx | xx | xx |  |  |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |
| 223792694 | xx | xx | xx |  |  |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |
| 223792695 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | RB | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223792696 | xx | xx | xx |  |  |  |  |  |  |  |  | A | A | A | A | RA | A |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |
| 223792698 | xx | xx | xx |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223792699 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223792706 | xx | xx | xx |  |  |  |  |  |  |  |  | D | D | D | D | RD | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |
| 223792707 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | RB | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223792709 | xx | xx | xx |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223792710 | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223792711 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | RB | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223792778 | xx | xx | xx |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223792779 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223792782 | xx | xx | xx |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223792783 | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223792784 | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223792785 | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223792786 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223792787 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223792788 | xx | xx | xx |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223792789 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223792793 | xx | xx | xx |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223792794 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223792815 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223792816 | xx | xx | xx |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223792817 | xx | xx | xx |  |  |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |
| 223792818 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223792819 | xx | xx | xx |  |  |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |
| 223792820 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223792821 | xx | xx | xx |  |  |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223792822 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223792823 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223792824 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223792826 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223792828 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223792829 | xx | xx | xx |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223792830 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223792832 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223792835 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223792836 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223792838 | xx | xx | xx |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223792839 | xx | xx | xx |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792841 | xx | xx | xx |  |  | D | D | D | D | D |  |  |  |  |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223792842 | xx | xx | xx |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223792843 | xx | xx | xx |  |  | D | D | D | D | D |  |  |  |  |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223792844 | xx | xx | xx |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223792845 | xx | xx | xx |  |  | B | B | B | B | B |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223792847 | xx | xx | xx |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223812551 | xx | xx | xx |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223812552 | xx | xx | xx |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223812553 | xx | xx | xx |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223812554 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223812555 | xx | xx | xx |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223812556 | xx | xx | xx |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223812557 | xx | xx | xx |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223812558 | xx | xx | xx |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223812559 | xx | xx | xx |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223812560 | xx | xx | xx |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223812562 | xx | xx | xx |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223812563 | xx | xx | xx |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223812564 | xx | xx | xx |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223812565 | xx | xx | xx |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223812566 | xx | xx | xx |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223812568 | xx | xx | xx |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223812570 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223812572 | xx | xx | xx |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223812581 | xx | xx | xx |  |  | C | C | C | C | CC | C | C | C | C | C | RC | C | A | A | A | A | VA | A | C | C | C | C | C | C | B | B | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| 223812582 | xx | xx | xx |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223812583 | xx | xx | xx |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223812584 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223812585 | xx | xx | xx |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223812586 | xx | xx | xx |  |  | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 223812588 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223812589 | xx | xx | xx |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223812590 | xx | xx | xx |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223812592 | xx | xx | xx |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223812595 | xx | xx | xx |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223812596 | xx | xx | xx |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223812597 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223812599 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223812601 | xx | xx | xx |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223812603 | xx | xx | xx |  |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223812606 | xx | xx | xx |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223812609 | xx | xx | xx |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223812611 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223812612 | xx | xx | xx |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223812613 | xx | xx | xx |  |  | C | C | C | C | CC | C | C | C | C | C | RD | C | C | C | C | C | VC | C | C | C | C | C | D | C | A | A | A | A | A | A | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| 223812614 | xx | xx | xx |  |  | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | C | C | C | C | C | C | B | B | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| 223812615 | xx | xx | xx |  |  | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| 223812616 | xx | xx | xx |  |  | C | C | C | C | C | C | B | B | B | B | B | B | A | A | A | A | A | A | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 223812618 | xx | xx | xx |  |  | A | A | A | A | A | A | C | C | C | C | C | C | A | A | A | A | A | A | C | C | C | C | C | C | A | A | A | A | A | A | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| 223812619 | xx | xx | xx |  |  | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B |
| 223812620 | xx | xx | xx |  |  | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 223812621 | xx | xx | xx |  |  | C | C | C | C | CC | C | C | C | C | C | RC | C | A | A | A | A | VA | A | C | C | C | C | C | C | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B |
| 223812649 | xx | xx | xx |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223813793 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813794 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813795 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813796 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813797 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813799 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813800 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813801 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813802 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813803 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813804 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813805 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813806 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813807 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813808 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813809 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813811 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813812 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813813 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813814 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813815 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813816 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813817 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813818 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223813821 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223813822 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223813823 | xx | xx | xx |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223813824 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223813825 | xx | xx | xx |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223813826 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223813828 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223813829 | xx | xx | xx |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223813830 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223813832 | xx | xx | xx |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223813833 | xx | xx | xx |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223813834 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223813835 | xx | xx | xx |  |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223813836 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223813838 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | B | D | C | D |  | D | C | D | C | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | B | D | C | D |  | D | C | D | C | D |  |
| 223813839 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | B | D | C | D |  | D | C | D | C | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | B | D | C | D |  | D | B | D | C | D |  |
| 223813840 | xx | xx | xx |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223813841 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | B | D | C | D |  | D | C | D | C | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | B | D | C | D |  | D | B | D | C | D |  |
| 223813842 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223813843 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223813844 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223813845 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223813846 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223813847 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223813848 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223813849 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223813850 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223813851 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223813852 | xx | xx | xx |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223813853 | xx | xx | xx |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | B | D | C | D |  | D | C | D | C | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | B | D | C | D |  | D | B | D | C | D |  |
| 223815639 | xx | xx | xx |  |  |  |  |  |  |  |  | A | A | A | A | RA | A |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |
| 223815640 | xx | xx | xx |  |  |  |  |  |  |  |  | B | B | B | B | RB | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-5sch5_001.jpg) | ![](ex99-5sch5_001.jpg) | ![](ex99-5sch5_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 7/29/2025 2:39:52 PM** | **Run Date - 7/29/2025 2:39:52 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 223792538 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223792540 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223792542 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223792543 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 223792545 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223792547 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.80 |
| 223792548 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223792549 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223792550 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| 223792551 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| 223792552 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223792553 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223792554 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223792556 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.30 |
| 223792557 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223792558 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223792559 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223792560 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223792561 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.321% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223792562 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223792563 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.80 |
| 223792589 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223792590 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223792591 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223792592 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.564% |  |  | AVM |  | 0.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 223792593 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223792594 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
| 223792595 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| 223792598 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223792600 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.20 |
| 223792601 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.90 |
| 223792604 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223792606 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -11.273% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -19.455% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -11.273% |  |  |  |  |  |  | No |  | 1.00 |
| 223792607 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 223792608 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223792609 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.60 |
| 223792610 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223792611 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| 223792612 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223792613 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223792614 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223792621 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223792622 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223792623 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 14.104% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.104% |  |  |  |  |  |  | N/A |  |  |
| 223792624 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 223792625 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 223792626 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223792627 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223792628 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
| 223792629 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.60 |
| 223792630 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| 223792631 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| 223792632 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 223792633 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 |
| 223792634 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 223792635 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223792636 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| 223792637 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 223792639 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223792640 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 223792641 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 223792642 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.10 |
| 223792652 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223792653 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223792657 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223792658 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.770% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.770% |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
| 223792659 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 223792660 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.20 |
| 223792661 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -100.000% |  |  | Desk Review |  |  | Indeterminate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| 223792662 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223792663 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223792664 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.20 |
| 223792665 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223792679 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792680 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792681 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792682 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792683 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792684 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792685 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792686 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792687 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792688 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792690 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792691 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792694 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792695 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792696 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792698 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792699 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792706 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792707 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792709 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792710 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792711 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792778 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792779 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792782 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792783 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792784 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792785 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792786 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792787 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792788 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792789 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792793 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792794 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792815 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792816 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792817 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792818 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792819 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792820 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792821 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792822 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792823 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792824 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792826 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792828 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792829 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792830 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792832 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792835 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792836 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223792838 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223792839 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223792841 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223792842 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223792843 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 223792844 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 223792845 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223792847 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 223812551 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812552 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223812553 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812554 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812555 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812556 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812557 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812558 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812559 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812560 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812562 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812563 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812564 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812565 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812566 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812568 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812570 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.196% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812572 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 223812581 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812582 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 223812583 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223812584 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.40 |
| 223812585 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.469% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223812586 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812588 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812589 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812590 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812592 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812595 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812596 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812597 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812599 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223812601 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 223812603 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223812606 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812609 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| 223812611 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.90 |
| 223812612 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| 223812613 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812614 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 223812615 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812616 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223812618 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 4.40 |
| 223812619 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812620 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812621 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223812649 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| 223813793 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813794 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813795 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813796 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813797 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813799 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813800 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813801 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813802 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813803 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813804 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813805 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813806 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813807 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813808 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813809 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813811 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813812 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813813 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813814 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813815 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813816 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813817 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813818 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813821 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223813822 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -38.202% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223813823 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223813824 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 223813825 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223813826 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| 223813828 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.50 |
| 223813829 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| 223813830 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223813832 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| 223813833 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223813834 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223813835 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223813836 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223813838 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| 223813839 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223813840 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223813841 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| 223813842 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223813843 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 13.109% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223813844 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223813845 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223813846 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223813847 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| 223813848 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223813849 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223813850 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 223813851 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Desktop Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223813852 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223813853 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| 223815639 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223815640 | xx | xx | xx |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 5**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |
| **Supplemental HELOC Data** | **Supplemental HELOC Data** | **Supplemental HELOC Data** | **Supplemental HELOC Data** | **Supplemental HELOC Data** |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 7/29/2025 2:39:54 PM** | **Run Date - 7/29/2025 2:39:54 PM** | **Run Date - 7/29/2025 2:39:54 PM** | **Run Date - 7/29/2025 2:39:54 PM** | **Run Date - 7/29/2025 2:39:54 PM** |  |  |  |  |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Borrower Name** | **Street** | **City** | **State** | **Zip** | **Mortgage Type** | **Draw Amount** | **Line Limit** | **Draw Period** | **Draw Period Start Date** | **Repayment Period Start date** | **Billing Cycle** |
| 223792699 | xx | xx |  |  |  |  | MA |  | HELOC |  |  | 60 | 05/06/2002 |  | Monthly |
| 223792794 | xx | xx |  |  |  |  | FL |  | HELOC |  |  | 120 | 11/15/2006 |  | Monthly |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller LN** | **Servicer LN** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Title Report Effective Date** | **Title Report Date** | **Tax Certificate Effective Date** | **Subject Lien Recorded** | **Number of Pages Recorded** | **Subject Mortgage Originator** | **Origination Balance** | **Origination Date** | **Recording Date** | **Mortgage Book** | **Mortgage Page** | **Mortgage Doc Number** | **County of Recording** | **State of Recording** | **Critical Defect** | **SMtg Open** | **Address Variation** | **Origination Vesting** | **Current Vesting** | **SMtg First Position Mortgage** | **Prior Lien / Judgment** | **Municipal Lien** | **Association Super Lien** | **Property Tax Lien** | **Property Tax Status** | **SMtg Lien Position (Mortgages)** | **Critical Exception Count** | **Prior Mortgage Exception Count** | **Prior Mortgage Exception Total** | **Prior Mortgage Exception Details** | **Prior Lien Exception Count** | **Prior Lien Exception Total** | **Prior Lien Exception Details** | **Municipal Lien Exception Count** | **Municipal Lien Exception Total** | **Municipal Lien Exception Details** | **Property Tax Lien Exception Count** | **Property Tax Lien Exception Total** | **Property Tax Lien Exception Details** | **Association Lien Exception Count** | **Association Lien Exception Total** | **Association Lien Exception Details** | **IRS Lien Exception Count** | **IRS Lien Exception Total** | **IRS Lien Exception Details** | **Deed Vesting Exception Categories** | **Property Tax Status Issue** | **DQ Property Tax Amount** | **Property Tax Status Details** | **Final Event Level** | **Title Exceptions** | **Title Comments** |
| 241009646 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 01/31/2025 | 02/13/2025 |  | Yes | 26 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 2 | XXXX | XXXXX |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage<br>IRS Lien<br>IRS Lien | XXXX |
| 241009608 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 01/31/2025 | 02/17/2025 |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 241009717 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 01/28/2025 | 02/13/2025 |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 241009805 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 01/30/2025 | 02/14/2025 |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| 241009922 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/16/2025 | 02/20/2025 |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| 241009614 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/12/2025 | 02/16/2025 |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 2 | XXXX | XXXXX |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage<br>IRS Lien<br>IRS Lien | XXXX |
| 241009615 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/07/2025 | 02/15/2025 |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| 220962321 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/05/2025 | 02/13/2025 |  | Yes | 23 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| 220703244 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/04/2025 | 02/14/2025 |  | Yes | 23 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| 241009761 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/10/2025 | 02/18/2025 |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| 241009689 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/11/2025 | 02/12/2025 |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| 241009778 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/11/2025 | 02/12/2025 |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1 | XXXX | XXXXX |  |  |  |  | 2 | Subordinate Liens/Judgments<br>IRS Lien | XXXX |
| 232099301 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/12/2025 | 02/15/2025 |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 241009749 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 01/30/2025 | 02/14/2025 |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Association Lien - Non-Super Lien<br>Association Lien - Non-Super Lien<br>Association Lien - Non-Super Lien<br>Association Lien - Non-Super Lien<br>Mello-Roos Assessment | XXXX |
| 241009690 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 01/30/2025 | 02/14/2025 |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 232094527 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 01/30/2025 | 02/14/2025 |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| 237101652 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/18/2025 | 02/19/2025 |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 3 | Transferred to Land Trust<br>PACE Assessment | XXXX |
| 241009634 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/05/2025 | 02/14/2025 |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| 225157618 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/02/2025 | 02/17/2025 |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| 241009898 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 01/31/2025 | 02/14/2025 |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| 241009715 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 01/23/2025 | 02/14/2025 |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 241009784 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/01/2025 | 02/13/2025 |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| 241009807 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/09/2025 | 02/13/2025 |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| 241009642 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 01/29/2025 | 02/14/2025 |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| 241009910 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/04/2025 | 02/14/2025 |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage<br>Subordinate Liens/Judgments | XXXX |
| 241009905 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 01/31/2025 | 02/17/2025 |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| 241009980 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/10/2025 | 02/15/2025 |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| 241009944 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/03/2025 | 02/20/2025 |  | Yes | 4 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Co-Op Property | XXXX |
| 241009961 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/06/2025 | 02/15/2025 |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 241009985 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 01/31/2025 | 02/15/2025 |  | Yes | 22 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  | XXXX |
| 241009986 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/10/2025 | 02/15/2025 |  | Yes | 22 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 241009988 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/10/2025 | 02/15/2025 |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| 241009994 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/06/2025 | 02/15/2025 |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Subordinate Liens/Judgments<br>Subordinate Mortgage<br>Delinquent Property Taxes | XXXX |
| 241010004 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/05/2025 | 02/15/2025 |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 241010021 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 01/31/2025 | 02/20/2025 |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 241010030 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/10/2025 | 02/15/2025 |  | Yes | 23 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy | XXXX |
| 241010020 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/06/2025 | 02/15/2025 |  | Yes | 24 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 241010040 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/11/2025 | 02/15/2025 |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 241010037 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 01/31/2025 | 02/16/2025 |  | Yes | 48 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Lis Pendens/Foreclosure Action | XXXX |
| 241009955 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 01/31/2025 | 02/15/2025 |  | Yes | 27 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 241010049 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/03/2025 | 02/17/2025 |  | Yes | 22 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 241010058 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 01/31/2025 | 02/15/2025 |  | Yes | 28 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  | XXXX |
| 241010046 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/07/2025 | 02/15/2025 |  | Yes | 22 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 241010062 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/03/2025 | 02/15/2025 |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 241010061 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/12/2025 | 02/25/2025 |  | Yes | 30 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 241010027 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/05/2025 | 02/20/2025 |  | Yes | 3 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Co-Op Property | XXXX |
| 241010057 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/05/2025 | 02/21/2025 |  | Yes | 35 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 241010066 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/13/2025 | 02/18/2025 |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 241010069 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/07/2025 | 02/15/2025 |  | Yes | 22 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 241010070 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 01/31/2025 | 02/14/2025 |  | Yes | 29 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 241010068 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/03/2025 | 02/18/2025 |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 241010076 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 01/31/2025 | 02/15/2025 |  | Yes | 26 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 241010074 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 01/31/2025 | 02/14/2025 |  | Yes | 25 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |
| 241010073 | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | 02/10/2025 | 02/15/2025 |  | Yes | 23 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  | XXXX |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller LN** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Origination Balance** | **Origination Date** | **Unique Exception ID** | **Exception Grade** | **Raw Exception Grade** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **SOL Expired** | **SOL Expiration Date** | **Title Policy** | **Title Policy Insurer** | **Title Policy Effective Date** | **Title Policy Exception** | **Paid on HUD** | **CBR Status** | **Borrower Vested on Title Policy** | **Lien Amount** | **Accrual Rate** | **Lienholder** | **Recording Date** | **Additional Exception Information** |
| 241009646 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097877 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 241009646 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097876 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 241009646 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097879 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 241009646 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097878 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 241009805 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097880 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 241009922 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097881 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 241009614 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097882 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 241009614 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097883 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 241009614 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097884 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 241009614 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097885 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 241009615 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097886 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | No | Yes | Open |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 220962321 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097887 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 220962321 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097888 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 220703244 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097890 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 220703244 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097889 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 241009761 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097891 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 241009689 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097892 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 241009778 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097893 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 241009778 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097894 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 241009749 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097895 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 241009749 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097896 | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 241009749 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097897 | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 241009749 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097898 | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 241009749 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097899 | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 241009749 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097900 | 2 | 2 | Title Diligence | Municipal Lien | Mello-Roos Assessment |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 232094527 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097901 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 237101652 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097903 | 3 | 3 | Title Diligence | Municipal Lien | PACE Assessment |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 237101652 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097902 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 241009634 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097904 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 241009634 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097905 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 225157618 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097906 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 241009898 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097907 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 241009784 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097909 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 241009784 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097910 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 241009807 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097911 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 241009807 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097912 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 241009642 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097914 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 241009642 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097915 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 241009910 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097916 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 241009910 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097917 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 241009905 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097918 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 241009980 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097919 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 241009944 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097920 | 2 | 2 | Title Diligence | Deed Vesting | Co-Op Property |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 241009988 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097923 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 241009994 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097924 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 241009994 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097925 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| 241009994 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097926 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| 241010030 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097928 | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 241010037 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097929 | 2 | 2 | Title Diligence | Miscellaneous | Lis Pendens/Foreclosure Action |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |
| 241010027 | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 34097931 | 2 | 2 | Title Diligence | Deed Vesting | Co-Op Property |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |

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