# EDGAR Filing Document

**Accession Number:** 0001176320
**File Stem:** 0000929638-25-003347
**Filing Date:** 2025-9
**Character Count:** 1827023
**Document Hash:** 97108b506279e77cb6b4d97c66594d78
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-25-003347.hdr.sgml**: 20250903

**ACCESSION NUMBER**: 0000929638-25-003347

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

**PUBLIC DOCUMENT COUNT**: 21

**CONFORMED PERIOD OF REPORT**: 20250903

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

**FILED AS OF DATE**: 20250903

**DATE AS OF CHANGE**: 20250903

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEQUOIA RESIDENTIAL FUNDING INC
- **CENTRAL INDEX KEY:** 0001176320
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 352170972

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-02354
- **FILM NUMBER:** 251288219

**BUSINESS ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
- **BUSINESS PHONE:** 415-389-7373

**MAIL ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEQUOIA RESIDENTIAL FUNDING INC
- **CENTRAL INDEX KEY:** 0001176320
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 352170972

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

**BUSINESS ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
- **BUSINESS PHONE:** 415-389-7373

**MAIL ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEQUOIA RESIDENTIAL FUNDING INC
- **CENTRAL INDEX KEY:** 0001176320
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 352170972

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

**BUSINESS ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
- **BUSINESS PHONE:** 415-389-7373

**MAIL ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941

#### UNITED STATES

#### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

#### FORM ABS-15G

#### ASSET-BACKED SECURITIZER

#### REPORT PURSUANT TO SECTION 15G OF

#### THE SECURITIES EXCHANGE ACT OF 1934

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

___ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period ______________ to ______________.

---

| |
|:---|
| Date of Report (Date of earliest event reported): ______________ |
| Commission File Number of securitizer:&nbsp;&nbsp;&nbsp;&nbsp; ______________ |
| Central Index Key Number of securitizer:&nbsp;&nbsp;&nbsp;&nbsp; ______________ |

---

<u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u> <br> Name and telephone number, including area code, of the person to

contact in connection with this filing.

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

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

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

_<u>X</u>_ Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: 0001176320

Central Index Key Number of sponsor: N/A

<u>Sequoia Mortgage Trust 2025-9</u>

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

Central Index Key Number of issuing entity (if applicable): N/A

Central Index Key Number of underwriter (if applicable): N/A

<u>Ashley Templeton, (303) 376-3688</u><br> Name and telephone number, including area code, of the person to

contact in connection with this filing.

------

#### INFORMATION TO BE INCLUDED IN THE REPORT

---

| | |
|:---|:---|
| **Item 2.01.** | **<u>Findings and Conclusions of a Third Party Due Diligence Report Obtained By the Issuer</u>** |

---

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

------

#### SIGNATURES

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

Dated: September 3, 2025

---

| | | |
|:---|:---|:---|
| SEQUOIA RESIDENTIAL FUNDING, INC. | SEQUOIA RESIDENTIAL FUNDING, INC. | SEQUOIA RESIDENTIAL FUNDING, INC. |
| (Depositor) | (Depositor) | (Depositor) |
| By:  | <u>/s/ Jeremy Strom</u><u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u>  | <u>/s/ Jeremy Strom</u><u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u>  |
|  | Name:  | Jeremy Strom |
|  | Title: | Authorized Officer |

---

------

#### EXHIBIT INDEX

<u>Exhibit Number</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.1 Clayton Services LLC ("Clayton") Due Diligence Narrative Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.2 Clayton Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.3 Clayton Rating Agency ATR QM Data Fields

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.4 Clayton ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.5 Clayton Valuations Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.6 Clayton Conditions Report 2.0

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.7 Clayton Waived Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.8 AMC Diligence, LLC ("AMC") Due Diligence Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.9 AMC Loan Securitization Report Set

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.10 Consolidated Analytics, Inc ("Consolidated Analytics") Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.11 Consolidated Analytics Due Diligence Standard Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.12 Consolidated Analytics Rating Agency Grades Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.13 Consolidated Analytics Valuations Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.14 Consolidated Analytics Data Compare Report

## Exhibit 99.1

![](clayton_logo.gif)

SEMT 2025-9 <br>

![](clayton_cover.jpg)

### Due Diligence Narrative Report

### <br>

### August 28, 2025

------

![](clayton_logo.gif)

 **TABLE OF CONTENTS**

<br> ---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2**  |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2**<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sampling* | *3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sponsor Acquisition Criteria* | *3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Loan Grading* | *3*<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *TPR Component Review Scope* | *4*<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Capture* | *6* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Integrity* | *6* |
| **Data Compare Results** | **7**  |
| **Clayton Due Diligence Results** | **8**<br>|
| **Clayton Third Party Reports Delivered** | **9**<br>|
| **Appendix A: Credit Review Scope** | **10**  |
| **Appendix B: Origination Appraisal Assessment**<br>| 13  |
| **Appendix C: Regulatory Compliance Review Scope** | **16**<br>|

---

SEMT 2025-9 Due Diligence Narrative Report Page \| 1 August 28, 2025

------

![](clayton_logo.gif) <br>

#### CLAYTON CONTACT INFORMATION
Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](bullet.gif) | **Chris Turk**<br>| Client Service Manager<br>|
|  |  | Phone: (813) 472-6509/E-mail: <u>cturk</u><u>@clayton.com</u> |
| ![](bullet.gif) | **Joe Ozment** | Director of Securitization<br>|
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

OVERVIEW

On behalf of Redwood Trust, Clayton conducted an independent third-party pre-securitization due diligence review of 297 residential loans selected for the SEMT 2025-9 transaction.

The loans referenced in this narrative report were reviewed on a flow basis from April 2025 to August 2025 at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

ORIGINATORS

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 21 | 7.07% |
| Retail | 276 | 92.93% |
| **Total** | **297** | **100.00%** |

---

CLAYTON'S THIRD PARTY REVIEW ("TPR") SCOPE OF WORK

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

------

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

SEMT 2025-9 Due Diligence Narrative Report Page \| 2 August 28, 2024

------

![](clayton_logo.gif)

SAMPLING

For all originators in this transaction the loans received a Full Review. For Redwood Trust all of the loans were selected for a Full review and the remaining loans received a "Limited Review" as described below. <br>

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | ***Loan Count*<br> *Reviewed by Clayton***  | ***Scope Applied*** |
| **Full Review** | 297 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Limited Review** | 9 | Redwood Trust elected to have Clayton conduct a Limited Review in lieu of a Full Review on selected loans. This review was beyond the required minimum sample. The Limited Review consisted of a data capture and document assessment of the Final 1003 (Loan Application), Credit Report, Appraisal, Final HUD-1, Title Policy, Deed of Trust/Mortgage, Note and Purchase Contract. Loan grading was not applied to Limited Review loans. *The Clayton Review Results section of this narrative report does <u>not</u> include any loans from the Limited Review.*<br>If any required documents were missing, Clayton submitted appropriate conditions to Redwood Trust. Redwood Trust was responsible for obtaining any missing documents from its sellers in order to clear document conditions on Limited Reviews. |
| **Total Loan Population** | 306 |  |

---

SPONSOR ACQUISITION CRITERIA

The loans were originated to Redwood/Jumbo Program Eligibility Guide Select QM Version 2.3, 2.4, 2.5, 2.8, 2.9

LOAN GRADING

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

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

SEMT 2025-9 Due Diligence Narrative Report Page \| 3 August 28, 2024

------

![](clayton_logo.gif)

TPR COMPONENT REVIEW SCOPE

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

CREDIT REVIEW<br>

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

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

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

◾ Analyzed asset statements in order to determine whether funds to close and reserves were within Sponsor Acquisition Criteria;

◾ Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

◾ Evaluated evidence of borrower's willingness and ability to repay the obligation;

---

| | |
|:---|:---|
| ◾ | Examined Data Verify risk evaluation report, which was ordered and received by Clayton for income, employment, Nationwide Multistate Licensing System and Registry ("NMLS") and occupancy status alerts. Clayton researched alert information against loan documentation and assigned loan conditions accordingly. |

---

PROPERTY VALUATION REVIEW<br>

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

<br> ◾ Original Appraisal Assessment

<br> - Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

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

◾ Value Supported Analysis

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

For loans reviewed in a post-close valuation review scenario:

For loans reviewed in a post-close valuation review scenario various products were ordered to support the value within a 10% tolerance such as Desk Review, Field Reviews, AVMs, BPOs, Reconciliations or loans included a 2<sup>nd</sup> appraisal to support the value. Please refer to the Valuations Report for additional details per loan.<br>

<br> - Clayton did not have independent access to any valuation products ordered by the Sellers.

<br> - Loans that had a Collateral Underwriter through Fannie/DU with a score of 2.5 or less and therefore did not require a 3rd party valuation product.

SEMT 2025-9 Due Diligence Narrative Report Page \| 4 August 28, 2024

------

![](clayton_logo.gif)

REGULATORY COMPLIANCE REVIEW<br>

Clayton's Regulatory Compliance scope of review conducted on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u> and to the guidelines cited above.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

<br> ◾ Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

<br> ◾ Assessed compliance with state specific consumer protection laws by testing late charge and prepayment penalty provisions;

<br> ◾ Truth-in-lending/regulation Z (TILA) testing included the following:

<br> - Notice of Right to Cancel (Right of Rescission) adherence if applicable;

<br> - TIL Disclosure Timing (3/7/3) and disclosure content;

<br> - TIL APR and Finance charge tolerances;

<br> - Timeliness of ARM Disclosures (if applicable);

<br> - Section 32 APR and Points and Fees Thresholds and prohibited practices;

<br> - Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

<br> - Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on all loans in the pool. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. <br>

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation depending on the loan's undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required rate reduction per discount point. |

---

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point. However, client reserves the right to review on a case-by- case basis.<br>

<br> - Prepayment Penalty restrictions.

TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd- Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau.<br>

<br> ◾ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

<br> - GFE initial disclosure timing and content;

<br> - Confirmed the file contains the final HUD1 Settlement Statement;

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

<br> - Homeownership Counseling Notice;

<br> - Affiliated Business Disclosure if applicable.

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

SEMT 2025-9 Due Diligence Narrative Report Page \| 5 August 28, 2024

------

![](clayton_logo.gif)

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

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

Clayton applied the enhanced RMBS 3.0 TRID Compliance Review Scope to all loans in this transaction.

DATA CAPTURE

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

DATA INTEGRITY

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

◾ Tape data received from lender/client is stored in eCLAS;

◾ Loan Reviewer collects validated loan data in eCLAS;

◾ Each received data point is compared to its counterpart collected data point;

◾ Discrepancies found during comparison are stored

SEMT 2025-9 Due Diligence Narrative Report Page \| 6 August 28, 2024

------

![](clayton_logo.gif) <br>

DATA COMPARE RESULTS

Clayton provided Redwood Trust with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review. <br>

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **Accuracy %** |
| Combined LTV | 15 | 94.95% |
| Debt to Income Ratio (Back) | 54 | 81.82% |
| Note Rate | 1 | 99.66% |
| Original Balance | 4 | 98.65% |
| Original LTV | 15 | 94.95% |

---

Clayton received the following data fields listed below from RWT and provided a summary of the discrepancies above. We did not include the deltas found for borrower names and addresses for PII purposes.

---

| | |
|:---|:---|
| **Data Provided** | **Clayton provided Delta's** |
| **Borrower 1 First Time Home Buyer** | **No** |
| **Combined LTV** | **Yes** |
| **Debt to Income Ratio** | **Yes** |
| **Loan Purpose** | **No** |
| **Note Rate** | **Yes** |
| **Occupancy Type** | **No** |
| **Original Balance** | **Yes** |
| **Original LTV** | **Yes** |
| **Prepay Penalty Term** | **No** |
| **Property Type** | **No** |
| **Representative Credit Score for Grading** | **No** |
| **Sales Price** | **No** |
| **Borrower 1 First Name** | **No** |
| **Borrower 1 Last Name** | **No** |
| **Property City** | **No** |
| **Property Street Address** | **No** |
| **Property Zip** | **No** |

---

SEMT 2025-9 Due Diligence Narrative Report Page \| 7 August 28, 2024

------

![](clayton_logo.gif)

CLAYTON DUE DILIGENCE RESULTS

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

**Initial and Final Overall Loan Grade Results** 

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 132<br>| 8 | 34 | 64 | **238** |
| **Final** | **B** |  | 11 | 26 | 21 | **58**  |
| **Final** | **C** |  |  |  | 1 | **1**  |
| **Final** | **D** |  |  |  |  | **0**  |
| **Final** | **Total** | **132**  | **19**  | **60** | **86**  | **297**  |

---

#### Initial and Final Credit Component Grade Results

**---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | Credit Grade Migration | Credit Grade Migration | Credit Grade Migration | Credit Grade Migration | Credit Grade Migration | Credit Grade Migration |
|  | Initial | Initial | Initial | Initial | Initial | Initial |
| Final |  | A | B | C | D | Total |
| Final | A | 188 | 8 | 17 | 53 | 265 |
| Final | B |  | 12 | 11 | 9 | 32 |
| Final | C |  |  |  |  | 0 |
| Final | D |  |  |  |  | 0 |
| Final | Total | 188 | 19 | 28 | 62 | 297 |

---

**

#### Initial and Final Property Valuation Grade Results

**---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | Property Valuation Grade Migration | Property Valuation Grade Migration | Property Valuation Grade Migration | Property Valuation Grade Migration | Property Valuation Grade Migration | Property Valuation Grade Migration |
| | Initial | Initial | Initial | Initial | Initial | Initial |
| Final |  | A | B | C | D | Total |
| Final | A | 280<br>| 1 | 6 | 10 | 297 |
| Final | B |  |  |  |  | 0 |
| Final | C |  |  |  |  | 0 |
| Final | D |  |  |  |  | 0 |
| Final | Total | 280 | 1 | 6 | 10 | 297 |

---

**

#### <br>

#### Initial and Final Regulatory Compliance Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 200<br>| 4 | 26 | 36 | **266**  |
| **Final** | **B** |  | 5 | 21 | 4 | **30**  |
| **Final** | **C** |  |  |  | 1 | **1**  |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **200**  | **9**  | **47** | **41**  | **297** |

---

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

SEMT 2025-9 Due Diligence Narrative Report Page \| 8 August 28, 2024

------

![](clayton_logo.gif)

CLAYTON THIRD PARTY REPORTS DELIVERED

Clayton furnished the following reports on this transaction:

<br> 1. Narrative Report

<br> 2. Attestation Forms

<br> 3. ASF Upload

<br> 4. ATR QM Upload

<br> 5. Conditions Report

<br> 6. HOA Report

<br> 7. Loan Level Tape Compare Upload

<br> 8. Rating Agency ATR QM Upload

<br> 9. Sale Report

<br> 10. Valuations Summary Reports

<br> 11. Waived Conditions Summary Report

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

SEMT 2025-9 Due Diligence Narrative Report Page \| 9 August 28, 2024

------

![](clayton_logo.gif)

APPENDIX A: CREDIT REVIEW SCOPE

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

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

<br> o DTI

<br> o LTV/TLTV/HLTV

<br> o Credit score

<br> o Income and employment

<br> o Assets and reserves

<br> o Property type and use eligibility; and if the property type was a condominium or cooperative, assessed project adherence

<br> o Borrower eligibility, including:

-&nbsp;&nbsp;&nbsp;&nbsp;Citizenship status

-&nbsp;&nbsp;&nbsp;&nbsp;Non- occupant co-borrower

<br> o Transaction eligibility, including:

-&nbsp;&nbsp;&nbsp;&nbsp;Maximum loan amount

-&nbsp;&nbsp;&nbsp;&nbsp;Loan purpose

-&nbsp;&nbsp;&nbsp;&nbsp;Occupancy

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

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

<br> o Uniform Residential Loan Application reviewed to determine:

<br> - Initial loan application was in the loan file and was signed by all borrowers

<br> - Final loan application was in the loan file and was complete

<br> - Information and debts disclosed on loan application aligned with related documentation in the loan file

<br> o Employment analyzed and verified through use of various documents, including:

<br> - Income documentation

<br> - Verbal and/or written verifications of employments (VVOE, VOE)

<br> - CPA letter

<br> - Business licenses

<br> - Tax transcripts (IRS Form 4506-T)

<br> - Other documentation in loan file

<br> o Income review included:

<br> - Required income documentation for all borrowers was present and within required time period

<br> - Documents did not appear to have been altered or inconsistent

<br> - IRS Form 4506-T

<br> ◾ Signed by all borrowers and processed by the originator

<br> ◾ Compared IRS tax transcripts to income documentation and noted any inconsistencies

<br> - Income was recalculated and was documented with applicable documentation, including:

<br> ◾ Tax returns

<br> ◾ Financial statements

<br> ◾ Paystubs

<br> ◾ W-2s

SEMT 2025-9 Due Diligence Narrative Report Page \| 10 August 28, 2024

------

![](clayton_logo.gif) <br>

<br> ◾ 1099

<br> ◾ IRS documents

<br> ◾ Bank statements

<br> ◾ Lease agreements

<br> ◾ Award letters

<br> ◾ Other documentation in loan file

<br> o Asset review included:

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

<br> ◾ Verification of deposits (VOD)

<br> ◾ Depository account statements

<br> ◾ Stock or security account statements

<br> ◾ Gift funds

<br> ◾ Settlements statements

<br> ◾ Other evidence of conveyance and transfer of funds, if a sale of assets was involved

<br> ◾ Other documentation in loan file

<br> - Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

<br> o Credit Report review included:

<br> - Complete copy of report was in loan file

<br> - Report was dated within required timeframe

<br> - All borrowers were included in the report

<br> - Checked any fraud alerts against related loan file documentation

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

<br> - Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

<br> - Captured and utilized appropriate credit score for guideline review

<br> o Title policy review included:

<br> - Title interest – determined if

<br> ◾ Fee simple

<br> ◾ Leasehold estate

<br> - Appropriate vestee(s) were listed on title policy

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

<br> - Applicable title endorsements were present

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

<br> - Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

<br> - Captured monthly tax payments in debt ratio calculation

<br> o HUD1 (Settlement Statement) review included:

<br> - Funds to close identified and analyzed against borrower's assets

<br> - Seller contributions did not exceed maximum allowed

<br> - Subject property, seller and borrower aligned with other loan documentation

<br> - Disbursements and pay-offs included in debt ratio calculations

<br> - Loan purpose confirmed

<br> o Hazard/Flood insurance review included:

<br> - Verified presence of required hazard insurance and flood insurance (if required)

SEMT 2025-9 Due Diligence Narrative Report Page \| 11 August 28, 2024

------

![](clayton_logo.gif)

<br> - Confirmed that any required insurance was for the:

<br> ◾ Correct borrower

<br> ◾ Correct property

<br> ◾ Correct lender

<br> ◾ Correct loan number

<br> ◾ Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period<br>

<br> - Reviewed for evidence that any required insurance policy premium was paid

<br> - Confirmed that the mortgagee clause listed the lender's name and "it's successors and assigns"

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

<br> o Mortgage Insurance review included:

<br> - Determined if mortgage insurance is required

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

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

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

<br> o Borrower identity

<br> - Social Security inconsistencies

<br> - Borrower name variations

<br> o Occupancy

<br> - Borrower address history

<br> - Subject property ownership history

<br> o Employment

<br> o Licensing – reviewed NMLS data for:

<br> - Mortgage lender/originator

<br> - Loan officer

<br> o OFAC

SEMT 2025-9 Due Diligence Narrative Report Page \| 12 August 28, 2024

------

![](clayton_logo.gif)

APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT<br>

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

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

<br> o Appraisal report used standard GSE forms, appropriate to the property type:

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

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

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

<br> - FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

<br> - FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

<br> - FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

<br> o Appraisal report was reasonably complete and included:

<br> - Appraisal report form, certification, statement of limiting conditions and scope of work

<br> - Accurate identification of the subject property

<br> - Accurate identification of the subject loan transaction

<br> - Accurate identification of the property type, in both land and improvements

<br> - All required attachments including:

<br> ◾ Subject front, rear and street photos and valued features

<br> ◾ Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

<br> ◾ Photos of all comparable sales and listings

<br> ◾ Location map

<br> ◾ Exterior sketch of property with dimensions

<br> ◾ 1004MC Market Conditions Report

<br> - Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all material conditions

<br> - Appraisal date met supplied Sponsor Acquisition Criteria

<br> - If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

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

<br> o Title XI of FIRREA:

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

<br> - Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal.

SEMT 2025-9 Due Diligence Narrative Report Page \| 13 August 28, 2024

------

![](clayton_logo.gif)

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

<br> o USPAP

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

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

<br> o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

<br> - Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

<br> - Comps used were reasonably recent in transaction date and if not the reason was furnished

<br> - Comps used were reasonably similar to the subject property and if not an explanation was supplied

<br> - Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | Property was complete. However, if the property was not 100% complete, then any unfinished portion had no material impact to the value, safety, soundness, structural integrity, habitability or marketability of the subject property |

---

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

<br> - Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions

<br> - Property usage was reviewed for zoning compliance

<br> - Property utilization was reviewed to determine it was "highest and best use"

<br> - Neighborhood values were reviewed to determine if declining

<br> - Market conditions were reviewed to determine indication of possible marketability issues:

<br> ◾ Location

---

| | |
|:---|:---|
| ◾ | % built up |

---

<br> ◾ Growth rate

<br> ◾ Demand/supply

<br> ◾ Marketing time

<br> ◾ Predominant occupancy

<br> - Physical condition of the property was reviewed to determine that the property condition was average or better

<br> - Style of property was reviewed to determine if unique property

<br> - Any health and safety issues were noted and/or remediated

<br> - Locational and/or environmental concerns adequately addressed if present

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

<br> o 3 to 4 unit owner occupied properties

<br> o 2 to 4 unit second homes

<br> o Unwarrantable or limited review condominiums

<br> o Manufactured or mobile homes

<br> o Condotel units

<br> o Unique properties

<br> o Working farms, ranches or orchards

<br> o Mixed-use properties

<br> o Properties subject to existing oil or gas leases

<br> o Properties located in Hawaii Lava Zones 1 and 2

<br> o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage <br>

SEMT 2025-9 Due Diligence Narrative Report Page \| 14 August 28, 2024

------

![](clayton_logo.gif)

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

---

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

---

&nbsp;&nbsp;&nbsp;&nbsp;F. Disclaimer

---

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

---

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

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

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

<br> o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

&nbsp;&nbsp;&nbsp;&nbsp;G. Desk Review definitions

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | RedBell "Valuation Risk Review" or ("VRR") means Supplier's alternative valuation product which consists of a review of a third-party valuation product (appraisal or BPO) by a licensed real estate appraiser. The review is conducted to confirm the value provided in the third-party valuation product or provide a new reconciled, independent value. |

---

SEMT 2025-9 Due Diligence Narrative Report Page \| 15 August 28, 2024

------

![](clayton_logo.gif)

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

#### Federal Law

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

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

<br> o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

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

<br> o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual loan terms from the Note

---

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

---

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

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

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

---

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

---

---

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

---

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

**Truth in Lending Act and Regulation Z** – (continued)

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

<br> o High Cost mortgage thresholds for points and fees (Section 32)

<br> o High Cost Prohibited Acts and Practices upon request (Section 33)

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on all loans in the pool, confirm the loan file contains documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. |

---

SEMT 2025-9 Due Diligence Narrative Report Page \| 16 August 28, 2024

------

![](clayton_logo.gif)

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau. |

---

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

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

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

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

#### STATE, COUNTY and MUNICIPAL LAW

&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Higher-Priced** 

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

---

| | | |
|:---|:---|:---|
| **Higher-Priced** | **Higher-Priced** | **Higher-Priced** |
| California | Maryland | New York |
| Connecticut | Massachusetts (subprime ARMS to first time homebuyers) | North Carolina |
| Maine | Minnesota |  |

---

SEMT 2025-9 Due Diligence Narrative Report Page \| 17 August 28, 2024

------

![](clayton_logo.gif)

&nbsp;&nbsp;&nbsp;&nbsp;**B.** **State/Local High Cost** 

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

---

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

---

&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Anti-Predatory** 

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

<br> • Minnesota (Mortgage Originator and Service Licensing Act)

<br> • Puerto Rico (Office Regulation 5722)

<br> • Texas (Texas Finance Code)

<br> • West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

&nbsp;&nbsp;&nbsp;&nbsp;**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

| | | |
|:---|:---|:---|
| **Borrower's Interest** | **Borrower's Interest** | **Borrower's Interest** |
| Maine | Ohio | South Carolina |
| Massachusetts | Rhode Island |  |

---

SEMT 2025-9 Due Diligence Narrative Report Page \| 18 August 28, 2024

------

![](clayton_logo.gif)

&nbsp;&nbsp;&nbsp;&nbsp;**E.** **Consumer Protection** 

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

---

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

---

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

&nbsp;&nbsp;&nbsp;&nbsp;**F.** **Texas Equity** 

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

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

SEMT 2025-9 Due Diligence Narrative Report Page \| 19 August 28, 2024

------

![](clayton_logo.gif)

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

<br>© 2025 Clayton Services LLC. All rights reserved.

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

SEMT 2025-9 Due Diligence Narrative Report Page \| 20<br> August 28, 2024

## Exhibit 99.2

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |
| **Client Project Name:** | **SEMT 2025-9** |  |  |  |
| **Start - End Dates:** | **5/1/2025 - 8/21/2025** | **5/1/2025 - 8/21/2025** |  |  |
| **Deal Loan Count:** | **297** |  |  |  |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |  |
| *Loans in Report* | *297* |  |  |  |
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 409013096 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409013096 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409013154 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013515 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013775 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013864 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409013864 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409013899 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013928 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409014014 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409014171 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409014178 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409014193 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409014196 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409014196 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409014196 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409014203 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409014280 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409014280 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409014280 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409014687 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409014912 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409014912 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409014912 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409014932 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409014932 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409014932 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409014937 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409014990 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409014990 | XXXXX | Note Rate | XXXXX | XXXXX |
| 409014997 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015108 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015176 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409015179 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015193 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015216 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015442 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409015474 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015495 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409015495 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409015514 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409015568 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015604 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015646 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015683 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015685 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015687 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015690 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409015690 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015690 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409015699 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015705 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015728 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015734 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015738 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015773 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409015773 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409015797 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015848 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015872 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015911 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409015911 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409015936 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015987 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409016270 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409016329 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409016331 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409016407 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409016512 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409016518 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409016518 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409016572 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409016586 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409016641 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409016641 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409016855 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409016855 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409016891 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409016896 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409016915 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409016915 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409016946 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409016946 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409017041 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409017323 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409017342 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409017342 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409017904 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409018469 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
|©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.3

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **SEMT 2025-9** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **5/1/2025 - 8/21/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **297** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *297* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 409011444 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1545 | XXXXX | 6.6453 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409011460 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 899 | XXXXX | 6.8888 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409012380 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1720 | XXXXX | 6.896 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409012788 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1620 | XXXXX | 7.3912 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409013096 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 13999 | XXXXX | 7.2543 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409013154 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 21316.5 | XXXXX | 7.8762 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409013312 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 5999 | XXXXX | 7.2129 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013329 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 5479 | XXXXX | 7.0759 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | Yes | XXXXX |
| 409013334 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 12855 | XXXXX | 6.6548 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013340 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 32339.48 | XXXXX | 6.9832 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Yes | XXXXX |
| 409013342 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 21157.5 | XXXXX | 6.6614 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409013515 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 12999 | XXXXX | 6.9305 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013538 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1730 | XXXXX | 7.0345 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013544 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 7695 | XXXXX | 6.9585 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013650 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 6988.8 | XXXXX | 6.7586 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013775 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1965.6 | XXXXX | 6.8395 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013787 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9481 | XXXXX | 6.94 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409013864 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2270 | XXXXX | 6.9052 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013890 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1900 | XXXXX | 6.5452 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013899 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1120 | XXXXX | 7.1359 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013904 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1725 | XXXXX | 7.515 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013905 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10639.63 | XXXXX | 7.7439 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013928 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1500 | XXXXX | 6.9368 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013957 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 16295 | XXXXX | 6.8975 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013966 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1735.25 | XXXXX | 6.9132 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409013998 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 11269 | XXXXX | 7.5169 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014014 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 7898.32 | XXXXX | 7.2731 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014027 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1790 | XXXXX | 7.1486 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014055 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 995 | XXXXX | 6.4168 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | Yes | XXXXX |
| 409014098 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 495 | XXXXX | 7.3799 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014121 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 24385 | XXXXX | 7.8796 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014126 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2095 | XXXXX | 7.3011 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014131 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1820 | XXXXX | 6.9304 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014139 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 5571 | XXXXX | 6.8519 | Employed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409014171 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1295 | XXXXX | 6.8943 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014178 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1825.25 | XXXXX | 6.894 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409014187 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1825.25 | XXXXX | 7.1983 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014193 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 7.1466 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014196 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1670 | XXXXX | 7.2706 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014203 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1320 | XXXXX | 7.4582 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014215 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2070 | XXXXX | 6.9384 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014216 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 7666.51 | XXXXX | 7.4514 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014217 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2070 | XXXXX | 7.2005 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014224 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1425 | XXXXX | 6.6653 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014277 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2095 | XXXXX | 6.586 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014280 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1195 | XXXXX | 6.5948 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014286 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1245 | XXXXX | 7.1804 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014669 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 13191.4 | XXXXX | 7.6087 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014682 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1837 | XXXXX | 7.4289 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409014687 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1690 | XXXXX | 7.2774 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014689 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1315 | XXXXX | 6.8693 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014893 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1625.25 | XXXXX | 6.8703 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014894 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1680 | XXXXX | 6.804 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409014912 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 7.0143 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014932 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1945 | XXXXX | 6.7424 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014937 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.7833 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014941 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1975.25 | XXXXX | 6.8963 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409014961 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.9089 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014990 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1225 | XXXXX | 7.3931 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014997 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1494.25 | XXXXX | 7.0202 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015084 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1770 | XXXXX | 6.5097 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015108 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1790 | XXXXX | 6.1792 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015118 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 15660.24 | XXXXX | 7.0354 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015148 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2204.25 | XXXXX | 6.7735 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015163 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 15773.75 | XXXXX | 7.6743 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015176 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1620 | XXXXX | 6.7705 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015179 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 7.0381 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015181 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1273 | XXXXX | 7.5134 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015189 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3406.5 | XXXXX | 7.1469 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015193 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 7.0326 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015195 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2937.25 | XXXXX | 7.0215 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015216 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1765 | XXXXX | 6.6511 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015224 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1780 | XXXXX | 6.7743 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015432 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 7.0149 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015442 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.6706 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015443 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1698 | XXXXX | 6.9103 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015447 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 44695 | XXXXX | 7.2649 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015459 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1570 | XXXXX | 7.1514 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015465 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2080 | XXXXX | 7.0081 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015471 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1694 | XXXXX | 6.8992 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015474 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.6501 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015480 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 21875 | XXXXX | 6.903 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015488 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 6442.73 | XXXXX | 6.9589 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015495 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1690 | XXXXX | 7.1494 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015500 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1195 | XXXXX | 6.6427 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXX |
| 409015509 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 7.1522 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| 409015511 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2415.25 | XXXXX | 6.8902 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015514 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1480.25 | XXXXX | 7.1385 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409015520 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3883.25 | XXXXX | 7.049 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015529 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1390 | XXXXX | 7.2721 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015536 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1075 | XXXXX | 6.8937 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015537 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1419 | XXXXX | 7.0473 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409015538 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1745 | XXXXX | 6.9592 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015550 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2070 | XXXXX | 6.817 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015565 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 7.525 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015568 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1735 | XXXXX | 7.1541 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015572 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2350.4 | XXXXX | 6.9107 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015574 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1690 | XXXXX | 7.0268 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015578 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1300 | XXXXX | 6.7818 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015579 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.9002 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015597 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3306.5 | XXXXX | 7.0229 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015604 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2636.76 | XXXXX | 6.522 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409015608 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 7.1583 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015615 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1125 | XXXXX | 7.0342 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015622 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1690 | XXXXX | 6.4336 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015624 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9645 | XXXXX | 6.9621 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015625 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 37295 | XXXXX | 6.995 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015643 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1419 | XXXXX | 6.7858 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015646 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.7974 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015648 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1670 | XXXXX | 6.8046 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015664 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1680 | XXXXX | 6.7026 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015668 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1615 | XXXXX | 6.596 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015669 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1650 | XXXXX | 6.7631 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015677 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1725 | XXXXX | 6.8962 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015681 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.3642 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409015682 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 414 | XXXXX | 6.6693 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXX |
| 409015683 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1930 | XXXXX | 6.9007 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015684 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 14595 | XXXXX | 6.3969 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015685 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 6.9013 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015687 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1219.95 | XXXXX | 6.7888 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015690 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1285 | XXXXX | 6.7756 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015692 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1945 | XXXXX | 6.7496 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015698 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3185.68 | XXXXX | 7.0256 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015699 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1550 | XXXXX | 6.5206 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015701 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 13575 | XXXXX | 7.1176 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015705 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1290 | XXXXX | 7.2678 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015726 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1710 | XXXXX | 7.0125 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015728 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1219.95 | XXXXX | 6.8957 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015734 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1846.5 | XXXXX | 6.9078 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015738 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2090 | XXXXX | 6.6592 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015739 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1845 | XXXXX | 6.9311 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409015740 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3095 | XXXXX | 6.7858 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015757 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2030.25 | XXXXX | 6.9043 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409015763 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.8063 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015765 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1820.25 | XXXXX | 6.8895 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015769 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.6738 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015771 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 17513.96 | XXXXX | 6.7462 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015773 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2643.6 | XXXXX | 6.7869 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015797 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 7.0135 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015798 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2421 | XXXXX | 7.2882 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015799 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1793 | XXXXX | 7.1587 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015846 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1699 | XXXXX | 7.2873 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015848 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2025.25 | XXXXX | 7.3252 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015850 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1915 | XXXXX | 6.8975 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015860 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 19607.01 | XXXXX | 6.7908 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015868 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2070 | XXXXX | 6.9922 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015870 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2020 | XXXXX | 6.4174 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015872 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9270 | XXXXX | 6.5134 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015888 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.917 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015892 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1605 | XXXXX | 6.9738 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409015902 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1798 | XXXXX | 7.3937 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015903 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 7.4404 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015911 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1550 | XXXXX | 7.0193 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015912 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1458 | XXXXX | 6.2872 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409015916 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1299 | XXXXX | 7.1239 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015928 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1690 | XXXXX | 6.7759 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015932 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1694 | XXXXX | 6.9059 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015936 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.844 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015939 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1725 | XXXXX | 6.8632 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015944 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1975.25 | XXXXX | 6.8303 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015946 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2020 | XXXXX | 7.6911 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409015969 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1720 | XXXXX | 7.8745 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015978 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1520 | XXXXX | 7.5231 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015986 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1770 | XXXXX | 7.7683 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015987 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2020 | XXXXX | 7.9226 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015999 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2020 | XXXXX | 7.5417 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409016013 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1954 | XXXXX | 6.9535 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016028 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1780 | XXXXX | 6.4947 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016041 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1450 | XXXXX | 7.143 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016042 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1698 | XXXXX | 7.1511 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409016058 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 280.25 | XXXXX | 6.878 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016070 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1545 | XXXXX | 6.8909 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016085 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2975.71 | XXXXX | 6.8083 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016258 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2930.24 | XXXXX | 6.9132 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016261 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.7617 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016268 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1625.25 | XXXXX | 6.9793 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016270 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2020.25 | XXXXX | 7.0218 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016278 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2100 | XXXXX | 6.9035 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016288 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2087 | XXXXX | 7.0239 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016304 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.532 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016306 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1545 | XXXXX | 6.6438 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016307 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 6.7386 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016329 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1830 | XXXXX | 6.9016 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016330 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1950 | XXXXX | 7.4684 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016331 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3165 | XXXXX | 6.6194 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016334 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1517 | XXXXX | 7.2689 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016339 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10623.48 | XXXXX | 6.8658 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016352 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.5506 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXX |
| 409016368 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2000 | XXXXX | 6.6808 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016373 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2240 | XXXXX | 7.0463 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016388 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.7337 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016407 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1750 | XXXXX | 6.7668 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016512 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1635 | XXXXX | 6.5274 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016518 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.682 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016544 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 56434 | XXXXX | 7.5013 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409016559 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 164 | XXXXX | 6.7191 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016565 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2595 | XXXXX | 6.7739 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016568 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1717 | XXXXX | 6.5133 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409016569 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1745 | XXXXX | 6.5822 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016572 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1910.25 | XXXXX | 6.7707 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016576 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1075 | XXXXX | 6.519 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016584 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1725.25 | XXXXX | 6.6758 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016586 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1200 | XXXXX | 6.5271 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016590 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 21785.54 | XXXXX | 7.3223 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016624 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.5205 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016637 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1600 | XXXXX | 7.2996 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409016641 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10295 | XXXXX | 7.5101 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016642 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 40140 | XXXXX | 7.6046 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016655 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1670 | XXXXX | 6.177 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409016661 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2025.25 | XXXXX | 6.7065 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016694 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9305 | XXXXX | 6.9432 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016852 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1755 | XXXXX | 7.0138 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016855 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.8941 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016860 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1499 | XXXXX | 6.7757 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016861 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.6435 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409016867 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2135 | XXXXX | 6.4502 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016872 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.3869 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016875 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2249 | XXXXX | 7.0306 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409016891 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.9065 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409016896 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1710 | XXXXX | 6.6499 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016897 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1710 | XXXXX | 6.9011 | Unemployed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409016915 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1756 | XXXXX | 7.032 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016916 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.7815 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXX |
| 409016946 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 13325 | XXXXX | 6.6488 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016984 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 7.1752 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016999 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 21640 | XXXXX | 7.4746 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409017010 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4780.25 | XXXXX | 6.6485 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017017 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.3957 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017041 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1920 | XXXXX | 6.5221 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017044 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 16295 | XXXXX | 7.1418 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409017233 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2471.3 | XXXXX | 6.0262 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017307 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1680 | XXXXX | 6.3878 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017323 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.4012 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017327 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1514.95 | XXXXX | 7.0172 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017329 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1575 | XXXXX | 6.7657 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017334 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 53795 | XXXXX | 7.0327 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409017342 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1680 | XXXXX | 7.3891 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017345 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1679 | XXXXX | 6.9041 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409017353 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1550 | XXXXX | 6.517 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017357 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4137.5 | XXXXX | 6.6688 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409017358 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1630 | XXXXX | 6.521 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017359 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9195 | XXXXX | 6.9749 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017360 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2204.38 | XXXXX | 7.4168 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017361 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1745 | XXXXX | 6.897 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017362 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1820 | XXXXX | 6.6635 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409017363 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 11270.36 | XXXXX | 7.0942 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409017364 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 6.8944 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017365 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3038.44 | XXXXX | 6.54 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017366 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 5523.13 | XXXXX | 6.1599 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017367 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 6.6391 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017368 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 11005 | XXXXX | 6.5286 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017369 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 7.2693 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017373 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 5345 | XXXXX | 6.6642 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409017374 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 6.4487 | Unemployed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409017375 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 6668.13 | XXXXX | 6.9583 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017377 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4895 | XXXXX | 6.8009 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017378 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4986.5 | XXXXX | 6.9351 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409017379 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2596.74 | XXXXX | 7.0228 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409017380 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 16645 | XXXXX | 7.0574 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409017381 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4395 | XXXXX | 6.9208 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017383 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 14635.22 | XXXXX | 6.9917 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409017384 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1780 | XXXXX | 6.5095 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409017385 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9252.19 | XXXXX | 6.342 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017386 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 15495 | XXXXX | 6.6982 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409017387 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 7.0263 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409017389 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 6.9054 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017390 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4335 | XXXXX | 7.1749 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409017391 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 6035.4 | XXXXX | 7.0337 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409017392 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10395 | XXXXX | 7.2474 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017394 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 7.402 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409017412 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 6723.76 | XXXXX | 7.4944 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017445 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1990 | XXXXX | 7.0302 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409017460 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1870 | XXXXX | 6.7757 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409017486 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2280 | XXXXX | 7.309 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409017729 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 6.6673 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409017811 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 5545 | XXXXX | 7.0422 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017827 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 5793.3 | XXXXX | 6.6595 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017831 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 7.0273 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017854 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2075.25 | XXXXX | 6.8958 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017904 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 11594.5 | XXXXX | 6.524 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409017928 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1780 | XXXXX | 6.7724 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409017941 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 130.25 | XXXXX | 6.8756 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017965 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1780 | XXXXX | 7.2786 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409017976 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1545 | XXXXX | 6.655 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409018257 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2145 | XXXXX | 6.6741 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409018258 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2225 | XXXXX | 6.9988 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409018278 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2369 | XXXXX | 6.801 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409018279 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1935 | XXXXX | 6.7307 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409018371 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1670 | XXXXX | 6.7859 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409018396 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3960.25 | XXXXX | 6.9223 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409018423 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1990 | XXXXX | 7.2992 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409018425 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 714 | XXXXX | 6.5848 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409018469 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1670.25 | XXXXX | 6.9114 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409018506 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 965.68 | XXXXX | 6.2641 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409018532 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1675 | XXXXX | 6.7341 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409018902 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1935 | XXXXX | 6.6403 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409018970 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2000 | XXXXX | 6.6382 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |  |  |  |  |  |  |

---

## Exhibit 99.4

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **SEMT 2025-9** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **5/1/2025 - 8/21/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **297** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **ATR QM Upload** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *297* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Written VOE Form** | **Borrower 2 Written VOE Form** | **Borrower 3 Written VOE Form** | **Borrower 4 Written VOE Form** | **Borrower 1 P&L Prepared By** | **Borrower 2 P&L Prepared By** | **Borrower 3 P&L Prepared By** | **Borrower 4 P&L Prepared By** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR Method Used** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 409011444 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6453 | Yes | Yes | 0.173 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.31 | 38.73 | 40.31 | 38.73 | 38.73 | 38.73 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 18 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409011460 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8888 | No | No | 0.058 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.79 | 45.64 | 45.79 | 45.64 | 45.64 | 45.64 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Lease Agreement - 12 months;<br> Paystub - 26 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409012380 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8960 | Yes | Yes | 0.157 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.67 | 32.67 | 32.67 | 32.67 | 32.67 | 32.67 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409012788 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | XXXXX | 7.3912 | No | No | 0.136 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.96 | 48.93 | 48.96 | 48.93 | 48.93 | 48.93 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013096 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.2543 | No | No | 1.273 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.88 | 46.88 | 46.88 | 46.88 | 46.88 | 46.88 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 3 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013154 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.8762 | Yes | Yes | 2.16 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.22 | 40.23 | 40.22 | 40.23 | 40.23 | 40.23 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | IRS Transcripts – Tax Return(s) - 36 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013312 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.2129 | No | No | 0.504 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.58 | 46.6 | 46.58 | 46.6 | 46.6 | 46.6 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 27 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 27 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013329 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.0759 | No | No | 0.48 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.92 | 49.92 | 49.92 | 49.92 | 49.92 | 49.92 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 27 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409013334 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.6548 | No | No | 1.135 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.82 | 46.82 | 46.82 | 46.82 | 46.82 | 46.82 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 28 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 16 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013340 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9832 | No | No | 2.418 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.89 | 48.8 | 48.89 | 48.8 | 48.8 | 48.8 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 12 months;<br> W2 - 24 months | Offer Letter - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 409013342 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.6614 | No | No | 2.152 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.94 | 49.86 | 49.94 | 49.86 | 49.86 | 49.86 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013515 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9305 | Yes | Yes | 1.175 | 1.175 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.57 | 31.84 | 37.57 | 31.84 | 31.84 | 31.84 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013538 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.0345 | No | No | 0.157 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.92 | 48.92 | 48.92 | 48.92 | 48.92 | 48.92 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 3 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013544 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9585 | No | No | 0.778 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.31 | 44.82 | 45.31 | 44.82 | 44.82 | 44.82 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 48 months;<br> Personal Tax Return - 48 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013650 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7586 | No | No | 0.633 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.45 | 44.45 | 44.45 | 44.45 | 44.45 | 44.45 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013775 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8395 | No | No | 0.152 | 0.152 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.82 | 47.83 | 47.82 | 47.83 | 47.83 | 47.83 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013787 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9400 | Yes | Yes | 0.683 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.44 | 35.4 | 36.44 | 35.4 | 35.4 | 35.4 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L Only - 16 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013864 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9052 | No | No | 0.235 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.99 | 49.99 | 49.99 | 49.99 | 49.99 | 49.99 | No | Yes | Yes | XXXXX | Yes | 360 | Yes | Yes | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013890 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5452 | Yes | Yes | 0.153 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.05 | 40.06 | 40.05 | 40.06 | 40.06 | 40.06 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 27 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013899 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.1359 | No | No | 0.073 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.7 | 43.36 | 43.7 | 43.36 | 43.36 | 43.36 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 4 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013904 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.5150 | Yes | Yes | 0.116 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.58 | 20.59 | 20.58 | 20.59 | 20.59 | 20.59 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 28 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013905 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.7439 | Yes | Yes | 1.047 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.21 | 27.21 | 27.21 | 27.21 | 27.21 | 27.21 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013928 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9368 | Yes | Yes | 0.101 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.32 | 14.99 | 17.32 | 14.99 | 14.99 | 14.99 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | CPA Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 17 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013957 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8975 | Yes | Yes | 1.105 | 1.105 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.6 | 37.57 | 37.6 | 37.57 | 37.57 | 37.57 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013966 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9132 | No | No | 0.174 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.58 | 45.58 | 45.48 | 45.58 | 45.58 | 45.58 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013998 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | XXXXX | 7.5169 | No | No | 1.324 | 1.324 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.47 | 46.49 | 46.47 | 46.49 | 46.49 | 46.49 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> CPA Letter with Income - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014014 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.2731 | No | No | 0.541 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.66 | 49.66 | 49.66 | 49.66 | 49.66 | 49.66 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 28 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014027 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.1486 | No | No | 0.167 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.23 | 44.27 | 44.23 | 44.27 | 44.27 | 44.27 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 28 months;<br> W2 - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014055 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.4168 | No | No | 0.104 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.58 | 49.58 | 49.58 | 49.58 | 49.58 | 49.58 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409014098 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.3799 | No | No | 0.017 | 0.017 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.37 | 44.77 | 43.37 | 44.77 | 44.77 | 44.77 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 1 months | (No Data) | (No Data) | (No Data) | Lender Form | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014121 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.8796 | Yes | Yes | 2.396 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.14 | 17.06 | 17.14 | 17.06 | 17.06 | 17.06 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014126 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.3011 | Yes | No | 0.176 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.15 | 42.69 | 43.15 | 42.69 | 42.69 | 42.69 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 36 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Lender Form | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014131 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9304 | Yes | Yes | 0.198 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.54 | 39.54 | 39.54 | 39.54 | 39.54 | 39.54 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014139 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8519 | No | No | 0.678 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.82 | 49.89 | 49.82 | 49.89 | 49.89 | 49.89 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409014171 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8943 | Yes | Yes | 0.143 | 0.143 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.25 | 23.14 | 23.25 | 23.14 | 23.14 | 23.14 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014178 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8940 | No | No | 0.179 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.81 | 49.81 | 49.81 | 49.81 | 49.81 | 49.81 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 29 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014187 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.1983 | No | No | 0.199 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.98 | 49.98 | 49.98 | 49.98 | 49.98 | 49.98 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014193 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.1466 | No | No | 0.133 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.72 | 45.54 | 45.72 | 45.54 | 45.54 | 45.54 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014196 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.2706 | Yes | No | 0.14 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.5 | 34.58 | 44.5 | 34.58 | 34.58 | 34.58 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014203 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.4582 | Yes | Yes | 0.106 | 0.000 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.51 | 34.51 | 34.51 | 34.51 | 34.51 | 34.51 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | W2 - 24 months;<br> Written VOE - 29 months | W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014215 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9384 | No | No | 0.22 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.99 | 49.99 | 49.99 | 49.99 | 49.99 | 49.99 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | FMNA 1005 | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014216 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.4514 | Yes | Yes | 0.612 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.19 | 35.58 | 35.19 | 35.58 | 35.58 | 35.58 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014217 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.2005 | Yes | Yes | 0.189 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.44 | 42.45 | 42.44 | 42.45 | 42.45 | 42.45 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 29 months | Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014224 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6653 | Yes | Yes | 0.105 | 0.105 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 11.28 | 9.17 | 11.28 | 9.17 | 9.17 | 9.17 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014277 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5860 | Yes | Yes | 0.226 | 0.226 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.38 | 38.33 | 38.38 | 38.33 | 38.33 | 38.33 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014280 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5948 | Yes | Yes | 0.15 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.92 | 39.92 | 39.92 | 39.92 | 39.92 | 39.92 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014286 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1804 | Yes | Yes | 0.325 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.11 | 17.24 | 24.11 | 17.24 | 17.24 | 17.24 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014669 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.6087 | Yes | Yes | 1.06 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.44 | 32.46 | 32.44 | 32.46 | 32.46 | 32.46 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014682 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.4289 | No | No | 0.216 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.33 | 48.33 | 48.33 | 48.33 | 48.33 | 48.33 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 25 months;<br> W2 - 24 months | Paystub - 27 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014687 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.2774 | Yes | Yes | 0.178 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.62 | 36.63 | 36.62 | 36.63 | 36.63 | 36.63 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 16 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014689 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8693 | Yes | Yes | 0.106 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.07 | 39.08 | 39.07 | 39.08 | 39.08 | 39.08 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014893 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8703 | No | No | 0.162 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.93 | 44.93 | 44.93 | 44.93 | 44.93 | 44.93 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014894 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8040 | Yes | Yes | 0.113 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 18.61 | 18.61 | 18.61 | 18.61 | 18.61 | 18.61 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 19 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409014912 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0143 | Yes | Yes | 0.11 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.05 | 39.15 | 42.05 | 39.15 | 39.15 | 39.15 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014932 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7424 | No | No | 0.202 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.03 | 43.04 | 43.03 | 43.04 | 43.04 | 43.04 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 12 months | Paystub - 1 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014937 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7833 | Yes | Yes | 0.09 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.48 | 36.48 | 36.48 | 36.48 | 36.48 | 36.48 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014941 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8963 | Yes | Yes | 0.184 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.01 | 42.06 | 42.01 | 42.06 | 42.06 | 42.06 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014961 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9089 | Yes | Yes | 0.173 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.77 | 30.77 | 30.77 | 30.77 | 30.77 | 30.77 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014990 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.3931 | Yes | Yes | 0.126 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.76 | 34.76 | 34.76 | 34.76 | 34.76 | 34.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014997 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0202 | Yes | Yes | 0.077 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.28 | 34.27 | 34.28 | 34.27 | 34.27 | 34.27 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 29 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015084 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5097 | Yes | Yes | 0.223 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.33 | 23.33 | 23.33 | 23.33 | 23.33 | 23.33 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015108 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.1792 | Yes | Yes | 0.211 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.9 | 42.41 | 41.9 | 42.41 | 42.41 | 42.41 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015118 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.0354 | No | No | 1.581 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.64 | 48.64 | 48.64 | 48.64 | 48.64 | 48.64 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 28 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015148 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7735 | Yes | Yes | 0.175 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.07 | 24.07 | 24.07 | 24.07 | 24.07 | 24.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015163 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.6743 | Yes | Yes | 1.248 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.8 | 31.4 | 26.8 | 31.4 | 31.4 | 31.4 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015176 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7705 | No | No | 0.158 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.23 | 44.29 | 44.23 | 44.29 | 44.29 | 44.29 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 15 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months | (No Data) | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015179 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0381 | Yes | Yes | 0.166 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.96 | 24.7 | 24.96 | 24.7 | 24.7 | 24.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 17 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015181 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.5134 | No | No | 0.087 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.63 | 44.63 | 44.63 | 44.63 | 44.63 | 44.63 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015189 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1469 | Yes | Yes | 0.277 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.74 | 40.06 | 41.74 | 40.06 | 40.06 | 40.06 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> P & L - 17 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015193 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0326 | Yes | Yes | 0.159 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.96 | 32.96 | 32.96 | 32.96 | 32.96 | 32.96 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015195 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0215 | Yes | Yes | 0.259 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.08 | 31 | 31.08 | 31 | 31 | 31 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 29 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 36 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015216 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.6511 | Yes | No | 0.178 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.15 | 40.51 | 46.15 | 40.51 | 40.51 | 40.51 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015224 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7743 | No | No | 0.131 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.47 | 43 | 43.47 | 43 | 43 | 43 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 29 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015432 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.0149 | No | No | 0.091 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.05 | 46.71 | 46.05 | 46.71 | 46.71 | 46.71 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015442 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6706 | Yes | Yes | 0.165 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.11 | 41.83 | 42.11 | 41.83 | 41.83 | 41.83 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 27 months;<br> W2 - 24 months;<br> Written VOE - 27 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015443 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9103 | Yes | Yes | 0.125 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.28 | 40.28 | 40.28 | 40.28 | 40.28 | 40.28 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015447 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.2649 | No | No | 2.651 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.82 | 49.82 | 49.82 | 49.82 | 49.82 | 49.82 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 26 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 2 months | (No Data) | (No Data) | FMNA 1005 | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015459 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.1514 | No | No | 0.1 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.32 | 43.32 | 43.32 | 43.32 | 43.32 | 43.32 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015465 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.0081 | No | No | 0.133 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.71 | 44.58 | 44.71 | 44.58 | 44.58 | 44.58 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015471 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8992 | Yes | Yes | 0.14 | 0.140 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.11 | 30.32 | 30.11 | 30.32 | 30.32 | 30.32 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months | Paystub - 2 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015474 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6501 | Yes | Yes | 0.167 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.32 | 24.97 | 25.32 | 24.97 | 24.97 | 24.97 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 5 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015480 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9030 | Yes | Yes | 1.904 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.89 | 19.89 | 19.89 | 19.89 | 19.89 | 19.89 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months | Offer Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015488 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9589 | Yes | Yes | 0.374 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.9 | 38.89 | 38.9 | 38.89 | 38.89 | 38.89 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 15 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015495 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.1494 | No | No | 0.156 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.82 | 47.14 | 49.82 | 47.14 | 47.14 | 47.14 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015500 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6427 | Yes | Yes | 0.129 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 16.51 | 16.54 | 16.51 | 16.54 | 16.54 | 16.54 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409015509 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.1522 | No | No | 0.159 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.96 | 49.73 | 49.96 | 49.73 | 49.73 | 49.73 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Work Visa | Work Visa | (No Data) | (No Data) |
| 409015511 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8902 | Yes | Yes | 0.121 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.33 | 36.15 | 36.33 | 36.15 | 36.15 | 36.15 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 29 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015514 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | XXXXX | 7.1385 | No | No | 0.157 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.68 | 43.73 | 43.68 | 43.73 | 43.73 | 43.73 | Yes | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 20 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015520 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.0490 | No | No | 0.454 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.89 | 43.97 | 43.89 | 43.97 | 43.97 | 43.97 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 29 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015529 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.2721 | Yes | Yes | 0.128 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.44 | 31.44 | 31.44 | 31.44 | 31.44 | 31.44 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> CPA Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 29 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | FMNA 1005 | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015536 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8937 | Yes | Yes | 0.127 | 0.127 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.72 | 32.3 | 31.72 | 32.3 | 32.3 | 32.3 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015537 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0473 | Yes | Yes | 0.145 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.08 | 42.11 | 41.08 | 42.11 | 42.11 | 42.11 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 5 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409015538 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9592 | No | No | 0.162 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.84 | 44.84 | 44.84 | 44.84 | 44.84 | 44.84 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Lease Agreement - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 29 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015550 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8170 | Yes | Yes | 0.19 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 7.84 | 7.84 | 7.84 | 7.84 | 7.84 | 7.84 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 16 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015565 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.5250 | Yes | Yes | 0.165 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.2 | 34.18 | 34.2 | 34.18 | 34.18 | 34.18 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015568 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1541 | Yes | Yes | 0.114 | 0.114 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.64 | 34.64 | 34.64 | 34.64 | 34.64 | 34.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 27 months;<br> Written VOE - 28 months | (No Data) | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015572 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9107 | No | No | 0.2 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.95 | 44.95 | 44.95 | 44.95 | 44.95 | 44.95 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015574 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0268 | Yes | Yes | 0.17 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.84 | 32.84 | 32.84 | 32.84 | 32.84 | 32.84 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015578 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7818 | Yes | Yes | 0.144 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.67 | 42.67 | 42.67 | 42.67 | 42.67 | 42.67 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015579 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9002 | No | No | 0.134 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.7 | 45.71 | 43.7 | 45.71 | 45.71 | 45.71 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015597 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0229 | Yes | Yes | 0.28 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.49 | 39.67 | 40.49 | 39.67 | 39.67 | 39.67 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 4 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015604 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.5220 | No | No | 0.2 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.73 | 46.65 | 46.73 | 46.65 | 46.65 | 46.65 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015608 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1583 | Yes | Yes | 0.188 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.55 | 39.32 | 38.55 | 39.32 | 39.32 | 39.32 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015615 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.0342 | No | No | 0.063 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.16 | 44.67 | 43.16 | 44.67 | 44.67 | 44.67 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Offer Letter - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015622 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.4336 | Yes | Yes | 0.133 | 0.133 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.58 | 35.58 | 35.58 | 35.58 | 35.58 | 35.58 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015624 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9621 | No | No | 1.158 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.89 | 48.89 | 48.89 | 48.89 | 48.89 | 48.89 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015625 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9950 | Yes | Yes | 2.392 | 2.392 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.53 | 32.34 | 32.53 | 32.34 | 32.34 | 32.34 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015643 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7858 | No | No | 0.168 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.65 | 46.6 | 46.65 | 46.6 | 46.6 | 46.6 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015646 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7974 | Yes | Yes | 0.155 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.69 | 30.81 | 31.69 | 30.81 | 30.81 | 30.81 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015648 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8046 | No | No | 0.187 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.61 | 47.93 | 45.61 | 47.93 | 47.93 | 47.93 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 28 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015664 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7026 | Yes | No | 0.12 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.44 | 41.23 | 43.44 | 41.23 | 41.23 | 41.23 | No | No | (No Data) | XXXXX | Yes | 360 | Yes | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015668 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5960 | Yes | Yes | 0.114 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.03 | 21.03 | 21.03 | 21.03 | 21.03 | 21.03 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 29 months | Paystub - 29 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015669 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7631 | Yes | Yes | 0.099 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.67 | 41.67 | 41.67 | 41.67 | 41.67 | 41.67 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 18 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015677 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8962 | No | No | 0.153 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.75 | 44.82 | 44.75 | 44.82 | 44.82 | 44.82 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015681 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | XXXXX | 6.3642 | No | No | 0.129 | 0.000 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46 | 45.73 | 46 | 45.73 | 45.73 | 45.73 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> W2 - 12 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015682 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6693 | Yes | Yes | 0.035 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.61 | 34.81 | 34.61 | 34.81 | 34.81 | 34.81 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409015683 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9007 | Yes | No | 0.097 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.55 | 37.42 | 44.55 | 37.42 | 37.42 | 37.42 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Award Letter - 12 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 3 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015684 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.3969 | Yes | Yes | 0.851 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.5 | 24.5 | 24.5 | 24.5 | 24.5 | 24.5 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015685 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9013 | Yes | Yes | 0.172 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.51 | 25.51 | 25.51 | 25.51 | 25.51 | 25.51 | No | No | (No Data) | XXXXX | Yes | 360 | No | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015687 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7888 | Yes | Yes | 0.128 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.21 | 26.61 | 28.21 | 26.61 | 26.61 | 26.61 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 6 months;<br> Personal Tax Return - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 6 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015690 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7756 | Yes | Yes | 0.108 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.24 | 27.49 | 27.24 | 27.49 | 27.49 | 27.49 | No | No | (No Data) | XXXXX | Yes | 0 | No | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015692 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7496 | Yes | Yes | 0.168 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.32 | 42.33 | 42.32 | 42.33 | 42.33 | 42.33 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015698 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | XXXXX | 7.0256 | No | No | 0.213 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46 | 45.75 | 46 | 45.75 | 45.75 | 45.75 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 29 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Offer Letter - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015699 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.5206 | No | No | 0.173 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.12 | 49.16 | 48.12 | 49.16 | 49.16 | 49.16 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 17 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 17 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015701 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.1176 | No | No | 1.242 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.38 | 46.91 | 47.38 | 46.91 | 46.91 | 46.91 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 5 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015705 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.2678 | Yes | Yes | 0.1 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.07 | 36.42 | 35.07 | 36.42 | 36.42 | 36.42 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> CPA Letter without Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 5 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 29 months | Business Tax Return - 12 months;<br> CPA Letter without Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 5 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015726 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0125 | Yes | Yes | 0.119 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.74 | 22.94 | 22.74 | 22.94 | 22.94 | 22.94 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 5 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 5 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015728 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8957 | Yes | Yes | 0.146 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.57 | 21.93 | 29.57 | 21.93 | 21.93 | 21.93 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015734 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9078 | Yes | Yes | 0.218 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.58 | 35.56 | 39.58 | 35.56 | 35.56 | 35.56 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015738 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6592 | Yes | Yes | 0.12 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23 | 21.07 | 23 | 21.07 | 21.07 | 21.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 6 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015739 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9311 | No | No | 0.148 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.89 | 48.89 | 48.89 | 48.89 | 48.89 | 48.89 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 21 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015740 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7858 | Yes | Yes | 0.311 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.86 | 42.22 | 42.86 | 42.22 | 42.22 | 42.22 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015757 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9043 | Yes | Yes | 0.155 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.86 | 32.86 | 32.86 | 32.86 | 32.86 | 32.86 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409015763 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8063 | Yes | Yes | 0.106 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 11.78 | 11.98 | 11.78 | 11.98 | 11.98 | 11.98 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 6 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015765 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8895 | Yes | Yes | 0.112 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.61 | 33.79 | 39.61 | 33.79 | 33.79 | 33.79 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 6 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015769 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6738 | Yes | Yes | 0.172 | 0.172 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.63 | 35.98 | 37.63 | 35.98 | 35.98 | 35.98 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 12 months | Paystub - 24 months;<br> W2 - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015771 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7462 | Yes | Yes | 1.109 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.53 | 40.54 | 40.53 | 40.54 | 40.54 | 40.54 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015773 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7869 | No | No | 0.276 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.27 | 49.27 | 49.27 | 49.27 | 49.27 | 49.27 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015797 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0135 | Yes | Yes | 0.093 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.16 | 30.84 | 23.16 | 30.84 | 30.84 | 30.84 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015798 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.2882 | Yes | Yes | 0.203 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.92 | 40.92 | 40.92 | 40.92 | 40.92 | 40.92 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 17 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015799 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.1587 | Yes | No | 0.173 | 0.173 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.77 | 42.18 | 43.77 | 42.18 | 42.18 | 42.18 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015846 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.2873 | No | No | 0.185 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.29 | 49.24 | 49.29 | 49.24 | 49.24 | 49.24 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015848 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.3252 | Yes | No | 0.183 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.76 | 40.92 | 45.76 | 40.92 | 40.92 | 40.92 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> P & L - 5 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Business Tax Return - 12 months;<br> P & L - 5 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015850 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8975 | Yes | Yes | 0.178 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.83 | 28.98 | 29.83 | 28.98 | 28.98 | 28.98 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015860 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7908 | No | No | 1.643 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.02 | 45.01 | 45.02 | 45.01 | 45.01 | 45.01 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015868 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9922 | No | No | 0.22 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45 | 44.55 | 45 | 44.55 | 44.55 | 44.55 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 24 months;<br> Award Letter - 12 months;<br> Paystub - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015870 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.4174 | Yes | Yes | 0.216 | 0.216 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.74 | 26.13 | 26.74 | 26.13 | 26.13 | 26.13 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015872 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5134 | Yes | Yes | 1.123 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.84 | 36.84 | 36.84 | 36.84 | 36.84 | 36.84 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015888 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9170 | Yes | Yes | 0.156 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.11 | 34.11 | 34.11 | 34.11 | 34.11 | 34.11 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015892 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | XXXXX | 6.9738 | No | No | 0.11 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45 | 44.94 | 45 | 44.94 | 44.94 | 44.94 | Yes | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Lease Agreement - 12 months;<br> Paystub - 28 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 29 months | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 17 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015902 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.3937 | Yes | Yes | 0.123 | 0.256 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.83 | 37.84 | 37.87 | 37.84 | 37.84 | 37.84 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 28 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015903 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.4404 | No | No | 0.172 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.98 | 44.71 | 44.98 | 44.71 | 44.71 | 44.71 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter with Income - 60 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 4 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015911 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0193 | Yes | Yes | 0.095 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.26 | 26.26 | 26.26 | 26.26 | 26.26 | 26.26 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 29 months;<br> Personal Tax Return - 36 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 29 months;<br> Personal Tax Return - 36 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015912 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.2872 | No | No | 0.12 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.77 | 46.77 | 46.77 | 46.77 | 46.77 | 46.77 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 20 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015916 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.1239 | No | No | 0.116 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.98 | 49.83 | 49.98 | 49.83 | 49.83 | 49.83 | No | Yes | Yes | XXXXX | Yes | 360 | Yes | Yes | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015928 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7759 | Yes | Yes | 0.181 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.75 | 28.66 | 27.75 | 28.66 | 28.66 | 28.66 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 5 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 5 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015932 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9059 | No | No | 0.093 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.07 | 45.25 | 45.07 | 45.25 | 45.25 | 45.25 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015936 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8440 | Yes | No | 0.128 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.65 | 41.03 | 47.65 | 41.03 | 41.03 | 41.03 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015939 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8632 | No | No | 0.115 | 0.115 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.77 | 44.36 | 44.77 | 44.36 | 44.36 | 44.36 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015944 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8303 | Yes | Yes | 0.189 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.35 | 42.35 | 42.35 | 42.35 | 42.35 | 42.35 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 17 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 11 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015946 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | XXXXX | 7.6911 | No | No | 0.229 | 0.000 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.55 | 49.55 | 49.55 | 49.55 | 49.55 | 49.55 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 15 months | Paystub - 15 months;<br> W2 - 24 months | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015969 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.8745 | No | No | 0.167 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.23 | 49.72 | 49.23 | 49.72 | 49.72 | 49.72 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 26 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015978 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.5231 | No | No | 0.176 | 0.176 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.26 | 46.03 | 46.26 | 46.03 | 46.03 | 46.03 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 24 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015986 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.7683 | No | No | 0.217 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.22 | 44.22 | 44.22 | 44.22 | 44.22 | 44.22 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 28 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015987 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.9226 | Yes | Yes | 0.193 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.44 | 33.65 | 42.44 | 33.65 | 33.65 | 33.65 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 12 months | Business Tax Return - 12 months;<br> CPA Letter - 60 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Lease Agreement - 240 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015999 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.5417 | No | No | 0.182 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.73 | 49.74 | 49.73 | 49.74 | 49.74 | 49.74 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 7 months | Written VOE - 15 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409016013 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9535 | Yes | Yes | 0.226 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.75 | 20.6 | 20.75 | 20.6 | 20.6 | 20.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 29 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 5 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016028 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.4947 | Yes | Yes | 0.129 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.04 | 33.04 | 33.04 | 33.04 | 33.04 | 33.04 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016041 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.1430 | No | No | 0.133 | Missing | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.78 | 43.79 | 43.78 | 43.79 | 43.79 | 43.79 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 12 months;<br> Paystub - 1 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016042 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.1511 | No | No | 0.112 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.66 | 48.34 | 49.66 | 48.34 | 48.34 | 48.34 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L Only - 5 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016058 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8780 | Yes | Yes | 0.023 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.44 | 33.01 | 34.44 | 33.01 | 33.01 | 33.01 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016070 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8909 | Yes | Yes | 0.112 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.76 | 33.76 | 33.76 | 33.76 | 33.76 | 33.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016085 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8083 | No | No | 0.288 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.69 | 44.4 | 45.69 | 44.4 | 44.4 | 44.4 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016258 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9132 | No | No | 0.22 | 0.220 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47 | 47 | 47 | 47 | 47 | 47 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 2 months;<br> Verbal VOE with Income - 5 months;<br> W2 - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016261 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7617 | Yes | Yes | 0.11 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.55 | 37.27 | 37.55 | 37.27 | 37.27 | 37.27 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L Only - 17 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016268 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9793 | Yes | Yes | 0.172 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 14.72 | 14.99 | 14.72 | 14.99 | 14.99 | 14.99 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016270 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0218 | Yes | Yes | 0.145 | 0.145 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 13.09 | 12.72 | 13.09 | 12.72 | 12.72 | 12.72 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016278 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | XXXXX | 6.9035 | Yes | No | 0.211 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45 | 42.57 | 45 | 42.57 | 42.57 | 42.57 | No | No | (No Data) | XXXXX | Yes | 240 | No | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 36 months;<br> Award Letter - 1 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016288 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0239 | Yes | Yes | 0.189 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.55 | 39.56 | 39.55 | 39.56 | 39.56 | 39.56 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016304 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5320 | Yes | Yes | 0.181 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27 | 27.03 | 27 | 27.03 | 27.03 | 27.03 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016306 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6438 | Yes | Yes | 0.134 | 0.134 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.66 | 37.7 | 37.66 | 37.7 | 37.7 | 37.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016307 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7386 | Yes | Yes | 0.187 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.23 | 39.23 | 39.23 | 39.23 | 39.23 | 39.23 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | CPA Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 17 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016329 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9016 | Yes | Yes | 0.202 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.22 | 24.16 | 37.22 | 24.16 | 24.16 | 24.16 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016330 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.4684 | No | No | 0.11 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.87 | 48.87 | 48.87 | 48.87 | 48.87 | 48.87 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Lender Form | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016331 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6194 | Yes | Yes | 0.33 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.18 | 25.27 | 42.18 | 25.27 | 25.27 | 25.27 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016334 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.2689 | Yes | Yes | 0.147 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.98 | 37.75 | 37.98 | 37.75 | 37.75 | 37.75 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016339 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8658 | Yes | Yes | 1.132 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.06 | 28.1 | 28.06 | 28.1 | 28.1 | 28.1 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 24 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 6 months;<br> Personal Tax Return - 24 months | 1099 - 24 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> P & L - 6 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016352 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.5506 | No | No | 0.141 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.93 | 48.93 | 48.93 | 48.93 | 48.93 | 48.93 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 409016368 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6808 | Yes | Yes | 0.162 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.59 | 33.59 | 33.26 | 33.59 | 33.59 | 33.59 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> Written VOE - 21 months | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016373 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.0463 | No | No | 0.123 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.8 | 49.89 | 49.8 | 49.89 | 49.89 | 49.89 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016388 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7337 | Yes | Yes | 0.135 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.11 | 33.97 | 34.11 | 33.97 | 33.97 | 33.97 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016407 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7668 | Yes | Yes | 0.171 | 0.171 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.59 | 28.11 | 28.59 | 28.11 | 28.11 | 28.11 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Award Letter - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016512 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5274 | Yes | Yes | 0.172 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.27 | 33.73 | 34.27 | 33.73 | 33.73 | 33.73 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 5 months;<br> Personal Tax Return - 12 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 5 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016518 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6820 | Yes | Yes | 0.193 | 0.231 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.89 | 42.89 | 42.89 | 42.89 | 42.89 | 42.89 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016544 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Permanent Resident Alien | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.5013 | No | No | 2.865 | 2.865 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.9 | 43.87 | 45.9 | 43.87 | 43.87 | 43.87 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409016559 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7191 | No | No | 0.02 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.78 | 46.79 | 46.78 | 46.79 | 46.79 | 46.79 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 29 months | W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016565 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7739 | Yes | Yes | 0.277 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.63 | 32.03 | 31.63 | 32.03 | 32.03 | 32.03 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016568 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.5133 | No | No | 0.133 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.21 | 45.62 | 46.21 | 45.62 | 45.62 | 45.62 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 15 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016569 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5822 | Yes | Yes | 0.169 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.26 | 28.52 | 29.26 | 28.52 | 28.52 | 28.52 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016572 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7707 | Yes | Yes | 0.196 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.97 | 27.61 | 28.97 | 27.61 | 27.61 | 27.61 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 6 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016576 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5190 | Yes | Yes | 0.115 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.3 | 30.31 | 30.3 | 30.31 | 30.31 | 30.31 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016584 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.6758 | No | No | 0.184 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.19 | 44.19 | 44.19 | 44.19 | 44.19 | 44.19 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016586 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5271 | Yes | Yes | 0.131 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.23 | 25.3 | 26.23 | 25.3 | 25.3 | 25.3 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016590 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.3223 | No | No | 1.631 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.91 | 44.91 | 44.91 | 44.91 | 44.91 | 44.91 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016624 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.5205 | No | No | 0.138 | 0.136 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 46.8 | 0 | 46.8 | 46.8 | 46.8 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016637 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.2996 | No | No | 0.179 | 0.179 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.74 | 48.74 | 48.71 | 48.74 | 48.74 | 48.74 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | P & L - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016641 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.5101 | Yes | Yes | 1.161 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.97 | 37.98 | 37.97 | 37.98 | 37.98 | 37.98 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016642 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.6046 | Yes | Yes | 2.256 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.23 | 41.21 | 41.23 | 41.21 | 41.21 | 41.21 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016655 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.1770 | Yes | Yes | 0.187 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30 | 29.32 | 30 | 29.32 | 29.32 | 29.32 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409016661 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7065 | Yes | Yes | 0.223 | 0.223 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.96 | 41.17 | 40.96 | 41.17 | 41.17 | 41.17 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | P & L - 4 months;<br> Personal Tax Return - 12 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016694 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9432 | No | Yes | 0.658 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.21 | 44.01 | 40.21 | 44.01 | 44.01 | 44.01 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016852 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.0138 | No | No | 0.133 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.4 | 49.42 | 48.4 | 49.42 | 49.42 | 49.42 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 36 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016855 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8941 | No | No | 0.134 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.8 | 43.55 | 44.8 | 43.55 | 43.55 | 43.55 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 6 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 6 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016860 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7757 | No | No | 0.084 | 0.084 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.77 | 48.88 | 49.77 | 48.88 | 48.88 | 48.88 | No | Yes | Yes | XXXXX | Yes | 360 | Yes | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016861 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.6435 | No | No | 0.133 | 0.133 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.6 | 43.79 | 44.6 | 43.79 | 43.79 | 43.79 | Yes | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months | Paystub - 2 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016867 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.4502 | Yes | Yes | 0.243 | 0.243 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.07 | 25.07 | 25.07 | 25.07 | 25.07 | 25.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016872 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.3869 | Yes | Yes | 0.078 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 18.16 | 18.17 | 18.16 | 18.17 | 18.17 | 18.17 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 30 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016875 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.0306 | No | No | 0.226 | 0.226 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.18 | 49.18 | 49.18 | 49.18 | 49.18 | 49.18 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 409016891 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9065 | No | No | 0.192 | 0.192 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.27 | 49.22 | 49.27 | 49.22 | 49.22 | 49.22 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – W2(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016896 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6499 | Yes | Yes | 0.115 | 0.115 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 12.09 | 12.13 | 12.09 | 12.13 | 12.13 | 12.13 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016897 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | Permanent Resident Alien | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9011 | Yes | Yes | 0.148 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 18.59 | 18.63 | 18.59 | 18.63 | 18.63 | 18.63 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 19 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409016915 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.0320 | No | No | 0.155 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.13 | 48.58 | 48.13 | 48.58 | 48.58 | 48.58 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 13 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016916 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7815 | Yes | Yes | 0.114 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.59 | 40.48 | 40.59 | 40.48 | 40.48 | 40.48 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409016946 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6488 | Yes | Yes | 1.384 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.9 | 33.93 | 33.9 | 33.93 | 33.93 | 33.93 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016984 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1752 | Yes | Yes | 0.149 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.95 | 36.02 | 35.95 | 36.02 | 36.02 | 36.02 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016999 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.4746 | Yes | Yes | 2.217 | 1.236 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.85 | 38.99 | 38.85 | 38.99 | 38.99 | 38.99 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017010 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6485 | Yes | Yes | 0.275 | 0.136 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.91 | 40.91 | 40.91 | 40.91 | 40.91 | 40.91 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017017 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.3957 | No | No | 0.133 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.56 | 46.5 | 46.56 | 46.5 | 46.5 | 46.5 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 29 months;<br> W2 - 24 months;<br> Written VOE - 29 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 29 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017041 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5221 | Yes | Yes | 0.202 | 0.202 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.56 | 24.53 | 26.56 | 24.53 | 24.53 | 24.53 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017044 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.1418 | No | No | 0.955 | 0.955 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.57 | 47.03 | 48.57 | 47.03 | 47.03 | 47.03 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017233 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.0262 | Yes | Yes | 0.286 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.3 | 26.28 | 26.3 | 26.28 | 26.28 | 26.28 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017307 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.3878 | Yes | Yes | 0.093 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.34 | 30.39 | 31.34 | 30.39 | 30.39 | 30.39 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 16 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 29 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017323 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.4012 | Yes | Yes | 0 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37 | 37.33 | 37 | 37.33 | 37.33 | 37.33 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – W2(s) - 36 months;<br> Paystub - 29 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017327 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0172 | Yes | Yes | 0.119 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.43 | 27.88 | 28.43 | 27.88 | 27.88 | 27.88 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017329 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7657 | Yes | Yes | 0.155 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.51 | 26.28 | 25.51 | 26.28 | 26.28 | 26.28 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017334 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0327 | Yes | Yes | 1.564 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.21 | 36.21 | 36.21 | 36.21 | 36.21 | 36.21 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> CPA Letter without Income - 108 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 6 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017342 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.3891 | Yes | Yes | 0.123 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35 | 34.8 | 35 | 34.8 | 34.8 | 34.8 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 6 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017345 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9041 | No | No | 0.198 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.9 | 45.55 | 46.9 | 45.55 | 45.55 | 45.55 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017353 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5170 | Yes | Yes | 0.122 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.31 | 42.32 | 42.31 | 42.32 | 42.32 | 42.32 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017357 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.6688 | Yes | No | 0.287 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 50.19 | 34.44 | 50.19 | 34.44 | 34.44 | 34.44 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 27 months;<br> W2 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017358 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5210 | Yes | Yes | 0.168 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.75 | 31.75 | 31.75 | 31.75 | 31.75 | 31.75 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Written VOE - 28 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017359 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9749 | No | No | 0.932 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.87 | 44.96 | 44.87 | 44.96 | 44.96 | 44.96 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Lease Agreement - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 27 months | Lease Agreement - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 27 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017360 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.4168 | No | No | 0.241 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.02 | 43.02 | 43.02 | 43.02 | 43.02 | 43.02 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017361 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8970 | Yes | Yes | 0.141 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.53 | 36.53 | 36.53 | 36.53 | 36.53 | 36.53 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017362 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6635 | Yes | Yes | 0.091 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 15.65 | 15.65 | 15.65 | 15.65 | 15.65 | 15.65 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 409017363 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0942 | Yes | Yes | 0.851 | 0.851 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.9 | 37.4 | 37.9 | 37.4 | 37.4 | 37.4 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017364 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8944 | Yes | Yes | 0.083 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.98 | 40.22 | 39.98 | 40.22 | 40.22 | 40.22 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Business Tax Return - 12 months;<br> Personal Tax Return - 12 months | Award Letter - 1 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017365 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5400 | Yes | Yes | 0.274 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.68 | 39.69 | 41.68 | 39.69 | 39.69 | 39.69 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 29 months;<br> W2 - 24 months | Paystub - 29 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017366 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.1599 | Yes | Yes | 0.307 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.14 | 33.06 | 30.14 | 33.06 | 33.06 | 33.06 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017367 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6391 | Yes | Yes | 0.074 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.3 | 31.3 | 31.3 | 31.3 | 31.3 | 31.3 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017368 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5286 | Yes | Yes | 1.245 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.85 | 30.85 | 30.85 | 30.85 | 30.85 | 30.85 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 27 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017369 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.2693 | Yes | Yes | 0.092 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.45 | 25.2 | 26.45 | 25.2 | 25.2 | 25.2 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 29 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017373 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.6642 | No | No | 0.374 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.68 | 44.68 | 44.68 | 44.68 | 44.68 | 44.68 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017374 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | Permanent Resident Alien | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.4487 | Yes | Yes | 0.181 | Missing | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.85 | 21.2 | 21.85 | 21.2 | 21.2 | 21.2 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409017375 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9583 | No | No | 0.699 | Missing | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.89 | 44.62 | 44.89 | 44.62 | 44.62 | 44.62 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | W2 - 24 months;<br> W2 - 24 months;<br> Written VOE - 28 months | Personal Tax Return - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017377 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8009 | Yes | Yes | 0.379 | 0.379 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.38 | 41.38 | 41.38 | 41.38 | 41.38 | 41.38 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017378 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9351 | Yes | No | 0.56 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.97 | 42.98 | 44.97 | 42.98 | 42.98 | 42.98 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017379 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0228 | Yes | Yes | 0.31 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.34 | 34.26 | 34.34 | 34.26 | 34.26 | 34.26 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017380 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0574 | Yes | Yes | 1.697 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.22 | 28.51 | 28.22 | 28.51 | 28.51 | 28.51 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017381 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9208 | Yes | Yes | 0.396 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.86 | 28.88 | 29.86 | 28.88 | 28.88 | 28.88 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017383 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9917 | No | Yes | 1.133 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.83 | 43.19 | 42.83 | 43.19 | 43.19 | 43.19 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017384 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5095 | Yes | Yes | 0.099 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.44 | 40.94 | 40.44 | 40.94 | 40.94 | 40.94 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017385 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.3420 | Yes | Yes | 0.767 | Missing | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.36 | 30.36 | 30.36 | 30.36 | 30.36 | 30.36 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017386 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6982 | Yes | Yes | 0.711 | Missing | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 11.24 | 10.54 | 11.24 | 10.54 | 10.54 | 10.54 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017387 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.0263 | No | No | 0.124 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.63 | 43.63 | 43.63 | 43.63 | 43.63 | 43.63 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 29 months;<br> W2 - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017389 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9054 | Yes | Yes | 0.158 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.92 | 40.92 | 40.92 | 40.92 | 40.92 | 40.92 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017390 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1749 | Yes | Yes | 0.421 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.89 | 40.15 | 40.89 | 40.15 | 40.15 | 40.15 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 28 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017391 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0337 | Yes | Yes | 0.271 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.15 | 40.46 | 42.15 | 40.46 | 40.46 | 40.46 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 5 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409017392 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.2474 | Yes | Yes | 1.198 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.4 | 24.32 | 24.4 | 24.32 | 24.32 | 24.32 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Offer Letter - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017394 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.4020 | No | No | 0.172 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.96 | 45.75 | 44.96 | 45.75 | 45.75 | 45.75 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017412 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | XXXXX | 7.4944 | No | No | 0.795 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49 | 49.1 | 49 | 49.1 | 49.1 | 49.1 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 7 months;<br> Personal Tax Return - 12 months | Award Letter - 1 months | Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017445 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0302 | Yes | Yes | 0.218 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.81 | 31.81 | 31.81 | 31.81 | 31.81 | 31.81 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017460 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7757 | Yes | Yes | 0.195 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.99 | 33.99 | 33.99 | 33.99 | 33.99 | 33.99 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017486 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | XXXXX | 7.3090 | No | No | 0.262 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.16 | 49.32 | 49.16 | 49.32 | 49.32 | 49.32 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 23 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017729 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6673 | Yes | Yes | 0.182 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.78 | 25.78 | 25.78 | 25.78 | 25.78 | 25.78 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 409017811 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0422 | Yes | Yes | 0.384 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 16.8 | 17.63 | 16.8 | 17.63 | 17.63 | 17.63 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017827 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6595 | Yes | Yes | 0.304 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.37 | 28.34 | 28.37 | 28.34 | 28.34 | 28.34 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 29 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017831 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0273 | Yes | Yes | 0.185 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.37 | 40.37 | 40.37 | 40.37 | 40.37 | 40.37 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017854 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8958 | No | No | 0.183 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.21 | 45.21 | 45.21 | 45.21 | 45.21 | 45.21 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months | 1099 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017904 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5240 | Yes | Yes | 1.304 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.31 | 32.44 | 32.31 | 32.44 | 32.44 | 32.44 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017928 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7724 | No | No | 0.183 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.15 | 45.93 | 46.15 | 45.93 | 45.93 | 45.93 | Yes | Yes | Yes | XXXXX | Yes | 360 | Yes | Yes | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017941 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8756 | Yes | Yes | 0.008 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.15 | 40.06 | 42.15 | 40.06 | 40.06 | 40.06 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017965 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.2786 | Yes | Yes | 0.156 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.03 | 32.87 | 33.03 | 32.87 | 32.87 | 32.87 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017976 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6550 | Yes | Yes | 0.104 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.95 | 35.82 | 35.95 | 35.82 | 35.82 | 35.82 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> P & L - 18 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409018257 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6741 | Yes | Yes | 0.176 | 0.176 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.4 | 30.69 | 32 | 30.69 | 30.69 | 30.69 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 24 months | Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409018258 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9988 | No | No | 0.23 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.06 | 45.06 | 45.06 | 45.06 | 45.06 | 45.06 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409018278 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8010 | No | No | 0.228 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.5 | 43.5 | 43.5 | 43.5 | 43.5 | 43.5 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409018279 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7307 | No | No | 0.159 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.43 | 43.56 | 44.43 | 43.56 | 43.56 | 43.56 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | Award Letter - 1 months | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409018371 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7859 | No | No | 0.156 | 0.156 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.08 | 44.47 | 44.08 | 44.47 | 44.47 | 44.47 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409018396 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9223 | No | No | 0.4 | 0.400 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.76 | 49.76 | 49.76 | 49.76 | 49.76 | 49.76 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409018423 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.2992 | Yes | Yes | 0.195 | 0.195 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.3 | 29.4 | 29.3 | 29.4 | 29.4 | 29.4 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409018425 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5848 | Yes | Yes | 0.087 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.89 | 38.9 | 38.89 | 38.9 | 38.9 | 38.9 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 29 months | Written VOE - 17 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409018469 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9114 | No | No | 0.101 | 0.101 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.93 | 45.01 | 49.93 | 45.01 | 45.01 | 45.01 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409018506 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.2641 | Yes | Yes | 0.09 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.34 | 40.48 | 40.34 | 40.48 | 40.48 | 40.48 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409018532 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7341 | No | No | 0.183 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.24 | 49.49 | 49.24 | 49.49 | 49.49 | 49.49 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Written VOE - 30 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409018902 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.6403 | No | No | 0.103 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.93 | 44.71 | 44.93 | 44.71 | 44.71 | 44.71 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409018970 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6382 | Yes | Yes | 0.114 | 0.114 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.5 | 34.77 | 35.5 | 34.77 | 34.77 | 34.77 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 31 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

---

## Exhibit 99.5

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **SEMT 2025-9** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **5/1/2025 - 8/21/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **297** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *297* |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU / LCA Score** |
| 409011444 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011460 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012380 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012788 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013096 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013154 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013312 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013329 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013334 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013340 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013342 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013515 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013538 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013544 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013650 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013775 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | Desk Review |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013787 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013864 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 2090 Cooperative (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013890 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013899 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013904 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013905 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013928 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013957 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013966 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013998 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409014014 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014027 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014055 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014098 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409014121 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014126 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014131 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014139 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014171 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409014178 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014187 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014193 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014196 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014203 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014215 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014216 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014217 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014224 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014277 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409014280 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014286 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409014669 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014682 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014687 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014689 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014893 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014894 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409014912 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014932 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409014937 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409014941 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014961 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014990 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014997 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015084 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015108 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015118 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015148 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015163 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015176 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015179 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015181 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015189 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015193 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015195 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015216 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015224 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015432 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015442 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015443 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015447 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015459 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015465 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015471 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015474 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015480 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015488 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015495 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015500 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015509 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015511 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015514 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015520 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015529 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015536 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015537 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015538 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015550 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015565 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015568 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015572 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015574 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015578 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015579 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015597 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015604 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015608 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015615 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015622 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015624 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015625 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015643 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015646 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015648 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015664 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015668 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015669 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015677 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015681 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015682 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015683 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015684 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015685 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015687 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015690 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015692 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015698 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015699 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015701 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015705 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015726 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015728 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015734 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015738 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015739 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015740 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015757 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015763 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015765 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015769 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015771 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015773 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015797 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015798 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015799 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015846 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015848 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015850 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015860 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015868 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015870 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015872 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015888 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015892 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015902 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015903 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015911 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015912 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015916 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015928 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015932 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015936 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015939 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015944 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015946 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015969 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015978 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015986 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015987 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015999 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016013 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016028 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016041 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409016042 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016058 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016070 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016085 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409016258 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016261 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409016268 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016270 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016278 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016288 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016304 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016306 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016307 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016329 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016330 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016331 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016334 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016339 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016352 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016368 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016373 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016388 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016407 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409016512 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016518 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016544 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016559 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409016565 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016568 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016569 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016572 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016576 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016584 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409016586 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016590 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016624 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016637 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016641 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016642 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016655 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016661 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016694 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016852 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016855 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016860 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016861 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016867 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016872 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016875 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016891 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016896 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016897 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016915 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016916 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016946 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409016984 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409016999 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017010 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017017 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017041 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017044 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017233 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017307 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017323 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017327 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017329 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017334 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017342 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017345 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017353 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017357 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017358 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017359 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017360 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017361 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017362 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017363 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017364 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017365 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017366 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017367 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017368 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017369 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017373 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017374 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017375 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017377 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017378 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017379 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017380 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017381 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017383 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017384 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017385 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017386 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017387 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017389 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017390 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017391 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017392 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017394 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017412 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017445 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017460 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017486 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017729 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017811 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017827 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017831 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017854 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017904 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017928 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017941 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017965 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017976 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409018257 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409018258 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409018278 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409018279 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409018371 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409018396 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409018423 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409018425 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409018469 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409018506 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409018532 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409018902 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409018970 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |

---

## Exhibit 99.6

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |
| **Client Project Name:** | **Client Project Name:** | **SEMT 2025-9** | **SEMT 2025-9** |  |
| **Start - End Dates:** |  | **5/1/2025 - 8/21/2025** | **5/1/2025 - 8/21/2025** |  |
| **Deal Loan Count:** |  | **297** |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |
| ***Loans in Report:*** |  | *297* |  |  |
| ***Loans with Conditions:*** | ***Loans with Conditions:*** | *218* |  |  |
| **1 - Total Active Conditions** | **1 - Total Active Conditions** | **1 - Total Active Conditions** |  |  |
|  | **1 - Non-Material Conditions** | **1 - Non-Material Conditions** | **1 - Non-Material Conditions** |  |
|  |  |  | 1 - Compliance Review Scope | 1 - Compliance Review Scope |
|  |  |  |  | 1 - Category: TILA/RESPA Integrated Disclosure |
| **441 - Total Satisfied Conditions** | **441 - Total Satisfied Conditions** |  |  |  |
|  |  |  | 154 - Credit Review Scope | 154 - Credit Review Scope |
|  |  |  |  | 2 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  |  | 3 - Category: Application |
|  |  |  |  | 24 - Category: Assets |
|  |  |  |  | 9 - Category: Credit/Mtg History |
|  |  |  |  | 25 - Category: DTI |
|  |  |  |  | 54 - Category: Income/Employment |
|  |  |  |  | 7 - Category: Insurance |
|  |  |  |  | 12 - Category: Legal Documents |
|  |  |  |  | 1 - Category: Re-Verifications |
|  |  |  |  | 13 - Category: Terms/Guidelines |
|  |  |  |  | 4 - Category: Title |
|  |  |  | 23 - Property Valuations Review Scope | 23 - Property Valuations Review Scope |
|  |  |  |  | 16 - Category: Appraisal |
|  |  |  |  | 5 - Category: FEMA |
|  |  |  |  | 1 - Category: Property |
|  |  |  |  | 1 - Category: Value |
|  |  |  | 264 - Compliance Review Scope | 264 - Compliance Review Scope |
|  |  |  |  | 23 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  |  | 1 - Category: Borrower's Interest |
|  |  |  |  | 13 - Category: Compliance Manual |
|  |  |  |  | 1 - Category: Documentation |
|  |  |  |  | 1 - Category: Federal Consumer Protection |
|  |  |  |  | 6 - Category: Finance Charge Tolerance |
|  |  |  |  | 3 - Category: RESPA |
|  |  |  |  | 7 - Category: Right of Rescission |
|  |  |  |  | 2 - Category: State Consumer Protection |
|  |  |  |  | 1 - Category: Texas Home Equity |
|  |  |  |  | 206 - Category: TILA/RESPA Integrated Disclosure |
| **44 - Total Waived Conditions** | **44 - Total Waived Conditions** |  |  |  |
|  |  |  | 39 - Credit Review Scope | 39 - Credit Review Scope |
|  |  |  |  | 6 - Category: Assets |
|  |  |  |  | 3 - Category: Credit/Mtg History |
|  |  |  |  | 4 - Category: DTI |
|  |  |  |  | 10 - Category: Income/Employment |
|  |  |  |  | 8 - Category: Insurance |
|  |  |  |  | 5 - Category: LTV/CLTV |
|  |  |  |  | 3 - Category: Terms/Guidelines |
|  |  |  | 5 - Compliance Review Scope | 5 - Compliance Review Scope |
|  |  |  |  | 1 - Category: RESPA |
|  |  |  |  | 3 - Category: Right of Rescission |
|  |  |  |  | 1 - Category: TILA/RESPA Integrated Disclosure |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

------

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **SEMT 2025-9** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **5/1/2025 - 8/21/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **297** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *297* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *218* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Final Securitization Condition Grade** | **Initial S&P Condition Grade** | **Final S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 409011444 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxxx% LTV is below guideline maximum of xx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>|
| 409011460 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing income / credit docs | 5.19.2025 Client provided xxx list prices from xxx (with Note date xxx), condition remains for (1). missing xxx price and the xxx week average xxx price (most recent xxx months history at the time of application (application date xxx), in addition (2). missing lender worksheet that reflect the xxxcontinuance calculation to know what xxx prior or xxxweek price they used to support continuance of this xxx income. Note, xxxprice and xxxweek average for the most recent xxx(xxx) months reporting at the time of application with application date xxx 5.22.2025 Client provided xxx price from xxx; still missing, previously requested Lender xxx continuance income calculation used by Lender, condition remains for Lender calculation of xxx income calculation using vesting schedule and xxx price), this is not found on the income worksheet. 5.28.2025 Client provided duplicate documents and provided xxx current calculation of $xxx that is being used however prior update requested for lender continuation xxx calculation calculated by Lender using the vesting schedule and xxx price. Condition remains for Lender xxx continuation CALCULATION (previously requested) using vesting schedule and xxx price to support the continuance xxx. Upon further review appears the revised xxx provided do reflect the calculation for continuance using $xxx xxx grant supporting xxx continuance income | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx xxx Months at job<br>|
| 409011460 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the xxx xxx, we are satisfying to xxx. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx xxx Months at job<br>|
| 409011460 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing a confirmation of borrower's receipt for the initial CD sent xxx. | 05/05/25 Client provided the Initial CD xxx xxx (Tracking) that confirms Borrower viewed the Initial CD on xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx xxx Months at job<br>|
| 409011460 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender to provide an ATR/QM status determination. | 5/9 Client provided QM determination | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx xxx Months at job<br>|
| 409011460 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Reserves sourced:Months PITI Reserves (Qual Rate)12.31Cash Reserves$xxxxRequired:Subject: xxxmonths PITIA = xxxx months PITIA for each of xxx REOs = xxxxTotal reserves required = xxxx, not met Provide additional asset statements, meeting guidelines, supporting Borrower had required reserves . May be subject to additional conditions upon review. | 5/8 Client provided an xxx that per their xxx only xxx months are required for reserves: Condition remains5/xxxClient provided an Email that xxx less than xxx properties and only xxx months PITI are required per REO; Upon review the Borrower xxx only xxx financed properties and xxx months per REO is required for reserves | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx xxx Months at job<br>|
| 409011460 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | xxx account xxx was used for assets.Please provide the following, may be subject to additional conditions upon review.1. Sufficient documentation supporting Borrower is xxx% xxx of 'xxx' , xxx name on statements2. Full xxx months statements. In file xxx3. Cash flow analysis required using most recent xxx) months xxx bank statements to determine no negative impact to xxx | 5/8 Client provided xxx months bank statements and xxx showing no negative impact to the xxx for used of xxx fundsMissing Evidence of xxx% xxx5/16 Client provided duplicate LOE; still need evidence xxx% xxx5.16.2025 Client provided LOX regarding missing evidence of xxx% xxx, upon further review borrower name is listed as owner of this account along with xxx and Lender provided xxx regarding the same of showing as xxx, regarding xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx xxx Months at job<br>|
| 409011460 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | xxx xxx/ Drive report reflects undisclosed xxx: xxxxxx. Provide sufficient documentation supporting exclusion from xxx and from DTI.May be subject to additional conditions upon review. | 5/8 Client provided evidence the property is xxxby borrowers xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx xxx Months at job<br>|
| 409011460 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide the following:1. xxx REO: missing sufficient documentation to support xxx xxx on xxxSubject to DTI, reserves and rental income recalcs. May be subject to additional conditions upon review. | 5/8 Client provided an LOX there is no xxx on xxx rd xxx; Provide a corrected xxx removing xxx fees 5/xxxClient provided a corrected xxxremoving the xxx dues | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx xxx Months at job<br>|
| 409011460 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | xxx income used to qualify loan.Please provide the following. Subject to full xxx recalc and may be subject to additional conditions upon review.1. A xxx) year average of prior income received from xxx or xxx options should be used to calculate the income, with the continuance based on the vesting schedule using a xxx price based on the lower of the current xxx price (missing) or the xxx-week average for the most recent xxx) months reporting at the time of application (missing). The income used for qualifying must be supported by future vesting based on the xxx price used for qualifying and vesting schedule. | 5/8 Client provided an Email that the stocks are not xxx and are un restricted; Upon review the xxx awards are xxx and condition remains 5/xxxClient provided an undated avg xxx price and a xxx dated Current xxx price; Condition remains for xxx. A xxx) year average of prior income received from xxx or xxx options should be used to calculate the income, with the continuance based on the vesting schedule using a xxx price based on the lower of the current stock price (missing) or the xxx-week average for the most recent xxx months reporting at the time of application (missing). The income used for qualifying must be supported by future vesting based on the xxx price used for qualifying and vesting schedule.5/13 Client provided an Email with income calculations supporting xxx income calculation and continuance calculation, However, on review the xxx Current price and xxx week avg are both xxx dated ; Provide the current xxx price from prior to close and the xxx weeks avg xxx price dated prior xxx close 5.19.2025 Client provided xxx xxx list prices from xxx xxx (with Note date xxx), condition remains for (1). missing xxx price and the xxx week average xxx price (most recent xxx months history at the time of application (application date xxx), in addition (2). missing lender worksheet that reflect the xxx continuance calculation to know what xxx prior or xxx week price they used to support continuance of this xxx income. Note, xxx price and xxx week average for the most recent xxx (xxx) months reporting at the time of application using the lower of the xxx, application date xxx5.22.2025 Client provided xxx price from xxx; still missing, previously requested Lender xxx continuance income calculation used by Lender, condition remains for Lender calculation of xxx income calculation using vesting schedule and xxx price), this is not found on the income worksheet. 5.28.2025 Client provided duplicate documents and provided xxx current calculation of $xxx that is being used however prior update requested for lender continuation xxx calculation calculated by Lender using the vesting schedule and xxx price. Condition remains for Lender xxx continuation CALCULATION (previously requested) using vesting schedule and xxx price to support the continuance xxx. Upon further review appears the revised xxx provided do reflect the calculation for continuance using $xxx xxx grant supporting xxx continuance income | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx xxx Months at job<br>|
| 409011460 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Dwelling coverage with additional 25% = xxxx, +xxxx other structures = xxxx.Loan amount is xxxx.Provide updated policy with sufficient coverage.May be subject to additional conditions upon review. | 5/9 Client provided the insurance xxx with sufficient coverage | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx xxx Months at job<br>|
| 409011460 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2550 | Missing HUD-1 from sale of property | No | CD for sale of xxx is not executed, please provide.May be subject to additional conditions upon review. | 5/8 Client provided the executed CD from sale of xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx xxx Months at job<br>|
| 409012380 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per xxx disclosure tracking in file, a revised CD xxx was issued and and emailed to borrower but is missing in file. | 05/28/25 Client provided the xxx CD's. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum allowable LTV of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxxis xxxpoints above the minimum required score of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409012380 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | Mortgage shows notary date of xxx. A corrected recorded mortgage with correct notary date is required. | 7.28.2025 Client provided Lender xxx with intends to re-record the Mortgage (xxx) along with the attached xxx Affidavit to correct the notary date of xxx to xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx below the maximum allowable LTV of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409012788 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2908 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Residual income analysis does not meet client guidelines | No | Calculated Residual Income is $xxxx. $xxx is required for a family of xxx per xxx | (No Data) | Satisfied; with xxx included residual is met | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV<br>|
| 409012788 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the xxx review and render an accurate xxx status.B1 receives tips. Lender used $xxx/month. However borrower has only been at employer for xxx year xxx months therefore would need xxx years of xxx. Calculated DTI is xxxx%. Additional qualifying income is required. | 6/xxxclient changed the program to xxx allowing xxx | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV<br>|
| 409012788 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Loan changed to xxx; xxxmonths reserves required and $xxxx or 9.xxxmonths verified | 6/25 Client provided an Email, upon review additional asset statements meeting reserves located in file | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV<br>|
| 409012788 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing xxx years xxx's or xxx years xxx Transcripts for xxx. | 6/xxxClient changed the program to xxx and transcripts not required; However, Borrower xxx has xxx month history of xxx; Per xxx requirements provide a "written analysis of why the xxx is stable and likely to continue" additional conditions may apply 6/25 client provided an analysis of Borrowers ability to xxx including the Borrowers advanced xxx as a xxx xxx | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV<br>|
| 409013096 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS2860: Good credit history<br> - xxx Comments: xxx full xxx<br>|
| 409013154 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | A | A | D | B | D | B | C | B | A | A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2908 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Residual income analysis does not meet client guidelines | No | Insufficient residual income available to meet the guideline requirement. DTI exceeds xxxx% which requires minimum residual income of $xxx. Borrowers have xxx residual income available due to co-borrower xxx distribution income ineligible to be used for qualification. Client guidelines do not allow distributions to be set up or changed solely for loan qualification purposes. | 6.17.2025 Client provided exception approval to allow for $xxx xxx distribution; separate condition income not supported have been added and waived to consider the $xxx for xxx for an updated DTI of xxxx% | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned their primary residence for xxx years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxx in reserves required.<br>|
| 409013154 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | A | A | D | B | D | B | C | B | A | A | D | B | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC191 | Missing Mortgage | No | File is missing a copy of the fully executed and notarized mortgage with all riders and/or attachments. | 06/18/25 Client provided the fully executed Mortgage and Riders. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned their primary residence for xxx years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxxis xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxx in reserves required.<br>|
| 409013154 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | A | A | D | B | D | B | C | B | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero tolerance in the amount of $xxx as appraisal fee increased without a valid COC in file to support it. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/18/25 Client provided a duplicate copy of the xxx COC and xxx LE. Condition remains. The COC does not reflect a valid change Detail for the increased Appraisal Fee. Provide supporting documentation, from the time of the change, showing what change occurred that resulted in the increased fee, OR provide borrower with a $xxx xxx, PCCD with cure, LOE and proof of delivery with Tracking.07/10/2025 Client provided an email reflecting the change to the Appraisal fee was due to xxx appraiser initially chosen and increase is for the change of xxx. Condition remains. This is not a valid reason for the Borrower to be charged an increase in the Appraisal fee. Provide a PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking.07/17/25 Client provided a xxx PCCD with $xxx principal reduction, LOE to borrower, payment history showing the $xxx xxx and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned their primary residence for xxx years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxxis xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxx in reserves required.<br>|
| 409013154 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | A | A | D | B | D | B | C | B | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | CD xxx: Neither You declined it and/or Your lender does not offer one are selected in the Will Not Have an Escrow Account on the CD Other Disclosures section. Condition is pending LOX with corrected PCD to borrower. | 06/18/25 Client provided a corrected xxx PCCD. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned their primary residence for xxx years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxxis xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxx in reserves required.<br>|
| 409013154 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | A | A | D | B | D | B | C | B | A | A | D | B | Credit | DTI | Satisfied | C | A | C | A | CRDDTI134 | Debt Ratio Exception =>xxx | No | Recalculated income resulted in DTI of xxxx% which exceeds the maximum allowable DTI of xxxx%. Lender used xxx distribution income for the co-borrower of $xxx/month to qualify. However, a letter from the xxx indicates this income was set up to begin on xxx and xxx account statements show no previous xxx distributions. Client xxx do not allow distributions to be set up or changed solely for loan qualification purposes. As a result, this income was xxx form the recalculations. | 6.17.2025 Client provided exception approval to allow for $xxx distribution; separate condition income not supported have been added and waived to consider the $xxx for xxx for an updated DTI of xxxx% | Condition is satisfied, adding waiver on income not supported condition | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned their primary residence for xxxyears.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxxis xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxx in reserves required.<br>|
| 409013154 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | A | A | D | B | D | B | C | B | A | A | D | B | Credit | Income/Employment | Waived | C | B | C | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Recalculated income resulted in DTI of xxxx% which exceeds the maximum allowable DTI of xxxx%. Lender used xxx distribution income for the co-borrower of $xxx/month to qualify. However, a letter from the xxx indicates this income was set up to begin on xxx and xxx account statements show no previous xxx distributions. Client xxx do not allow distributions to be set up or changed solely for loan qualification purposes. As a result, this income was xxx form the recalculations. | 6.17.2025 Client provided exception approval to allow for xxx monthly xxx distribution income of $xxx (newly set up with xxx from xxx verifying monthly payment to start on xxx) Note date xxx | Upon review by xxx, exception is deemed non-material. Exception approved, B Grade with compensating factors, fico score xxxand over xxxyears at current residence. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned their primary residence for xxx years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxxpoints above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxx in reserves required.<br>|
| 409013312 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Right of Rescission | Satisfied | C | A | C | A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Final CD xxx Disbursement date is xxx which is the same date as end of statutory rescission period on xxx. Per xxx in file, Disbursement date is xxx. Condition is pending receiving corrected Disbursement date on PCD with LOE to borrowers. | 06/18/25 Client provided the xxx LOE and PCCD with Final xxx reflecting Disbursement on xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: $xxx effective/reserves; $xxx = $xxx reserves required.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at the same residence for xxx years.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409013312 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero tolerance in amount of $xxx due to increased Discount Point fee on final CD xxx $xxx from a revised CD xxx $xxx with no COC or Rate Lock extension in file to support it. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/16/25 Client provided the missing xxx COC for the lock extension.06/18/25 Client provided a Final xxx and xxx LOE with PCCD reflecting revised loan costs, including an increased Points of $xxx. There are xxx CD's in file Issued on xxx (one signed at Closing showing Points of $xxx and another xxx xxx showing Points of $xxx). Unable to locate any COC or Lock Agreements for the increased Points to $xxx. Provide the missing COC documentation for review.06/26/2025 Client provided a copy of the CD xxx in file. Condition remains as stated above. Provide the missing COC documentation for review.06/26/2025 Client provided COC xxx reflecting Lock extended due to expiring prior to consummation with discount points of $xxx. Condition remains. Unable to locate any COC or Lock Agreements for the increased Points to $xxx. on CD xxx Provide the missing COC documentation for review.07/03/25 Client provided the xxx Rate Lock and the following xxx Comments: Please see attached xxx lock agreement, discount fees decreased from the xxx fee amount. Condition remains. Provide an explanation for why the Points went from $xxx (xxx%) on the Final xxx Consummation CD (xxx) to $xxx (xxx%) on the PCCD (xxx).07/07/25 Client provided the missing COC for the Lock Extension. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: $xxx effective/reserves; $xxx = $xxx reserves required.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at the same residence for xxx years.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409013329 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing xxx Extension | 6.16.2025 Client provided copy of Form xxx verifying Form xxx, application for xxx return was accepted on xxx however condition remains, missing a copy of the Form xxx to support if any balance xxx at time of filing of extension. Condition remains for copy of Extension, Form xxx6.26.2025 Client provided copy of Form xxx x xx extension with balance due of $xxx and sufficient liquid assets verified to support this amount in xxx of asking for evidence of balance due having been paid. | Condition satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit in the past xxxmonths<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score exceed guideline minimum of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves of $xxx or xxx PITI months reserves exceed guidelines<br>|
| 409013334 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | C | C | A | A | A | D | C | D | C | C | A | A | A | D | C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of updated xxx prices | 6.12.2025 Client provided xxx historical xxx Price and monthly income being used for xxx is $xxx by Lender and prior xxx year history (xxx) from end of year paystubs supports $xxx; lender using worst case most conservative to qualify per xxx calculation of $xxx (pg xxx calculation worksheet). | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx+ years at job<br>|
| 409013334 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | C | C | A | A | A | D | C | D | C | C | A | A | A | D | C | Compliance | TILA/RESPA Integrated Disclosure | Waived | C | C | C | C | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at leastxxxbusiness days prior to closing | Yes | The Product disclosed on CD xxx is xxx xxx Rate and does not match the Product disclosed on final CD. | 06/16/25 Client provided a duplicate copy of the xxx CD e-xxx. Condition remains. The Product changed from xxx to xxx Rate on the Revised xxx CD with the Closing occurring on 5/22. A new xxx day waiting period was not met.06/30/2025 Client provided an Approved Exception Request for Corrected CD should have been provided. | Initial and Final Grade C. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx+ years at job<br>|
| 409013334 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | C | C | A | A | A | D | C | D | C | C | A | A | A | D | C | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | Guidelines:'A xxx) year average of prior income received from xxx or xxx options should be used to calculate the xxx, with the continuance based on the xxx schedule using a xxx price based on the lower of the current xxx price or the xxx week average for the most recent xxx) months reporting at the time of application. The income used for qualifying must be supported by future vesting based on the xxx price used for qualifying and vesting schedule'xxx price print out page xxx+ combined file, does not reflect xxx. Please provide above meeting guidelines. Subject to full xxx income recalc and may be subject to additional conditions upon review. | 6.12.2025 Client provided xxx historical xxx Price and monthly income being used for xxx is $xxx by Lender and prior xxx year history xxx supports $xxx; lender using worst case most conservative to qualify per xxx calculation of $xxx (pg xxx calculation worksheet). | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx+ years at job<br>|
| 409013340 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves $xxx Verified $xxx Subject: xxx xxx $xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years<br>|
| 409013340 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide xxx month xxx for xxx. Credit report only shows xxx months and was opened xxx | 6.2.2025 Client provided updated credit supplement verifying xxx months with xxx current xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves $xxx Verified $xxx Subject: $xxx xxx= $xxx xxx: $xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxxyears<br>|
| 409013340 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide non contingent offer letter for each borrower signed and accepted by Borrower | 5/27 Client provided the non contingent offer letter | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves $xxx. Verified $xxx Subject: $xxx x xxx= $xxx xxx: $xxx = $xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxxyears<br>|
| 409013342 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on xxx CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ xxx as xxx months PITIA Guidelines require xxx months or $ xxx Months for Additional REO or $ xxx = $xxx<br>|
| 409013342 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3646 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Ten percent tolerance in amount of $xxx due to added or increased Title fees with no COC in file to support it. Borrower selected title provider from xxx, all title fees, including Recording fee, are tested for xxx% tolerance. Lender's credit of $xxx is not sufficient to cover it. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund for $xxx and proof of delivery via shipping that includes tracking information. | 05/29/25 Client provided a xxx PCCD with increased cure, $xxx refund check, LOE and delivery. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxxGuidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ xxx as xxx months PITIA Guidelines require xxx months or $xxx+xxxMonths for Additional REO or $ xxx xxx= $xxx<br>|
| 409013515 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero Tolerance in the amount of $xxxx due to increase in Credit Report on initial CD xxx with no COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 07/15/25 Client provided a xxx PCCD with $xxx principal reduction cure, LOE/COC and payment history reflecting the xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx Score exceeds xxx min<br>|
| 409013515 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing HUD from sale of xxx with payoff and proceeds | 7.2.2025 Client provided xxx-1 from sale of xxx home: xxx with payoff of existing xxx liens and borrower netting $xxx Sold as of xxx with Note date xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx Score exceeds xxx min<br>|
| 409013515 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing xxx Income xxx | 7.1.2025 Client provided Lender Cash Flow Income xxx for xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx Score exceeds xxx min<br>|
| 409013538 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per xxx tracking and xxx in file, a revised/final LE was issued on xxx but is missing in file. | 06/27/2025 Client provided missing LE xxx with COC for rate lock. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxxmonths or $ xxx X xxx= $ xxx+xxx Months for Additional REO or $ xxx Xxxx= $ xxx<br>|
| 409013544 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | A | A | D | B | D | B | C | B | A | A | D | B | Compliance | Finance Charge Tolerance | Satisfied | C | B | C | B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Finance charge understated by $xxx. Condition is pending receiving latest xxx and Lender's credit detailed breakdown. Additional conditions may apply | 05/29/25 Client provided a xxx dated xxx. Condition remains. The xxx reflects Finance Charges and Amount Financed that differs from the Final CD Loan Calculations. 06/02/25 Client provided an earlier xxx, dated at Closing on xxx. Condition remains. The Finance Charge on the xxx of $xxx does not match the Finance Charge on the Final xxx CD of $xxx. Internal testing Finance Charge is $xxx. Unable to determine reason why the Final CD Finance Charge is understated by more than $xxx.06/05/25 Client provided another xxx (dated xxx) that still reflects a Finance Charge of $xxx(same as the xxx). This does not match the Final xxx CD Finance Charge of $xxx. Provide the xxx or Lender xxx testing that matches the Final CD for further review. Additional conditions may apply.06/09/25 Client provided another copy of the xxx and the Final CD. Upon review by xxx re-testing performed to adjust the general Lender Credit based on the xxx xxx application. Re-testing still results in an understated Finance Charge by $xxx. 06/13/25 Client provided another duplicate copy of the xxx Final CD and xxx Condition remains. Lender to provide a detailed breakdown of how the $xxx Lender Credit was applied and why the xxx reflects a Finance Charge of $xxx, but the Final CD reflects a Finance Charge of $xxx. Additional conditions may apply.06/30/25 Client provided a corrected xxx PCCD and xxx with their xxx fees (Lender Credit not applied to any fees). Condition remains. Provide the LOE to borrowers, refund check for $xxx, proof of delivery that includes Tracking information, and reopen rescission with dates allowing for method of delivery.07/16/25 Client provided a shipping label (xxx shows only the label has been created) and an LOE to borrower with copies of a $xxx Principal Reduction with Receipt Transaction. Condition remains. Per the condition request, a refund check is required, not a Principal Reduction. Provide borrowers with a refund check, updated Tracking to confirm shipment, and reopen rescission (Please note: Cure is required within xxx days of discovery).07/17/25 Client provided an Email Response that has been escalated to xxx. Upon review, xxx will allow for a one time exception for the cure via xxx. Condition remains for the updated Tracking to confirm shipment and reopen rescission within xxx days of discovery.07/18/25 Client provided a shipping label. Tracking show out for delivery today xxx. Condition remains. Provide the reopened ROR forms to all title holders reflecting evidence of receipt and the reopened rescission period.07/21/25 Client provided xxx copies of the new ROR forms for all parties that extends the Expiration Date to midnight of xxx Condition remains for the delivery confirmation (ROR's are not signed nor was any delivery confirmation provided to verify the full xxx day rescission was opened).07/21/25 Client provided a shipping label dated xxx. Tracking confirms only the label has been created. The latest date for delivery would be xxx with a xxx Expiration Date on the ROR. If confirmation of receipt by all parties is not confirmed by today (xxx), then rescission will need to be reopened with proof of delivery to all parties (confirmed receipt) and rescission reopened giving all parties xxx days to rescind.07/22/25 Client provided the Tracking and E-xxx ROR forms confirming receipt by all parties on xxx. Condition remains for the new rescission period to expire.07/25/25 The new rescission period is now expired. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV below guideline requirements of xxx% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxxmonths with xxx Mortgage payment history exceeds guidelines of xxx months.<br>|
| 409013544 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | A | A | D | B | D | B | C | B | A | A | D | B | Compliance | Finance Charge Tolerance | Satisfied | C | B | C | B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than xxx's calculated Amount Financed | No | Finance charge understated by $xxx. Condition is pending receiving latest xxx and Lender's credit detailed breakdown. Additional conditions may apply | 05/29/25 Client provided a xxx dated xxx. Condition remains. The xxx reflects Finance Charges and Amount Financed that differs from the Final CD Loan Calculations. 06/02/25 Client provided an earlier xxx, dated at Closing on xxx. Condition remains. The Finance Charge on the xxx of $xxx does not match the Finance Charge on the Final xxx CD of $xxx. Internal testing Finance Charge is $xxx. Unable to determine reason why the Final CD Finance Charge is understated by more than $xxx.06/05/25 Client provided another xxx (dated xxx) that still reflects a Finance Charge of $xxx(same as the xxx). This does not match the Final xxx CD Finance Charge of $xxx. Provide the xxx or Lender xxx testing that matches the Final CD for further review. Additional conditions may apply.06/09/25 Client provided another copy of the xxx and the Final CD. Upon review by xxx re-testing performed to adjust the general Lender Credit based on the xxx xxx application. Re-testing still results in an understated Finance Charge by $xxx. 06/13/25 Client provided another duplicate copy of the xxx Final CD and xxx Condition remains. Lender to provide a detailed breakdown of how the $xxx Lender Credit was applied and why the xxx reflects a Finance Charge of $xxx, but the Final CD reflects a Finance Charge of $xxx. Additional conditions may apply.06/30/25 Client provided a corrected xxx PCCD and xxx with their xxx fees (Lender Credit not applied to any fees). Condition remains. Provide the LOE to borrowers, refund check for $xxx, proof of delivery that includes Tracking information, and reopen rescission with dates allowing for method of delivery.07/16/25 Client provided a shipping label (xxx shows only the label has been created) and an LOE to borrower with copies of a $xxx Principal Reduction with Receipt Transaction. Condition remains. Per the condition request, a refund check is required, not a Principal Reduction. Provide borrowers with a refund check, updated Tracking to confirm shipment, and reopen rescission (Please note: Cure is required within xxx days of discovery).07/17/25 Client provided an Email Response that has been escalated to xxx. Upon review, xxx will allow for a one time exception for the cure via xxx. Condition remains for the updated Tracking to confirm shipment and reopen rescission within xxx days of discovery.07/18/25 Client provided a shipping label. Tracking show out for delivery today xxx. Condition remains. Provide the reopened ROR forms to all title holders reflecting evidence of receipt and the reopened rescission period.07/21/25 Client provided xxx copies of the new ROR forms for all parties that extends the Expiration Date to midnight of xxx Condition remains for the delivery confirmation (ROR's are not signed nor was any delivery confirmation provided to verify the full xxx day rescission was opened).07/21/25 Client provided a shipping label dated xxx. Tracking confirms only the label has been created. The latest date for delivery would be xxx with a xxx Expiration Date on the ROR. If confirmation of receipt by all parties is not confirmed by today (xxx), then rescission will need to be reopened with proof of delivery to all parties (confirmed receipt) and rescission reopened giving all parties xxx days to rescind.07/22/25 Client provided the Tracking and E-xxx ROR forms confirming receipt by all parties on xxx. Condition remains for the new rescission period to expire.07/25/25 The new rescission period is now expired. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV below guideline requirements of xxx% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxxmonths with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>|
| 409013544 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | A | A | D | B | D | B | C | B | A | A | D | B | Compliance | Right of Rescission | Satisfied | B | A | B | A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Condition pending receipt of missing xxx. | 05/29/25 Client provided the missing xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV below guideline requirements of xxx% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxxmonths with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>|
| 409013544 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | A | A | D | B | D | B | C | B | A | A | D | B | Compliance | Right of Rescission | Satisfied | D | A | D | A | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing a copy of executed xxx form by all title holders | 05/29/25 Client provided the missing xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV below guideline requirements of xxx% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxxmonths with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>|
| 409013544 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | A | A | D | B | D | B | C | B | A | A | D | B | Credit | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Provide xxx month Cash Flow Analysis for xxx and xxx as required per guidelines. | 5/28 Client provided duplicate bank statements for xxx; condition remains for a xxx cash flow analysis for xxx and xxx most recent xxx months as required per guidelines.6/4 Client provided the same duplicate bank statements for xxx; condition remainsxxx Client provided bank statements; condition remains 6.16.2025 Client provided duplicate in file most recent xxx months (xxx) xxx bank statements however still missing xxx Asset Cash Flow Analysis covering these xxx months for EACH/Both accounts #xxx, #xxx6/23 Client provided an undated cash flow analysis with no information about the preparer; Condition remains to Provide a cash flow analysis for xxx accounts #xxx and #xxx prepared by the Lender dated, and with the xxx name xxx6.24.2025 Client provided a sheet that states personal assets and xxx assets however still missing xxx months Cash Flow xxx Asset Analysis for accounts: #xxx and #xxx covering (xxx) 7.3.2025 Client provided xxx Asset Cash Flow Analysis covering #xxx and #xxx, however appears to be a typo with ending balance of $xxx vs $xxx for #xxx, provide updated correct analysis for this #xxx showing $xxx vs $xxx7/xxxClient provided a corrected Cash flow analysis | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV below guideline requirements of xxx% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxxmonths with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>|
| 409013544 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | A | A | D | B | D | B | C | B | A | A | D | B | Credit | Income/Employment | Waived | B | B | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide xxx party xxx for xxx for xxx dated no more than xxx calendar days prior to the note date. Borrower's website is not acceptable xxx source.Provide xxx for xxx dated no more than xxx days prior to Note | 5/28 Client provided an xxx using the xxx website as the xxx; Condition remains, provide a xxx meeting xxx and a xxx for xxx dated no ore than xxx business days prior to Notexxx Client provided a xxx for xxx; and a duplicate invalid xxx using the xxx website; Condition remains for a xxx meeting x6/6 Client provided a SE VOE meeting GLs xx however, it is xxx dated xxx; Provide a Prior to close xxx meeting xxx6.16.2025 Client provided xxx dated xxx for xxx however is xxx dated (Note date xxx), condition remains for prior to closing xxx6.16.2025 Client provided exception approval to allow for xxx date xxx (for xxx) with file having end of year xxx | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV below guideline requirements of xxx% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxxmonths with xxx Mortgage payment history exceeds guidelines of xxx months.<br>|
| 409013650 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>|
| 409013650 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing evidence to verify xxx fee for xxxland; tax payment verification provided results in $xxx in xxx or $xxx/mo. and lender's application reflects the total monthly insurance, taxes and association dues to be $xxx/mo. xxx search results indicate there are association dues for land that covers xxx, xxx and other. | 7/29 Client provided a xxx search with xxx dues reflected as $xxxper year Supporting the total used to qualify $xxx | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>|
| 409013775 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | B | B | D | B | D | B | A | A | B | B | Compliance | Right of Rescission | Satisfied | B | B | B | B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR dated xxx and signed xxx with an expiration date of xxx. Borrower was not given full xxx days of rescission. Condition is pending re-opening ROR to all title holders, xxx and proof of delivery with tracking information. | 07/10/25 Client provided an xxx to all parties on xxx with attached new ROR forms extending the Expiration Date to midnight of xxx. Condition remains for the new rescission period to expire.07/14/25 The new rescission period is now expired. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx score exceeds program min xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx years in xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: xxx years xxx months at current home<br>|
| 409013775 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | B | B | D | B | D | B | A | A | B | B | Credit | Assets | Waived | D | B | D | B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | xxx was used for reserves; per xxx xxx xxx months statements are required provide xxx additional month missing xxx statement and the xxx cash flow analysis to confirm no negative impact to the xxx | 7.14.2025 Client provided exception approval for missing additional xxx statement along with missing Cash Flow Asset xxx Analysis covering the required xxx months xxx | Upon further review by xxx exception is deemed non-material. Exception approved, B Grade with compensating factors: significant time at current residence (xxx years) with fico score of XXXX and XXXX years with current xxx | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx score exceeds program min xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx years in xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: xxx years xxx months at current home<br>|
| 409013775 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | B | B | D | B | D | B | A | A | B | B | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing form xxx income worksheet supporting lender income calculation; xxx calculation is $xxx for each Borrower and Lender used $xxx | 7.10.2025 Client provided Lender Cash Flow xxx for both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx score exceeds program min xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx years in xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: xxx years xxx months at current home<br>|
| 409013787 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation. | No | Ten percent tolerance in amount of $xxx due to increase in Title - Lender's Policy fee with no COC in file. Borrower selected title provider from SPL, all title fees included Recording fee are tested for xxx% violation. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 07/16/25 Client provided a duplicate copy of the xxx and the following xxx comment "xxx" Condition remains. Borrower chose the settlement provider from the xxx and it is not unreasonable to assume they did not shop for their xxx The separation of fees reflected in the xxx testing is not a typical testing method. Provide supporting documentation or notations to support the borrower was aware/shopped separately for the xxx services. 07/25/25 Client provided a xxx PCCD with cure, LOE, $xxx refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months PITI in reserves.<br>|
| 409013864 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Compliance | Right of Rescission | Waived | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title Commitment in file, a loan originated with the same lender. Incorrect xxx ROR form was used instead of xxx form. | 07/07/25 Client provided an approved exception for using incorrect xxx form | 07/07/25 Initial and final grade xxx | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA Guidelines require xxx months or $ xxx+xxx Months for Additional REO or $ xxx xxx= $ xxx<br>|
| 409013864 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing xxx Extension | 7.25.2025 Client provided xxx xxx relief for xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA Guidelines require xxx months or $ xxx+xxx Months for Additional REO or $ xxx xxx= $ xxx<br>|
| 409013890 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at the same job for xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx effective/reserves; $xxx\*xxx+ REO $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>|
| 409013899 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing income docs | 6.26.2025 Client provided copy xxx xxx statement that supports continuance of xxx income and provided copy of the xxx and xxx is the xxx are for however, (xxx). with review of the xxx statement don't support the monthly xxx income distribution of $xxx that is being used for qualifying and (xxx). missing documentation per guidelines: Regular receipt of xxx income for the xxx or xxx months must be documented. Condition remains for evidence of regular (xxx) receipt of xxx income. 7.2.2025 Client provided xxx statement xxx supporting borrower have received xxx (xxx) quarterly payments of $xxxx xxx yearly for monthly $xxx which is being used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxx in reserves required.<br>|
| 409013899 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Borrowers xxx an additional property located at xxx and lender used monthly insurance, taxes, etc. of $xxx to qualify. Tax and insurance documentation provided in the file verified total monthly amount of $xxx. File is missing documentation verifying the additional expenses of $xxx. | 6/19 Client provided evidence of xxx dues of $xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxx in reserves required.<br>|
| 409013899 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2302 | Missing Required Income Documentation | No | Lender used xxx income in the amount of $xxx/month for B1 to qualify. File is missing all required documentation to verify this income which includes:1) Must be guaranteed and that regular payments will continue for at least xxx years.2) Regular receipt of xxx income for the past xxx (xxx) or xxx (xxx) months.3) Must adhere to xxx as tied to fixed or variable xxx income payments.4) Copy of xxx agreement or xxx statement showing total amount of borrower designated xxx funds, terms of payment, duration of xxx and evidence the xxx | 6.26.2025 Client provided copy of xxx statement that supports continuance of xxx income and provided copy of the xxx and xxx are for however, (xxx). with review of the xxx, don't support the monthly xxx that is being used for qualifying and (xxx). missing documentation per guidelines: Regular receipt of xxx for the past xxx (xxx) or xxx (xxx) months must be documented. Condition remains for evidence of regular (xxx months) receipt of xxx and knowing that xxx statement don't appear to reflect this much income distribution reflected on statement. 7.2.2025 Client provided xxx statement xxx supporting borrower have received xxx quarterly payments of $xxx yearly for monthly $xxx which is being used for qualifying which supports being xxx which is borrower xxx xxx account and continuance of over xxx years have been verified. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxx in reserves required.<br>|
| 409013904 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review/receipt of xxx | 6.19.2025 Client provided Credit report dated xxx for xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETS Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxx months or $ xxx = $xxx+xxx Months for Additional REO or $ xxx xxx= $ xxx<br>|
| 409013904 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the xxx, we are satisfying to xxx | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETSPost Close Assets are $ xxx or xxx months of PITIAGuidelines require xxx months or $ xxxX xxx = $xxx+xxxMonths for Additional REO or $ xxx Xxxx= $ xxx<br>|
| 409013904 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance in amount of $xxx due to increase in Appraisal fee on LE xxx with no valid COC in file and decreased lender's credit by $xxx on LE xxx with no updated Rate Lock Agreement/ COC in file. Lender's credit for tolerance cure of $xxx was applied towards Credit Report increase. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund for $xxx and proof of delivery via shipping that includes tracking information. | 06/18/25 Client provided screenshots of the COC Reviews with xxx Notes dated xxx and xxx. The xxx Notes indicate a Loan Amount decrease which corresponds to the xxx Rate Lock in file (xxx). This validates the Lender Credit change. Condition remains. The xxx Notes do not reflect a valid change reason for the increase Appraisal Fee. Borrower is due a refund of $xxx, PCCD with increased tolerance cure, LOE to borrower and proof of delivery that includes tracking information.06/24/25 Client provided a duplicate copy of the screenshots / COC Reviews with xxx Notes dated xxx and xxx. Condition remains. The xxx Notes do not reflect a valid change reason for the increase Appraisal Fee. Borrower is due a refund of $xxx, PCCD with increased tolerance cure, LOE to borrower and proof of delivery that includes tracking information.06/25/25 Client provided an xxx Email from the Lender dated xxx that states to proceed with the xxx fee quote of $xxx for this xxx with ETA xxx. Condition remains. Provide further explanation for what "xxx" occurred that resulted in the higher quoted cost. Additional conditions may apply.07/03/25 Client provided a shipping label, LOE, $xxx refund check and xxx incomplete copies of a xxx PCCD (both copies are missing pages xxx). Condition remains for the missing pages xxx and xxx of the xxx PCCD.07/08/25 Client provided the full copies of the xxx PCCD's. | Condition Satisfied. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETSPost Close Assets are $ xxx or xxx months of PITIA Guidelines require xxx months or $ xxx = $xxx+xxxMonths for Additional REO or $ xxx Xxxx= $ xxx<br>|
| 409013904 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH183 | Credit report incomplete | No | Provide missing xxx for xxx, meeting guidelines.Subject to DTI recalc and may be subject to additional conditions upon review. | 6.19.2025 Client provided Credit report dated xxx for xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETSPost Close Assets are $ xxx or xxx months of PITIAGuidelines require xxx months or $ xxx = $xxx+xxx Months for Additional REO or $ xxx xxx= $ xxx<br>|
| 409013904 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete | No | Title Commitment in file is xxx/ illegible. Provide legible copy, meeting guidelines. Subject to full review, and may be subject to additional conditions. | 6.19.2025 Client provided legible copy of xxx for subject transaction | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETS Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxx months or $ xxx xxx = $xxx+xxxMonths for Additional REO or $ xxx xxx= $ xxx<br>|
| 409013905 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | Finance Charge Tolerance | Satisfied | C | A | C | A | CMPFINT109 | Finance charge understated by more than $35 (Pmt Stream) | No | Finance charge understated by $xxx due to Subordination fee $xxx in H. section not being included into Finance Charge calculation. Cure via re-open rescission to all title holders with dates allowing for method of delivery, with a copy of refund of the amount of the underdisclosure, LOE to borrower and proof of shipping with tracking. | 07/07/25 Client provided an LOE from Seller and a CD Issued on xxx, signed xxx. Condition remains. For further testing, provide the Final xxx. Additional conditions may apply.07/11/25 Client provided the stamped Final xxx matching the xxx CD signed at Consummation on xxx. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx LTV; max xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409013905 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | Finance Charge Tolerance | Satisfied | C | A | C | A | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than xxx's calculated Amount Financed | No | Finance charge understated by $xxx due to Subordination fee $xxx in H. section not being included into Finance Charge calculation. Cure via re-open rescission to all title holders with dates allowing for method of delivery, with a copy of refund of the amount of the underdisclosure, LOE to borrower and proof of shipping with tracking. | 07/07/25 Client provided an LOE from Seller and a CD Issued on xxx, signed xxx. Condition remains. For further testing, provide the Final xxx Additional conditions may apply.07/11/25 Client provided the stamped Final xxx matching the xxx CD signed at Consummation on xxx. Re-testing results in no violation. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx LTV; max xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409013905 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | Right of Rescission | Satisfied | C | A | C | A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date [0xxx] on final CD xxx is before end of statutory rescission period [x] on xx ROR. Condition is pending receiving final xxx statement with later disbursement date and corrected PCD with LOE to borrower | 07/07/25 Client provided an LOE from xxx and a CD Issued on xxx, signed xxx. Condition remains. For further testing, provide the Final xxx. Additional conditions may apply.07/11/25 Client provided the stamped Final xxx reflecting Disbursement on xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx LTV; max xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409013905 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | Missing signed/dated verification on borrower's xxx tax returns or xxx transcripts for the corresponding years. | 6/23 Client provided xxx bank statements; Condition remains for signed xxx returns6/25 Client provided the signed taxes | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx LTV; max xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409013905 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing lender's xxx calculation on form xxx (or equivalent), required for income analysis. | 6/23 Client provided xxx Bank statements; condition remains for xxx form6/25 Client provided xxx form | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx LTV; max xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409013905 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Property Valuations | Appraisal | Satisfied | A | A | A | A | PRVAAPPR237 | Appraisal is stale dated without recertification in file | No | Appraisal dated xxx for $xxx is xxx dated past xxx days. Provide new appraisal. | Appraisal update with effective date xxx on the xxx form is provided, which certifies the subject's xxx area has not declined since the original appraisal on xxx. Photos are provided as required and the exception satisfied. | Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx LTV; max xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409013928 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 07/07/2025 Client provided an LOE from the Lender that are not Affiliated with anyone. Conditions remain. Provide a Signed Affidavit. | Condition Satisfied. Lender LOE contains the name/title/contact Email of the person that completed the LOE. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score exceed guideline minimum of xxx.<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>|
| 409013957 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Federal Consumer Protection | Satisfied | C | A | C | A | CMPFDCP3206 | NMLS License verification found Loan Originator Name does not match ID | No | xxx does not match note mortgage or xxx xxx goes to xxx | 7.3.2025 Client provided a Post CD showing xxx as xxx however file do have xxx showing this xxx xxx having other xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>|
| 409013957 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | XXXX Home Equity | Satisfied | C | B | C | B | CMPTXHE119 | XXXX Equity - Affidavit of Fair Market Value not signed by lender | No | xxx Affidavit of xxx Value not signed by lender. | 07/03/25 Client provided a xxx, xxx Affidavit signed by Lender. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit xxx<br>|
| 409013966 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Short Funds to Close($xxx)Per DU, the following assets were used to qualify the loan:1. xxx in file is for a different balance, and is in the name of Non-Signing xxx.)2. Checking Account xxx (not in file)3. Savings Account xxx (not in file)4. xxx (Docs in file)xxxProvide missing asset statements, meeting guidelines. Subject to full asset recalc and may be subject to additional conditions upon review. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx for xxx months<br>|
| 409013966 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Reserves sourced:Months PITI Reserves (Qual Rate)-xxxxCash Reserves($xxxx)Required:x months PITIA for subject andxxxmonths for REO; not met. Provide asset statements, meeting guidelines, supporting Borrower had required reserves. May be subject to additional conditions upon review. | 7/15 Client provided sufficient assets | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx for xxx months<br>|
| 409013966 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2304 | Unverified Assets | No | Per DU, the following assets were used to qualify the loan:1. xxx in file is for a different balance, and is in the name of Non-Signing xxx.)2. Checking Account xxx (not in file)3. Savings Account xxx (not in file)4. xxx (Docs in file)xxxProvide missing asset statements, meeting guidelines. Subject to full asset recalc and may be subject to additional conditions upon review. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx for xxx months<br>|
| 409013998 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | xxx xxx reflected on xxxCD but not in section xxx of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per xxx xxx revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>|
| 409013998 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero percent tolerance of $xxxdue to xxxtranscript fee added on LE xxx with no valid reasons documented on COC xxx. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/30/25 Client provided a different version of the COC (showing date of change xxx) that states the xxxare now required on the file per the xxx. Condition remains. The Details do not reflect what change occurred that resulted in the need for the xxx. Provide further explanation for review.07/03/25 Client provided the xxx Invoice, COC and xxx email xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>|
| 409014014 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $xxx. Verified $xxx Subject: $xxx = $xxx xxx xxx: $xxx xxxx= $xxx<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrower has xxx on current and previous mortgages<br>|
| 409014014 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at leastxxxbusiness days prior to closing | No | Final CD xxx is only CD in file. Product not disclosed at least xxx days prior to closing date of xxx | 07/21/2025 Client provided missing Initial CD xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $xxx. Verified $xxx Subject: $xxx = $xxx xxxxxx: $xxx xxxx= $xxx<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrower has xxx on current and previous mortgages<br>|
| 409014027 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months PITIA in reserves.<br>|
| 409014027 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | Property Valuations | Property | Satisfied | B | A | B | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing xxx Questionnaire | 6/27 Client provided the xxx xxx | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months PITIA in reserves.<br>|
| 409014055 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx.xxx reserves; $xxx+ REO $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>|
| 409014055 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR1939 | Appraiser License for Incorrect State | No | Missing appraisal report. | 7.11.2025 Client provided subject appraisal dated xxx with value of $xxx along with xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx.xxxreserves; $xxx+ REO $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqual score; min xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>|
| 409014055 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR100 | Missing Appraisal | No | Missing appraisal report for $xxx value. | 7.11.2025 Client provided subject appraisal dated xxx with value of $xxx; subject is Legal non-conforming and appraiser commenting: Per the xxx is considered to be a legal non conforming lot. ItDoes not meet current xxx standards but is allowed to exist under the xxx. The subject may beRebuilt on the original xxx if destroyed within xxx years time period. This is not considered adverse to the xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx.xxxreserves; $xxx+ REO $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqual score; min xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxxyears.<br>|
| 409014055 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing CU xxx supporting appraisal value. | 7.11.2025 Client provided subject appraisal dated xxx with value of $xxx and provided xxx CU Score xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx.xxxreserves; $xxx+ REO $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqual score; min xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxxyears.<br>|
| 409014055 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | FEMA | Satisfied | B | A | B | A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Missing appraisal report. | 7.11.2025 Client provided subject appraisal dated xxx with value of $xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx.xxxreserves; $xxx+ REO $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqual score; min xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxxyears.<br>|
| 409014098 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTRI xxx%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx.xxxor xxxmonths<br>|
| 409014098 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC3204 | Income Documentation Missing | No | only written xxx in file, missing income documents | 6/19 Client provided supporting income Docs xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTRI xxx%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx.xxxor xxxmonths<br>|
| 409014098 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Income/Employment | Waived | C | B | C | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Projected income Borrowers used xxx% of bonus income to qualify | 6/19 Client provided an approved exception to qualify using xxx% of xxx income | Upon review by xxx Condition is a Non Material B grade; Low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTRI xxx%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx.xxxor xxxmonths<br>|
| 409014098 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | MAX LTV for loan amount of $xxx is xxx% | 6/19 Client provided an approved exception to allow the file with an LTV of xxxx | xxx final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTRI xxx%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx.xxxor xxxmonths<br>|
| 409014098 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER110 | Loan amount exceeds guideline maximum | No | Max loan amount is $xxx, current loan amount is $xxx | 6/19 Client provided an approved exception to allow the file with a loan amount of $xxx | xxx final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTRI xxx%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx.xxxor xxxmonths<br>|
| 409014121 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>|
| 409014126 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV is at xxx, below program guidelines max LTV of xxx%.<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: xxx shows $xxx in monthly bonus income that was not used in qualifying.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Mid credit score of xxx is above guideline required credit score of xxx.<br>|
| 409014126 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Insurance | Waived | B | B | B | B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance effective date is xxx, Note date is xxx | Client approved waiver in file for Insurance Effective date is greater than the transaction date | xxxs final grade B | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV is at xxx, below program guidelines max LTV of xxx.<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: xxx shows $xxx in monthly bonus income that was not used in qualifying.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Mid credit score of xxx is above guideline required credit score of xxx.<br>|
| 409014131 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Credit | Income/Employment | Waived | C | B | C | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Per guidelines, provide the following for xxxk monthly xxx income:Income from xxx may be used if xxx and regular payments will continue for at least xxx (xxx) years. Regular receipt of xxx income for the past x xx (xxx) or xxx (xxx) months must be documented. (not met- xxx combined file stated distributions just started xxx Must adhere to xxx as tied to fixed or variable xxx income payments. Copy of xxx agreement or xxx statement showing:? Total amount of borrower designated xxx funds.?xxx? xxx? Evidence the xxxMay be subject to additional conditions upon review. | 7/15 Client provided duplicate Email indicating xxx payments began xxx; Condition remains 7.21.2025 Client provided duplicate (in file) copy of xxx which appears to have been amended as of xxx and updated xxx appears to be an amendment from prior xxx dated xxx; condition remains xxx income for qualifying appears to have just been set up to receive monthly payments, only one month (xxx) have been evidence as being deposited from xxx however xxx months receipt is required. 7/21 Client provided an approved exception to allow the file with xxx income beginning xxx | Upon review by xxx Condition is a Non Material B grade; Strong reserves, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)xxxCash Reserves$xxxExceeds requirement for subject<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx > xxx months<br>|
| 409014131 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Loan amount : xxxxxx coverage: xxx dwelling xxx other structures coverage xxx= xxx.Provide sufficient coverage.May be subject to additional conditions upon review. | 7.17.2025 Client provided xxx estimated replacement cost worksheet | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)xxxCash Reserves$xxxExceeds requirement for subject<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx > xxxmonths<br>|
| 409014131 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR1939 | Appraiser License for Incorrect State | No | Unable to test due to missing appraisal | 7.14.2025 Client provided appraisal dated xxx with value of $xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)xxxCash Reserves$xxxExceeds requirement for subject<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx > xxxmonths<br>|
| 409014131 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR100 | Missing Appraisal | No | Provide missing appraisal report, meeting guidelines, supporting xxx as reflected on xxx.Subject to full review, and may be subject to additional conditions. | 7.14.2025 Client provided appraisal dated xxx with value of $xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)xxx Cash Reserves$xxx Exceeds requirement for subject<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx > xxxmonths<br>|
| 409014131 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Unable to test due to missing appraisal | 7.14.2025 Client provided appraisal dated xxx with value of $xxx | condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)xxxCash Reserves$xxxExceeds requirement for subject<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx > xxxmonths<br>|
| 409014139 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fee that should be disclosed in Section F is not disclosed on Final CD xxx; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum allowable LTV of xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxxis xxxpoints above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months of PITIA available in reserves; xxx months required.<br>|
| 409014139 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | File is missing a front and back copy of the co-borrower's permanent residence xxx(xxx). | 7.8.2025 Client provided front and back copy of xxx that expires on xxx and provided xxx Notice of Action that xxx have been extended for xxx months from the date of expiration, expiration date is xxx so have an additional xxx months for xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum allowable LTV of xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxxis xxxpoints above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months of PITIA available in reserves; xxx months required.<br>|
| 409014139 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Lender used monthly, taxes, insurance, xxx dues, etc. of $xxxfor the borrowers' retained xxx residence to qualify. Tax and insurance documentation provided in the file verified monthly amount of $xxx. File is missing documentation verifying additional monthly expenses of $xxx. | 7/xxxClient provided an xxx Upon review it is unclear if the error is the $xxx figure or if they have supporting docs for that figure and the error was $xxx; Condition remains; provide an xxx Certification signed and dated explaining the error and the corresponding supporting docs for the calculation with a corrected xxx if applicable 7.14.2025 Client provided a copy of xxx however no changes were made, xxx home still reflect $xxx ; prior condition remains 7.17.2025 Client provided previously provided an LOX email stating it was in error and that we have supporting docs for the correct amounts, in which the documentation in file verifies $xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum allowable LTV of xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxxpoints above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months of PITIA available in reserves; xxx months required.<br>|
| 409014139 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Lender used xxx income of $xxx/month for the borrower to qualify. File is missing additional year of personal tax returns (xxx) and xxx tax transcripts and documentation verifying assets similar to the assets reported as xxx to support the xxx of the xxx. xxx tax returns and transcripts only were provided in the file. Must be xxx from similar assets for xxx continuous years to be considered qualifying income. | 7/7 Client provided duplicate xxx; Condition remains 7.8.2025 Client provided xxx Transcripts and xxx however no xxx for Year xxx; only xxx pages of xxx was provided (xxx page and xxx). Condition remains to (xxx). provide full complete copy of xxx (if more than xxx pages), currently unable to determine what x Lender used for xxx xxx and (xxx). provide Lender calculation used for xxx of $xxx xxx7/xxxClient provided income xxx, and xxx xxx with transcripts; still missing complete xxx xxx subject to income calculation7.14.2025 Client provided Lender calculation worksheet and appears per Lender LOX Year xxx have no attached as stated as such on xxx of xxx and previously provided xxx Transcripts appears average of xxx which is being used by Lender and per Lender LOX, statement #xxx is account that is being used towards continuance of xxx. Response, xxx is also being used towards this transaction closing and unable to determine if this account #xxx have been used (xxx) towards cash to close, etc. Continuance of xxx income is not supported. 7.17.2025 Client provided Lender LOX and duplicate documents in file, stating xxx now having a balance of $xxx(where funds were transferred to other xxx) and LOX stating Borrower has already received appreciation of $xxx thru xxx and additional assets remaining after closing of $xxx plus the $xxx in xxx would support $xxx per month in xxx, however $xxx (left towards reserves are in xxx) and the additional $xxx(left towards reserves) is in xxx account they aren't directly considered xxx however they can be demonstrated as capacity to generate future xxx due to borrower having a prior history. | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum allowable LTV of xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxxis xxxpoints above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months of PITIA available in reserves;xxx months required.<br>|
| 409014171 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months<br>|
| 409014171 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero Tolerance Fee of $xxx due to Lender Credit decreased from CD xxx to final CD xxx with no valid COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 08/04/2025 Client provided Duplicate CD xxx LOE reflecting lock extension xxx with change to Lender Credit for tolerance, COC CD redisclosure checklist. Lender credit is over by $xxx for tolerance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months<br>|
| 409014178 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per x and xxx revisions. Exception xxx satisfied. Final Grade A. | (No Data) | Condition Satisfied. All Seller fees located on Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceeds guideline minimum of xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves $xxx or xxx months PITI exceed guideline<br>|
| 409014178 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing verified assets used to pay off xxx loan for xxx | 7/22 Client provided evidence the xxx loan was paid off with xxx trade in and replaced with new xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceeds guideline minimum of xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves $xxx or xxx months PITI exceed guideline<br>|
| 409014187 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Insufficient assets verified in the file to meet the closing cost requirement. Total assets verified were $xxx with cash required to close of $xxx leaving $xxx short funds to close. Final xxx indicates borrower will receive proceeds of $xxx from the sale of the xxx residence. File is missing a copy of the fully executed final settlement statement/Closing Disclosure verifying sufficient net proceeds to meet the closing cost requirement. | 6.19.2025 Client provided executed Seller CD from sale of xxx home: xxx with payoff of existing xxx and borrower netting $xxx; sufficient funds to close verified | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxxis xxxpoints above the minimum required score of xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx with current xxx since xxx<br>|
| 409014187 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Insufficient assets verified in the file to meet the reserve requirement. Total assets verified were $xxx with cash required to close of $xxx. Final xxx indicates borrower will receive proceeds of $xxx from the sale of the xxx residence. File is missing a copy of the fully executed final xxx statement/Closing Disclosure verifying sufficient net proceeds to meet the reserve requirement after the closing cost requirement has been met. | 6.19.2025 Client provided executed Seller CD from sale of xxx home: xxx with payoff of existing xxx and borrower netting $xxx; sufficient reserves verified 13.77 months | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxxis xxxpoints above the minimum required score of xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx with current xxx since xxx<br>|
| 409014187 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | File is missing verification of the existence of borrowers xxx verified through a xxx and no more than xxx calendar days prior to the Note date. | 6/16 Client provided a xxx xxx xxx with xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxxis xxxpoints above the minimum required score of xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx with current xxx since xxx<br>|
| 409014187 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2422 | Missing Purchase Contract | No | File is missing a copy of the fully executed xxx contract. | 6.19.2025 Client provided executed Sales xxx for subject supporting $xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxxis xxxpoints above the minimum required score of xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx with current xxx since xxx<br>|
| 409014187 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2550 | Missing HUD-1 from sale of property | No | Final xxx indicates borrower's xxx residence will be xxx and the mortgage paid off. File is missing the fully executed final xxx statement/Closing Disclosure verifying property has been sold and xxx reported on credit has been paid off. | 6.19.2025 Client provided executed Seller CD from sale of xxx home: xxx with payoff of existing lien w/xxx and borrower netting $xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxxis xxxpoints above the minimum required score of xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx with current xxx since xxx<br>|
| 409014193 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Right of Rescission | Satisfied | C | A | C | A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Loan Consummated on xxx; ROR Expiration Date is xxx Final CD xxx indicates Disbursement Date of xxx Condition is pending receiving corrected PCD with LOE to borrower reflection reflecting later disbursement date of xxx on final xxx statement in file. | 06/26/2025 Client provided a funding CD xxx reflecting the same as the Final Settlement Statement in file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score; xxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx; total reserves required $xxx.<br>|
| 409014196 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score; xxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxxmonths required.<br>|
| 409014203 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections xxx are not disclosed on Final CD xxx; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score exceed guideline minimum of xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%.<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths.<br>|
| 409014215 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for xxx and xxxyears.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been at the same residence for xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>|
| 409014216 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Provide missing e-consent document. | 07/16/25 Client provided a xxx xxx Cert reflecting the xxx E-Consent. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxxYears in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxxmonths or $ xxx X xxx= $ xxx+xxxMonths for Additional REO or $ xxx Xxxx= $ xxx<br>|
| 409014216 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Provide missing e-consent document. | 07/16/25 Client provided a xxx xxx Cert reflecting the xxx E-Consent. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxxor xx months of PITIAGuidelines require xxxmonths or $ xxx X xxx= $ xxx+xxxMonths for Additional REO or $ xxx Xxxx= $ xxx<br>|
| 409014216 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing xxx letter | 7.15.2025 Client provided executed xxx Letter in the amount of $xxx along with evidence of xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxxYears in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxxor xxx months of PITIAGuidelines require xxxmonths or $ xxx X xxx= $ xxx+xxxMonths for Additional REO or $xxx Xxxx= $ xxx<br>|
| 409014216 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH123 | No evidence of required debt payoff | No | Documentation as to why xxx with $xxx/month payment was xxx | 7/21 Client provided x with xxx included xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxxYears in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxxmonths or $ xxx X xxx= $ xxx+xxxMonths for Additional REO or $ xxx Xxxx= $ xxx<br>|
| 409014216 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing xxx for xxx | 7/21Client provided xxx was paid: still missing xxx 7.29.2025 Client provided Lender LOX along with xxx verifying whom xxx is of property: xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxxYears in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxxmonths or $ xxx X xxx= $ xxx+xxxMonths for Additional REO or $ xxx Xxxx= $ xxx |
| 409014216 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing Fully completed xxx dated within xxx xxx days prior to Note | 7/21 Client provided a xxx xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxxYears in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxxmonths or $ xxx X xxx= $ xxx+xxxMonths for Additional REO or $ xxx Xxxx= $ xxx |
| 409014217 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2550 | Missing HUD-1 from sale of property | No | Missing xxx/CD from xxx of xxx | 7/29 Client provided the xxx with sufficient proceeds | Satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: fired in error<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: No mortgage lates in the past xxxmonth.<br>|
| 409014224 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxscore exceeds xxxMin<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves $xxx or xxx months PITIA and required is xxxmonths plus xxx months for xxx additonal REOs<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx LTV and MAX LTV is xxx<br>|
| 409014224 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero tolerance in amount of $xxx due to Appraisal Fee increase from $xxx on LE xxx to $xxx on LE xxx without valid COC and later decreased to $xxx at closing. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/25/25 Client provided a screenshot with xxx showing the xxx Change Event notes that the appraiser will be able to rush and have the report in xxx. There would be a $xxx rush fee added. Condition remains. Provide further explanation for what change occurred that resulted in the rush charge.07/09/25 Client provided a xxx PCCD, $xxx refund check, LOE and shipping label. Tracking shows only the label has been created. Condition remains for the proof of shipment.07/11/25 Client provided the proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxscore exceeds xxxMin<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves $xxx or xxx months PITIA and required is xxxmonths plus xxx months for xxx additonal REOs<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx LTV and MAX LTV is xxx<br>|
| 409014224 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2422 | Missing Purchase Contract | No | Provide a legible copy of the xxxx provided appears xxx on various lines through the document | 6.25.2025 Client provided executed copy of Sales Contract with sales price of $xxx however Contract appears to have xxx and xxx in place after closing (xxx. xxx Rentals) (at bottom of page) and pg xxx of the Sales xxx states: Buyer understands and agrees this property is subject to a short term rental management with xxx. Buyer may be required to honor reservations in place after closing and Counter xxx states: xxx will continue to book guests until the day of closing and xxx may be required to honor xxx in place after closing. xxx will receive proceeds from xxx up to day of closing. Condition remains, no xxx agreements can be in place and borrower must be in full control over the property at time of closing. 6.26.2025 Client provided an email letter from xxx: xxx and Borrower xxx (xxx) stating rental agreement between xxx and xxx will be come null and void on xxx. Response, missing evidence Letter signed from Borrower aware subject property will no longer be under a xxx as of xxx and Borrower having full control of subject property. Detailed explanation from borrower is required, due to xxx signed by borrower differ from the email between xxx and xxx xxx(xxx). 6.30.2025 Client provided email chain from Borrower knowing the xxx xxx is ending their xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxscore exceeds xxxMin<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves $xxx or xxxx months PITIA and required is xxxmonths plusxxxmonths forxxxadditonal REOs<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx LTV and MAX LTV is xxxx<br>|
| 409014224 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Provide a xxx or xxx supporting the appraised value | 6.25.2025 Client provided duplicate copy of subject appraisal with value of $xxx dated xxx however initial condition is regarding missing xxx party xxx valuation supporting appraised value. Condition remains xxx Client provided a CU score of xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxscore exceeds xxxMin<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves $xxx or xxxx months PITIA and required is xxxmonths plusxxxmonths forxxxadditonal REOs<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx LTV and MAX LTV is xxxx<br>|
| 409014277 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Borrower currently have a Lease agreement at: xxx which ends xxx (per LOX from borrower and xxx) however missing evidence notice have given to xxx to vacate on xxx OR include monthly payment ($xxx) in DTI, with updated xxx and xxx | 8.15.2025 Client provided Notice to xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV below guideline requirements<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx% below guideline requirement<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in profession, xxxyears<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines, xxx months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxxexceeds guidelines<br>|
| 409014277 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Re-Verifications | Satisfied | C | A | C | A | CRDRVRFC1803 | Debts/Obligations that were not discl at origination revealed through independent re-verification | No | xxx, need to verify borrowers have no xxx in the following xxx (xxx) properties: xxx | 8/8 Client provided property reports showing xxx properties are not xxx by the Borrowers | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV below guideline requirements<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx% below guideline requirement<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in profession, xxxyears<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines, xxx months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxxexceeds guidelines<br>|
| 409014280 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV<br>|
| 409014286 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Final LE xxx is not signed and there is no evidence in file of when it was delivered to borrower. Delivery method defaults to the mailbox rule. | 07/21/25 Client provided the xxx LE package with Tracking that confirms receipt on xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx%DTI below guideline requirement of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx Median FICO >xxx points above guideline program minimum of xxx.<br>|
| 409014286 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Minimum loan is $xxx over xxx loan limit and the subject loan amount is $xxx is below the limit | 7/16 Client provided an approved exception to allow the file with a loan amount of $xxx | xxx final grade is B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx%DTI below guideline requirement of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx Median FICO >xxx points above guideline program minimum of xxx.<br>|
| 409014669 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrowers have xxx months of xxx on current mortgage<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI<br>|
| 409014669 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3646 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | xxx% tolerance in the amount of $xxx as title fees increased without a valid COC in file. Per Final and Post CDs, a Lender Credit in the amount of $xxxwas disclosed; however, an additional $xxxis required. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information.07/17/25 UPDATE: Re-review determines the cure required is $xxx | 07/18/2025 Client provide an email from xxx with their testing of xxx%. Condition remains. Based on the fees in section B and the Borrower choosing the Settlement Agent from the SPL, our xxx% testing remains the additional refund amount of $xxx.07/24/25 Client provided a xxx PCCD with additional cure, $xxxcheck, LOE and tracking. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrowers have xxx months of xxx on current mortgage<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI<br>|
| 409014682 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths.<br>|
| 409014682 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | The hazard insurance policy reflects a dwelling coverage of $xxx; however, the loan amount is $xxx. | 7.2.2025 Client provided xxx estimated replacement cost worksheet | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths.<br>|
| 409014687 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the xxx xxx, we are satisfying to xxx. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxxGuidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxx months or $ xxx = $xxx<br>|
| 409014689 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been in the same residence for xxxyears.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx + REO $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409014689 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation. | No | xxx% tolerance fee in the amount of $xxx due to Recording fees increased on CD xxx without a COC in file to support it. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/25/25 Client provided the xxx Post (xxx) CD with Tracking and Email from Title breaking down the Recording Fee for Continuance and Transfer Taxes. Condition remains. Re-testing still results in a xxx violation of $xxx due to the total increased Recording Fee. The baseline LE Recording total was $xxx. The fee increased to $xxx on the Final xxx CD with no COC in file. This Post (xxx) CD reduced the total fee to $xxx. Without a valid COC for the xxx CD, borrower is due a refund of $xxx, Post CD with tolerance cure, LOE and proof of delivery that includes tracking.06/27/2025 Client provided a Final xxx that does not match the CD xxx. Condition remains. The increase on CD xxx does not have a valid reason. Provide a valid reason for the increase or a PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking information. 06/30/25 Client provided an LOE from the Lender stating xxx was advised by Escrow on 6/3 that a Notice of Continuance would need to be recorded. Fee was disclosed to the borrower one day later on the closing CD. Condition remains. Provide the missing Change documentation from xxx to validate the increased Recording charge. Subject to re-review.07/07/2025 Client provided an LOE for the increase of the Recording fee: No indication that a Notice of Continuation would be needed and recorded until xxx and it was disclosed on xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been in the same residence for xxxyears.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx + REO $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409014893 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score exceed guideline minimum of xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths.<br>|
| 409014893 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Initial CD xxx was emailed to borrower but a prior borrowers e-xxxis missing in file. | 07/09/25 Client provided the missing E-xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score exceed guideline minimum of xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths.<br>|
| 409014893 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Initial disclosures including LE xxx were emailed to borrower but a prior borrowers e-xxxis missing in file. | 07/09/25 Client provided the missing E-xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score exceed guideline minimum of xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths.<br>|
| 409014893 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing evidence borrower xxx property located at xxx Expense not included in DTI. | 7/xxxClient provided the deed showing property xxx | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score exceed guideline minimum of xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths.<br>|
| 409014894 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Low DTI xxx% Guidelines Require xxx %<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxxor xxx months of PITIAGuidelines require xxxmonths or $ xxx X xxx= $ xxx<br>|
| 409014912 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for xxx and xxx years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxxmos. xxx mortgage payment history; xxxxxxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx effective/reserves; $xxx + REOs $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>|
| 409014932 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2550 | Missing HUD-1 from sale of property | No | A xxxd party xxx report shows borrowers still xxx their previous home located at xxx. File is missing a property report, or other documentation verifying this property has been xxx | 7.2.2025 Client provided executed evidence borrowers no longer own xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum allowable LTV of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months of PITI available in reserves; xxx months required.<br>|
| 409014937 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/inxxxdays of application | No | RESPA - List of homeowners counseling organizations is dated xxx; Application Date is xxx - not provided w/in xxx days of application | 07/17/25 Client provided the missing xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITI in reserves.<br>|
| 409014937 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial LE in file was issued on xxx Application Date is xxx (per xxx/xxx xxx) | 07/17/25 Client provided the missing xxx Initial LE and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITI in reserves.<br>|
| 409014937 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | Credit | Insurance | Satisfied | B | A | B | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Final CD disbursement date xxx. Insurance policy start date xxx. Policy start date not to exceed xxx. | 7.14.2025 Client provided updated xxx policy effective date xxx and file had the xxx replacement cost worksheet for policy xxx Insurance | Condition satisfied | Not Applicable | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITI in reserves.<br>|
| 409014941 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxx exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>|
| 409014941 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero tolerance in the amount of $xxx as Inspection Fee was added to CD xxx without a COC in file to support it. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 07/16/25 Client provided a revised xxx COC indicating a Final Inspection Appraisal Fee was added due to xxx was not as far along as borrower thought (the Fee was added to the xx x was completed As-Is. Unable to locate any notation that there was anything left incomplete in the Appraisal Report. Provide supporting documentation to confirm the xxx was not "xxx" at the time of the xxx Appraisal Report.07/18/25 Client provided xxx notes from xxx detailing the xxx requirements with list of items to be completed based on loan type. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxx exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>|
| 409014961 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated xxx. As the fees are at least reflected there is no material issue. This exception is informational per xxx revisions | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxxexceeds guide lines.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx% is below lender's guide line maximum xxx%.<br>|
| 409014961 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero tolerance in amount of $xxx due to added Appraisal xxx fee on CD xxx. COC dated xxx indicates fee was added due to xxx requirement. Loan was locked with xxx on xxx, fee was not disclosed timely. Condition is pending receiving PCD reflecting lenders cure, xxx to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 07/22/2025 Client provided PCCD xxx with cure, copy of cure check, LOE and Shipping label that is not yet picked up by xxx. Condition remains for delivery.07/30/25 Client provided the delivery confirmation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxxexceeds guide lines.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx% is below lender's guide line maximum xxx%.<br>|
| 409014990 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero percent tolerance of $xxx due to increase in appraisal fees on LE xxx with no COC in file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/30/25 Client provided a xxx PCCD, LOE, $xxx refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current primary employer since xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx LTV is xxx below the maximum allowable LTV of xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409014990 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender did not provide an ATR/QM status determination. | 6/25 Client accepts determination of xxx xxx | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current primary employer since xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx LTV is xxx below the maximum allowable LTV of xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409014997 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx LTV is below guideline of xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>|
| 409015084 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated xxx. As the fees are at least reflected there is no material issue. This exception is informational per xxx and xxx revisions. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; xxx max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxxrequired.<br>|
| 409015108 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with xxx Late Payments > xxxMonths<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA Guidelines require xxx months or $ xxx X xxx = $ xxx+xxxMonths for Additional REO or $ xxx xxx= $ xxx<br>|
| 409015118 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Waived | C | B | C | B | CRDAST115 | Cash reserves do not meet guidelines | No | Borrowed funds are not allowed to be used as reserves. Required reserves $xxx; allowed verified reserves $xxx. Short allowed reserves $xxx. Exception required or other source of assets for required reserves. | 7/25 Client provided a Post Close CD xxx showing xxx residence has since sold with cash out proceeds sufficient for reserves; However, post close assets may not be used; Condition remains 7.28.2025 Client provided exception approval for allow for borrowed secured funds (refinance of xxx home) towards reserves and have since provided the Final CD from sale of xxx however is post close dated. | Upon further review byxxx exception is deemed non-material. Exception approved, B Grade with compensating factors: fico score XXXX and with over XXXX years at current residence and over xxxyears profession of employment | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers are very conservative credit users; minimal outstanding debt.<br>|
| 409015148 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA217 | Natural Disaster Area, no subsequent inspection (Individual) | No | No inspection since the xxx Disaster from severe xxx, xxx, and flooding. | 7/xxxClient provided a post disaster inspection showing no damage since the xxx event | Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Borrowerxxxhas been with current employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409015163 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx + REO $xxx\*xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409015163 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero tolerance in the amount of $xxxas a xxx nd Appraisal Fee was added to LE xxx without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 07/23/25 Client provided a xxx COC indicating a xxxnd Appraisal was added per xxx request for xxx guidelines and Loan Amount. Per the Revised xxx LE, the Product changed from the Initial xxx LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx + REO $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409015163 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing lender's income calculation on xxx xxx or equivalent, required for xxx xxx. | 7.15.2025 Client provided Lender income cash flow analysis worksheet | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx + REO $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409015176 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit tradelines in the past xxxmonths.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: xxx months PITI exceed guideline of xxxmonths PITIA plusxxxfor one financed REO<br>|
| 409015179 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide xxx documents referenced on xxx: "xxx guidelines. | 7/xxxClient provided a xxx third party xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Qualifying DTI is < xxx%.<br>|
| 409015181 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | CMPTRID5089 | TRID - Escrow Waiver Fee disclosed in Loan Disclosures but is not contained in Loan Costs and no evidence the fee was charged | No | CD: xxx [Last CD], Section: Loan Disclosures, Field: Escrow Waiver Fee Amount, Value is $xxx; Sum of Sub Sections xxx, Field: Escrow Waiver Fee Amount, Total Value is $xxx. Condition pending corrected PCD and LOX to borrower. | 07/17/25 Client provided a screenshot of the loan pricing adjustments confirming the cost for No Impounds was included in pricing. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been in the same residence for xxx years.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; max xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx effective/reserves; $xxx\*xxx+ REO $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>|
| 409015181 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation. | No | xxx% tolerance in the amount of $xxx as Recording Fee increased on LE xxx without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 07/18/2025 Client provided Funding CD xxx matching Final Settlement Statement with lowered Recording fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been in the same residence for xxx years.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; max xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx effective/reserves; $xxx\*xxx+ REO $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>|
| 409015181 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID5097 | TRID - Escrow Waiver Fee disclosed in Loan Costs Section differs in amount from the amount in Loan Disclosures | No | CD: xxx [Last CD], Section: Loan Disclosures, Field: Escrow Waiver Fee Amount, Value is $xxx; Sum of Sub Sections xxx, Field: Escrow Waiver Fee Amount, Total Value is $xxx. Condition pending corrected PCD and LOX to borrower. | 07/17/25 Client provided a screenshot of the loan pricing adjustments confirming the cost for No Impounds was included in pricing. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been in the same residence for xxx years.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; max xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx effective/reserves; $xxx \*xxx+ REO $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>|
| 409015189 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Insurance | Waived | B | B | B | B | CRDINSR5352 | Flood Effective date is greater than the transaction date | No | Insurance Effective Date xxx is greater than the transaction date of xxx Per final CD disbursement date is xxx Condition Waived | Client provided waiver for hazard insurance not in effect at time of closing, however valid at time of delivery to xxx for purchase review | xxx initial and final grade of B | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxxor xxx months of PITIA.Guidelines require xxxmonths or $ xxxX xxx= $ xxx<br>|
| 409015189 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Insurance | Waived | C | B | C | B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective Date xxx is greater than the transaction date of xxx Per final CD disbursement date is xxx Condition Waived | Client provided waiver for hazard insurance not in effect at time of closing, however valid at time of delivery to xxx for purchase review | xxx initial and final grade of B | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxxor xxx months of PITIA.Guidelines require xxxmonths or $ xxxX xxx= $ xxx<br>|
| 409015193 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>|
| 409015195 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths.<br>|
| 409015195 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing proof of gift funds for $xxx transferred from xxx account to Title. | 8/5 Client provided the xxx for xxx funds $xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths.<br>|
| 409015216 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITI in reserves.<br>|
| 409015224 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrowers have xxx months of xxx on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$xxx or xxx months PITI. xxx months Subject andxxxmonths REO met<br>|
| 409015224 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | xxx shows a $xxx/month xxx Fee. xxx from Borrower in file that there are no xxx fees on property. Provide LOE that the $xxx on the xxx was in error. | 7/23 Client provided an xxx Cert that the $xxx xxx dues on xxx was an Error supporting by xxx | Satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrowers have xxx months of xxx on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months PITI. xxx months Subject and xxx months REO met<br>|
| 409015224 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Provide xxx and xxx for xxx | 7/22 Client provided xxx | Satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrowers have xxx months of xxx on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$xxx or xxx months PITI. xxx months Subject andxxxmonths REO met<br>|
| 409015432 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3646 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | xxx% Tolerance in amount of$xxxdue to increased/added title fees with no valid COC in file. Borrower selected a title provider from xxx and all Title fees along with Recording fee (except Title Lender's Policy fee) are tested for xxx% violation. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 07/16/25 Client provided duplicate copies of the LE's, Initial CD and xxx, along with the following Seller Comment: "xxx. Condition remains. xxx guidance for Treatment of same Provider name on xxx but different address states default approach is to treat as same Provider. Consideration that entities are not the same Provider will require a Lender Attestation or additional supporting documentation to evidence 1) borrower shopped and selected different provider office location, 2) fee variances result from selection of different Provider office.07/25/25 Client provided a xxx PCCD with cure, xxx, refund check and proof of shipment. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITI in reserves.<br>|
| 409015442 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; xxx max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>|
| 409015443 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx.<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths.<br>|
| 409015447 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current primary employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx .xxx available in reserves; $xxx.xxxin reserves required.<br>|
| 409015447 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | File contains a gift letter showing xxxfunds to be provided at closing in the amount of $xxxwhich is also reflected on the Closing Disclosure. However, wire receipts from the xxxto the title company shows total amount of $xxx. This amount is also reflected on the final xxx. A corrected xxxletter and Closing Disclosure with the corrected xxxamount will be required. If the excess amount was refunded back to the xxx, then documentation verifying this may also be provided. | 7/3 Client provided xxxfrom title showing return to xxxof $xxx | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current primary employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx. xxx available in reserves; $xxx xxxin reserves required.<br>|
| 409015447 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | A xxx indicates borrower may xxx an additional property located at xxx. This property is not listed in the xxxsection of the final xxx, and no documentation was provided verifying the status of this property. Documentation verifying the status of this property will be required. If it is owned by the borrower, then verification of the PITI(A) payment will be required and added to the xxx, or if the payment is made by another individual, then xxxmonths cancelled checks will be required. | 6/30 Client provided a property report with and LOX; showing the property is owned by a xxx with similar name and address (xxx) | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current primary employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxxpoints above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx.xxxavailable in reserves; $xxx.xxxin reserves required.<br>|
| 409015447 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | DTI | Waived | D | B | D | B | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Lender used xxx income from xxx for an additional property owned located at xxx. A Transaction History Report provided in the file shows property was transferred to an xxx on xxx File is missing documentation verifying borrowers are the xxx of this xxx and is also missing verification of current property taxes, hazard insurance and HOA dues (if any). | 6/30 Client provided a duplicate transaction history report; Condition remains xxx Client provided an xxxthat They provided a property report showing no sales price when transfered to xxxand have provided xxx showing xxx On review no xxx upload found please re-send and still missing verification of current property taxes, hazard insurance and xxxdues (if any).7/9 Client provided the xxxmatching the home address of the xxx xxx is from xxx and property was transferred to the xxxNote date 6/25; condition remains for updated taxes and insurance 7/9 Client provided an approved exception to allow the file with taxes and insurance documents through xxx | Upon review by xxx Condition is a Non Material B grade; Strong reserves, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current primary employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxxpoints above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xx .xxx available in reserves; $xxx.xxx in reserves required.<br>|
| 409015447 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Waived | D | B | D | B | CRDINC2408 | Income verification does not meet guidelines | No | File is missing additional year personal tax returns (xxx) and additional year xxxtax transcripts verifying xxx is non-taxable as required by client guidelines. | 6/30 Client provided an Email and xxx; Upon review the condition remains, xxxyears tax returns and transcripts are required to verify Non Taxable income. only xxx and transcripts provided 7/8 client provided an Email; upon review file is xxxtoxxx; Condition remains xxxyears tax returns and transcripts are required to verify Non Taxable income. only xxx and transcripts provided7/9 Client provided an approved exception to allow the file without a xxxyear taxes confirming non taxable income | 7/9 Upon review by xxx Downgraded to NON Material B, xxx non taxable verified; Credit score exceeds xxxand strong reserves | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current primary employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxxpoints above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx.xxxavailable in reserves; $xxx.xxxin reserves required.<br>|
| 409015459 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxxrequired.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; xxx max allowed.<br>|
| 409015465 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections xxx are not disclosed on Final CD xxx; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves for $xxx.xxx or xxx months PITI exceed guideline.<br>|
| 409015471 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Legal Documents | Satisfied | B | A | B | A | CRDLGL2550 | Missing HUD-1 from sale of property | No | Missing final CD for sale of xxx xxx per DU | 7/22 Client provided the executed xxx of sale with no contingencies meeting xxx | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx.xxxor xxx months<br>|
| 409015474 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score; xxxrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>|
| 409015474 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero tolerance in amount of $xxxdue to Appraisal increase on CD xxx with no valid reasons documented on COC xxx Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 08/05/25 Client provided a PCCD with cure, LOE, $xxx refund check and proof of delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score; xxxrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>|
| 409015480 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Neither borrower meets the xxx guideline for projected income/employment as they will begin employment within xxx days after note date and correspondence email xxx from employer confirm that offer letter contingencies have not yet been met and will not be completed until closer to the xxx start date. | 7.23.2025 Client provided xxx stating start date is xxx days after Note date. Response, and per guidelines, If the start date is no more than xxx days after the note date:? Loan file must include a contingent free employment offer or contract. Condition remains 7.25.2025 Client provided exception, xxx approved xxx exception for contingent job contract as long as starting within xxx days. Based on start date of xxx and note date of xxx within that time frame | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx LTV; max xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx= $xxx reserves required.<br>|
| 409015480 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx LTV; max xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx= $xxx reserves required.<br>|
| 409015480 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Income/Employment | Waived | D | B | D | B | CRDINC2340 | Employment verification does not meet guidelines | No | Neither borrower meets the xxx guideline for projected income/employment as they will begin employment within xxx days after note date and correspondence email xxx from employer confirm that offer letter contingencies have not yet been met and will not be completed until closer to the xxx start date. | 7.23.2025 Client provided xxx stating start date is xxx days after Note date. Response, and per guidelines, If the start date is no more than xxx days after the note date:? Loan file must include a contingent free employment offer or contract. Condition remains 7.25.2025 Client provided exception, xxx approved xxx exception for contingent job contract as long as starting within xxx days. Based on start date of xxx and note date of xxx within that time frame | Upon further review by xxx exception is deemed non-material. Exception is approved, B Grade with compensating factors: fico score XXXX with DTI XXXX% and verified reserves of XXXX months | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx LTV; max xxx.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx= $xxx reserves required.<br>|
| 409015488 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx exceeds guideline required credit score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified post close reserves at $xxx, or xxx months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxx% is below guideline requirement of xxx%.<br>|
| 409015488 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | CMPTRID5089 | TRID - Escrow Waiver Fee disclosed in Loan Disclosures but is not contained in Loan Costs and no evidence the fee was charged | No | Escrow Waiver Fee of $xxx disclosed in Loan Disclosures but is not contained in Loan Costs and no evidence the fee was charged. | 07/18/2025 Client provided a screen print of the pricing adjustment reflecting No escrows x xx and matching the amount on page xxx loan disclosures. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx exceeds guideline required credit score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified post close reserves at $xxx, or xxx months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxx% is below guideline requirement of xxx%.<br>|
| 409015488 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID5097 | TRID - Escrow Waiver Fee disclosed in Loan Costs Section differs in amount from the amount in Loan Disclosures | No | CD: xxx, Section: Loan Disclosures, Field: Escrow Waiver Fee Amount, Value is $xxxSection: Loan Costs, Sum of Sub Sections x, Field:xx Escrow Waiver Fee Amount, Total Value is $xxx | 07/18/2025 Client provided a screen print of the pricing adjustment reflecting No escrows xxx and matching the amount on page xxx loan disclosures. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx exceeds guideline required credit score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified post close reserves at $xxx, or xxx months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxx% is below guideline requirement of xxx%.<br>|
| 409015495 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > xxxMonths<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA Guidelines require xxxmonths or $ xxx X xxx= $ xxx+xxx Months for Additional REO or $ xxx Xxxx= $ xxx<br>|
| 409015500 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR119 | Appraisal documentation does not support occupancy | No | Occupancy is xxx, refinance is to payoff xxx. | 7/xxxclient provided a revised appraisal showing xxx | Satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score exceed guideline minimum of xxx<br>|
| 409015509 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for xxxand xxxyears.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx + REO xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqual score; min xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: xxx. xxx mortgage payment history; xxxxxxxrequired.<br>|
| 409015509 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APRxxxbusiness days prior to closing by more than allowable tolerance | No | Initial CD:xxx APR Stated as xxx%, Final CD:xxx APR Stated as xxx%, difference of xxx%, exceeds tolerance of xxx%.Per disclosure tracking and COC xxxin file, a second CD was issued on xxx with increased interest rate but is missing in file. Condition is pending receiving CD xxx with interest rate of xxx% for further testing. | 07/11/25 Client provided the missing Revised xxx CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for xxxand xxxyears.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx + REO $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqual score; min xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: xxx. xxx mortgage payment history; xxxxxxxrequired.<br>|
| 409015509 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero percent tolerance in amount of $xxxdue to added Rush Fee on LE xxx without valid COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 07/21/2025 Client provided PCCD xxx with cure, copy of cure check, LOE and an In xxx shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for xxxand xxxyears.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx+ REO $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: xxxmo. xxx mortgage payment history; xxxxxxxrequired.<br>|
| 409015509 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing lender's income calculation for xxx used to qualify; worksheet or xxx with income calculation required by xxx Program and xxxcomment does not sum xxxused to qualify. | 7.7.2025 Client provided copy of lender income calculation for both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for xxxand xxxyears.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx + REO $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqual score; min xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: xxx. xxx mortgage payment history; xxxxxxxrequired.<br>|
| 409015511 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is below guideline maximum of 65%.<br>|
| 409015514 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months of PITIA available in reserves; xxx months required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409015514 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | 1) File is missing a copy of the xxxcheck and deposit slip verifying deposit of $xxx into borrower's account on xxx was from the xxx. These funds were used for the xxx.2) Final xxxindicates borrower is selling his xxxresidence and using the proceeds from this sale of $xxxfor the subject loan closing. File is missing the final, fully executed settlement statement/Closing Disclosure verifying these funds. | 7.23.2025 Client provided executed CD from sale of property: xxx with payoff of existing liens (xxx) and borrower netting $xxx and provided cashier check for xxx and xxx statement however did not address the $xxx deposited into xxx however xxx letter in file supports $xxx given or can be backed out, still would have sufficient reserves. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months of PITIA available in reserves; xxx months required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409015514 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Insurance | Waived | B | B | B | B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Loan disbursed on xxx. Hazard insurance not effective until xxx | Client provided exception approval for Effective date is greater than the transaction date | xxx final grade B | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months of PITIA available in reserves; xxx months required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409015514 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2550 | Missing HUD-1 from sale of property | No | Final xxxindicates borrower has xxxhis departure residence. File is missing the final, fully executed settlement statement/Closing Disclosure verifying xxx mortgages reported on credit have been paid off. | 7.23.2025 Client provided executed CD from sale of property: xxx with payoff of existing liens xxx and borrower netting $xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months of PITIA available in reserves; xxx months required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409015520 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3036 | Assets reflect unsourced deposits | No | File is missing the xxx agreement and settlement statement for new xxx mortgage on the xxx residence verifying source of funds for deposit of $xxx on xxx into borrower's account. | 7/23 Client provided evidence of xxx disbursement; still missing loan terms 7/xxxClient asked for a review; Upon review the disbursement is missing the amortization, or indication if interest only, required for payment calculation; Condition remains7/29 Client provided the xxx Terms | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxx in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409015529 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LE and CD e-signed by both borrowers; however, there is no prior xxx consent in file for borrower xxx; by regulation, xxx disclosures must be treated as not delivered. Provide xxx for all borrowers. | 07/09/25 Client provided the xxx E-Consents for both parties. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx Median FICO >xxx points above guideline program minimum of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITI in reserves.<br>|
| 409015536 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxscore with xxx min<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx yearsxxxmonths on job<br>|
| 409015537 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with xxx Late Payments > xxxMonths<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA.Guidelines require xxx months or $ xxx X xxx= $ xxx<br>|
| 409015538 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx LTV is xxx% below the maximum allowable LTV of xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxx in reserves required.<br>|
| 409015538 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation. | No | xxx% tolerance in the amount of $xxx due to recording fees increased on LE xxx without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, xxx, a copy of refund and proof of delivery via shipping that includes tracking information. | 08/01/2025 Client provided PCCD xxx with cure, copy of cure check, xxx and shipping label in created status. Condition remains for delivery. 08/04/2025 Review of xxx package reflects delivered xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx LTV is xxx% below the maximum allowable LTV of xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is 1xxxpoints above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxx in reserves required.<br>|
| 409015538 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | File is missing a copy of the current hazard insurance policy for the borrowers' departure residence verifying premium amount of no more than $xxx per month. | 7.18.2025 Client provided xxx for xxx home supporting monthly $xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx LTV is xxx% below the maximum allowable LTV of xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxxpoints above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxx in reserves required.<br>|
| 409015550 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx.xxx months of PITIAGuidelines require xxxmonths or $ xxx xxx= $ xxx+xxxMonths for Additional REO or $ xxx Xxxx= $ xxx<br>|
| 409015550 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Insurance | Waived | B | B | B | B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective Date xxx is greater than the transaction date of xxx Per final CD disbursement date is xxx Condition Canceled | Client provided waiver for hazard insurance not in effect at time of closing, however valid at time of delivery to xxx for purchase review | xxx initial and final grade of B | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxxmonths of PITIA Guidelines require xxxmonths or $ xxx xxx= $ xxx+xxxMonths for Additional REO or $ xxx Xxxx= $ xxx<br>|
| 409015565 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | File is missing xxx statements or xxx letter verifying xxx interest is less than xxx% for xxx entity listed on lines xxx from attached statement for page xxx of xxx If xxx interest is xxx% or more then prior xxx years xxx tax returns and a YTD P&L statement will be required. If xxx has been in existence for xxx years or more then xxx year of xxx tax returns may be provided. | 7.17.2025 Client provided evidence xxx 12.1.2023 with Note date xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrowers have been xxx with current xxx since xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum DTI allowed by exception approval of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; minimum $xxx in reserves required by exception approval.<br>|
| 409015565 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Cash out proceeds of $xxx exceeds the maximum allowed cash out of $xxx. | 7.28.2025 Client provided exception approval for cash out proceeds of $xxx exceeding guidelines maximum of $xxx | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrowers have been xxx with current xxx since xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum DTI allowed by exception approval of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; minimum $xxx in reserves required by exception approval.<br>|
| 409015568 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fee that should be disclosed in Section F is not disclosed on Final CD xxx; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx% below guideline requirement<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job, xxxyears<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>|
| 409015572 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR100 | Missing Appraisal | No | Missing complete appraisal with all attachments and photos. | 7/17 client provided the appraisal | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxx exceeds guide lines.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been living at current residence for xxx years.<br>|
| 409015574 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the xxx xxx, we are satisfying to xxx | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxxyears.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx.xxxreserves; $xxx + REO $xxx= $xxx.xxxreserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409015578 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Lender used monthly insurance, taxes, association dues, etc. of $xxxto qualify for borrowers' retained xxx residence. Documentation provided in the file verified additional expenses of $xxx per month. File is missing documentation verifying the additional monthly expenses of $xxx. | 7.30.2025 Client provided xxx from Lender stating the total verified in file is $xxx and should have been used. | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxx in reserves required.<br>|
| 409015579 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | B | A | C | A | D | A | D | B | B | A | C | B | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per tracking documentation and COC in file, a revised LE xxx was issued for the rate lock but is missing. Per tracking Summary in file, a Post CD was issued on xxx but is missing in file. | 08/01/2025 Client provided missing LE xxx with duplicate COC xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower is a very conservative credit user; minimal outstanding debt.<br>|
| 409015579 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | B | A | C | A | D | A | D | B | B | A | C | B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower is a very conservative credit user; minimal outstanding debt.<br>|
| 409015579 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | B | A | C | A | D | A | D | B | B | A | C | B | D | A | Credit | DTI | Satisfied | B | A | B | A | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Lender did not include Borrower's existing home financed with xxx in xxx. With mortgage debt DTI xxxx%; maximum DTI allowed xxxx%. | 7/28 Client provided a xxx for xxx with xxx month payment | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower is a very conservative credit user; minimal outstanding debt.<br>|
| 409015579 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | B | A | C | A | D | A | D | B | B | A | C | B | D | A | Property Valuations | Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported | No | File includes required xxx supporting sales price $xxx | (No Data) | Satisfied | Not Applicable | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower is a very conservative credit user; minimal outstanding debt.<br>|
| 409015597 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing xxx return | 7/23 Client provided required items | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx for xxx months<br>|
| 409015597 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | 1.xxx. Provide cash flow analysis and asset access authorization from the additional business owners for the following business accounts:a. xxx2. Provide cash flow analysis and proof of Borrower's xxx in below business account:a. xxxSubject to asset reserves recalc and may be subject to additional conditions. | 7/23 Client provided the xxx% access letter; still missing a xxx month cash flow analysis of the xxxaccounts by the xxxshowing no negative impact to the xxxfor use of funds 7/28 Client provided the cash flow analysis | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx for xxx months<br>|
| 409015597 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide below forxxx. My be subject to additional conditions upon review.xxx or xxx The most recent xxx should be used based on application date. Instructions per xxx or Form xxx must be followed.? Copy of xxx analysis must be included in the loan file if the income analysis includes income from boxes xxx on the xxx that is greater than distributions indicated on the xxx.? If a liquidity analysis is required and the borrower is using xxx funds for down payment or closing costs, the liquidity analysis must consider the reduction of those assets | 6/25 Client provided the xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx for xxx months<br>|
| 409015597 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | xxxPlease provide executed xxx, all pages.Subject to full income recalc and may be subject to additional conditions upon review. | 7/23 Client provided signed xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx for xxx months<br>|
| 409015604 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | 1. Missing borrower letter of explanation or other satisfactory documentation to support no xxx expense for xxx as qualified with.2. Missing documentation to support xxx moving average for xxx used to qualify. xxx printout provided does not reflects the xxx moving average. | 7/xxxClient provided an undated xxx moving avg; provided the xxx moving average dated prior to close supporting $xxx used to qualify 7/25 Client provided xxx no xxx dues on xxx moving avg post close dated xxx; condition remains to provide the xxx moving average used to qualify prior to close7.28.2025 Client provided (duplicate previously provided) xxx which is post close dated, prior condition remains 8.1.2025 Client provided xxx of xxx along with xxx regarding calculation. Monthly xxx income used for qualifying is supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx years xxx months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $xxx exceed required reserves $xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score xxx above program requirement xxx<br>|
| 409015604 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx years xxx months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $xxx exceed required reserves $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score xxx above program requirement xxx<br>|
| 409015604 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at leastxxxbusiness days prior to closing | No | Unable to test a loan product due to missing Loan Estimates/initial CD. | 07/23/25 Client provided the missing Initial CD and Revised CD. Exception auto-Satisfied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx years xxx months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $xxx exceed required reserves $xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score xxx above program requirement xxx<br>|
| 409015604 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Missing Loan Estimates and Initial Closing Disclosure. Provide missing disclosures. | 07/23/25 Client provided an LE and xxx CD's. Condition remains. The LE belongs to a different Borrower/Property. Provide the subject property Initial LE for further testing.07/25/25 Client provided the missing LE. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx years xxx months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $xxx exceed required reserves $xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score xxx above program requirement xxx<br>|
| 409015604 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation. | No | Missing Loan Estimates and Initial Closing Disclosure. Provide missing disclosures. | 07/23/25 Client provided an LE and xxx CD's. Condition remains. The LE belongs to a different Borrower/Property. Provide the subject property Initial LE for further testing.07/25/25 Client provided the missing LE. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx years xxx months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $xxx exceed required reserves $xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score xxx above program requirement xxx<br>|
| 409015604 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID3494 | TRID - Loan Estimate Missing | No | Missing Loan Estimate. Provide all Loan Estimates. | 07/23/25 Client provided an LE, however the LE belongs to a different Borrower/Property. Provide the subject property LE(s) for further testing.07/25/25 Client provided the missing xxx LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx years xxx months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $xxxx exceed required reserves $xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score xxx above program requirement xxx<br>|
| 409015604 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing borrower letter of explanation or other satisfactory documentation to support no xxx expense for xxx as qualified with. | 7/xxxClient provided Borrower xxx no xxx dues | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx years xxx months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $xxx exceed required reserves $xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score xxx above program requirement xxx<br>|
| 409015604 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing documentation to support xxx day moving average for xxx used to qualify. xxx printout provided does not reflects the xxx moving average. Per xxx | 7/xxxClient provided an undated xxx moving avg; provided the xxx moving average dated prior to close supporting $xxx used to qualify 7/25 Client provided xxx no xxx dues on xxx moving avg post close dated xxx; condition remains to provide the xxx moving average used to qualify prior to close7.28.2025 Client provided (duplicate previously provided) xxx which is post close dated, prior condition remains 8.1.2025 Client provided xxx of xxx along with xxx regarding calculation. Monthly xxx income used for qualifying is supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx years xxx months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $xxx exceed required reserves $xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score xxx above program requirement xxx<br>|
| 409015608 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | File is missing the following documentation for 2 additional properties xxx:1) An updated current hazard insurance policy verifying premium amount, verification of annual property tax amount and xxx dues statement for property located at xxx. Hazard insurance policy provided in the file indicates the premium amount is estimated; a print-out provided in the file for a tax payment receipt does not verify the full annual amount and does not identify the property address; a print-out for the xxx dues does not identify the property address.2) Tax and insurance documentation verifying total monthly amount for property located at xxx. A mortgage statement provided in the file shows monthly escrow payment of $xxx which appears to be insufficient to cover to the total monthly tax and insurance payments. | 7/xxxClient provided supporting document for PITIA on both xxx | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $xxx available in reserves; $xxx in reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>|
| 409015615 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B2 has been in the same profession for xxx years<br>|
| 409015615 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide xxx for xxx for $xxx/month as stated on xxx | 7/xxxClient provided insurance bill $xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B2 has been in the same profession for xxx years<br>|
| 409015615 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide dated xxx letter for xxx income dated within xxx calendar days prior to the Note date. | 7/xxxclient provided a xxx from xxx with attached Email from xxx dated xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B2 has been in the same profession for xxx years<br>|
| 409015622 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months<br>|
| 409015624 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxxYears in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxx months or $ xxx X xxx = $ xxx<br>|
| 409015625 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at leastxxxbusiness days prior to closing | No | File is missing the confirmation of receipt, for the Initial xxx CD, by the xxxrd title holder (xxx). None of the copies in file are signed by them, and per the Tracking, the CD was Sent to them on xxx via xxx(not xxx). To ensure the waiting period was met, provide the missing xxx CD confirmation of receipt for xxx Additional conditions may apply. | 07/16/25 Client provided the hand-signed copy of the Initial CD confirming receipt by xxx on xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co borrower at current employment xxx years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx%<br>|
| 409015625 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | File is missing the confirmation of receipt, for the Initial xxx CD, by the xxxrd title holder (xxx). None of the copies in file are signed by them, and per the Tracking, the CD was Sent to them on xxx via xxx(not xxx). To ensure the waiting period was met, provide the missing xxx CD confirmation of receipt for xxx Additional conditions may apply. | 07/16/25 Client provided the hand-signed copy of the Initial CD confirming receipt by xxx on xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co borrower at current employment xxx years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx%<br>|
| 409015643 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections xxx are not disclosed on Final CD xxx; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score<br>|
| 409015646 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx + $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxxmo. xxx mortgage payment history; xxxxxxxrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409015648 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per xxxand xxx tracking in file, a revised LE xxx was issued but is missing. Provide missing LE and applicable COC for further testing. | 07/11/25 Client provided the missing xxx LE package. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx; total reserves required $xxx<br>|
| 409015648 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx; total reserves required $xxx<br>|
| 409015664 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA. Guidelines require xxx months or $ xxx X xxx = $ xxx+xxx Months for Additional REO or $xxx Xxxx= $ xxx<br>|
| 409015668 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sectionsxxx are not disclosed on Final CD xxx Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx LTV is xxx below the maximum allowable LTV of xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx.xxx available in reserves; $xxx in reserves required.<br>|
| 409015669 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | xxx e-sign tracking in file, LE dated xxx was issued and received by borrower but is missing. | 08/01/25 Client provided the missing xxx LE and xxx COC. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with xxx Late Payments > xxxMonths<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxxmonths or $ xxx X xxx= $ xxx<br>|
| 409015669 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero tolerance in amount of $xxx due to removed Lender's credit on final CD xxx with no valid reasons documented on COC xxx Updated Rate Lock / extension is missing in file to confirm why credit was removed. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 08/01/25 Client provided the xxx xxx, lock history screen and pricing sheet showing the pricing hit (removed lender credit) for waiving escrows. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with xxx Late Payments > xxxMonths<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxxmonths or $ xxx X xxx= $ xxx<br>|
| 409015677 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing a final/executed settlement statement/CD for the xxx residence to verify cash required to close and reserves; xxx provided is estimated and purchase of subject is contingent upon sale of xxx. | 7.8.2025 Client provided executed Seller CD from sale of xxx home: xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; max xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxxmo. xxx mortgage payment history; xxxxxxxrequired.<br>|
| 409015677 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing lender's Income calculation worksheet or xxx with income calculation. | 7.23.2025 Client provided lender xxx with income calculation | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; max xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx mo. xxx mortgage payment history; xxxxxxxrequired.<br>|
| 409015681 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxx exceeds guide lines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx mortgage payment history exceeds guide lines.<br>|
| 409015682 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score; xxxrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx.xxxmonths PITI; $xxx or xxxmonths required.<br>|
| 409015682 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | File is missing borrower's confirmation receiving initial CD xxx min xxx days prior to consummation date of xxx | 07/17/25 Client provided the Initial CD Tracking confirming receipt on xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score; xxxrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx.xxxmonths PITI; $xxx or xxxmonths required.<br>|
| 409015683 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with xxx years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxx exceeds guide lines.<br>|
| 409015684 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Borrower's Interest | Satisfied | D | A | D | A | CMPBI1179 | MD DLLR - NTB Worksheet not in file | No | Missing xxx Worksheet | 08/01/2025 Client provided missing xxx Worksheet dated xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% qualifying DTI<br>|
| 409015684 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | CMPSTCP2129 | XXXX Counseling Notice not in file | No | Missing xxx xxx Notice | 08/01/2025 Client provided missing xxx xxx Notice dated xxx | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% qualifying DTI<br>|
| 409015685 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the xxx xxx, we are satisfying to xxx. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% qualifying DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>|
| 409015687 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing VOEs for both borrowers. | 8.11.2025 Client provided 3rd party xxx VVOE for both borrowers xxx employment xxx dated xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx; total reserves required $xxx.<br>|
| 409015690 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per COC xxx, Revised LE missing. | 07/18/25 Client provided the xxx LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers mid credit score of xxx exceeds guidelines minimum score of xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline max LTV of xxx.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence (subject) for xxxyears.<br>|
| 409015690 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing lenders Income Calculation Worksheet. | 7/23 Client provided the income xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers mid credit score of xxx exceeds guidelines minimum score of xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline max LTV of xxx.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence (subject) for xxxyears.<br>|
| 409015690 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing xxx CU Score in file xxx guidelines requires xxx and below. | 7/22 Client provided a xxx supporting the appraised value with a xxx% variance | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers mid credit score of xxx exceeds guidelines minimum score of xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline max LTV of xxx.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence (subject) for xxxyears.<br>|
| 409015692 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the xxx xxx Grid, we are satisfying to xxx. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx; total reserves required $xxx.<br>|
| 409015698 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrowers have xxx on current and previous mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score<br>|
| 409015699 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; xxx max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx; $xxx required.<br>|
| 409015701 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Provide xxx. Lender used xxx and xxx for income. | 7/25 Client provided xxx and xxx | Satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrower has xxx months of xxx on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score<br>|
| 409015705 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have xxx years xxx months at current residence.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage history reports xxx mos. xxx and xxx mos. xxx and xxxmos. xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $xxx exceeds guideline requirement xxx.<br>|
| 409015726 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of complete xxx return, and xxx | 8.6.2025 Client provided full completed copy of xxx for both borrowers, work for same xxx (xxx% and xxx% xxx) and provided cash flow income analysis worksheet with income calculation and provided evidence of monthly HOA | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Qualifying DTI < xxx%<br>|
| 409015726 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Qualifying DTI < xxx%<br>|
| 409015726 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero tolerance in the amount of $xxx as Appraisal xxx without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 08/07/2025 Client provided duplicate COC dated xxx reflecting xxx required. The Lock date for the xxx xxx. Timing was not met for the addition of the xxx fee being on xxx Condition remains. Provide a further explanation of fee entered after required xxx days for review or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 08/13/25 Client provided an LOE from Seller with screenshot showing the xxx xxx Report and explanation that the xxx was required due to the CU Score over xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Qualifying DTI < xxx%<br>|
| 409015726 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide documentation reflecting monthly HOA for xxx xxx REO.Subject to DTI recalc and may be subject to additional conditions upon review. | 8.6.2025 Client provided evidence of monthly HOA of $xxx for xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Qualifying DTI < xxx%<br>|
| 409015726 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Provide full xxx, all pages / schedules. The Return in file is incomplete.Subject to full income recalc for both Borrowers, and may be subject to additional conditions upon review. | 8.6.2025 Client provided full completed copy of xxx for both borrowers, work for same xxx (xxx% and xxx% ownership) and provided cash flow income analysis worksheet with income calculation | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Qualifying DTI < xxx%<br>|
| 409015726 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Per guidelines, please provide below for B1 and B2 xxx:"Income calculation worksheet or xxx with income calculation. The xxx xxx, or xxx or equivalent is required for xxx analysis. The most recent Form xxx or Form xxx should be used based on application date. Instructions per Form xxx or Form xxx must be followed.? Copy of liquidity analysis must be included in the loan file if the income analysis includes income from boxes xxx on the xxx that is greater than distributions indicated on the xxx.? If a liquidity analysis is required and the borrower is using business funds for down payment or closing costs, the liquidity analysis must consider the reduction of those assets" | 8.6.2025 Client provided full completed copy of xxx for both borrowers, work for same xxx (xxx% and xxx% xxx) and provided cash flow income analysis worksheet with income calculation | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Qualifying DTI < xxx%<br>|
| 409015726 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing pages xxx of subject's purchase xxx; please provide.May be subject to additional conditions upon review. | 8.6.2025 Client provided pages xxx of subject purchase xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Qualifying DTI < xxx%<br>|
| 409015728 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx LTV is xxx below the maximum allowable LTV of xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months of PITI available in reserves; xxx months required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409015734 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx xxx and xxx revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx is below guideline max LTV of xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline required credit score of xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx for xxx years with several income sources.<br>|
| 409015738 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections xxx are not disclosed on Final CD xxx; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxxrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx; total reserves required $xxx.<br>|
| 409015738 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | File is missing the borrower's personal tax returns. | 7/25 Client provided xxx supporting qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxxrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx; total reserves required $xxx.<br>|
| 409015739 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>|
| 409015740 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing verification of the existence of borrowers xxx to be verified through a xxx and be no more than xxx calendar days prior to the Note date xxx. xxx verification can be from a xxx, regulatory xxx or applicable licensing xxx. A borrowers website is not acceptable xxx | 8/7 Client provided a post closed xxx VOE dated xxx; | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; max xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx effective/reserves; $xxx + REOs $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>|
| 409015740 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL100 | Potential title issue | No | Provide sufficient evidence that lien on title to xxx at xxx has been released. Title evidence for this lien reflects "a release not submittedthrough the xxx may not be considered valid under xxx." | 8.15.2025 Client provided executed evidence of Full release of Deed of Trust w/xxx and recorded | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; max xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx effective/reserves; $xxx + REOs $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>|
| 409015740 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete | No | Missing updated title reflecting correct loan amount to be insured; title commitment provided reflects proposed amount $xxx when subject loan amount is $xxx. | 8.12.2025 Client provided updated Title comittment | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; max xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx effective/reserves; $xxx + REOs $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>|
| 409015757 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx\*xxx+ $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqual score; min xxx<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxxmos. xxx mortgage payment history; xxxxxxxrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409015763 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with xxx Late Payments > xxxMonths<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxxmonths or $ xxx X xxx= $ xxx<br>|
| 409015763 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing xxx as required for xxx xxx | 7.21.2025 Client provided updated lock switching program to xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with xxx Late Payments > xxxMonths<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIAGuidelines require xxxmonths or $ xxxX xxx= $ xxx<br>|
| 409015765 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated xxx As the fees are at least reflected there is no material issue. This exception is informational per xxx and xxx revisions. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxxYears in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA.Guidelines require xxxmonths or $ xxx X xxx= $ xxx<br>|
| 409015769 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds minimum guideline credit score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx or xxx months PITIA for both properties xxx.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have xxx years at departure residence.<br>|
| 409015769 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing income calculation worksheet for xxx. | 8/5 Client provided an income xxx for xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds minimum guideline credit score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx or xxx months PITIA for both properties xxx.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have xxx years at departure residence.<br>|
| 409015771 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | File is missing verification of insurance, xxx dues (if applicable)/other expenses for additional property owned located at xxx Lender used monthly insurance,xx taxes, etc. of $xxx to qualify. Property tax documentation verified monthly amount of $xxx File is missing documentation verifying additional monthly expenses of $xxx | 7/29 Client provided xxx dues supporting $xxx | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx with current xxx since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxx in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409015773 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxx in reserves required.<br>|
| 409015773 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | DTI | Satisfied | B | A | B | A | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Recalculated bonus income resulted in DTI of xxxx% which exceeds the maximum allowable DTI of xxxx%. Lender used bonus income of $xxx/month to qualify. Recalculated bonus income was $xxx/month. A xxx decree provided in the file indicates borrower is required to pay additional "xxx" spousal support payments of xxx% of any gross bonus income received from the borrower's employer which will be paid by payroll deduction and will continue until xxx support terminates by xxx of either party, xxx remarriage, or xxx registration as a xxx, whichever xxx occurs. Lender included base xxx support of $xxx per month in the debts which has the same requirements for termination as the additional spousal support payments. If borrower is no longer required to pay the additional spousal support, then documentation verifying the termination will be required. | 7.28.2025 Client provided Lender updated xxx and xxx guidelines regarding can have the option to include xxx away from income or a xxx and appraiser lender is using full income and considering $xxx away from income vs as a xxx for updated DTI xxxx% however condition remains for updated DU to support the same as the updated xxxsubmission.7.30.2025 Client provided updated DU Submission xxx however the -$xxx was input as other non-employment income however should be input as to what type of income or xxx this is, should reflect as xxx. Condition remains for updated DU findings reflecting $xxx xxx as xxx for accurate input and DU identifying what this $xxx is. 8/8 Client provided duplicate xxx unchanged; Condition remains for updated DU findings reflecting $xxx xxx as xxx for accurate input and DU identifying what this $xxx is. 8.14.2025 Client provided updated DU (xxx) with considering -$xxx xxx being taken from income vs debt | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxx in reserves required.<br>|
| 409015797 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx CLTV below guideline requirements of xxx per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>|
| 409015797 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Borrower short funds to close with a shortfall amount of ($xxx). xxx accounts in file not liquid and unable to liquidation of accounts. | 7/21 Client provided Email that xxx funds were not needed as xxx account was used; Response, xxx calculation includes the xxx accounts; Condition remains 7.31.2025 Client provided xxx statements, sufficient liquid funds to close have been met | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx CLTV below guideline requirements of xxx per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>|
| 409015797 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Hazard Insurance coverage is insufficient; acceptable coverage required. | 7/21 Client provided replacement cost estimate showing sufficient coverage | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx CLTV below guideline requirements of xxx per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>|
| 409015798 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409015799 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | A | A | A | C | B | C | B | B | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | File is missing a co-borrower confirmation receiving initial CD xxx min xxx day prior to closing date xxx Disclosure was not e-signed and xxx tracking in file dated xxx only shows xxx borrower's receipt. Condition is pending receiving borrower's confirmation of receipt. | 07/30/25 Client provided the hand signed copy of the Initial xxx for the Co-Borrower. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>|
| 409015799 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | A | A | A | C | B | C | B | B | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero tolerance in amount of $xxx due to increase in Appraisal fee on LE xxx with no valid reasons documented on COC xxx. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 08/05/25 Client provided a xxx PCCD with cure, xxx, $xxx refund check and proof of delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>|
| 409015799 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | A | A | A | C | B | C | B | B | A | A | A | C | B | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2488 | Verbal verification of employment missing | No | Missing 3rd party verification for xxx xxx | 8/5 Client provided a xxx with xxx | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>|
| 409015799 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | A | A | A | C | B | C | B | B | A | A | A | C | B | Credit | Title | Satisfied | B | A | B | A | CRDTILxxx | Missing Title | No | Missing title | 7/25 Client provided the title | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>|
| 409015846 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing xxx and undisclosed xxx disposition | 7/22 client provided xxx and xxx taxes | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: xxx years same line of work<br>|
| 409015846 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Application | Satisfied | C | A | C | A | CRDAPP1813 | Undisclosed non-arm's length transaction | No | xxxBorrower's Non Signing xxx is the xxx for the xxx xxx | 7/xxxClient provided a revised PCCD indicating a xxx working for xxx represented the transaction | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: xxx years same line of work<br>|
| 409015846 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Provide sources for the following deposits in xxx. Subject to asset / reserves recalc and xxx be subject to additional conditions upon review,1.xxx2.xxx | 7/29 Client provided supporting docs for transfer to xxx from xxx Still missing supporting documents for xxx deposit on xxx7/29 Client asked for a review; upon review the xxx with withdrawn / returned on xxx and xxx on xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: xxx years same line of work<br>|
| 409015846 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Provide sufficient documentation supporting exclusion of xxx), from xxx, and DTI calc. May be subject to additional conditions upon review. | 7/22 Client provided revised xxx and property report supporting land only and added taxes to xxx on xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: xxx years same line of work<br>|
| 409015846 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | xxx are not executed; please provide. | 7.25.2025 Client provided copy of xxx xxx xxx returns signed dated by borrower | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: xxx years same line of work<br>|
| 409015846 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3258 | Missing Profit and Loss statement for one or more xxx borrowers | No | Provide executed PL for xxx and YTD xxx.Subject to income recalc and may be subject to additional conditions upon review. | 7/23 Client provided the xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: xxx years same line of work<br>|
| 409015848 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD xxx Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrower has xxxmonths of xxx on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months PITI<br>|
| 409015850 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxxrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxxmonths required.<br>|
| 409015860 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA Guidelines require xxx months or $ xxx X xxx = $ xxx+xxxMonths for Additional REO or $ xxx Xxxx= $ xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower Has Good Mortgage payment history with xxx Late Payments > xxx Months<br>|
| 409015868 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections xxx are not disclosed on Final CD xxx; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxxGuidelines allow xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > xxxMonths<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower Has Good Mortgage payment history with xxx Late Payments > xxx Months<br>|
| 409015868 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Insurance | Waived | B | B | B | B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective Date xxx is greater than the transaction date of xxx Per final CD disbursement date is xxx Condition Waived | Client provided waiver for hazard insurance not in effect at time of closing, however valid at time of delivery to xxx for purchase review | xxx initial and final grade of B | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxxGuidelines allow xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with xxx Late Payments > xxxMonths<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower Has Good Mortgage payment history with xxx Late Payments > xxx Months<br>|
| 409015870 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD . | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>|
| 409015872 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx years at job<br>|
| 409015888 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months PITI. $xxx required<br>|
| 409015892 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx for xxx months<br>|
| 409015892 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Page xxx combined file reflects xxxSubject Note date is xxx.Provide:a. Sufficient documentation reflecting date paid / cleared (statement shows pending and no date)b. Provide asset source of the xxx and xxx paymentsLender excluded this xxx obligation, based on it being paid in full.Subject to DTI and asset recalcs and may be subject to additional conditions upon review. | 7/21 Client provided evidence the xxx was paid in full by xxx same as funding date | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx for xxx months<br>|
| 409015892 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | B1 xxx in file does not meet all of below requirements. Provide updated xxx meeting guidelines, may be subject to additional conditions upon review.Guides:Verification of Employment Requirements:Requirements below apply when income is positive and included in qualifying income:? xxx must be performed no more than xxx xxx days prior to the xxx? The xxx should include the following information for the borrower:o xxxo Name and title of person contacting the xxxo Name of xxxo Start date of xxxo Employment xxx and job xxxo Name , phone #, and title of contact person at xxxo Independent source used to obtain employer xxx | 7/21 Client provided the xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx for xxx months<br>|
| 409015892 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide xxx Extension. May be subject to additional conditions upon review. | 7/21 Client provided the xxx extension | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx for xxx months<br>|
| 409015892 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Page xxx combined file reflects the following inquiries on xxxxxxProvide executed Borrower LOE for each inquiry.If new xxx opened - provide statement for the debt(s)If inquiries were a refresh / supplement for the subject loan; provide the xxx refresh / supplements.Subject to DTI recalc and may be subject to additional conditions upon review. | 7/xxxClient provided the inquiry letter from Bwr | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx for xxx months<br>|
| 409015892 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR4789 | Appraisal Deficiency | No | Appraiser to correct / address the following discrepancy:xxx xxx however xxx per addendum.May be subject to additional conditions upon review. | 7/15 Client provided a revised appraisal showing xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx for xxx months<br>|
| 409015902 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. | (No Data) | Condition Satisfied. All Seller fees located on Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx,xxx or xxx months<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>|
| 409015902 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero Tolerance testing failed by $xxx due to the increased Appraisal Fee and added xxx Fee. Appraisal Fee increased on the Revised xxx LE, however the xxx COC did not provide a valid change in circumstance reason. The xxx Fee was added on the Revised xxx LE, however the xxx COC did not provide a valid change in circumstance reason. Borrower is due a refund of $xxx, PCCD with tolerance cure, LOE and proof of delivery that includes tracking information. | 07/24/25 Client provided another xxx COC with more details validating the Appraisal Fee increase. Re-testing still results in a Zero Tolerance violation of $xxx for the added xxx Fee on the xxx LE. COC in file does not provide a valid change in circumstance reason. Borrower is due a refund of $xxx PCCD with tolerance cure, LOE and proof of delivery that includes tracking information. xxx Client provided a revised xxx COC indicating fee required due to locked into loan program. Condition remains. The loan was already locked on xxx per the LE and Lock Agreement. Provide additional documentation to support the addition of the xxx Fee on the xx xLE. Additional conditions may apply.xxx Client provided a xxx PCCD with cure, $xxx refund check, LOE and proof of delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx,xxx or xxx months<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>|
| 409015902 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2488 | Verbal verification of employment missing | No | Missing 3rd party verification xxx | 7/22 Client provided the xxx | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx,xxx or xxx months<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>|
| 409015902 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing xxx | 7.25.2025 Client provided LOX stating, Correction to previous comment: Processing Team, it was explained xxx was opened in formed in xxx and no return was filed in xxx which is supported by no xxx on xxx and also the xxx which shows start date of xxx Response, per guidelines xxx most recent tax returns and xxx returns is required however would allow one year if the borrower have been in existence for xxx years, etc. Appears xxx income is under extension with file only having Year xxx and xxx recently started year xxx with xxx being under extension and file have an xxx from borrower regarding declining of income from xxx to xxx. Appears income is not supported due to not being xxx for the required time per guidelines and xxx in file from borrower regarding declining income from xxx being under extension xxx7.29.2025 Client provided Lender xxx regarding income and provided duplicate (xxx) x and regarding initial condition for Year xxx for xxx this xxx was acquired end of year xxx; would not be a xxx for Year xxx, only for xxx however Lender is using negative income for xxx coming from end of year xxx and upon further review of income documents appear we are missing Cash Flow Income Analysis for each xxx calculation. Condition remains for xxx xxx Cash Flow Income Analysis for each xxx. Note: Lender have a xxx cash flow calculation in file however missing xxx Cash Flow Income Analysis for each xxx. 8.4.2025 Client provided Lender Cash Flow Income Analysis for xxx and for xxx calculations from xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx,xxx or xxx months<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>|
| 409015903 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx total reserves required xxx<br>|
| 409015903 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | Declining income for xxx Borrower is xxx% xxxxxx letter page xxx combined file addresses as follows:"xxx due to fact that xxx was an exceptional year. If you look at historicaltrends, the company income has been stable with no downturn. xxx is a reputable xxx andhave a significant amount of xxx that will start in the xxx The outlook for both xxx andxxx are in line to have another exceptional year.'And Borrower xxx Please feel freeto contact me with any additional questions regarding this matter." | 7/14 Client provided an Email; upon review the xxx is accepted to confirm xxx income has returned to stable past historical averages after an extraordinary year in xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx; total reserves required xxx<br>|
| 409015903 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | Loan program: xxxProvide missing xxx findings.Subject to full review, and may be subject to additional conditions. | 7/14 Client changed the lock to xxx not required | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx; total reserves required xxx<br>|
| 409015911 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate) xxx Cash Reserves $xxx Exceeds requirement for subject and xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>|
| 409015912 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum allowable LTV of xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months of PITIA available in reserves; xxx months required.<br>|
| 409015916 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.Missing xxx | 7.22.2025 Client provided xxx email stating, The borrower holds less than xxx% xxx was issued in the borrowers name. For xxx, a xxx was issued both in the borrowers name (marked 'Final') and under the borrower's xxx. While the borrower has filed an extension for their xxx personal tax return, the xxx return has been filed and validated through the xxx. We are requesting approval to proceed with including the xxx income (issued to the xxx) in the xxx income average. Condition is being satisfied with adding, xxx separate conditions on file regarding now receiving passive income and employment income (Final xxx) in file. | Condition is being satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrower has xxx months of xxx on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years<br>|
| 409015916 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Provide xxx for Borrower dated within xxx xxx days prior to Note date | 7.22.2025 Client provided xxx email stating, The borrower holds less than xxx% xxx in xxx was issued in the borrowers name. For xxx, a xxx was issued both in the borrowers name (marked 'Final') and under the borrower's xxx. While the borrower has filed an extension for their xxx personal tax return, the xxx return has been filed and validated through the xxx. We are requesting approval to proceed with including the xxx income (issued to the xxx) in the xxx income average. | Condition is being satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrower has xxx months of xxx on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years<br>|
| 409015916 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Credit | Income/Employment | Waived | C | B | C | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Condition added upon review of income and Lender rebuttal xxx is not required | 7.22.2025 Client provided xxx stating, The borrower holds less than xxx% xxx in xxx was issued in the borrowers name. For xxx was issued both in the borrowers name (marked 'Final') and under the borrower's xxx. While the borrower has filed an extension for their xxx personal tax return, the xxx return has been filed and validated through the xxx. We are requesting approval to proceed with including the xxx income issued to the xxx) in the x-xx month income average. Response, newly qualified income now being issued in name of xxx, missing documentation (from employer which is where the new xxx) supporting the likeliness of continuance of this newly monthly income. Note: xxx income was from Employment income (xxx%) with file having Final x from xx employer and newly xxx income (in xxx name), and xxx income is now being issued in xxx is passive income distributed to him as a xxx from the xxx xxx. 7.22.2025 Client provided exception approval for missing evidence of likeliness of continuance of xxx xxx income with file having a completed xxx and xxx Only Letter from employer | Upon further review by xxx, exception is deemed non-material. Exception approved, B Grade with compensating factors, xxx years with employer and now receiving xxx as a xxx from current employer, fico score XXXX and verified reserves over $xxx. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrower has xxx months of xxx on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years<br>|
| 409015916 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Credit | Income/Employment | Waived | C | B | C | B | CRDINC889 | Income is Not Reasonable | No | Income condition added upon receipt and review of the scenario of income | 7.22.2025 Client provided xxx stating, The borrower holds less than xxx% xxx in x was issued in the borrowers name. For 2024, a K-xxx was issued both in the borrowers name (marked 'Final') and under the borrower's xxx. While the borrower has filed an extension for their xxx personal tax return, the xxx return has been filed and validated through the xxx. We are requesting approval to proceed with including the xxx income (issued to the xxx) in the xxx income average. Response, due to xxx type of xxx) income is now in xxx just starting to receive from current/former employer as of xxx and is doubled compared to prior xxx earnings from employer, requesting xxx transcript however appears xxx is under extension. 7.22.2025 Client provided exception approval for missing xxx Transcript to support xxx income (passive income distributed as a xxx from the company's/previous employment profits) now xxx being received is in Borrower xxx name from current/previous employer with xxx under extension. With file having xxx Transcripts that supports the employment xxx. | Upon further review by xxx exception is deemed non-material. Exception approved, B Grade with compensating factors, xxx years with employer and now receiving xxx as a xxx from current employer, fico score XXXX and verified reserves over $xxx. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrower has xxx months of xxx on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years<br>|
| 409015916 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide documentation that the xxx being paid off xxx is $xxx. Credit Report shows $xxx. | 7.23.2025 Client provided copy of xxx statement verifying current balance of $xxx and prior balance of $xxx was paid on this statement on xxx subject Note date xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrower has xxx months of xxx on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years<br>|
| 409015928 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with xxx years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxx exceeds guide lines.<br>|
| 409015932 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxxyears.<br>|
| 409015936 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITIA in reserves.<br>|
| 409015939 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxxexceeds minimum guideline credit score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are verified at $xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years with current employer.<br>|
| 409015944 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide documentation supporting $xxx (xxx) on xxx as shown on final 1xxx. Subject to DTI and reserves recalc and may be subject to additional conditions. | 7.25.2025 Client provided LOX stating, $xxx is the difference between the escrow amount on xxx statement and the actual current taxes and insurance docs. Uploaded for review and provided copy of xxx statement along with tax bill and xxx policy | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx > xxx months<br>|
| 409015946 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated xxx. As the fees are at least reflected there is no material issue. This exception is informational per xxx xxx revisions, corrected on PCCD dated xxx. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves xxx months PITI exceed guideline of xxxmonths for xxx with LTV xxx or less<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower has no consumer xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline of minimum xxx<br>|
| 409015946 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Credit | DTI | Waived | B | B | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | xxx DTI determined as xxxx% which exceeds xx% as per guidelines. | 6.25.2025 Client provided exception approval to allow DTI of xxxx% which exceeds xxxx% per guidelines | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves xxx months PITI exceed guideline of xxxmonths for xxx with LTV xxx or less<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower has no consumer xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline of minimum xxx<br>|
| 409015946 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | xxx product is missing from the file. | 7.1.2025 Client provided xxx valuation supporting appraised value with xxx% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves xxx months PITI exceed guideline of xxxmonths for xxx with LTV xxx or less<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower has no consumer xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline of minimum xxx<br>|
| 409015969 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per xxx, a Closing Disclosure was issued on xxx which is missing from file. | 07/02/25 Client provided the missing xxx CD package. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx reserves required by xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for xxx and xxx years.<br>|
| 409015969 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx reserves required by xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for xxx and xxx years.<br>|
| 409015969 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at leastxxxbusiness days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 07/02/25 Client provided the missing xxx Initial CD, Revised xxx CD and Revised xxx CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx reserves required by xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for xxx and xxx years.<br>|
| 409015969 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD xxx is the only CD in file. Missing initial CD acknowledged by borrowers min xxx days prior to closing. | 07/02/25 Client provided the missing xxx Initial CD, Revised xxx CD and Revised xxx CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx reserves required by xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for xxx and xxx years.<br>|
| 409015969 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Credit | DTI | Waived | B | B | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Max DTI 47% current DTI xxxx% | 6/30 Client provided an approved exception to allow the file with a DTI of xxxx | xxxfinal grade is B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx reserves required by xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for xxx and xxx years.<br>|
| 409015969 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than xxx | No | xxxx% LTV based on $xxx/$xxxx exceeds the xxx maximum of xx% for a xxxpurchase. | 6/30 Client provided an approved exception to allow the file with an xxxx% LTV | Upon review by xxx Condition is a Non Material B grade; strong reserves, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx reserves required by xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for xxx and xxxyears.<br>|
| 409015978 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero tolerance in the amount of $xxx as Appraisal Fee and Transfer Taxes increased without a COC in file to support it. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/30/25 Client provided an LOE from Lender and snips of the change history and Lock history reflecting the Loan Amount changes that validated the Transfer Tax changes. Condition remains. Borrower is still due $xxx for the Appraisal Fee increase. Provide proof of refund, PCCD with cure, LOE and proof of delivery with Tracking.07/09/25 Client provided a xxx PCCD with cure, $xxx refund check, LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx years xxx months at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx Score with xxx MIn<br>|
| 409015986 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | Borrower's Credit Score xxxx, maximum LTV allowed xxxx%. Missing exception for xx% LTV. | 6.30.2025 Client provided exception approval for LTV xxxx% exceed guidelines maximum of xxxx% | Upon further review by xxx, exception is deemed non-material. Exception approved, B Grade with compensating factors, DTI xxxx% (Maxxxxx%) and xxxx years with current employment. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Significant time in profession, xxx years.<br>|
| 409015987 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing xxx and income docs | 7.8.2025 Client provided evidence of xxx, income used for qualifying by Lender was Year xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B2 xxx years same line of work<br>CFCFS2860: Good credit history<br> - xxx Comments: xxx > xxx months<br>|
| 409015987 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections xxx are not disclosed on Final CD xxx; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B2 xxx years same line of work<br>CFCFS2860: Good credit history<br> - xxx Comments: xxx > xxx months<br>|
| 409015987 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | 3/31/25 xxx in file.Provide most recent second consecutive month.Subject to asset recalc and may be subject to additional conditions upon review. | 7.2.2025 Client provided xxxnd consecutive month xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B2 xxx years same line of work<br>CFCFS2860: Good credit history<br> - xxx Comments: xxx > xxx months<br>|
| 409015987 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Provide xxx extension.Subject to income recalc and may be subject to additional conditions upon review. | 7.8.2025 Client provided evidence of xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B2 xxx years same line of work<br>CFCFS2860: Good credit history<br> - xxx Comments: xxx > xxx months<br>|
| 409015987 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Note date xxx.B1 employment start date xxxProvide prior xxx fromxxx to complete xxxmonth history.May be subject to additional conditions upon review | 6/30 Client provided an unsigned, undated lox that Borrower was xxx and job searching from xxx to xxx; provide a signed and dated LOX from the Borrower6.30.2025 Client provided exception approval for job xxxemployment letter provided was not signed by borrower, exception to accept LOX without borrower signature. | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B2 xxx years same line of work<br>CFCFS2860: Good credit history<br> - xxx Comments: xxx > xxx months<br>|
| 409015987 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | CU score xxx; value not yet supported. Provide Missing updated valuation.May be subject to additional conditions upon review. | 7/1 Client provided a xxx supporting the appraised value | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B2 xxx years same line of work<br>CFCFS2860: Good credit history<br> - xxx Comments: xxx > xxx months<br>|
| 409015999 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Compliance | Finance Charge Tolerance | Satisfied | C | B | C | B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Finance charge understated by $xxxdue to xxx is not included into Finance Charge calculation. Condition is pending receiving a copy of refund check to borrower, LOE, PCD and proof of shipping with tracking. | 07/09/25 Client provided a xxx PCCD with cure, LOE, $xxx refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; reserves not required by xxx.<br>|
| 409015999 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Compliance | Finance Charge Tolerance | Satisfied | C | B | C | B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than xxx's calculated Amount Financed | No | Finance charge understated by $xxxdue to xxxis not included into Finance Charge calculation. Condition is pending receiving a copy of refund check to borrower, LOE, PCD and proof of shipping with tracking. | 07/09/25 Client provided a xxx PCCD with cure, LOE, $xxxrefund check and proof of shipment. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; reserves not required by xxx.<br>|
| 409015999 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx and xxx revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxxis xxx points above the minimum required score of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; reserves not required by xxx.<br>|
| 409015999 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Credit | DTI | Waived | B | B | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Debt-to-income (DTI) ratio of xxxx% exceeds the maximum allowable DTI by client overlays of xx%. | 6.30.2025 Client provided exception approval for DTI xxxx% exceeding guidelines maximum of xxxx% | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxxi s xxx points above the minimum required score of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; reserves not required by xxx.<br>|
| 409016013 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | C | A | D | A | D | A | D | A | C | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing xxx docs and xxx | 7.30.2025 Client provided Lender LOX stating not sure what initial is asking for. Response, even if we double the xxx lot for additional $xxx for each lot = xxx would have no effect on DTI and this appears to be annual that was used by Lender | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)xxx Cash Reserves $xxx Required: xxx months PITIA, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score<br>|
| 409016013 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | C | A | D | A | D | A | D | A | C | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking Summary in file, a revised CD xxx was issued but is missing. Provide missing CD. | 07/24/25 Client provided the xxx CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)xxx Cash Reserves$xxx Required: xxx months PITIA, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score<br>|
| 409016013 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | C | A | D | A | D | A | D | A | C | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Borrower owns xxx xxxPage xxx combined file has a check for $xxx made out to xxx. Comments on the same page as the check state: "The following are xxx dues for one lot will be double next year."Please provide documentation tying this payment amount to which lot number and that this is the annual amount, and provide documentation for the same for the second lot.Subject to DTI recalc and may be subject to additional conditions upon review. | 7.30.2025 Client provided Lender xxx stating not sure what initial is asking for. Response, even if we double the xxx lot for additional $xxx for each lot = $xxx would have no effect on DTI and this appears to be annual that was used by Lender | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)xxx Cash Reserves$xxx Required: xxx months PITIA, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score<br>|
| 409016013 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | C | A | D | A | D | A | D | A | C | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Provide missing xxx for xxx requirementsMay be subject to additional conditions upon review. | 7/25 Client provided a xxx confirming xxx | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)xxxCash Reserves$xxx Required: xxx months PITIA, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score<br>|
| 409016013 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | C | A | D | A | D | A | D | A | C | A | D | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA217 | Natural Disaster Area, no subsequent inspection (Individual) | No | Provide post disaster property inspection due to the following disaster; may be subject to additional conditions upon review.xxxIndividualxxx | 7.30.2025 Client provided Post Disaster inspection dated xxx with exterior photos with no damage | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)xxxCash Reserves$xxx Required: xxx months PITIA, met<br> CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score<br>|
| 409016028 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Insurance | Waived | B | B | B | B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective Date xxx is greater than the transaction date of xxx Per final CD disbursement date is xxx. Condition Waived | Client provided waiver for hazard insurance not in effect at time of closing, however valid at time of delivery to xxx for purchase review | xxx initial and final grade of B | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx.xxxmonths of PITIA. Guidelines require xxx months or $ xxx X xxx = $ xxx<br>|
| 409016028 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | File is missing xxx used to qualify. | 7.21.2025 Client provided lock confirmation switching program to xxx vs xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx.xxxmonths of PITIA.Guidelines require xxx months or $ xxx X xxx = $ xxx<br>|
| 409016041 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | CMPTRID5089 | TRID - Escrow Waiver Fee disclosed in Loan Disclosures but is not contained in Loan Costs and no evidence the fee was charged | No | CD xxx Section: Loan Disclosures, Escrow Waiver Fee Amount is $xxx. No Escrow Waiver Fee disclosed in Sub Sections xxx and xxx and there is no evidence the fee was charged. Condition is pending LOX with corrected PCD to borrower. | 08/01/25 Client provided a copy of the pricing adjustments showing the xxx adjustment built into the pricing for No Impounds. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: CLTV xxx% below guideline requirements xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves xxx exceed guidelines.<br>|
| 409016041 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID5097 | TRID - Escrow Waiver Fee disclosed in Loan Costs Section differs in amount from the amount in Loan Disclosures | No | CD xxx Section: Loan Disclosures, Escrow Waiver Fee Amount is $xxx. No Escrow Waiver Fee disclosed in Sub Sections xxx and xxx. Condition is pending LOX with corrected PCD to borrower. | 08/01/25 Client provided a copy of the pricing adjustments showing the xxx adjustment built into the pricing for No Impounds. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: CLTV xxx% below guideline requirements xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves xxx exceed guidelines.<br>|
| 409016042 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxxx% CLTV below guideline requirements of xxx% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxxx months PITI in reserves.<br>|
| 409016058 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing evidence to verify tax and insurance payments for xxx property at xxx | 7/xxxClient provided supporting docs | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; max xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>|
| 409016058 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing evidence to verify tax and insurance payments for xxx property at xxx | 7/xxxClient provided supporting docs for xxx of $xxx per xxx | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; max xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>|
| 409016058 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing complete xxx for xxx including job title, start date of employment, and name and phone# of xxx | 7/xxxclient provided a xxx meeting xxx requirements | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; max xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>|
| 409016058 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing verification of the existence of xxx xxx-xxx to be verified through a xxx and be no more than xxx calendar days prior to the Note date xxx | 7/xxxClient provided a xxx xxx meeting xxx | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; max xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx.<br>|
| 409016070 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx is below guideline max LTV of xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are $xxx or xxx months PITIA.<br>|
| 409016085 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at leastxxxbusiness days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 07/23/25 Client provided the Initial xxx CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA.Guidelines require xxxmonths or $ xxx X xxx= $ xxx<br>|
| 409016085 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD xxx is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of xxx days prior to closing. | 07/23/25 Client provided the Initial xxx CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA.Guidelines require xxxmonths or $ xxx X xxx= $ xxx<br>|
| 409016258 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx, or xxx months PITIA, xxxmonths required.<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: B1 shows significant history of receiving xxx income, xxx shows to continue at $xxx xxx. xxx income not used to qualify.<br>|
| 409016261 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance triggered due to missing all LEs in file to allocate fees for accurate testing. Additional conditions may apply | 07/28/25 Client provided the missing Initial xxx LE and a Revised xxx LE. Re-testing results in a xxx percent tolerance violation that was cured via the Lender Credit at closing. Refer to x for xx new Zero Tolerance violation. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITIA in reserves.<br>|
| 409016261 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | 07/28/25 Client provided the missing Initial xxx LE and a Revised xxx LE. Re-testing results in a Zero Tolerance violation of $xxx for the added Final Inspection Fee on the Initial xxx CD. Per the COC's in file, there are xxx additional Missing LE's related to the xxx COC and xxx COC. For final tolerance testing, provide the missing LE's that belong with the xxx and xxx COC's. Additional conditions may apply. | 07/30/25 Client provided the missing xxx and xxx LE's supporting the COC's in file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITIA in reserves.<br>|
| 409016261 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation. | No | Ten percent tolerance triggered due to missing all LEs in file to allocate fees for accurate testing. Additional conditions may apply | 07/28/25 Client provided the missing Initial xxx LE and a Revised xxx LE. Re-testing results in a xxx percent tolerance violation of $xxx that was cured via Lender Credit at Closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITIA in reserves.<br>|
| 409016261 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID3494 | TRID - Loan Estimate Missing | No | Loan Estimate(s) Missing in file | 07/28/25 Client provided the missing Initial xxx LE and a Revised xxx LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITIA in reserves.<br>|
| 409016268 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA.Guidelines require xxx months or $ xxx X xxx = $ xxx+xxxMonths for Additional REO or $ xxx Xxxx= $ xxx<br>|
| 409016270 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline max LTV of xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx exceeds guideline minimum score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at xxx or xxx months PITIA reserves for all properties.<br>|
| 409016278 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking Details, the Initial Closing Disclosure was issued on xxx which is missing from file. | 07/11/25 Client provided the missing xxx Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; xxx% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx; total reserves required $xxx<br>|
| 409016278 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero tolerance in the amount $xxx as Appraisal Review Fee increased without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 07/11/25 Client provided the missing Initial xxx CD and duplicate copy of the xxx COC. Condition remains. The COC does not reflect a valid change reason for the increased fee. Borrower is due a refund of $xxx, PCCD with cure, LOE and delivery.07/25/25 Client provided a xxx PCCD with cure, $xxx refund check, LOE and tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; xxx% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx total reserves required $xxx<br>|
| 409016288 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with xxx Late Payments > xxxMonths<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA.Guidelines require xxx months or $ xxx X xxx= $ xxx+ xxx Months for Additional REO or $ xxx X xxx= $ xxx<br>|
| 409016304 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; xxx max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxxrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>|
| 409016306 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>|
| 409016307 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>|
| 409016329 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxxGuidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxxYears in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA.Guidelines require xxx months or $ xxx X xxx = $ xxx+xxx Months for Additional REO or $ xxx Xxxx= $xxx<br>|
| 409016330 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the xxx, we are satisfying to xxx | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum score of xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline max LTV of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves of $xxx, or xxx.xxxmonths for all properties xxx<br>|
| 409016331 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI: $xxx or xxx months required.<br>|
| 409016331 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at leastxxxbusiness days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 08/14/25 Client provided the Initial xxx CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI: $xxx or xxx months required.<br>|
| 409016331 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD xxx is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of xxx days prior to closing. | 08/14/25 Client provided the Initial xxx CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI: $xxx or xxx months required.<br>|
| 409016331 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Provide missing updated valuation for the following reflected on final CD.May be subject to additional conditions upon review."xxx Report Fee to xxx | 8/21 Client provided an xxx supporting the appraised value with a xxx% variance | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI: $xxx or xxx months required.<br>|
| 409016334 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | CMPSTCP1770 | XXXX CSPA; Required Closing Disclosure not provided to borrower | No | Missing xxx xxx; Required Closing Disclosure | 07/31/25 Client provided the required Closing Disclosure (Right Not to Close). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxxYears at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA.Guidelines require xxx months or $ xxx X xxx = $ xxx+xxxMonths for Additional REO or $ xxx Xxxx= $ xxx<br>|
| 409016334 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA.Guidelines require 9 months or $ xxx X xxx = $ xxx+xxx Months for Additional REO or $ xxx Xxxx= $ xxx<br>|
| 409016339 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx.xxx qualifying DTI<br>|
| 409016339 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | xxx and xxx xxx must be executed; please provide | 7.23.2025 Client provided pg xxx of xxx xxx executed and dated by borrower | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx.xxx qualifying DTI<br>|
| 409016352 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months PITIA in reserves.<br>|
| 409016368 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx xxx and xxx revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx<br>|
| 409016373 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing evidence to verify the xxx residence has xxx via Final HUD/CD and/or borrower is no longer obligated for tax/insurance/hoa payments on that property, or provide evidence of those xxx payments and rerun DU to include them into the borrower's DTI which is currently 49.89% with a xxx% max for thexxx. LOX from non-borrowing xxx provided stating xxx paid off the roundpoint mortgage attached to the property and xxx supplement reflects that mortgage is now paid with $xxx bal/$xxxpmt but no evidence to show xxx are no longer required. | 7.29.2025 Client provided copy of xxx deed dated xxx where our borrower is no longer obligation on this property and evidence mortgage have been paid off in loan file | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxxmo. xxx mortgage payment history; xxxxxxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx + REO $xxx= $xxx reserves required.<br>|
| 409016373 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2550 | Missing HUD-1 from sale of property | No | Missing evidence to verify the xxx residence has xxx via Final HUD/CD and/or borrower is no longer obligated for tax/insurance/hoa payments on that property, or provide evidence of those xxx payments and rerun DU to include them into the borrower's DTI which is currently 49.89% with a xxx% max for thexxx. LOX from non-borrowing xxx provided stating xxx paid off the roundpoint mortgage attached to the property and xxx supplement reflects that mortgage is now paid with $xxx bal/$xxxpmt but no evidence to show xxx are no longer required. | 7.29.2025 Client provided copy of xxx deed dated xxx where our borrower is no longer obligation on this property and evidence mortgage have been paid off in loan file | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxxmo. xxx mortgage payment history; xxxxxxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx + REO $xxx= $xxx reserves required.<br>|
| 409016388 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | B | B | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score; xxxrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx or xxx months PITI; $xxx or xxx months required.<br>|
| 409016407 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Right of Rescission | Waived | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title Commitment in file, loan originated with the same lender. Incorrect xxx ROR form was used instead of xxx form. | 08/04/25 Client provided an approved exception for using incorrect ROR form | 08/04/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxxDTI with xxx max<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx score exceeds xxx MIN<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments:<br>|
| 409016512 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score; xxxrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx; total reserves required $xxx<br>|
| 409016512 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA217 | Natural Disaster Area, no subsequent inspection (Individual) | No | Appraisal date xxx. xxx for Severe xxx, Straight-line Winds, and Flooding with a declaration date of xxx. No subsequent inspection. | 7.23.2025 Client provided Post Disaster inspection dated xxx with no damage along with exterior photos | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score; xxxrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx total reserves required $xxx<br>|
| 409016518 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Right of Rescission | Satisfied | C | A | C | A | CMPROR114 | ROR - Right of Rescission not executed by all title holders | No | ROR in file is legal size paper and the bottom part with signature is cut off. Please provide a cope of full page executed ROR form. | 08/18/25 Client provided a legible, full size copy of the ROR. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx%<br>|
| 409016544 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is lower than guideline max LTV of xxx.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer for xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx or xxx months PITIA. Twelve months required.<br>|
| 409016559 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxx in reserves required.<br>|
| 409016565 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxxYears in Current Profession<br>|
| 409016568 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Waived | C | B | C | B | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Borrower did not contribute xxx% to the Transaction. Sales Price $xxx. xxx% = $xxx. xxx of $xxx directly to Title. xxx/Option Fee and xxx of $xxx. Short xxx% by $xxx | 7/29 Client provided an approved exception to allow the without a xxx% contribution | Upon review by xxx Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrowers have xxx months xxx on current mortgage<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV<br>|
| 409016569 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | No evidence of E-consent provided. | 08/14/25 Client provided the E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITIA in reserves.<br>|
| 409016569 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | No evidence of E-consent provided. | 08/14/25 Client provided the E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITIA in reserves.<br>|
| 409016569 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing borrowers signed xxx | 8.18.2025 Client provided esigned executed copy of Form xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITIA in reserves.<br>|
| 409016572 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>|
| 409016576 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | HOI dwelling coverage $xxxK is insufficient; at least $xxxK coverage required or guaranteed replacement cost statement from provider or breakdown of reconstruction cost required. | 8.13.2025 Client provided Lender HOI calculation however what is needed to clear this condition is documentation from HOI, provide HOI estimated replacement cost worksheet reflecting at least $xxx is the estimated cost for replacement. Condition remains 8.14.2025 Client provided HOI estimated replacement cost worksheet supporting cost replacement estimate $xxx; HOI reflect sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx+mo. xxx mortgage payment history; xxxxxxxrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409016584 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Final CD xxx - missing page xxx. Provide a copy of executed final CD | 07/29/25 Client provided all pages to the signed Final CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITI in reserves.<br>|
| 409016584 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the xxx xxx we are satisfying to xxx. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITI in reserves.<br>|
| 409016586 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score exceeds guideline minimum of xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been on current job for xxx years<br>|
| 409016590 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxx exceeds guide lines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $xxx exceeds guide lines.<br>|
| 409016624 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months<br>|
| 409016624 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing xxx | 8/6 Client provided the xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxxmonths<br>|
| 409016624 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing xxx | 8/6 Client provided xxx | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxxmonths<br>|
| 409016637 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero tolerance in the amount of $xxx as Discount Points were added to CD xxx without a COC in file. Condition pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 08/08/2025 Client provided a duplicate COC reflecting Lock/Pricing change on xxx. However the COC does not reflect $ amount of the point change. Condition remains. Provide a copy of the Pricing change or lock showing the amounts for changes. 08/11/25 Client provided an LOE with screenshot showing the pricing adjustments for DTI and Lock Extension. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx years at current Job<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves $xxx or xxx months PITIA and required is xxx months + xxx months for xxx REO<br>|
| 409016641 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Noe of required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxxYears in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA.Guidelines require xxx months or $ xxx X xxx = $ xxx + xxx Months for Additional REO or $ xxx Xxxx= $ xxx<br>|
| 409016641 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero tolerance in amount of $xxx due to added Verification fee on CD xxx with no valid reasons documented on COC xxx. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 08/06/2025 Client provided a COC dated xxx reflecting that Verification fee added was required by the xxx. Condition remains. Provide the reason that the fee was required or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 08/12/25 Client provided an xxx PCCD, LOE/COC and payment history reflecting a $xxx principal reduction cure to borrower's account. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxxYears in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA.Guidelines require xxx months or $ xxx X xxx = $ xxx + xxx Months for Additional REO or $ xxx Xxxx= $ xxx<br>|
| 409016642 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline requirement of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline requirement of xxx%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves of $xxx or xxx PITI reserves exceed guideline.<br>|
| 409016642 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Hazard Insurance Policy dwelling $xxx + $xxx (other structures) =$xxx which is insufficient coverage. | 8.11.2025 Client provided HOI estimated replacement cost worksheet | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline requirement of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline requirement of xxx%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves of $xxx or xxx PITI reserves exceed guideline.<br>|
| 409016655 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxxrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx; $xxx required<br>|
| 409016661 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD xxx Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx years xxx months in xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B2 has xxx years B1 has xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx score exceeds the xxx program min<br>|
| 409016694 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with xxx Late Payments > xxxMonths<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA Guidelines require xxxmonths or $ xxx X xxx= $ xxx+xxxMonths for Additional REO or $ xxx Xxxx= $ xxx<br>|
| 409016694 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero tolerance in amount of $xxx due to added Appraisal xxx fee on LE xxx with no valid reasons documented on COC xxx Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 07/17/25 Client provided a duplicate copy of the xxx COC. Condition remains. The COC does not reflect a valid change explanation for why the xxx was needed.07/21/2025 Client provided a copy of an email requesting xxx be ordered, however it does not provide the reason the xxx was requesting the xxx. Condition remains. Provide a valid reason why the review was ordered. 07/23/25 Client provided another xxx COC, xxx explanation from the xxx and this xxx response: xxx xxx program requirement of xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with xxx Late Payments > xxxMonths<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA Guidelines require xxxmonths or $ xxx X xxx= $ xxx+xxxMonths for Additional REO or $ xxx Xxxx= $ xxx<br>|
| 409016694 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing xxx as required for xxx | 7.17.2025 Client provided lock switching program from xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with xxx Late Payments > xxxMonths<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA Guidelines require xxxmonths or $ xxx X xxx= $ xxx+xxxMonths for Additional REO or $ xxx Xxxx= $ xxx<br>|
| 409016852 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | DTI | Satisfied | B | A | B | A | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Calculated DTI xxxx% Lender DTI xxxx%Difference in DTI is REO: xxx is with Round point $xxx however lender (xxx REO) have xxx for xxx and same for xxx however xxx goes with xxx. Provide (1). updated DU and (2). lender updated xxx(REO) with correct mtg payment matching correct property: xxx and xxx (Mtg statements in file that support going with each property, this is also the difference in DTI rental calculation). | 8/6 Client provided updated xxx and DU | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current xxx, xxx years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has significant time at current job, xxx years<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence, xxx years xxx months<br>|
| 409016852 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | File is missing YTD xxx Profit/Loss (Note date xxx) and xxx is under extension and current DTI is xxxx% with using declining income from xxx P&L Income used for qualifying is from end of year xxx Profit/Loss due to declining xxx | 8/6 Client provided YTD xxx P&L supporting qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current xxx, xxx years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has significant time at current job, xxx years<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence, xxx years xxx months<br>|
| 409016855 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the xxx xxx, we are satisfying to xxx | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI Is below guideline maximum of xxx%<br>|
| 409016855 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Waived | D | B | D | B | CRDINC3204 | Income Documentation Missing | No | Missing current executed lease agreement for rental property located at xxx | 8.5.2025 Client provided an email between Lender and Client regarding xxx income for this property:xxx stating, For the xxx property at xxx that the borrower just purchased this year. The same tenants have lived in the property since xxx (see attached xxx agreements) and new ones have not been signed. Will the existing lease agreements be okay and also the currently pay $xxx for each unit (which is not what is showing on the lease agreements). We are needing to use the $xxx for each unit. If we get documentation of receipt of $xxx per unit can we use that amount. Response, File have a copy of the executed old expired Leases for both units xxx supporting $xxx each (per the xxx the xxx do not reflect $xxx) and file have a printout for these xxx units stating xxx however this print out don't support given or paid by tenants, (1). missing the documentation showing tenants making this payment (copy of xxx, etc) and (2). missing documentation to support xxx signing awareness agreement that ongoing xxx is $xxx (due to $xxx each unit is being used for qualifying). Upon receipt and review, additional documentation maybe required. 8.11.2025 Client provided an LOX in Collaborate however no documentation was provided to support tenant agree to newly monthly lease of $xxx each unit which is needed for qualifying. Condition remains for agreement between borrower and both tenants (xxx) to support new agreement to new monthly lease of $xxx per unit. In addition, documentation provided do not support whom the $xxx each unit xxx was received from only showing a invoice from xxx and showing a deposit, nothing supporting coming from current tenants. 8/20 Client provided evidence of payments collected However, Condition remains for agreement between borrower and both xxx (xxx) to support monthly xxx of $xxx per unit. In addition, missing documentation the $xxx each unit xxx is coming from current tenants. 8/20 Client provided an approved exception to allow the file with cash receipts and without confirmation tenants are the responsible party for the payments, file has a xxx lease, current month to month status and evidence of receipt of current xxx payments; | Upon review by xxx Condition is a Non Material B grade; DTI below xxx, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI Is below guideline maximum of xxx%<br>|
| 409016860 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guidelines minimum credit score of xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline max LTV of xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx years in current profession.<br>|
| 409016861 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline required score of xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline max LTV of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are $xxx, or xxx months PITIA for all properties xxx.<br>|
| 409016867 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx% below guideline requirement<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx% below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in profession, xxx + years<br>|
| 409016872 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | File is missing final completion certification for xxxnd appraisal with value of $xxx that was used to qualify. | 8.12.2025 Client provided xxx subject to completion along with interior/exterior photos | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum allowable LTV of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxxis 1xxxpoints above the minimum required score of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months of PITIA available in reserves; xxxmonths required.<br>|
| 409016875 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has xxxyears in same xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves are xxx or xxx months PITIA and required is xxx months PITIA<br>|
| 409016891 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum credit score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified post close reserves are $xxx, required reserves are $xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has xxx years in current profession, B2 has xxx years.<br>|
| 409016896 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page xxx of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline max LTV of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves of $xxx exceeds required reserves of $xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx for xxxyears.<br>|
| 409016896 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing full xxx xxx tax returns for Combined xxx, only xxx form provided. | 8/5 Client provided the xxx supporting qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline max LTV of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves of $xxx exceeds required reserves of $xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been xxx for xxxyears.<br>|
| 409016897 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned their primary residence for xxx years xxx months.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx LTV is xxx% below the maximum allowable LTV of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx xxx available in reserves; $xxx in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409016915 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been at the same residence for xxxyears.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx xxx+ REO $xxx= $xxx reserves required.<br>|
| 409016916 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Value supported with CU score of xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx score with xxx Min<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: xxx years at current home<br>|
| 409016946 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Low DTI xxx% Guidelines Require xxx %<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA. Guidelines require xxx months or $ xxx = $ xxx<br>|
| 409016946 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero tolerance in amount of $xxx due to added Verification fee on LE xxx with no valid reasons documented on COC xxx. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 07/31/25 Client provided the xxx Invoice and the following Seller response: There was a valid COC completed due to the Underwriter adding a condition for a breakdown of income from the employer. The invoice is dated xxx and revised LE/COC went out xxx File also contains the xxx VOE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Low DTI xxx% Guidelines Require xxx %<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA.Guidelines require xxx months or $ xxx xxx = $ xxx<br>|
| 409016984 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per Tracking Details in file, there are xxx CDs issued xxx that reflect the Disclosure Type as "Initial". Both were Viewed by the Borrowers on xxx (CD with APR of xxx% was Viewed at xxx; CD with APR of xxx% was Viewed at xxx). The xxx CD with APR of xxx% is missing from file. | 08/13/25 Client provided a response from the Seller stating the first set shows Yes for escrows even though they were waived. The borrower did not want to sign as-is, so it was removed from the timeline and resent with the waived escrows accurately showing. Condition remains. Since the incorrect CD was delivered to the borrower, we still need to have this CD for our file review.08/18/25 Client provided the missing xxx CD with APR of xxx%. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITI in reserves.<br>|
| 409016999 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: xxx years xxx months at current home<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: xxx years at current job<br>|
| 409017010 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero tolerance in amount of $xxx due to increase in Appraisal fee on LE xxx with no valid reasons documented on COC xxx. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 08/19/25 Client provided a duplicate copy of the xxx COC in file. Condition remains. The COC does not provide a valid change in circumstance to increase the Appraisal fee. Borrower is due a refund of $xxx, PCCD with cure, LOE and proof of delivery that includes tracking.08/21/25 Client provided the xxx Appraisal Order Notes that validate the increased charge. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxxyears<br>|
| 409017017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | RESPA | Waived | B | B | B | B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/inxxxdays of application | No | Application date per tracking documentation is xxx, List of homeowners xxx | 07/23/25 Client provided an approved exception for xxx not disclosed within xxx days of application | 07/23/25 Initial and final grade is xxx | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; xxx max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx; total reserves required $xxx.<br>|
| 409017017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Application date is xxx, earliest LE in file is dated xxx. Per xxx, initial LE was issued on xxx. Missing initial LE in file. | 07/30/25 Client provided the missing xxx Initial LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; xxx max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx; total reserves required $xxx.<br>|
| 409017017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at leastxxxbusiness days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 07/30/25 Client provided the missing xxx Initial CD. Condition remains. The Product changed from xxx on the Revised xxx CD. The loan closed on xxx. Additional xxx day waiting period was not met prior to Consummation.08/04/25 Client provided a duplicate copy of the xxx LE, xxx LE and xxx CD packages. Condition remains. The Product changed from xxx on the Revised xxx CD. The loan closed on xxx. Additional xxx day waiting period was not met prior to Consummation.08/13/25 Client provided a missing xxx COC and Revised CD with Tracking. Condition remains. The Tracking does not provide the confirmed receipt date and the CD is not signed. Provide the confirmation of receipt for further testing.08/15/25 Client provided the xxx Tracking with confirmation of receipt on xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; xxx max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score; xxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx; total reserves required $xxx.<br>|
| 409017017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD acknowledged by borrower min xxx days prior to consummation date of xxx. | 07/30/25 Client provided the missing xxx Initial CD. Condition remains. The Product changed from xxx on the Revised xxx CD. The loan closed on xxx. Additional xxx day waiting period was not met prior to Consummation.08/04/25 Client provided a duplicate copy of the xxx LE, xxx LE and xxx CD packages. Condition remains. The Product changed from xxx on the Revised xxx CD. The loan closed on xxx. Additional xxx day waiting period was not met prior to Consummation.08/13/25 Client provided a missing xxx COC and Revised CD with Tracking. Condition remains. The Tracking does not provide the confirmed receipt date and the CD is not signed. Provide the confirmation of receipt for further testing.08/15/25 Client provided the xxx Tracking with confirmation of receipt on xxx. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV; xxx max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score; xxxrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx; total reserves required $xxx.<br>|
| 409017041 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxxyears<br>|
| 409017044 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline max LTV of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx, or xxx months PITIA for all properties xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx years in current profession.<br>|
| 409017233 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page xxx of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum score of xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has xxx years in current profession, B2 has xxxyears.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxx is below guideline requirement<br>|
| 409017233 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero tolerance in amount of $xxx due to added xxx Transaction fee in C. section on CD xxx with no valid COC in file to support it. As fee is not a shoppable service (no providers are listed on SPL) fee is tested for xxx% violation. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information | 08/19/25 Client provided an xxx PCCD moving the $xxx xxx Transaction Fee to the correct Section H. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum score of xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has xxx years in current profession, B2 has xxxyears.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxx is below guideline requirement<br>|
| 409017307 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITI in reserves.<br>|
| 409017323 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Section H are not disclosed on Final CD xxx; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score<br>|
| 409017327 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Right of Rescission | Waived | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Incorrect ROR Form Used - xxx Form Used in Refinance With xxx. As per prior Note original Lender is xxx Lender for current loan is also xxx | 07/28/25 Client provided an approved exception for using incorrect xxx ROR form instead of xxx | 07/28/25 Initial and final grade xxx | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITIA in reserves.<br>|
| 409017329 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx + REOs $xxx= $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>|
| 409017334 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | None of required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxxYears in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA.Guidelines require xxxmonths or $ xxx xxx= $ xxx+xxxadditional months for xxx ($ xxx xxx= $ xxx)+xxxMonths for Additional REO or $ xxx xxx= $ xxx<br>|
| 409017342 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing income docs and missing reo docs | 8.18.2025 Client provided reo documents however income is still under review. Condition remains 8.20.2025 Client provided Lender LOX email regarding other income as being typical for this xxx type (insurance) and the section xxx which includes officer compensation as reflected on YTD xxx P/L. Condition is being satisfied with Lender LOX email addressing the condition. Updated income with including xxx wages from paystub in file and section xxx of YTD xxx P/L | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx for xxx months<br>|
| 409017342 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx for xxx months<br>|
| 409017342 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | B | A | B | A | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Max DTI for> xx% LTV is xx%.Qualifying DTI is xxxx%.Difference is from income calcs. | 8.18.2025 Client provided some documents, DTI still under review. Condition remains 8.20.2025 Client provided Lender LOX email regarding other income as being typical for this xxx type (insurance) and the section xxx which includes officer compensation as reflected on YTD xxx P/L. Condition is being satisfied with Lender LOX email addressing the condition. Updated income with including xxx wages from paystub in file and section xxx of YTD xxx P/L | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx for xxx months<br>|
| 409017342 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide documentation for xxx xxx tax and HOA, to total amount of TIA $xxx on xxx$xxx monthly HOI is documented. Subject to DTI and reserves recalc and may be subject to additional conditions upon review. | 8.18.2025 Client provided taxes and HOA for xxx supporting total of $xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx for xxx months<br>|
| 409017342 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Lender excluded xxx other income, xxx xxxs page xxx line xxx, from income calc. Only xxx xxx in file.While a xxx LOE is in file, provide documentation supporting this income was also received in xxx.And, as it's not yet reflected on the xxx YTD PL, provide documentation as to when it will be received in xxx..Subject to full income recalc and may be subject to additional conditions upon review. | 8.18.2025 Client provided LOX regarding initial condition. Response, regarding excluding this other income, need to verify this is ongoing income this was not verified with borrower as being ongoing income, in addition statement 1 have a list of other income that totals $xxx and file do have an LOX stating xxx no longer has a relationship with xxx and I no longer have any income or expenses related to mortgage businesses, however xxx is one of the other income listed on statement 1, additional documentation is required from borrower itemizing each other income listed on statement 1 verifying will be ongoing income and (2). difference in income is we are using P/L income and lender is using P/L YTD xxx income however we are not considered the xxx income however Lender is considering the YTD xxx income, this xxx income is not reflected on the xxx P/L and the paystub in file is dated xxx however the xxx income is not listed on YTD P/L (difference in income is coming from currently not using xxx ytd xxx income in our calculation due to not reflected on P/L. Condition remains (1). borrower need to comment on which income is no longer being considered as other income, from statement 1 and (2). need to verify reason xxx w2 income not reflected on YTD 2025 P/L Upon receipt and review, other income that is no longer ongoing to be removed from income. 8.20.2025 Client provided Lender LOX email regarding other income as being typical for this xxx type (insurance) and the section xxx which includes officer compensation as reflected on YTD xxx P/L. Condition is being satisfied with Lender LOX email addressing the condition. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx for xxx months<br>|
| 409017342 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | Due to >x% differential in DTI, from differing income calcs, provide updated AUS findings. xxx be subject to additional conditions upon review. | 8.20.2025 Client provided Lender LOX email regarding other income as being typical for this xxx type (insurance) and the section xxx which includes officer compensation as reflected on YTD xxx P/L. Condition is being satisfied with Lender LOX email addressing the condition. Updated income with including xxx wages from paystub in file and section xxx of YTD xxx P/L | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: xxx for xxx months<br>|
| 409017345 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum score of xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has xxx years in current profession, B2 has xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified post close reserves are $xxx, required reserves $xxx.<br>|
| 409017353 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum allowable LTV of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx.xxxmonths of PITIA available in reserves; xxxmonths required.<br>|
| 409017357 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the xxx xxx we are satisfying to xxx | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% qualifying LTV<br>|
| 409017357 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero tolerance fee in amount of $xxx due to increase in Discount Points from $xxx on LE xxx to $xxx on LE xxx. COC in file dated xxx indicates loan amount increase with points updated but a revised LE disclosed to borrower within xxx days of findings is missing in file. Condition is pending receiving a revised LE or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information | 07/28/25 Client provided the missing xxx LE package and the xxx LE package. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% qualifying LTV<br>|
| 409017357 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Reserves pending final xxx / settlement statement from sale of xxxresidenceEstimate sourced is:Months PITI Reserves (Qual Rate)xxxCash Reserves$xxxSubject to recalc and may be subject to additional conditions upon review. | 8/1 Client provided the xxx from departing residence with sufficient proceeds | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% qualifying LTV<br>|
| 409017357 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Per xxx findings xxx of $2xxx from sale of xxx residence was used for asset qualification.Provide final xxx / xxx. Doc in file page xxx combined file, is an estimated statement - as it states 'xxx: xxx' and Disbursement Date is blank. Subject to asset recalc and may be subject to additional conditions upon review | 8/1 Client provided emails authenticating final xxx which is signed and dated by all parties | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% qualifying LTV<br>|
| 409017358 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has xxx years xxx months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has xxx years xxx months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $xxx exceed required reserves $xxx<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage history reports xxxmos. xxx.<br>|
| 409017359 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has xxx years xxx months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $xxx exceeds required reserves $xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score xxx above program requirement xxx<br>|
| 409017360 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxxYears in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA.Guidelines require xxx months or $ xxx = $ xxx+xxxMonths for Additional REO or $ xxx= $ xxx<br>|
| 409017361 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxxYears at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>|
| 409017362 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Final 1003 indicates borrower has been at current address with no primary housing expense for xxx months and xxx for xxx years xxx months at previous address. File is missing verification of xxx payment history from prior address verifying xxx late payments in the last xxx months. If the xxx is a party to the transaction or relative of the borrower, cancelled checks or bank statements to verify satisfactory rent history is required; otherwise, if not related or a party to the transaction a satisfactory xxx can be provided. | 7.23.2025 Client provided exception approval for missing xxx payment history from prior address covering the last xxx months | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is xxx% below the maximum allowable LTV of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxxpoints above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months of PITI available in reserves; xxxmonths required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409017363 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months<br>|
| 409017364 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>|
| 409017365 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxcredit score exceed guidelines minimum of xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is below guideline maximum of xxx.<br>|
| 409017366 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | 1. Missing proof of xxx expense of $xxx for x as xx qualified with.2. Missing borrower letter of explanation or other satisfactory documentation to support no xxx expense for xxx as qualified with.3. Missing Written Verifications of Income completed through xxx as referenced in xxx Alert xxx. Provide all reports ending in xxx, xxx, and xxx for review. 4. Missing Verbal xxx to be dated with xxx xxx days of closing. xxx Alert xxx references it be completed through xxx however report was not located in file. | 7/xxxClient provided evidence of xxx for xxx ; DTI xxx updated to xxx Still missing1. Missing Written Verifications of Income completed through xxx as referenced in xxx Alert xxx. Provide all reports ending in xxx, xxx, and xxx for review. 2. Missing Verbal xxx to be dated with xxx xxx days of closing. xxx Alert xxx references it be completed through xxx however report was not located in file. | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has xxx years in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage reports xxx. xxx.<br>|
| 409017366 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has xxx years in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage reports xxx. xxx.<br>|
| 409017366 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | 1. Missing proof of xxx expense of $xxx for xxx property as qualified with.2. Missing borrower letter of explanation or other satisfactory documentation to support no xxx expense for xxx as qualified with. | 7/xxxClient provided evidence of xxx for xxx; DTI updated to xxxx | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has xxx years in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage reports xxx. xxx.<br>|
| 409017366 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing Verbal xxx to be dated with xxx xxx days of closing. DU Alert xxx references it be completed through xxx however report was not located in file. | 7.31.2025 Client provided post close dated Written xxx dated xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has xxx years in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage reports xxx. xxx.<br>|
| 409017366 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing Lender income calculation. | 7.31.2025 Client provided Lender income calculation worksheet | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has xxx years in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage reports xxx. xxx.<br>|
| 409017366 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing Final xxx. | 7.31.2025 Client provided Lender xxx | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has xxx years in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage reports xxx. xxx.<br>|
| 409017367 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | 1. Missing Final executed CD for sale of xxx to support property sold and xxx paid off.2. Missing proof of tax expense for xxx to support $xxx used to qualify. Evidence of hazard and xxx located in file however evidence of tax expense was not located. | 7/25 Client provided the executed xxx and CD | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Both xxx have xxxyears in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage history reports xxx mos. xxx.<br>|
| 409017367 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Both xxx have xxxyears in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage history reports xxx mos. xxx.<br>|
| 409017367 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing documentation to xxx of xxx deposit of $xxx reflected on x statement xxx dated xxx. Deposit must be from acceptable source. Additional exceptions may apply. | 7/25 Client provided supporting docs xxx from xxx | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Both xxx have xxxyears in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage history reports xxx mos. xxx.<br>|
| 409017367 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing proof of tax expense for xxx to support $xxx used to qualify. Evidence of hazard and xxx located in file however evidence of tax expense was not located. | 7/25 Client provided the supporting tax bill | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Both xxx have xxxyears in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage history reports xxx mos. xxx.<br>|
| 409017367 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2550 | Missing HUD-1 from sale of property | No | Missing Final executed CD for sale of xxx to support xxx property sold and xxx paid off. | 7/25 Client provided the executed xxx | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Both xxx have xxxyears in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage history reports xxx mos. xxx.<br>|
| 409017368 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is below guidelines maximum of xxx LTV.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>|
| 409017368 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Discount points increase from initial CD xto xx final CD xxx. No COC or lock pricing provided with updated expiration date. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 07/25/25 Client provided the missing xxx COC for the Lock Extension validating the Points increase. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is below guidelines maximum of xxx LTV.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>|
| 409017368 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation. | No | Recording fee increase from initial CD xxx $xxx to Post CD xxx $xxx. Exceeds allowable xxx% variation or $xxx. $xxx. No COC form provided listing fee amount or any details as to why fee increased. No cure provided on final or Post CD. Condition pending receipt detailed COC with increase validated or additional Post CD reflecting lenders cure, LOX, Refund of $xxx | 07/25/25 Client provided the missing xxx COC for the Lock Extension. Condition remains. The COC shows the increased Recording charges, however a Lock Extension is not a valid change in circumstance to increase the Recording fees. Borrower is due a refund of $xxx PCCD with tolerance cure, LOE and proof of delivery.08/01/25 Client provided a xxx PCCD with $xxx cure, LOE, refund check and tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% LTV is below guidelines maximum of xxx LTV.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx<br>|
| 409017369 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxxmonths with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxxmonths PITI in reserves.<br>|
| 409017373 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers statement document. Consistent with the xxx, we are satisfying to xxx | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxxGuidelines allow xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>|
| 409017374 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the xxx xxx, we are satisfying to xxx | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx% below guideline requirements xxx%<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx% below guideline requirement xxx%<br>|
| 409017375 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years at current job<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx% below guideline requirements xxx%<br>|
| 409017377 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months<br>|
| 409017378 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score xxx exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxx years.<br>|
| 409017379 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Per guidelines, provide most recent xxx months xxx.May be subject to additional conditions upon review | 7.23.2025 Client provided exception approval for missing xxx months current rental housing payment history xxx | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline required credit score of xxx<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: Income documentation shows additional xxx income of $xxx not being used to qualify. YTD xxx months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxx is below guideline max of xxx%.<br>|
| 409017380 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxCredit Score<br>|
| 409017381 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx.xxx months of PITIA.Guidelines require xxxmonths or $ xxx xxx= $ xxx+xxx Months for Additional REO or $ xxx xxx= $ xxx<br>|
| 409017383 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing borrower letter of explanation or other satisfactory documentation to verify no xxx expense for xxx as qualified with. | 7.25.2025 Client provided evidence no monthly xxx on property | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgager history reports xxx mos. xxx, xxx mos. xxx and xxx mos. xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx years in same line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score xxx above requirement xxx<br>|
| 409017383 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated xxx As the fees are at least reflected there is no material issue. This exception is informational per xxx revisions. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgager history reports xxx mos. xxx, xxx mos. xxx and xxx mos. xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx years in same line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score xxx above requirement xxx<br>|
| 409017383 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing borrower letter of explanation or other satisfactory documentation to verify no xxx expense for xxx as qualified with. | 7.25.2025 Client provided evidence no monthly xxx) on property | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgager history reports xxx mos. xxx, xxx mos. xxx and xxx mos. xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx years in same line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score xxx above requirement xxx<br>|
| 409017384 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Waived | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Borrowers have $1xxx in reserves. Required reserves are xxx month's x $xxx = $xxx, andxxxmonths x $xxx = $xxxx andxxxmonths for xxxx home x $xxx = $xxx for total $xxxx. Reserves short $xxxx due to xxx Earnest Money of $xxxx and Due xxx payment of $xxxx. Provide documentation to support the xxx and xxx Diligence payments cleared borrowers account prior to close. If Assets other than xxx are used to verify the funds two full months consecutive statements required. Any large deposits must be explained and documents. Additional exceptions may apply. | 7/xxxClient provided an approved exception to allow the file with $xxx in verified reserves | Upon review by xxx Condition is a Non Material B grade; Low LTV, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years xxx months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying LTV xxx% below program maximum xxx%.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage history reports xxx mos. xxx and xxx mos<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score xxxx above program requirement xxx<br>|
| 409017385 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guidelines xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx% is below guideline requirements xxx%<br>|
| 409017386 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV xxx exceeds Guideline Requirement xx% , however xxx% is approved per xxx | 7.25.2025 Client provided exception approval for LTV xxxx% exceed guidelines maximum of xx% (due to loan amount over $xxx | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guidelines xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx% below guideline requirement xxx%<br>|
| 409017387 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Missing page xxx of Final CD xxx | 07/28/25 Client provided the missing page xxx of the final CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxxmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxxmonths PITI in reserves.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower is a very conservative credit user; minimal xxx<br>|
| 409017389 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of xxx% is below guideline max LTV of xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx, or xxx months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum score of xxx<br>|
| 409017390 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months reported xxx; xxxmonths required.<br>|
| 409017390 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Waived | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified reserves of $xxx; total reserves required $xxx. xxx months for subject at $xxx = $xxx and x months for other financed property at $xxx = $xxx. | 7.25.2025 Client provided exception approval to allow for short reserves -$xxx | Upon further review by xxx exception is deemed non-material. Exception approval, B Grade with compensating factors, fico score xxxx and over xxxx years in profession | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months reported xxx; xxx months required.<br>|
| 409017391 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated xxx As the fees are at least reflected there is no material issue. This exception is informational per xxx revisions. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx.<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxx months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%.<br>|
| 409017391 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Assets | Waived | D | B | D | B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing additional month bank statement for xxx dated xxx | 7.24.2025 Client provided exception approval for missing xxxnd month statement for xxx | Upon further review by xxx, exception is deemed non-material. Exception is approved B Grade, with compensating factors: fico score xxxx, verified reserves xxxx.xxxmonths | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx.<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%.<br>|
| 409017391 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | LTV/CLTV | Waived | C | B | C | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by xxx or more | No | LTV of xx% exceed guideline maximum of xx% for a loan amount of xxx | 7.24.2025 Client provided exception approval for LTV xx% exceeding guidelines maximum of xx% with loan amount of $xxx | Upon further review by xxx, exception is deemed non-material. Exception is approved B Grade, with compensating factors: fico score xxxx verified reserves xxxx.xxxmonths, | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx.<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%.<br>|
| 409017391 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | Missing Second Full Appraisal as required per guidelinesFile have xxx (xxx) copies of appraisals from appraiser xxx however missing xxxnd full appraisal dated xxx from xxx with value of $xxx | 7/xxxClient provided the xxxnd full appraisal | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx.<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%.<br>|
| 409017392 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing documentation of xxx months rental history showing xxx. (xxx) | 7.25.2025 Client provided exception approval for missing current housing rental xxx months payment history | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum score of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxx% is below guideline max DTI of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are verified at $xxx, or xxx months PITIA.<br>|
| 409017394 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Updated DU xxx required to correct subject property tax expense from $xxx to $xxx. Tax cert in file reflects annual expense of $xxx. Variance causes DTI to increase from xxxx% to xxx% which exceeds x% tolerance. DU xxx recommendation to remain Approve/Eligible. | 7/xxxClient provided email from closing agent to confirm taxes are $xxx | Satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage history reports xxx mos. xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score xxx above program requirement xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $xxx exceed required reserves $xxx.<br>|
| 409017394 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated xxx. As the fees are at least reflected there is no material issue. This exception is informational xxx revisions. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage history reports xxx mos. xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score xxx above program requirement xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $xxx exceed required reserves $xxx.<br>|
| 409017394 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | Updated DU xxx required to correct subject property tax expense from $xxx to $xxx. Tax cert in file reflects annual expense of $xxx. Variance causes DTI to increase from xxxx% to xxxx% which exceeds x% tolerance. DU xxx recommendation to remain Approve/Eligible. | 7/xxxClient provided email from closing agent to confirm taxes are $xxx | Satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage history reports xxx mos. xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score xxx above program requirement xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $xxx exceed required reserves $xxx.<br>|
| 409017412 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>|
| 409017412 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance in the amount of $xxx. xxx fee was added to CD xxx without a valid reasons documented on COC xxx in file (Investor's lock date xxx fee not disclosed within xxx days of findings). Lender's credit of $xxx for tolerance cure was applied towards increase in Credit Report. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 08/14/2025 Client provided email reflecting xxx order placed on xxx with x however, xxx the fee was not disclosed to the Borrower until xxx. Fee not disclosed within xxx days. Borrower is due a refund of $xxx, Provide PCCD with additional cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 08/18/25 Client provided a generic LOE (does not reflect who provided it) that states the xxx and COC were within xxx days of discover. xxx would not be ordered before the appraisal, which was not signed until xxx and the xxx score was over xxx so xxx was ordered. Condition remains. The xxx in file is dated xxx which meets timing, however the Score was xxx. Since the score was less than xxx, not more than xxx as the LOE states, then provide further explanation for the xxx fee on xxx.08/19/25 Client provided a xxx xxx reflecting score of xxx (located in file page xxx). | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>|
| 409017412 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Credit | Insurance | Waived | C | B | C | B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective Date xxx is greater than the transaction date of xxx Per final CD disbursement date is xxx Condition Waived | Client provided waiver for hazard insurance not in effect at time of closing, however valid at time of delivery to xxx for purchase review | xxx initial and final grade of B | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has xxx Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>|
| 409017445 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx xxx xxx and xxx xxx revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qualifying score; xxx required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; xxx% max allowed.<br>|
| 409017460 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing Unexpired xxx. Have xxx in file | 7/25 Client provided a valid xxx | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months PITI<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI<br>|
| 409017486 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrowers have xxx on current and previous mortgages<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score<br>|
| 409017729 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA. Guidelines require xxx months or $ xxx = $ xxx<br>|
| 409017811 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3646 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Lender credit of $xxx provided is not sufficient to cover the tolerance cure required of $xxx due to the Survey fee in Section B increased to $xxx from $xxx without a valid reason on the change of circumstance. Tolerance cure required $xxx. Provide a letter of explanation, corrected Post Closing Disclosure reflecting cure, refund and proof of delivery with tracking within xxx days of consummation. | 08/14/25 Client provided an xxx PCCD with $xxx tolerance cure and LOE to borrower. Condition remains. Provide the additional $xxx refund check and proof of shipment that includes tracking information.08/20/25 Client provided the $xxx check and proof of shipment. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years with current xxx, co-borrower has xxx years.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Qualifying DTI of xxx is below guideline max DTI of xxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum credit score of xxx<br>|
| 409017827 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C & E are not disclosed on Final CD xxx; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since xxx<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since xxx<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxx in reserves required.<br>|
| 409017831 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxxyears.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx effective/reserves; $xxx= $xxx reserves required.<br>|
| 409017854 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Missing CD xxx in file. | 08/19/25 Client provided the missing xxx CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with xxx Late Payments > xxx Months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower Has Good Mortgage payment history with xxx Late Payments > xxx Months<br>|
| 409017904 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for xxxyears and xxx for xxx years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx mo. xxx mortgage payment history; xxxxxxxrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI; max xxx%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx + REOs $xxx= $xxx reserves required.<br>|
| 409017928 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the xxx xxx Grid, we are satisfying to xxx | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has xxx months PITIA in reserves.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower is a very conservative credit user; minimal outstanding debt.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxMedian FICO >xxx points above guideline program minimum of xxx<br>|
| 409017941 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within xxxdays of consummation | No | Zero Tolerance Fee of $xxx due to Appraisal fee increased on LE xxx without a valid COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 08/18/25 Client provided the Appraisal Invoice and the Appraisal Order Log showing the xxx explanation for the increased charge. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxxqualifying score; xxx required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $xxx; total reserves required $xxx.<br>|
| 409017965 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxxmonths<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx credit score exceed guideline minimum of xxx.<br>|
| 409017976 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD xxx; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit xxx Guidelines allow xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxxYears in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ xxx or xxx months of PITIA.Guidelines require xxx months or $ xxx X xxx= $ xxx<br>|
| 409018257 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL225 | Missing Rider | No | Missing xxx. | 8/4 Client provided the executed xxx | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI xxx%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx%<br>|
| 409018258 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page xxx of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum credit score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified post close reserves of $xxx, required reserves are $xxx.<br>|
| 409018278 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing most recent YTD pay stub for xxx employment at xxx.; borrower's effective start date was xxx per offer letter and bank statements reflect deposits from xxx starting xxx. | 8/21 Client provided xxx supporting qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have lived at the same residence for xxx years.<br>|
| 409018278 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have lived at the same residence for xxx years.<br>|
| 409018278 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2340 | Employment verification does not meet guidelines | No | Missing WVOE form 1005 or xxx for B2s prior employment with xxx and xxx to verify xxxyrs of employment history; LOX from xxx states they started work w/ xxx xxx and did not receive first paycheck until xxx so no W2 was issued, therefore asking for WVOE from prior employers to validate employment history. Previously borrower employed with xxx from xxx w/ xxx letter provided from borrower. | 8/21 client provided the WVOE for prior employment | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have lived at the same residence for xxx years.<br>|
| 409018278 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | 1. Missing most recent YTD pay stub for B2 employment at xxx.; borrower's effective start date was xxx per offer letter and bank statements reflect deposits from xxx. starting xxx. 2. Missing most recent xxx years (xxx) personal tax returns, required in addition to xxx yrs. tax transcripts as required for Dividends/Interest Income under the xxx Program guides. | 8/21 Client provided paystubs and taxes supporting qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI below guideline requirement of xxx%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx qual score; min xxx<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have lived at the same residence for xxx years.<br>|
| 409018279 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the xxx xxx Grid, we are satisfying to xxx. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below guideline maximum of xxx%<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxx months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves of $xxx or xxx PITI reserves exceed guideline requirement.<br>|
| 409018371 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Required Affiliate Business Disclosure | 08/21/25 Client provided a signed LOE from Lender stating they do not have any affiliated business arrangements. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds minimum guideline required score of xxx<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has xxx years in current profession, B2 has xxx years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are verified at $xxx, total required reserves are $xxx.<br>|
| 409018396 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxxexceeds guideline minimum credit score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $xxx, required reserves are $xxx.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has xxx years in current profession.<br>|
| 409018423 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of xxx exceeds guideline minimum credit score of xxx<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: WVOE shows additional bonus income of $xxx monthly (xxx month average) that was not used in qualifying.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years with current employer.<br>|
| 409018425 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of xxx is xxx points above the minimum required score of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $xxx available in reserves; $xxx in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: xxx% DTI is below the maximum allowed DTI of xxx%.<br>|
| 409018469 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fee that should be disclosed in Section C is not disclosed on Final CD xxx; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment xxx years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $xxx or xxx months<br>|
| 409018506 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the xxx xxx Grid, we are satisfying to xxx | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrowers have xxxmonths of xxx on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $xxx. Verified $xxxSubject: $xxx x xxx = $xxxxxx: $xxx xxxx= $xxx<br>|
| 409018532 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: xxx months with xxx Mortgage payment history exceeds guidelines of xxx months.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: xxx Median FICO xxx points above guideline program minimum of xxx<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Significant time in profession, xxx years.<br>|
| 409018902 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: xxx% CLTV below guideline requirements of xxx% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have xxx months PITI in reserves.<br>|
| 409018970 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx xxx xxx and xxx revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has xxx years with current employer.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of xxx is below guideline max DTI of xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: Borrowers have $xxx in reserves. Required reserves are xxx months x $xxx = $xxx and xxx months for departure residence x $xxx = $xxx. Total required reserves are $xxx<br>|

---

------

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **SEMT 2025-9** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **5/1/2025 - 8/21/2025** | **5/1/2025 - 8/21/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **297** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *297* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *218* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 409011444 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409011460 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 409012380 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 409012788 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 409013096 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409013154 | Yes | XXXXXX | XXXXXX | D | B | C | B | A | A | D | B | D | B | C | B | A | A | D | B | No |
| 409013312 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409013329 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 409013334 | Yes | XXXXXX | XXXXXX | D | C | C | A | A | A | D | C | D | C | C | A | A | A | D | C | No |
| 409013340 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 409013342 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409013515 | Yes | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Not Applicable |
| 409013538 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409013544 | Yes | XXXXXX | XXXXXX | D | B | C | B | A | A | D | B | D | B | C | B | A | A | D | B | Not Applicable |
| 409013650 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409013775 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | B | B | D | B | D | B | A | A | B | B | Not Applicable |
| 409013787 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409013864 | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Not Applicable |
| 409013890 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409013899 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 409013904 | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Not Applicable |
| 409013905 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Not Applicable |
| 409013928 | Yes | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | No |
| 409013957 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409013966 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 409013998 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 409014014 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409014027 | Yes | XXXXXX | XXXXXX | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | Not Applicable |
| 409014055 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 409014098 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 409014121 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409014126 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 409014131 | Yes | XXXXXX | XXXXXX | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Not Applicable |
| 409014139 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409014171 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 409014178 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | No |
| 409014187 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409014193 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409014196 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409014203 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409014215 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409014216 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 409014217 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409014224 | Yes | XXXXXX | XXXXXX | D | B | D | A | D | A | C | B | D | B | D | A | D | A | C | B | Not Applicable |
| 409014277 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 409014280 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409014286 | Yes | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Not Applicable |
| 409014669 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409014682 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 409014687 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409014689 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409014893 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 409014894 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409014912 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409014932 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409014937 | Yes | XXXXXX | XXXXXX | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | Not Applicable |
| 409014941 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409014961 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409014990 | Yes | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Not Applicable |
| 409014997 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409015084 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015108 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015118 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 409015148 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| 409015163 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Not Applicable |
| 409015176 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409015179 | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | No |
| 409015181 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409015189 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 409015193 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409015195 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 409015216 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015224 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 409015432 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409015442 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015443 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409015447 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 409015459 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409015465 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015471 | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| 409015474 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409015480 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Yes |
| 409015488 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 409015495 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015500 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | No |
| 409015509 | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Not Applicable |
| 409015511 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409015514 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 409015520 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 409015529 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409015536 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015537 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015538 | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Not Applicable |
| 409015550 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409015565 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Yes |
| 409015568 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015572 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 409015574 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015578 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409015579 | Yes | XXXXXX | XXXXXX | D | A | B | A | C | A | D | A | D | B | B | A | C | B | D | A | Not Applicable |
| 409015597 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 409015604 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 409015608 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409015615 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 409015622 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409015624 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015625 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409015643 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015646 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015648 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409015664 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015668 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015669 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409015677 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409015681 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015682 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409015683 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015684 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | No |
| 409015685 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409015687 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 409015690 | Yes | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Not Applicable |
| 409015692 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015698 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015699 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015701 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 409015705 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409015726 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 409015728 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015734 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015738 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409015739 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015740 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409015757 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015763 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409015765 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409015769 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 409015771 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409015773 | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| 409015797 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 409015798 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015799 | Yes | XXXXXX | XXXXXX | C | B | B | A | A | A | C | B | C | B | B | A | A | A | C | B | No |
| 409015846 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 409015848 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015850 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015860 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015868 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409015870 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409015872 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409015888 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015892 | Yes | XXXXXX | XXXXXX | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | No |
| 409015902 | Yes | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Not Applicable |
| 409015903 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409015911 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015912 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015916 | Yes | XXXXXX | XXXXXX | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Not Applicable |
| 409015928 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015932 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015936 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409015939 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409015944 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 409015946 | Yes | XXXXXX | XXXXXX | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | No |
| 409015969 | Yes | XXXXXX | XXXXXX | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Not Applicable |
| 409015978 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409015986 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409015987 | Yes | XXXXXX | XXXXXX | D | B | D | B | D | A | D | A | D | B | D | B | D | A | D | A | Not Applicable |
| 409015999 | Yes | XXXXXX | XXXXXX | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Not Applicable |
| 409016013 | Yes | XXXXXX | XXXXXX | D | A | D | A | C | A | D | A | D | A | D | A | C | A | D | A | No |
| 409016028 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 409016041 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409016042 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016058 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 409016070 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409016085 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409016258 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409016261 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409016268 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016270 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409016278 | Yes | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Not Applicable |
| 409016288 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016304 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016306 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409016307 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409016329 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016330 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409016331 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Not Applicable |
| 409016334 | Yes | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable |
| 409016339 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 409016352 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016368 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016373 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 409016388 | Yes | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable |
| 409016407 | Yes | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable |
| 409016512 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| 409016518 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409016544 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409016559 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016565 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016568 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 409016569 | Yes | XXXXXX | XXXXXX | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Not Applicable |
| 409016572 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409016576 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 409016584 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409016586 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016590 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016624 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409016637 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409016641 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409016642 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 409016655 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016661 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016694 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Not Applicable |
| 409016852 | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | No |
| 409016855 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 409016860 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409016861 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409016867 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409016872 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 409016875 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016891 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409016896 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 409016897 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016915 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016916 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409016946 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409016984 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409016999 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409017010 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 409017017 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409017041 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409017044 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409017233 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409017307 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409017323 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409017327 | Yes | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No |
| 409017329 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409017334 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409017342 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 409017345 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409017353 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409017357 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | No |
| 409017358 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409017359 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409017360 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409017361 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409017362 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409017363 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409017364 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 409017365 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409017366 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 409017367 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 409017368 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 409017369 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409017373 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409017374 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409017375 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409017377 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409017378 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409017379 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 409017380 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409017381 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409017383 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 409017384 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 409017385 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409017386 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 409017387 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409017389 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409017390 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 409017391 | Yes | XXXXXX | XXXXXX | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | No |
| 409017392 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 409017394 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 409017412 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Not Applicable |
| 409017445 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409017460 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 409017486 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409017729 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409017811 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 409017827 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409017831 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409017854 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409017904 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409017928 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409017941 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409017965 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409017976 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409018257 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 409018258 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409018278 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 409018279 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409018371 | Yes | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | No |
| 409018396 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409018423 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409018425 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409018469 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409018506 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409018532 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409018902 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409018970 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |

---

## Exhibit 99.7

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |
| **Client Project Name:** <br>| **SEMT 2025-9** |  |  |  |
| **Start - End Dates:** | **5/1/2025 - 8/21/2025** |  |  |  |
| **Deal Loan Count:** | **297** |  |  |  |
| **Waived Conditions Summary** | **Waived Conditions Summary** |  |  |  |
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Terms/Guidelines | CRDTER109 | Cash Out Amount Exceeds Guidelines | 1 |
| Credit | Terms/Guidelines | CRDTER110 | Loan amount exceeds guideline maximum | 1 |
| Credit | Terms/Guidelines | CRDTER113 | Loan amount is below guideline minimum | 1 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 3 |
| Credit | DTI | CRDDTI105 | Debt Ratio Exception xxx% or Less | 3 |
| Credit | DTI | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | 1 |
| Credit | LTV/CLTV | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least xxx%, but less than xxx% | 1 |
| Credit | LTV/CLTV | CRDLTV3028 | LTV Exceeds Guideline Requirement by xxx% or more | 1 |
| Credit | LTV/CLTV | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than xxx% | 3 |
| Credit | Income/Employment | CRDINC2340 | Employment verification does not meet guidelines | 1 |
| Credit | Income/Employment | CRDINC2408 | Income verification does not meet guidelines | 1 |
| Credit | Income/Employment | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | 2 |
| Credit | Income/Employment | CRDINC3204 | Income Documentation Missing | 1 |
| Credit | Income/Employment | CRDINC888 | Income Amount is Unsupported by Documentation in File | 4 |
| Credit | Income/Employment | CRDINC889 | Income is Not Reasonable | 1 |
| Credit | Insurance | CRDINSR5351 | Insurance Effective date is greater than the transaction date | 7 |
| Credit | Insurance | CRDINSR5352 | Flood Effective date is greater than the transaction date | 1 |
| Credit | Assets | CRDAST115 | Cash reserves do not meet guidelines | 1 |
| Credit | Assets | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | 1 |
| Credit | Assets | CRDAST2670 | Asset documentation is insufficient per guideline requirements | 2 |
| Credit | Assets | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | 2 |
| Compliance | TILA/RESPA Integrated Disclosure | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least xxx business days prior to closing | 1 |
| Compliance | Right of Rescission | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | 3 |
| Compliance | RESPA | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in xxx days of application | 1 |
| **Total** |  |  |  | **44** |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.8

![](logo_amc.gif)

------

#### EXECUTIVE SUMMARY

#### DESCRIPTION OF SERVICES
(1) Type of assets that were reviewed.

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Redwood Residential Acquisition Corporation (the "Client") via reliance letter. The Review was conducted in May 2025 through July 2025 on mortgage loans with origination dates in March 2025 through June 2025 via files imaged and provided by the original client for review.

(2) Sample size of the assets reviewed.

During the course of the securitization evaluation process, the Client may have removed loans that were reviewed by AMC from the securitization for reasons that were not disclosed to AMC. The final population of the Review covered 36 mortgage loans totaling an aggregate original principal balance of approximately $46.240 million.

(3) Determination of the sample size and computation.

AMC's Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E. AMC does not know the size of the overall securitization population and other third-party review ("TPR") firms may have reviewed loans within the overall securitization population. As such, AMC cannot state the overall sample size.

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

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

---

| | | |
|:---|:---|:---|
| # of Units | Coborrower SSN | Original Loan Amount |
| Amortization Term | Contract Sales Price | Original LTV |
| Amortization Type | Decision System | Original Term |
| Borrower First Name | Has FTHB | PMI Coverage % |
| Borrower FTHB | Investor: Qualifying Total Debt Ratio | Property Type |
| Borrower Last Name | Lien Position | Purpose |
| Borrower Qualifying FICO | LTV Valuation Value | Refi Purpose |
| Borrower SSN | Mortgage Type | Representative FICO |
| City | Note Date | State |
| Coborrower First Name | Occupancy | Street |
| Coborrower Last Name | Original CLTV | Zip |
| Coborrower Qualifying FICO | Original Interest Rate |  |

---

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

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

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

------

1 \| P a g e

------

![](logo_amc.gif)

------

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

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

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

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

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

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

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

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

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

------

2 \| P a g e

------

![](logo_amc.gif)

------

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

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

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

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

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

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

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of

------

3 \| P a g e

------

![](logo_amc.gif)

------

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

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

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

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

<br> a) <u>Rescission (§1026.23, §1026.15):</u>

<br> i) failure to provide the right of rescission notice;

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

<br> iii) errors in the right of rescission notice;

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

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

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

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

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

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

<br> ii) proper execution by all required parties;

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

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

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

<br> i) failure to provide the applicable home equity initial and account opening disclosures

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

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

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

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

------

4 \| P a g e

------

![](logo_amc.gif)

------

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

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

<br> i) points and fees threshold test;

<br> ii) APR threshold test;

<br> iii) prepayment penalty threshold test; and

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

<br> f) <u>Higher-priced Mortgage Loan (§1026.35):</u>

<br> i) APR threshold test; and

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

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

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

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

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

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

<br> h) <u>Homeownership counseling (§1026.36):</u>

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

<br> i) <u>Mandatory Arbitration Clauses (§1026.36):</u>

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

<br> j) <u>Prohibition on Financing Credit Insurance (§1026.36):</u>

<br> i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

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

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

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

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

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

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

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

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

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

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

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

<br> i) confirm current applicable HUD form was provided;

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

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

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

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

------

5 \| P a g e

------

![](logo_amc.gif)

------

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

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

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

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

<br> i) confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

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

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

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

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

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

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

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

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

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

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

<br> a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u>

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

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

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

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

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

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

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

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

<br> b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u>

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

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

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

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

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

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

------

6 \| P a g e

------

![](logo_amc.gif)

------

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

<br> c) <u>Your Home Loan Toolkit (§1026.19):</u>

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

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

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

<br> a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

<br> b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

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

<br> d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

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

*<u>Qualified Mortgage</u>*

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

---

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

---

---

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

---

---

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

---

------

7 \| P a g e

------

![](logo_amc.gif)

------

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

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

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

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

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

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

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

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

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

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

------

8 \| P a g e

------

![](logo_amc.gif)

------

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

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

<br> i) timing and content of the right to receive copy of appraisal disclosure;

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

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

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

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

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

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

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

(X) Recording Review

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

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

(XI) FIRREA Review

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

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

(XII) Document Review

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

<br> ◾ Initial application (1003);

<br> ◾ Underwriting summary / loan approval (1008);

<br> ◾ Credit report;

<br> ◾ Income and employment documentation;

<br> ◾ 4506T;

<br> ◾ Asset documentation;

<br> ◾ Sales contract;

<br> ◾ Hazard and/or flood insurance policies;

<br> ◾ Copy of note for any junior liens;

<br> ◾ Appraisal;

<br> ◾ Title/Preliminary Title;

------

9 \| P a g e

------

![](logo_amc.gif)

------

<br> ◾ Final 1003;

<br> ◾ Changed circumstance documentation;

<br> ◾ Right of Rescission Disclosure;

<br> ◾ Mortgage/Deed of Trust;

<br> ◾ Note;

<br> ◾ Mortgage Insurance;

<br> ◾ Tangible Net Benefit Disclosure;

<br> ◾ Subordination Agreement;

<br> ◾ FACTA disclosures;

<br> ◾ Notice of Special Flood Hazards;

<br> ◾ Initial and final GFE's;

<br> ◾ HUD from sale of previous residence;

<br> ◾ Final HUD-1;

<br> ◾ Initial TIL;

<br> ◾ Final TIL;

<br> ◾ Loan Estimates;

<br> ◾ Closing Disclosures; and

<br> ◾ Certain other disclosures related to the enumerated tests set forth herein.

(8) Other: review and methodology.

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

(9) Disclaimer.

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

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in this Report, and the results set forth in this Report do not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC, and are not statements of fact or legal conclusions. Information contained in the Report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the Report based on certain factors, including the facts and circumstances of an individual mortgage loan. The authorities administering the Applicable Law that was part of the review have broad discretionary powers which may permit such authorities, among other things, to withdraw exemptions accorded by statute or regulation, to impose additional requirements or to reach a conclusion that is not consistent with the results set forth in the Report. All decisions as to

------

10 \| P a g e

------

![](logo_amc.gif)

------

whether to issue, purchase, hold, sell or otherwise transact in securities backed by the mortgage loans reviewed in this Report, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such securities, shall be made solely by the parties to or investors in the transaction. The results set forth in this Report do not constitute tax or investment advice. The scoring models in this Report are designed to identify potential risk in the securities backed by the mortgage loans reviewed, and each party or investor assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

#### SUMMARY OF FINDINGS AND CONCLUSIONS
The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSROs listed on the Form ABS Due Diligence-15E.

#### OVERALL RESULTS SUMMARY
After giving consideration to the grading criteria of the relevant NRSROs, 100.00% of the loans received a grade "B" or higher.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** |
| **Final Loan Grade** | **Credit** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 32 | 32 | 18 | 36 | 18 |
| B | 4 | 4 | 18 | 0 | 18 |
| C | 0 | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 | 0 |
| **Total** | **36** | **36** | **36** | **36** | **36** |
| **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** |
| **Final Loan Grade** | **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | A | 88.89% | 50.00% | 100.00% | 50.00% |
| B | B | 11.11% | 50.00% | 0.00% | 50.00% |
| C | C | 0.00% | 0.00% | 0.00% | 0.00% |
| D | D | 0.00% | 0.00% | 0.00% | 0.00% |
| **Total** | **Total** | **100.00%** | **100.00%** | **100.00%** | **100.00%** |

---

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

---

| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **Final Exception Grade** | **Exception Category** | **Total** |
| Compliance | B | ECOA | 13 |
| Compliance | B | TRID Defect | 7 |
| Compliance | B | ATR/QM Defect | 2 |
| Compliance | B | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 1 |
| Compliance | B | RESPA | 1 |

---

------

11 \| P a g e

------

![](logo_amc.gif)

------

---

| | | | |
|:---|:---|:---|:---|
|  |  | ***Total Compliance Grade (B) Exceptions:*** | ***24*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **24** |
| Credit | B | Guideline | 2 |
| Credit | B | Insurance | 1 |
| Credit | B | Title | 1 |
| Credit | B | ***Total Credit Grade (B) Exceptions:*** | ***4*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **4** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **0** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **28** |

---

#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the 36 mortgage loans reviewed, 32 unique mortgage loans had 67 different tape discrepancies across 17 data fields (some mortgage loans had more than one data delta). A blank or zero value on the data tape when an actual value was captured by AMC was treated as a data variance. The largest variances were found on Investor: Qualifying Total Debt Ratio and Note Date. Qualifying Total Debt Ratio variances are the difference on the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating complex incomes.

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| # of Units | 0 | 31 | 0.00% | 36 |
| Amortization Term | 0 | 18 | 0.00% | 36 |
| Amortization Type | 0 | 36 | 0.00% | 36 |
| Borrower First Name | 1 | 30 | 3.33% | 36 |
| Borrower FTHB | 0 | 13 | 0.00% | 36 |
| Borrower Last Name | 2 | 30 | 6.67% | 36 |
| Borrower Qualifying FICO | 0 | 5 | 0.00% | 36 |
| Borrower SSN | 0 | 14 | 0.00% | 36 |
| City | 1 | 31 | 3.23% | 36 |
| Coborrower First Name | 1 | 9 | 11.11% | 36 |
| Coborrower Last Name | 0 | 9 | 0.00% | 36 |
| Coborrower Qualifying FICO | 0 | 4 | 0.00% | 36 |
| Coborrower SSN | 0 | 8 | 0.00% | 36 |
| Contract Sales Price | 0 | 15 | 0.00% | 36 |
| Decision System | 3 | 13 | 23.08% | 36 |
| Has FTHB | 1 | 18 | 5.56% | 36 |
| Investor: Qualifying Total Debt Ratio | 19 | 36 | 52.78% | 36 |
| Lien Position | 0 | 31 | 0.00% | 36 |
| LTV Valuation Value | 2 | 18 | 11.11% | 36 |
| Mortgage Type | 6 | 18 | 33.33% | 36 |
| Note Date | 13 | 13 | 100.00% | 36 |
| Occupancy | 0 | 36 | 0.00% | 36 |
| Original CLTV | 0 | 36 | 0.00% | 36 |
| Original Interest Rate | 0 | 31 | 0.00% | 36 |
| Original Loan Amount | 1 | 31 | 3.23% | 36 |
| Original LTV | 0 | 36 | 0.00% | 36 |
| Original Term | 0 | 18 | 0.00% | 36 |

---

------

12 \| P a g e

------

![](logo_amc.gif)

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| PMI Coverage % | 1 | 7 | 14.29% | 36 |
| Property Type | 7 | 36 | 19.44% | 36 |
| Purpose | 0 | 36 | 0.00% | 36 |
| Refi Purpose | 2 | 11 | 18.18% | 36 |
| Representative FICO | 3 | 31 | 9.68% | 36 |
| State | 0 | 31 | 0.00% | 36 |
| Street | 2 | 31 | 6.45% | 36 |
| Zip | 2 | 36 | 5.56% | 36 |
| **Total** | **67** | **807** | **8.30%** | **36** |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| Amortization Type | Loan Count | % of Loans | Original Balance | % of Balance |
| Fixed | 36 | 100.00% | $46239588.00 | 100.00% |
| **Total** | **36** | **100.00%** | **$46239588.00** | **100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 1 | 36 | 100.00% | $46239588.00 | 100.00% |
| **Total** | **36** | **100.00%** | **$46239588.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 6 | 16.67% | $9392545.00 | 20.31% |
| Other-than-first-time Home Purchase | 25 | 69.44% | $30566797.00 | 66.11% |
| Rate/Term Refinance - Borrower Initiated | 5 | 13.89% | $6280246.00 | 13.58% |
| **Total** | **36** | **100.00%** | **$46239588.00** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 241-360 Months | 36 | 100.00% | $46239588.00 | 100.00% |
| **Total** | **36** | **100.00%** | **$46239588.00** | **100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Single Family Detached | 18 | 50.00% | $24425650.00 | 52.82% |
| Condo, Low Rise | 1 | 2.78% | $1173096.00 | 2.54% |
| Condo, High Rise | 1 | 2.78% | $1300000.00 | 2.81% |
| PUD | 16 | 44.44% | $19340842.00 | 41.83% |
| **Total** | **36** | **100.00%** | **$46239588.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Primary | 32 | 88.89% | $40973332.00 | 88.61% |
| Second Home | 4 | 11.11% | $5266256.00 | 11.39% |

---

------

13 \| P a g e

------

![](logo_amc.gif)

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Total** | **36** | **100.00%** | **$46239588.00** | **100.00%** |
| **Origination Channel** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Broker | 3 | 8.33% | $5290000.00 | 11.44% |
| Retail | 33 | 91.67% | $40949588.00 | 88.56% |
| **Total** | **36** | **100.00%** | **$46239588.00** | **100.00%** |
| **Review Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Credit/Compliance - TRID | 36 | 100.00% | $46239588.00 | 100.00% |
| **Total** | **36** | **100.00%** | **$46239588.00** | **100.00%** |

---

------

14 \| P a g e

## Exhibit 99.9

![](logo_situs.jpg)

#### Rating Agency Grades

#### Run Date - 8/27/2025 2:10:14 PM

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| XXXX | 3555607605 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3558329431 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 3560515238 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3562466331 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 3560380077 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000070688 | XXXX |  |  | C | B | A | C | A | B | A | B |  |
| XXXX | 4000071692 | XXXX |  |  | C | C | A | C | A | B | A | B |  |
| XXXX | 4000069512 | XXXX |  |  | A | B | A | B | A | B | A | B |  |
| XXXX | 4000065456 | XXXX |  |  | C<br> D | B | A | C<br> D | A | B | A | B |  |
| XXXX | 4000069101 | XXXX |  |  | C | B | A | C | B | B | A | B |  |
| XXXX | 4000070421 | XXXX |  |  | A | B | A | B | A | B | A | B |  |
| XXXX | 4000073629 | XXXX |  |  | A | B | A | B | A | B | A | B |  |
| XXXX | 4000070790 | XXXX |  |  | C | C | C | C | A | A | A | A |  |
| XXXX | 4000072698 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 83011050211 | XXXX |  |  | C | C | A | C | A | A | A | A |  |
| XXXX | 2024-3450611 | XXXX |  |  | D | A | A | D | A | A | A | A |  |
| XXXX | 24282818 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 2105290371 | XXXX |  |  | C | C | A | C | B | B | A | B |  |
| XXXX | 17371023845 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 867250316271 | XXXX |  |  | C | C | A | C | A | A | A | A |  |
| XXXX | 202499813950 | XXXX |  |  | C | B | A<br> B | C | A | B | A<br> B | B |  |
| XXXX | 2503011279 | XXXX |  |  | A | B | A | B | A | B | A | B |  |
| XXXX | 2408010829 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 58524090029795 | XXXX |  |  | A | A | A | A | B | B | A | B |  |
| XXXX | 4000070894 | XXXX |  |  | C | C | C | C | A | B | A | B |  |
| XXXX | 4000072809 | XXXX |  |  | A | C | D | D | A | B | A | B |  |
| XXXX | 4000072507 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 4000075690 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000075919 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 4000072975 | XXXX |  |  | B | C | A | C | B | B | A | B |  |
| XXXX | 4000076923 | XXXX |  |  | A | C | A | C | A | B | A | B |  |
| XXXX | 4000077678 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000078659 | XXXX |  |  | A | B | A | B | A | B | A | B |  |
| XXXX | ZG001250187725 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | ZG001250187364 | XXXX |  |  | D | C | A | D | A | B | A | B |  |
| XXXX | ZG001250189983 | XXXX |  |  | C | C | A | C | A | B | A | B |  |

---

------

![](logo_situs.jpg)

#### Exception Grades

#### Run Date - 8/27/2025 2:10:14 PM

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | 3558329431 | XXXX |  | 33583903 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The business entity search with the Department of State did not contain a timestamp. Please provide evidence the date the search was obtained to verify it was performed within [redacted] calendar days of the note. |  |  |  | Reviewer Comment (2025-05-14): Received third party verification document with timestamped, Exception Cleared.<br>Buyer Comment (2025-05-14): [redacted]: please see attached evidence of date of obtained.<br>| 05/14/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Cash-out - Other | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3562466331 | XXXX |  | 33787197 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of$[redacted] exceeds tolerance of$[redacted]. Insufficient or no cure was provided to the borrower. | Title - Lender's Title Insurance Fee was last disclosed as$[redacted] on the Loan Estimate, but was disclosed as$[redacted]. on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of$[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-19): [redacted] received COC dated [redacted] for change in property type.<br>Buyer Comment (2025-06-18): Please review the documentation again specifically the one uploaded first, along with my response. The CIC was a change in the property type (first screenshot says [redacted] to [redacted]) which was supported by the appraisal that was received on the same day as the change in property type. The change in property type added a new TItle-Endorsement which is part of the lender's title policy, increased from [redacted] to [redacted] and increased the lender's title policy fee$[redacted]n addition, to the final comment there was no loan amount change, the change was property type which was disclosed on the [redacted] Loan Estimate based on the Appraisal which date and signature of report date of [redacted].<br>Reviewer Comment (2025-06-18): [redacted] received rebuttal comment and system snip for the property type changed and the title - Endorsement ALTA 5/ALTA 5.1 fee of [redacted] added. But it does not give sufficient information on why the Title - Lender's title policy fee increased from [redacted] to $[redacted]. Moreover, Title - Lender's title insurance fee in this form should be updated and disclosed to borrower whenever there is a loan amount change for TRID requirements on this [redacted] tolerance fee. Please provide valid COC with additional information for the fee was added or Cure would be due to borrower.<br>Buyer Comment (2025-06-17): [redacted] : Please see the attached valid change in circumstance. We received the appraisal on [redacted] and changed the property type to [redacted] as verified by the appraisal. Also, because the Loan estimate is rounded down to the nearest dollar if the cents is less than [redacted] the additional [redacted] cents does not represent a tolerance violation. Please clear this condition.<br>Buyer Comment (2025-06-17): [redacted]: Please see the attached valid change in circumstance. We received the appraisal on [redacted] and changed the property type to [redacted] as verified by the appraisal. Also, because the Loan estimate is rounded down to the nearest dollar if the cents is less than [redacted] the additional [redacted] cents does not represent a tolerance violation. Please clear this condition.<br>| 06/19/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 4000070688 | XXXX |  | 33962033 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Source of EMD deposit totaling $[redacted] was not provided. |  |  |  | Reviewer Comment (2025-04-08): Received, Clearing.<br>Seller Comment (2025-04-08): Comment from [redacted]: updated CD and proof of EMD<br>| 04/08/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000070688 | XXXX |  | 33962032 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-04-07): Accepted as is.<br>|  |  | 04/07/2025 | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000071692 | XXXX |  | 33962036 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  | Reviewer Comment (2025-04-14): Client elects to waive<br>|  |  | 04/14/2025 | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000071692 | XXXX |  | 33962038 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of$[redacted] exceeds tolerance of$[redacted]. Insufficient or no cure was provided to the borrower. | No cure was provided. |  |  |  | Reviewer Comment (2025-04-16): [redacted] received valid COC dated [redacted]<br>Seller Comment (2025-04-15): Comment from [redacted]: COC<br>| 04/16/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000071692 | XXXX |  | 33962039 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of$[redacted] exceeds tolerance of$[redacted]. Insufficient or no cure was provided to the borrower. | No cure was provided. |  |  |  | Reviewer Comment (2025-04-16): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception."<br>Seller Comment (2025-04-15): Comment from [redacted]: cure provided at closing<br>| 04/16/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000071692 | XXXX |  | 33962040 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Missing the lease agreement for [redacted] |  |  |  | Reviewer Comment (2025-04-15): Received, Clearing.<br>Seller Comment (2025-04-15): Comment from [redacted]: lease<br>| 04/15/2025 |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000071692 | XXXX |  | 33962041 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO[redacted]% Method | General QM: Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | Missing the lease agreement for [redacted] |  |  |  | Reviewer Comment (2025-04-15): Received, Clearing.<br>Seller Comment (2025-04-15): Comment from [redacted]: lease<br>| 04/15/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000071692 | XXXX |  | 33962042 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of$[redacted] exceeds tolerance of$[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-04-16): Sufficient Cure Provided At Closing<br>|  | 04/16/2025 |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000071692 | XXXX |  | 33962035 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the Insurance Verification, Lease Agreement, Tax Verification. |  |  |  | Reviewer Comment (2025-04-15): Received, Clearing.<br>Seller Comment (2025-04-15): Comment from [redacted] : REO docs<br>| 04/15/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000069512 | XXXX |  | 34192736 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-05-02): Waived per client request<br>|  |  | 05/02/2025 | 2<br> B |  | XXXX | Second Home | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000065456 | XXXX |  | 34192742 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is missing secondary valuation product required for securitization. |  | CDA is needed per guidelines. |  |  |  | Reviewer Comment (2025-04-24): Received CDA. Exception cleared.<br>Seller Comment (2025-04-23): Comment from [redacted] [redacted]: Please see attached<br>| 04/24/2025 |  |  | 1<br> A |  | XXXX | Primary | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000065456 | XXXX |  | 34192741 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The file was missing a copy of Rent Free Letter. |  |  |  | Reviewer Comment (2025-04-28): Received Rent Free Letter. Exception cleared.<br>Seller Comment (2025-04-28): Comment from [redacted]: Please see attached<br>Reviewer Comment (2025-04-24): Whomever the borrower is living with.<br>Buyer Comment (2025-04-24): Comment from [redacted]: Who does this need to be from?<br>| 04/28/2025 |  |  | 1<br> C<br> A<br> D |  | XXXX | Primary | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000065456 | XXXX |  | 34192738 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. | The appraisal was not provided to each valuation within [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-03-14): Accepted as is.<br>|  |  | 03/14/2025 | 2<br> B |  | XXXX | Primary | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000069101 | XXXX |  | 34192744 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Coverage is less than Original Loan Amount. |  |  |  | Reviewer Comment (2025-04-11): Client elects to waive<br>|  |  | 04/11/2025 | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000069101 | XXXX |  | 34192745 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Stocks of $[redacted] were used at [redacted]% towards closing at origination however, the file is missing evidence of liquidation |  |  |  | Reviewer Comment (2025-04-22): Received, Clearing.<br>Seller Comment (2025-04-22): Comment from [redacted]: Assets<br>Reviewer Comment (2025-04-14): Received bank statement is already available in file. Please provide additional assets to meet requirement of Cash From Borrower amount$[redacted].Exception remains.<br>Seller Comment (2025-04-11): Comment from [redacted]: [redacted] statement<br>| 04/22/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000069101 | XXXX |  | 34192746 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. | The appraisal was not provided to the borrower within [redacted] business days of the note date. |  |  |  | Reviewer Comment (2025-04-11): Client elects to waive<br>|  |  | 04/11/2025 | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000069101 | XXXX |  | 34192747 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. | The appraisal was not provided to the borrower within [redacted] business days of the note date. |  |  |  | Reviewer Comment (2025-04-11): Client elects to waive<br>|  |  | 04/11/2025 | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000069101 | XXXX |  | 34192748 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of$[redacted] exceeds tolerance of$[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | NO Cure provided. |  |  |  | Reviewer Comment (2025-04-11): Sufficient Cure Provided At Closing<br>|  | 04/11/2025 |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 4000069101 | XXXX |  | 34192749 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-04-25): Received, Clearing.<br>Seller Comment (2025-04-25): Comment from [redacted]: Reserves<br>| 04/25/2025 |  |  | 1<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000070421 | XXXX |  | 34192751 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-04-11): Client elects to waive<br>|  |  | 04/11/2025 | 2<br> B |  | XXXX | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000073629 | XXXX |  | 34192753 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-04-18): Accepted as is.<br>|  |  | 04/18/2025 | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000070790 | XXXX |  | 34192759 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease Agreement is missing from file for this REO property. |  |  |  | Reviewer Comment (2025-04-30): Received, Clearing.<br>| 04/30/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000070790 | XXXX |  | 34192758 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | 442 Final inspection document is missing from file. |  |  |  | Reviewer Comment (2025-04-28): Received, Clearing.<br>Seller Comment (2025-04-28): Comment from [redacted]: 1004d<br>| 04/28/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000070790 | XXXX |  | 34192755 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | ATR failure due to Lease Agreement is missing from file for REO property |  |  |  | Reviewer Comment (2025-04-30): Received, Clearing.<br>| 04/30/2025 |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 4000070790 | XXXX |  | 34192756 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO [redacted]% Method | General QM: Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | ATR failure due to Lease Agreement is missing from file for REO property to verify Rental amount. |  |  |  | Reviewer Comment (2025-04-30): Received, Clearing.<br>Seller Comment (2025-04-29): Comment from [redacted]: updated - du and 1008<br>Reviewer Comment (2025-04-28): Missing lease agreement for this property not the mortgage statement.<br>Seller Comment (2025-04-28): Comment from [redacted]: mtg stmt<br>| 04/30/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000072698 | XXXX |  | 34192762 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Combined High loan to value discrepancy. |  | HCLTV of [redacted]% exceeds AUS HCLTV of [redacted]% . |  |  |  | Reviewer Comment (2025-05-21): The purchase price had originally been entered incorrectly from a CD that was throwing off the LTV/CLTC numbers. With the correction made, the loan was under the [redacted]% LTV/CLTV.<br>Reviewer Comment (2025-05-13): Clearing after re-review.<br>| 05/13/2025 |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000072698 | XXXX |  | 34192763 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Combined loan to value discrepancy. |  | CLTV of [redacted]% exceeds AUS CLTV of [redacted]% . |  |  |  | Reviewer Comment (2025-05-21): The purchase price had originally been entered incorrectly from a CD that was throwing off the LTV/CLTC numbers. With the correction made, the loan was under the [redacted]% LTV/CLTV.<br>Reviewer Comment (2025-05-13): Clearing after re-review.<br>| 05/13/2025 |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000072698 | XXXX |  | 34192764 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Loan to value discrepancy. |  | LTV of [redacted]% exceeds AUS LTV of [redacted]% . |  |  |  | Reviewer Comment (2025-05-21): The purchase price had originally been entered incorrectly from a CD that was throwing off the LTV/CLTC numbers. With the correction made, the loan was under the [redacted]% LTV/CLTV.<br>Reviewer Comment (2025-05-13): Clearing after re-review.<br>| 05/13/2025 |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 83011050211 | XXXX |  | 34192776 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The loan was agency approved with an Originator Loan Designation of the Investor Guidelines were not provided causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (2025-05-07): ATR issues resolved on other exceptions.<br>Buyer Comment (2025-05-07): Please provide clarification of what is needed to clear this exception.<br>| 05/07/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 83011050211 | XXXX |  | 34192775 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-05-07): ATR issues resolved on other exceptions.<br>Buyer Comment (2025-05-07): Please review and clear.<br>| 05/07/2025 |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 83011050211 | XXXX |  | 34192774 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower within [redacted] days of closing was not provided. Waiver not provided. |  |  |  | Reviewer Comment (2025-04-17): Received Original Appraisal Report. Exception Cleared<br>Buyer Comment (2025-04-16): Original report and delivery<br>| 04/17/2025 |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 83011050211 | XXXX |  | 34192771 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient assets. Unable to source these large deposits which were omitted from consideration: - Need source of funds for large deposits of $[redacted], $[redacted] & $[redacted]. |  |  |  | Reviewer Comment (2025-05-06): Using IRA account [redacted] as it met [redacted] AUS criteria where liquidation proof not require. Cash from Borrower$[redacted] - Liquide asset balance$[redacted] = Remaining cash from borrower$[redacted] \* [redacted] =$[redacted] [redacted] and IRA have account balance of$[redacted] met [redacted] criteria Exception Cleared<br>Buyer Comment (2025-05-02): LOX<br>| 05/06/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 83011050211 | XXXX |  | 34192769 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to$[redacted] may be required. | File is missing the required Loan Estimate. |  |  |  | Reviewer Comment (2025-04-11): Received LE. Exception cleared<br>Buyer Comment (2025-04-10): LE<br>| 04/11/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 83011050211 | XXXX |  | 34192768 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Earlier receipt of Closing Disclosure was not provided |  |  |  | Reviewer Comment (2025-04-11): [redacted] received [redacted] CD [redacted] business days prior to consummation.<br>Buyer Comment (2025-04-10): CD<br>| 04/11/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 83011050211 | XXXX |  | 34192767 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | - | Unable to source these large deposits which were omitted from consideration: - Need source of funds for large deposits of $[redacted], $[redacted] & $[redacted]. | Unable to source these large deposits which were omitted from consideration: - Need source of funds for large deposits of $[redacted], $[redacted] & $[redacted]. |  |  | Reviewer Comment (2025-04-30): Received Source of Large Deposit and letter from borrower. Excluded [redacted] as Out of [redacted] was Cash deposit with no source and out of$[redacted] [redacted] was Misc-Refund, therefore total [redacted] excluded, however still available asset met the requirement. Exception Cleared<br>Buyer Comment (2025-04-28): source of funds<br>Reviewer Comment (2025-04-22): Source of fund for the deposit of [redacted] received however [redacted] deposit is one time deposit dated [redacted] into [redacted] and$[redacted] deposited one time of$[redacted] on [redacted] [redacted] however no source to document the same provided. exception remains.<br>Buyer Comment (2025-04-21): deposit info attached<br>Reviewer Comment (2025-04-17): [redacted] was deposited in Saving account [redacted] on [redacted] with no source of deposit provided in the file Additionally [redacted] was deposited in money market saving Account [redacted] on [redacted] and [redacted] on [redacted] Exception Remains<br>Buyer Comment (2025-04-16): Per Lender: Can I get some clarity on the deposits please? What was the date and account for deposit in the amount of [redacted] that you are seeing as we don't see this<br>| 04/30/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 83011050211 | XXXX |  | 34192765 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage Statement is missing. |  |  |  | Reviewer Comment (2025-04-30): HELOC agreement received with terms lender used [redacted] of of outstanding amount of$[redacted]s it higher then Annual rate of HELOC. Exception Cleared<br>Buyer Comment (2025-04-27): Heloc info<br>Reviewer Comment (2025-04-22): Require HELOC agreement to verify the rate & terms of payment. lender used [redacted]. exception remains.<br>Buyer Comment (2025-04-21): per lender : We are using [redacted] to qualify, let me know if we need anything else for this conditon<br>Reviewer Comment (2025-04-17): Provided HELOC statement with withdrawal amount does not shows the Monthly Payment of$[redacted]ender calculation require to support monthly payment of$[redacted]xception Remains ([redacted] noted in Bank statement with withdrawal of [redacted]). Exception Remains<br>Buyer Comment (2025-04-16): Per lender : The only mortgage on [redacted] is the HELOC which is reflected on OCCU statement we had in the file and we also had proof of HELOC balance/draw in the file.<br>| 04/30/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 2024-3450611 | XXXX |  | 34192777 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Contract states borrower name ([redacted]), Proposed title reflects "[redacted]". |  |  |  | Reviewer Comment (2025-05-30): [redacted] guides provided confirming documents meet requirements<br>Reviewer Comment (2025-05-23): Note is execute individually and not by the [redacted] or the trustee of the trust.<br>Buyer Comment (2025-05-22): Per Lender: [redacted] [redacted] is buyer of the property, the Grantor and Beneficiary of the [redcated]. The Land trust holds title to the property and [redacted] is the trustee for [redacted] land trust (see land trust docs).<br>Buyer Comment (2025-05-22): Land Trust and Trust Agreement<br>| 05/30/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 2024-3450611 | XXXX |  | 34192778 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Required corrected security instrument with correct borrower sign & name ([redacted]), to match buyer on purchase contract. |  |  |  | Reviewer Comment (2025-05-30): [redacted] guides provided confirming documents meet requirements<br>Buyer Comment (2025-05-29): Per FHLMC<br> (b)<br>Signatures and documentation<br> (i)<br>Uniform Instrument signatures<br> (A)<br>Form of signature for Note<br> Each beneficiary of a Land Trust who is a Borrower must sign the Note in that beneficiary's individual capacity.<br>(B)<br>Signature required on Security Instrument<br> The trustee of the Land Trust must execute the Security Instrument.<br>Reviewer Comment (2025-05-23): The note is executed individually yet property vested in an [redacted] n behalf of a trust.<br>Buyer Comment (2025-05-22): See Final Title exception for documents - [redacted] [redacted] the borrower/beneficiary signs the NOTE and collateral assignment doc From [redacted] (see docs supplied) and the trustee [redacted]of the [redacted] land trust signs the DEED as is required in a land trust ([redacted]-also see land trust document)<br>| 05/30/2025 |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 2024-3450611 | XXXX |  | 34192780 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Copy of the [redacted], A [redacted] Limited Liability Company's operating agreement or corporate resolution. |  |  |  | Reviewer Comment (2025-05-30): FHLMC guides provided confirming documents meet requirements<br>Buyer Comment (2025-05-29): Please see [redacted]<br> (b)<br>Signatures and documentation<br> (i)<br>Uniform Instrument signatures<br> (A)<br>Form of signature for Note<br> Each beneficiary of a Land Trust who is a Borrower must sign the Note in that beneficiary's individual capacity.<br>(B)<br>Signature required on Security Instrument<br> The trustee of the Land Trust must execute the Security Instrument.<br>Reviewer Comment (2025-05-23): The Security Agreement reflects vested as "[redacted]. as does the Trust. Investor approval to[redacted] with no entity docs reviewed.<br>Buyer Comment (2025-05-22): See Final Title policy exception for documents - Per Lender: .[redacted] also attorney and owner of [redacted] is the trustee for[redacted]trust. Land trust is the vested correctly on DEED. ([redacted]c-also see land trust document).<br>| 05/30/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 2024-3450611 | XXXX |  | 34192781 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Loan is vested in an LLC that is owned by a Trust. [redacted] guides state individual or Trust vesting allowed but do not state LLC vesting is allowed regardless of "down the line" ownership. The layering of the Trust being owned by the LCC which it is vested in needs investor approval. |  |  |  | Reviewer Comment (2025-05-30): [redacted]guides provided confirming documents meet requirements<br>Reviewer Comment (2025-05-23): The Security Agreement reflects vested as [redacted]. as does the Trust. Investor approval to accept[redacted]with no entity docs reviewed.<br>Buyer Comment (2025-05-22): See Final Title exception for documents - Per Lender: 4. Loan is vested in[redacted] land trust with [redacted] as the trustee. Vesting is correct for land trust. Investor [redacted] acknowledged there are no overlays and [redacted]<br>| 05/30/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 24282818 | XXXX |  | 34192783 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | The file was missing evidence the Right to Receive Appraisal Disclosure provided to borrower within [redacted] of initial application. |  |  |  | Reviewer Comment (2025-05-07): [redacted] Received Initial loan estimate dated [redacted]<br>Reviewer Comment (2025-05-02): Received LE dated [redacted] with "VOID" [redacted] mark on all the pages. Provide updated [redacted] for testing to reevaluate and re-baseline this exception.<br>Buyer Comment (2025-04-30): [redacted]<br>Buyer Comment (2025-04-30): Please see uploaded LOE and tracking<br>| 05/07/2025 |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 24282818 | XXXX |  | 34192784 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | TRID Initial Loan Estimate Timing Electronically provided, not within [redacted] business days of loan app. |  |  |  | Reviewer Comment (2025-05-07): [redacted] Received Initial loan estimate dated [redacted]<br>Buyer Comment (2025-05-06): Original version of [redacted] sent to borrower<br>Reviewer Comment (2025-05-01): [redacted] received[redacted] dated [redacted] with "VOID" [redacted] on all the pages. Provide updated [redacted] for testing to reevaluate and re-baseline this exception.<br>Buyer Comment (2025-04-30): Disclosure tracking - sent and received on [redacted]<br>Buyer Comment (2025-04-30): Initial [redacted]<br>| 05/07/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 2105290371 | XXXX |  | 34192800 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-05-27): Investor accepts and agrees to waive with compensating factors.<br>| 05/27/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 2105290371 | XXXX |  | 34192799 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Raised exception for additional assets as bank statements provided on final 1003 are not available in the file. Available for Closing is insufficient to cover Cash to close and reserves requirement. |  |  |  | Reviewer Comment (2025-04-28): Received additional asset documents per 1003. exception cleared.<br>Buyer Comment (2025-04-28): asset docs<br>| 04/28/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 2105290371 | XXXX |  | 34192798 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Raised exception for DTI as Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline's required total debt ratio of [redacted]%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The representative FICO score is above [redacted]. | [redacted] | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-27): Investor accepts and agrees to waive with compensating factors.<br>Reviewer Comment (2025-04-30): Disregarder per latest comment<br>Buyer Comment (2025-04-28): Disregard<br>Buyer Comment (2025-04-28): Per lender: "are we able to get an exception for the DTI issue?"<br>|  |  | 05/27/2025 | 2<br> C<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 2105290371 | XXXX |  | 34192797 |  | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | Require Trust Agreement - [redacted] for [redacted] Account ending with [redacted] |  |  |  | Reviewer Comment (2025-04-30): Received Trust agreement for The[redacted]. Exception Cleared<br>Buyer Comment (2025-04-28): Disregard<br>Buyer Comment (2025-04-28): Per Lender: "are we able to get an exception for the DTI issue?"<br>Buyer Comment (2025-04-28): Trust<br>| 04/30/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 2105290371 | XXXX |  | 34192796 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1. Require Award Letter for Social Security Income B1 unable to ascertain which SS income is B1.<br> 2. Missing assets for B1 for IRA Distribution Income to confirm continued receipt.<br> 3. Require Award Letter for Social Security Income for B2 unable to ascertain which SS income deposit is B2.<br> 4. For B1 require 1040 for Year [redacted] and [redacted] to confirm Interest/Dividend Income.<br> 5. For B1require assets to confirm continued receipt. |  |  |  | Reviewer Comment (2025-05-13): Received Award letter for IRA Distribution income of [redacted] and Account [redacted] have sufficient balance to meet the [redacted] Years continence requirement. Exception Cleared<br>Buyer Comment (2025-05-09): [redacted] documentation with award letter and proof of withdrawal of 8k<br>Reviewer Comment (2025-05-06): Received [redacted] and [redacted] 1040 showing [redacted] account and other Fidelity Investment account showing sufficient asset to get continue receipt, additionally have sufficient balance to support the post close Income receipt. Sill missing IRA Award letter as provided bank statement showing only one deposit of [redacted] however unable to ascertain which account used for qualification as provided borrower IRA statement does not shows Withdrawal amount. Exception Remains<br>Buyer Comment (2025-05-06): I will reach back out to the Seller to advise on : Also for[redacted] distribution unable to ascertain which account used for qualification as provided borrower IRA statement does not shows Withdrawal amount and Award letter from Bank is also missing.<br>Buyer Comment (2025-05-06): [redacted] are located [redacted]<br>Buyer Comment (2025-05-06): IRA information is starts on pg [redacted], then again [redacted]<br>Buyer Comment (2025-05-02): taxes<br>Reviewer Comment (2025-04-30): Received [redacted] Letter for Both borrower, however still missing 1) For [redacted] require 1040 for Year [redacted] and [redacted] to confirm Interest/Dividend Income and require assets to confirm continued receipt, as unable to Verify which stock account were require Int/dividend income as 1040 is missing, Also for IRA distribution unable to ascertain which account used for qualification as provided borrower IRA statement does not shows Withdrawal amount and Award letter from Bank is also missing. Exception Remains<br>Buyer Comment (2025-04-28): award letter<br>| 05/13/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 2105290371 | XXXX |  | 34192793 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of$[redacted] exceeds tolerance of$[redacted] plus [redacted]% or$[redacted]. Insufficient or no cure was provided to the borrower. | "[redacted]% tolerance was exceeded by$[redacted] due to increase of$[redacted] - Title - Recording Fee - $[redacted], Title - Settlement/closing/escrow fee -$[redacted], Title - Lender's Title Insurance -$[redacted] and Title - Notary Fee -$[redacted]. No valid COC provided, $[redacted] evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include$[redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-05-12): [redacted] received lender attestation confirming which[redacted] is final CD<br>Buyer Comment (2025-05-12): The Lender agrees on the [redacted]% testing - why would it be removed from the [redacted]% tolerance category? The LOE was in regards to removing one of the final CDs from testing - please re-review.<br>Reviewer Comment (2025-05-12): [redacted] received LOE, however title fee disclosed in section C on the final LE indicates the borrower may shop for these fees. If borrower has not shopped from the SSPL, corrected PCCD and LOE moving the title fee from sec b to sec is required or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-05-09): LOX<br>Reviewer Comment (2025-05-09): [redacted] received the Seller CD, for which is not valid document to re-baseline borrower paid fees. If the seller can provide alternate documentation of which CD was used at closing [redacted] will retest. Disclosure of fees in section C on the final LE indicates the borrower may shop for these fees. Disclosure of these fees in section B on the final CD indicates the borrower did not shop for these fees. Provider listed on SSPL is [redacted]Title. Fees on CD were paid to [redacted] of [redacted]. If both a Title company are different then required LOX with Corrected CD moving the title fees to Section C or Cure in the amount of$[redacted] is required. The remediation package should contain PCCD, LOE, Copy of Refund Check, and Proof of Mailing.<br>Buyer Comment (2025-05-07): Seller CD<br>Reviewer Comment (2025-05-05): The attorney fee is not included in [redacted]% calculations because it was not imposed on the borrower at closing. Under comment to[redacted](ii)-5, a creditor should compare the sum of the charges actually paid by or imposed on the consumer with the sum of the estimated charges on the Loan Estimate that are actually performed. If a service is not charged to the borrower, the estimate for that charge should be removed from the total amount of estimated charges. Doc[redacted]was used as final testing CD since the Title - Lenders Title insurance amount was higher than the other [redacted] Testing was done in this fashion to preserve a more conservative review aspect. The date and time of issuance noted on most CDs is blurred on these CDs in the bottom left hand corner. If the seller can present documentation of which CD was used at closing [redacted] will retest. Disclosure of fees in section C on the final [redacted] indicates the borrower may shop for these fees. Disclosure of these fees in section B on the final CD indicates the borrower did not shop for these fees. Cure in the amount of$[redacted] is required. The remediation package should contain PCCD, LOE, Copy of Refund Check, and Proof of Mailing.<br>Buyer Comment (2025-05-05): Please also review the$[redacted] attorney fee[redacted]does not have this in their [redacted]% calculation for some reason.<br>Buyer Comment (2025-05-05): Please re-review rebuttal - the Lender is also testing to [redacted]<br>Buyer Comment (2025-05-05): Please re-review. the TItle fees were disclosed as shoppable on all LEs. the borrower was aware they could shop. The fees were only moved to section B at closing.<br>Reviewer Comment (2025-05-05): [redacted] received [redacted]. However, the Title fees were disclosed is in section B final CD under borrower cannot shopped for the service section, hence the fees are calculated under [redacted]% tolerance. The Settlement/closing/escrow fee, Lender's Title Insurance, Notary Fee and Recording fee increased, which is causing the fees were exceeds over [redacted]% tolerance. A valid COC is required for the fee was increased or Cure is required to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check.<br>Buyer Comment (2025-05-01): [redacted]<br>Reviewer Comment (2025-04-29): [redacted] received rebuttal. However, the file is missing SSPL. Kindly provide SSPL in order to re-evaluate the fees. Once SSPL is received we will action accordingly.<br>Buyer Comment (2025-04-28): Lender rebuttal<br>| 05/12/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 2105290371 | XXXX |  | 34192795 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Raised exception for additional assets as bank statements provided on final 1003 are not available in the file. Available for Closing is insufficient to cover Cash to close and reserves requirement. |  |  |  | Reviewer Comment (2025-05-13): Trust agreement received For [redacted]. Exception Cleared<br>Reviewer Comment (2025-04-28): Received additional asset statement as per 1003. however require Trust agreement for i) The [redacted] for Trust account[redacted]. exception remains.<br>Buyer Comment (2025-04-28): assets<br>Buyer Comment (2025-04-24): Documented qualifying Assets for Closing of$[redacted] is less than Cash From Borrower$[redacted] + reserves$[redacted].<br>Buyer Comment (2025-04-24): Updated- Documented qualifying Assets for Closing of$[redacted] is less than Cash From Borrower$[redacted].<br>| 05/13/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 2105290371 | XXXX |  | 34192788 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower within [redacted] days of closing was not provided. Waiver not provided. |  |  |  | Reviewer Comment (2025-05-13): Received Original Appraisal report. Exception Cleared<br>Buyer Comment (2025-05-09): Original appraisal report<br>Reviewer Comment (2025-04-28): Acknowledgement provided. Provide the original appraisal. Delivery is dated [redacted] and the appraisal is dated [redacted]<br>Buyer Comment (2025-04-25): Appraisal acknowledgement<br>| 05/13/2025 |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 2105290371 | XXXX |  | 34192789 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | The file was missing a copy of the Settlement Service Provider List disclosure provided to the borrower within three business days of the Originator's application date. |  |  |  | Reviewer Comment (2025-05-12): [redacted] received SSPL Disclosure<br>| 05/12/2025 |  |  | 1<br> A |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 2105290371 | XXXX |  | 34192792 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [redacted]% moderately exceeds the guideline maximum of [redacted]% . (DTI Exception is eligible to be regraded with compensating factors.) | The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [redacted]% moderately exceeds Guideline's required total debt ratio of [redacted]% | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The representative FICO score is above [redacted]. | [redacted] | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-27): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (2025-05-27): [redacted] accepts - exception.<br>|  |  | 05/27/2025 | 2<br> C<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 2105290371 | XXXX |  | 34192791 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-05-27): Investor accepts and agrees to waive with compensating factors.<br>| 05/27/2025 |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 867250316271 | XXXX |  | 34192806 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification require for REO "[redacted] " |  |  |  | Reviewer Comment (2025-05-01): Property is Land only verified with Tax cert no insurance verification require. Exception Cleared<br>Buyer Comment (2025-04-29): Per our Processor the REO for[redacted] is for this is Land only there's no Insurance on the property. Please waive this condition. Thank you!<br>| 05/01/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Cash-out - Other | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 867250316271 | XXXX |  | 34192808 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of$[redacted] exceeds tolerance of$[redacted] plus [redacted]% or$[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by$[redacted]due to increase of Notary fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-04-29): [redacted] received valid COC document<br>Buyer Comment (2025-04-28): COC<br>| 04/29/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 202499813950 | XXXX |  | 34192811 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of$[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-24): Sufficient Cure Provided At Closing<br>|  | 04/24/2025 |  | 1<br> A |  | XXXX | Second Home | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 202499813950 | XXXX |  | 34192816 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ | "Provided CDA shows variance more than [redacted]%, Field review provided to meet the requirement, override" This is an informational EV2 exception and must be waived. |  |  |  | Buyer Comment (2025-04-29): Field review in file. Supports value within [redacted]% tolerance. | Buyer Comment (2025-04-29): Field review in file. Supports value within [redacted]% tolerance. |  | 04/29/2025 | 2<br> A<br> B |  | XXXX | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 202499813950 | XXXX |  | 34192817 |  | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | Trust agreement missing for "[redacted]" of trust fund account # [redacted] |  |  |  | Reviewer Comment (2025-05-01): Account [redacted] is combined of Multiple Account includes, IRA, Stocks, Trust and Lender used Combined asset value used for qualification per [redacted]AUS. Per Lender Comment Without Trust account Cash to close and Reserve requirement are met. therefore Trust account excluded from testing to remove trust agreement requirement. Exception Cleared<br>Buyer Comment (2025-04-29): per lender: UW asks - Is this absolutely necessary to get the trust documents because even without the$[redacted] from that trust account the borrowers still had [redacted] [redacted] in assets after closing and reserves.<br>| 05/01/2025 |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 202499813950 | XXXX |  | 34192818 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower within [redacted] days of closing was not provided. Waiver not provided. |  |  |  | Buyer Comment (2025-04-29): Delivery documentation did not provide a download date. Email sent [redacted] Closing date within [redacted] business days . Acknowledged non material [redacted]<br>|  |  | 04/29/2025 | 2<br> B |  | XXXX | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 2503011279 | XXXX |  | 34192820 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Right to Cancel was issued on incorrect form. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-9 Form must be used as lender is the same as originating lender. |  |  |  | Reviewer Comment (2025-05-29): New [redacted] provided on correct model form provided to borrower.<br>Buyer Comment (2025-05-27): NRTC<br>|  | 05/29/2025 |  | 2<br> B |  | XXXX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 2408010829 | XXXX |  | 34192825 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of$[redacted] exceeds tolerance of$[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing. |  |  |  | Reviewer Comment (2025-05-06): Sufficient Cure Provided At Closing<br>|  | 05/06/2025 |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 58524090029795 | XXXX |  | 34192830 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | The 1008 and the AUS have a DTI over [redacted]% . | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The representative FICO score is above [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-20): Investor exception provided.<br>Buyer Comment (2025-05-19): investor exception approval<br>|  |  | 05/20/2025 | 2<br> B |  | XXXX | Primary | Refinance - Rate/Term | A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 58524090029795 | XXXX |  | 34192832 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | This is due to the DTI exceeding [redacted]% . |  |  |  | Reviewer Comment (2025-05-20): Cleared. Exception provided.<br>Buyer Comment (2025-05-20): see exception<br>| 05/20/2025 |  |  | 1<br> A |  | XXXX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 58524090029795 | XXXX |  | 34192831 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [redacted]% moderately exceeds the guideline maximum of [redacted]% . (DTI Exception is eligible to be regraded with compensating factors.) |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The representative FICO score is above [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-20): Investor exception provided.<br>Buyer Comment (2025-05-19): investor exception approval<br>|  |  | 05/20/2025 | 2<br> B |  | XXXX | Primary | Refinance - Rate/Term | A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000070894 | XXXX |  | 34192833 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is missing secondary valuation product required for securitization. |  | CDA required. |  |  |  | Reviewer Comment (2025-05-23): Received CDA. Exception Cleared.<br>Seller Comment (2025-05-23): Comment from [Redacted]): Please see attached<br>Reviewer Comment (2025-05-19): Jumbo Prime loans require CDA per guidelines.<br>Buyer Comment (2025-05-19): Comment from [redacted]: CU score is [redacted]. Please advise why a CDA is required?<br>| 05/23/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000070894 | XXXX |  | 34192835 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-04-15): Accepted as is.<br>|  |  | 04/15/2025 | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000070894 | XXXX |  | 34192837 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of$[redacted] exceeds tolerance of$[redacted]plus [redacted]% or$[redacted] Insufficient or no cure was provided to the borrower. | Without Sufficient Cure Provided at Closing, No Valid COC provided. |  |  |  | Reviewer Comment (2025-05-19): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-05-19): Comment from [Redacted]): Recording Fee cure will be = (Recording Fee on FCD - {[Redacted]}) = $[Redacted] - {[Redacted]}) =$[redacted]and cure of$[redacted]was already provided at closing stage and the amount was adjusted in borrower CTC. Please find attached FCD for reference<br>| 05/19/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 4000070894 | XXXX |  | 34192838 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of$[redacted] exceeds tolerance of$[redacted]. Insufficient or no cure was provided to the borrower. | Without Sufficient Cure Provided at Closing, No Valid COC provided. |  |  |  | Reviewer Comment (2025-05-30): [Redacted] received snip of receipt of appraisal on [Redacted].<br>Seller Comment (2025-05-29): Comment from[Redacted]): Please review the COC and advise if we can clear this condition<br>Reviewer Comment (2025-05-28): [Redacted] received COC dated [redacted] however the fee added on LE dated [Redacted] for$[redacted]indly provide a valid COC for the fee added or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Seller Comment (2025-05-27): Comment from [Redacted]): Please see attached<br>Reviewer Comment (2025-05-27): [Redacted] Received COC dated [Redacted] without explanation and Appraisal re-inspection fee added on LE dated [Redacted] which is prior to COC[Redacted]. Provide Valid COC with explanation for addition of Appraisal re-inspection on LE dated [Redacted]. COC should be within [Redacted]days and prior to LE dated [Redacted].<br>Seller Comment (2025-05-23): Comment from [Redacted]): Please see attached<br>Reviewer Comment (2025-05-19): [Redacted] Final inspection fee added on LE dated[Redacted] without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-05-19): Comment from [Redacted]): Appraisal Inspection fee of $[Redacted]was added on Redisclosure [Redacted]dated [Redacted]. The fee has been added on [Redacted] and disclosed on same day. Please find below snip along with Redisclosure [Redacted]. Hence, no cure needed.<br>| 05/30/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 4000070894 | XXXX |  | 34192839 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | Desk review required per guidelines as secondary valuation |  |  |  | Reviewer Comment (2025-05-27): Received CDA. Exception cleared.<br>Seller Comment (2025-05-23): Comment from[Redacted]): Please see attached<br>| 05/27/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000070894 | XXXX |  | 34192840 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of$[redacted] exceeds tolerance of$[redacted]plus [redacted]% or$[redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-30): Sufficient Cure Provided At Closing<br>|  | 05/30/2025 |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 4000072809 | XXXX |  | 34192845 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of$[redacted] exceeds tolerance of$[redacted] plus [redacted]% or$[redacted]. Insufficient or no cure was provided to the borrower. | No cure was provided. |  |  |  | Reviewer Comment (2025-05-20): [Redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-05-19): Comment from[Redacted] To ([Redacted]): See attached documents to cure.<br>Reviewer Comment (2025-05-08): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the recording fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-05-07): Comment from [redacted]: See attached redisclosed CD<br>|  | 05/20/2025 |  | 2<br> C<br> B |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 4000072809 | XXXX |  | 34192841 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Loan is to be securitized. Secondary valuation is missing. |  |  |  | Reviewer Comment (2025-05-06): Received CDA. Exception cleared.<br>Seller Comment (2025-05-06): Comment from [redacted]: See attached CDA report.<br>| 05/06/2025 |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000072809 | XXXX |  | 34192843 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-05-01): Accepted as is.<br>|  |  | 05/01/2025 | 2<br> B |  | XXXX | Primary | Purchase | D<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000072507 | XXXX |  | 34192846 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing for both borrowers. |  |  |  | Reviewer Comment (2025-05-13): Received Fraud Report. Exception cleared.<br>Seller Comment (2025-05-13): Comment from[Redacted] ([Redacted]): FG attached<br>| 05/13/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000072507 | XXXX |  | 34192847 |  | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). |  | Security Instrument Signature and Notary Acknowledgement pages [redacted] and [redacted] are missing. |  |  |  | Reviewer Comment (2025-05-13): Received complete Security Instrument. Exception cleared.<br>Seller Comment (2025-05-13): Comment from [Redacted] ([Redacted]): [Redacted] and[Redacted] DOT<br>| 05/13/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000072507 | XXXX |  | 34192851 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of $[redacted] exceeds tolerance of$[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of $[redacted] exceeds tolerance of$[redacted]. Excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-05-13): Sufficient Cure Provided At Closing<br>|  | 05/13/2025 |  | 1<br> A |  | XXXX | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 4000072507 | XXXX |  | 34192852 |  | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided |  |  |  |  |  | Reviewer Comment (2025-05-15): Received, Clearing.<br>Reviewer Comment (2025-05-13): Legal Description must be on a separate Schedule A document.<br>Seller Comment (2025-05-13): Comment from [Redacted] [Redacted]): Legal Description on Page [Redacted]of [Redacted]<br>| 05/15/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000075919 | XXXX |  | 34192857 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of$[redacted] exceeds tolerance of$[redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-05): [Redacted] Received Letter of explanation for fee name variance on LE.<br>Seller Comment (2025-06-04): Comment from[Redacted]([Redacted]): Attestation/LOE<br>| 06/05/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 4000072975 | XXXX |  | 34192858 |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within [redacted] days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ |  |  |  |  | Reviewer Comment (2025-05-23): Client elects to waive<br>|  |  | 05/23/2025 | 2<br> B |  | XXXX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000072975 | XXXX |  | 34192860 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] [redacted] business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Reviewer Comment (2025-05-23): Client elects to waive<br>|  |  | 05/23/2025 | 2<br> B |  | XXXX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000072975 | XXXX |  | 34192862 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of$[redacted] exceeds tolerance of$[redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of$[redacted] exceeds tolerance of$[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-28): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-05-27): Comment from[Redacted] ([Redacted]): [Redacted]<br>|  | 05/28/2025 |  | 2<br> C<br> B |  | XXXX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 4000072975 | XXXX |  | 34192863 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of$[redacted] exceeds tolerance of$[redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of$[redacted] exceeds tolerance of$[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-28): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-05-27): Comment from [Redacted] ([Redacted]): TOLERANCE CURE<br>|  | 05/28/2025 |  | 2<br> C<br> B |  | XXXX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 4000072975 | XXXX |  | 34192864 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of$[redacted] exceeds tolerance of$[redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of$[redacted] exceeds tolerance of$[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-28): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-05-27): Comment from [Redacted] ([Redacted]): TOLERANCE CURE<br>|  | 05/28/2025 |  | 2<br> C<br> B |  | XXXX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 4000076923 | XXXX |  | 34192867 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within [redacted] [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  | Reviewer Comment (2025-06-03): [Redacted] received disclosures summary and eConsent accepted by borrower on [Redacted].<br>Seller Comment (2025-06-02): Comment from [Redacted]([Redacted]): Disclosure Tracking<br>| 06/03/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000076923 | XXXX |  | 34192866 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-06-02): Accepted as is.<br>|  |  | 06/02/2025 | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000078659 | XXXX |  | 34192871 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-06-09): Accepted as is.<br>|  |  | 06/09/2025 | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | ZG001250187725 | XXXX |  | 34192898 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Signed copy of closing statement from sale of [redacted], is missing. |  |  |  | Reviewer Comment (2025-05-01): Received Truly & certified stamped Closing statement for Sold property[Redacted]. Exception Cleared<br>Buyer Comment (2025-04-29): per lender : this is the Certified final ALTA provided by the settlement which meets guideline requirements<br>| 05/01/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | ZG001250187725 | XXXX |  | 34192901 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of$[redacted]exceeds tolerance of$[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at closing. |  |  |  | Reviewer Comment (2025-04-14): Sufficient Cure Provided At Closing<br>|  | 04/14/2025 |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | ZG001250187725 | XXXX |  | 34192902 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Updated AUS is required with ineligible finding for loan amount only. |  |  |  | Reviewer Comment (2025-05-01): Received updated AUS with ineligible fining for loan amount only. Exception Cleared<br>Buyer Comment (2025-04-29): Revised AUS<br>| 05/01/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | ZG001250187725 | XXXX |  | 34192903 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | W-2 transcript for [redacted] and [redacted] provided, w-2 transcript with no records found for [redacted] received. |  |  |  | Reviewer Comment (2025-05-01): Received [Redacted], [redacted] W-2 Transcript and [redacted] W-2 Transcript with no result provided. Exception Cleared<br>Buyer Comment (2025-04-29): per lender: This borrower is a W2 earner (just like the co-borrower), so we need them to clarify why they are asking for [Redacted] transcripts because the guidelines don't require this when the borrower is only a wage earner (like the co-borrower). W2 transcripts are acceptable. [redacted] wasn't available through the IRS so we also obtained [redacted] and [Redacted]. They accepted this for the co-borrower, so it is unclear why they aren't accepting for the primary borrower.<br>| 05/01/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | ZG001250187364 | XXXX |  | 34192905 |  | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | Require executed and complete pages of [redacted] to evidence access to funds into Trust account with [redacted] [redacted]. Only Page 1 was provided. |  |  |  | Reviewer Comment (2025-05-09): Received Complete Trust agreement for [Redacted] shows borrower as Trustee/Grantor. Exception Cleared<br>Buyer Comment (2025-05-08): Trust<br>| 05/09/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | ZG001250187364 | XXXX |  | 34192906 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Require purchase agreement for the subject property. |  |  |  | Reviewer Comment (2025-04-23): Received purchase contract and Sales addendum with Qualified Sales price. and Escrow company email confirmation stating Co-seller Trustee[Redacted] is deceased. Exception Cleared<br>Buyer Comment (2025-04-22): purchase contract<br>| 04/23/2025 |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | ZG001250187364 | XXXX |  | 34192907 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by$[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Finance Charge disclosed is$[redacted]. Calculated finance charge is$[redacted]. Variance of$[redacted] |  |  |  | Reviewer Comment (2025-04-24): [Redacted] received Corrected CD, LOE to borrower and copy of final settlement statement for final for fees.<br>Buyer Comment (2025-04-23): Final Settlement statement - please also see uploaded LOE and PCCD and confirm the cure the lender arrived at is sufficient.<br>Buyer Comment (2025-04-23): PCCD<br>Buyer Comment (2025-04-23): LOE<br>Reviewer Comment (2025-04-23): While a notary fee itself (for notarial action) paid to a third party may be excluded from finance charge under[Redacted]), a signing fee or charge for "mobile" notary to come to borrower to conduct signing is not excluded from finance charge. Only flat amount for notarizing documents as authorized by law is excludable. See commentary under [Redacted] below:<br> [Redacted]. Notary fees. In order for a notary fee to be excluded under §[Redacted], all of the following conditions must be met:<br> i. The document to be notarized is one used to perfect, release, or continue a security interest.<br> ii. The document is required by law to be notarized.<br> iii. A notary is considered a public official under applicable law.<br> iv. The amount of the fee is set or authorized by law.<br>If the fee disclosed represents a notary and signing fee lumped together, the total would be considered a finance charge unless it can be demonstrated which portion was allocated for which service.<br>While notary fees (for notarial action) paid to a third party may be excluded from finance charge under [Redacted]) , a signing fee would not be considered excludable. If this fee represents a notary and signing fee lumped together, the total would be considered a finance charge. Please provide an explanation for the purpose of the entire amount of the loan doc signing fee.<br>Buyer Comment (2025-04-22): Please advise why$[redacted] Notary fee was included in compliance testing?<br>| 04/24/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> D<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | ZG001250187364 | XXXX |  | 34192908 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by$[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the$[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Finance Charge disclosed is$[redacted]. Calculated finance charge is$[redacted]. Variance of $-[redacted]. Missing Itemization of Amount Financed. |  |  |  | Reviewer Comment (2025-04-24): [Redacted] received Corrected CD, LOE to borrower and copy of final settlement statement for final for fees.<br>Reviewer Comment (2025-04-23): While a notary fee itself (for notarial action) paid to a third party may be excluded from finance charge under [Redacted], a signing fee or charge for "mobile" notary to come to borrower to conduct signing is not excluded from finance charge. Only flat amount for notarizing documents as authorized by law is excludable. See commentary under [Redacted] below:<br> [Redacted]. Notary fees. In order for a notary fee to be excluded under [Redacted]), all of the following conditions must be met:<br> i. The document to be notarized is one used to perfect, release, or continue a security interest.<br> ii. The document is required by law to be notarized.<br> iii. A notary is considered a public official under applicable law.<br> iv. The amount of the fee is set or authorized by law.<br>If the fee disclosed represents a notary and signing fee lumped together, the total would be considered a finance charge unless it can be demonstrated which portion was allocated for which service.<br>While notary fees (for notarial action) paid to a third party may be excluded from finance charge under [Redacted]) , a signing fee would not be considered excludable. If this fee represents a notary and signing fee lumped together, the total would be considered a finance charge. Please provide an explanation for the purpose of the entire amount of the loan doc signing fee.<br>Buyer Comment (2025-04-22): Please advise why$[redacted] Notary fee was included in compliance testing?<br>| 04/24/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> D<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | ZG001250187364 | XXXX |  | 34192911 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of$[redacted] exceeds tolerance of$[redacted] plus [redacted]% or$[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] received Corrected CD, LOE to borrower and copy of final settlement statement for final for fees. Recording fees increased to $[redacted] and over tolerance. $[redacted] cure was not provided at closing or post close. Provide Corrected CD, LOE to borrower, copy of cure refund for $[redacted] and proof of mailing. |  |  |  | Reviewer Comment (2025-04-29): [Redacted] received corrected PCCD reconciled with the final SS and LOE.<br>Buyer Comment (2025-04-28): LOE<br>Buyer Comment (2025-04-28): PCCD<br>|  | 04/29/2025 |  | 2<br> B |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | ZG001250189983 | XXXX |  | 34192913 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Other monthly expenses of $[redacted] document is missing for the REO property "[redacted]" |  |  |  | Reviewer Comment (2025-05-06): Received updated 1003/1008 without$[redacted]other expenses. DTI is within [Redacted]% toleration no further documentation require. Exception Cleared<br>Buyer Comment (2025-05-02): 1003<br>Buyer Comment (2025-05-02): Lender comment: Corrected [Redacted] attached. DU does not need to be reran as DTI decreases by [Redacted]<br>| 05/06/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | ZG001250189983 | XXXX |  | 34192916 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by$[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Finance Charge disclosed is$[redacted]. Calculated finance charge is$[redacted]. Variance of$[redacted]. Based on review of Lender's compliance report, Title-Services Sales Tax fee was not included in finance charge calculation. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD, and Re-open Rescission if Applicable |  |  |  | Reviewer Comment (2025-05-21): [Redacted]received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-05-20): Please see uploaded cure docs to Finance Charge exception<br>|  | 05/21/2025 |  | 2<br> C<br> B |  | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | ZG001250189983 | XXXX |  | 34192917 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by$[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the$[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Finance Charge disclosed is$[redacted]. Calculated finance charge is$[redacted]. Variance of $-[redacted]. Based on review of Lender's compliance report, Title-Services Sales Tax fee was not included in finance charge calculation. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD, and Re-open Rescission if Applicable |  |  |  | Reviewer Comment (2025-05-21): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-05-20): LOE, PCCD, refund check and tracking<br>|  | 05/21/2025 |  | 2<br> C<br> B |  | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |

---

------

![](logo_situs.jpg)

#### Valuation Report

#### Run Date - 8/27/2025 2:10:14 PM

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX | 3555607605 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XXXX | 3558329431 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | -3.230% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 3560515238 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| XXXX | 3562466331 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 3560380077 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| XXXX | 4000070688 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| XXXX | 4000071692 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | 4000069512 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | -7.990% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.20 |
| XXXX | 4000065456 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.00 |
| XXXX | 4000069101 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | -6.250% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.60 |
| XXXX | 4000070421 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000073629 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.90 |
| XXXX | 4000070790 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| XXXX | 4000072698 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| XXXX | 83011050211 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 2024-3450611 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| XXXX | 24282818 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| XXXX | 2105290371 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 17371023845 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXX | 867250316271 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 202499813950 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | -12.500% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| XXXX | 2503011279 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | 2408010829 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | 58524090029795 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXXX | 4000070894 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| XXXX | 4000072809 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000072507 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000075690 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| XXXX | 4000075919 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000072975 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.30 |
| XXXX | 4000076923 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
| XXXX | 4000077678 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.60 |
| XXXX | 4000078659 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | ZG001250187725 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXX | ZG001250187364 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | ZG001250189983 | XXXX |  |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |

---

------

![](logo_situs.jpg)

#### Supplemental Data

#### Run Date - 8/27/2025 2:10:15 PM

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | US Citizen | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 |  | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | US Citizen | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No | 26 | 25 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | XXXX | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  | Other | Not Stated |  |  |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | US Citizen | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No | 26 | 14 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | US Citizen | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | US Citizen | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | US Citizen | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 | 0 | 0 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | US Citizen | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | 2 | 0 | 4 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | US Citizen | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 0 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | US Citizen | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 0 | 0 | 0 | 2 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  | 2 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | XXXX | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | US Citizen | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No |  | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | US Citizen | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | US Citizen | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 1 | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | US Citizen | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 1 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | XXXX | No |  | 9 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | US Citizen | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 | 3 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No | 26 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  | 3 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | US Citizen | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 | 3 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX | No | 26 | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |

---

------

![](logo_situs.jpg)

#### ASF

#### Run Date - 8/27/2025 2:10:16 PM

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Primary Servicer** | **Servicing Fee Percentage** | **Servicing Fee Flat Dollar** | **Servicing Advance Methodology** | **Originator** | **Loan Group** | **Loan Number** | **Amortization Type** | **Lien Position** | **Heloc Indicator** | **Loan Purpose** | **Cash Out Amount** | **Total Origination and Discount Points in Dollars** | **Covered High Cost Loan Indicator** | **Relocation Loan Indicator** | **Broker Indicator** | **Channel** | **Escrow Indicator** | **Senior Loan Amounts** | **Loan Type of Most Senior Lien** | **Hybrid Period of Most Senior Lien in Months** | **Neg Am Limit of Most Senior Lien** | **Junior Mortgage Balance** | **Origination Date of Most Senior Lien** | **Origination Date** | **Original Loan Amount** | **Original Interest Rate** | **Original Amortization Term** | **Original Term to Maturity** | **First Payment Date of Loan** | **Interest Type Indicator** | **Original Interest Only Term** | **Buy Down Period** | **HELOC Draw Period** | **Current Loan Amount** | **Current Interest Rate** | **Current Payment Amount Due** | **Interest Paid Through Date** | **Current Payment Status** | **Index Type** | **ARM Look Back Days** | **Gross Margin** | **ARM Round Flag** | **ARM Rounding Factor** | **Initial Fixed Rate Period** | **Initial Interest Rate Cap Change Up** | **Initial Interest Rate Cap Change Down** | **Subsequent Interest Rate Reset Period** | **Subsequent Interest Rate Change Down** | **Subsequent Interest Rate Change Up** | **Lifetime Maximum Rate Ceiling** | **Lifetime Minimum Rate Floor** | **Negative Amortization Limit** | **Initial Negative Amortization Recast Period** | **Subsequent Negative Amortization Recast Period** | **Initial Fixed Payment Period** | **Subsequent Payment Reset Period** | **Initial Periodic Payment Cap** | **Subsequent Periodic Payment Cap** | **Initial Minimum Payment Reset Period** | **Subsequent Minimum Payment Reset Period** | **Option ARM Indicator** | **Options at Recast** | **Initial Minimum Payment** | **Current Minimum Payment** | **Prepayment Penalty Calculation** | **Prepayment Penalty Type** | **Prepayment Penalty Total Term** | **Prepayment Penalty Hard Term** | **Primary Borrower ID** | **Number of Mortgaged Properties** | **Total Number of Borrowers** | **Self Employment Flag** | **Current Other Monthly Payment** | **Length of Employment Borrower** | **Length of Employment Co Borrower** | **Years in Home** | **FICO Model Used** | **Most Recent FICO Date** | **Primary Wage Earner Original FICO Equifax** | **Primary Wage Earner Original FICO Experian** | **Primary Wage Earner Original FICO Transunion** | **Secondary Wage Earner Original FICO Equifax** | **Secondary Wage Earner Original FICO Experian** | **Secondary Wage Earner Original FICO Transunion** | **Most Recent Primary Borrower FICO** | **Most Recent Co Borrower FICO** | **Most Recent FICO Method** | **Vantagescore Primary Borrower** | **Vantagescore Co Borrower** | **Most Recent Vantagescore Method** | **Vantagescore Date** | **Credit Report Longest Trade Line** | **Credit Report Maximum Trade Line** | **Credit Report Number of Trade Lines** | **Credit Line Usage Ratio** | **Most Recent 12 Month Pay History** | **Months Bankruptcy** | **Months Foreclosure** | **Primary Borrower Wage Income** | **Co Borrower Wage Income** | **Primary Borrower Other Income** | **Co Borrower Other Income** | **All Borrower Wage Income** | **All Borrower Total Income** | **4506T/C Indicator** | **Borrower Income Verification Level** | **Co Borrower Income Verification Level** | **Borrower Employment Verification Level** | **Co Borrower Employment Verification Level** | **Borrower Asset Verification Level** | **Co Borrower Asset Verification Level** | **Liquid Cash Reserves** | **Monthly Debt All Borrowers** | **Originator DTI** | **Fully Indexed Rate** | **Qualification Method** | **Percentage of Down Payment From Borrower Own Funds** | **City** | **State** | **Postal Code** | **Property Type** | **Occupancy** | **Sales Price** | **Original Appraised Property Value** | **Original Property Valuation Type** | **Original Property Valuation Date** | **Original Automated Valuation Model AVM Model Name** | **Original AVM Confidence Score** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Original CLTV** | **Original LTV** | **Original Pledged Assets** | **Mortgage Insurance Company Name** | **Mortgage Insurance Percent** | **MI Lender or Borrower Paid** | **Pool Insurance Co Name** | **Pool Insurance Stop Loss Percent** | **MI Certificate Number** | **Updated DTI Front End** | **Updated DTI Back End** | **Modification Effective Payment Date** | **Total Capitalized Amount** | **Total Deferred Amount** | **Pre Modification Interest Note Rate** | **Pre Modification P&I Payment** | **Pre Modification Initial Interest Rate Change Downward Cap** | **Pre Modification Subsequent Interest Rate Cap** | **Pre Modification Next Interest Rate Change Date** | **Pre Modification IO Term** | **Forgiven Principal Amount** | **Forgiven Interest Amount** | **Number of Modifications** | **Real Estate Interest** | **Community Ownership Structure** | **Year of Manufacture** | **HUD Code Compliance Indicator Y/N** | **Gross Manufacturers Invoice Price** | **LTI Loan to Invoice Gross** | **Net Manufacturers Invoice Price** | **LTI Net** | **Manufacturer Name** | **Model Name** | **Down Payment Source** | **Community Related Party Lender Y/N** | **Defined Underwriting Criteria Y/N** | **Chattel Indicator** |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 5 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 3 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 4 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 3 | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 4 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 4 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 3 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 2 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 3 | 2 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 3 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 1 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 3 | XXXX | XXXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 1 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 2 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 2 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 3 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 2 | 1 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.10

![](logo_ca.jpg)

#### EXECUTIVE SUMMARY<br> THIRD PARTY DUE DILIGENCE REVIEW

#### Overview
Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on newly originated residential mortgage loans acquired by Redwood Residential Acquisition Corporation. The review included a total of 144 newly originated residential mortgage loans, in connection with the securitization identified as SEMT 2025-9 (the "Securitization"). The Review was conducted from March 2025 through August 2025 on mortgage loans originated between March 2025 and August 2025.

#### Scope of Review

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

The Credit Review attempted to confirm the following:

<br> a. QM or ATR Validation / Review of 8 Key Underwriting Factors

<br> i. Income / Assets

<br> • Validate borrower(s) monthly gross income

<br> • Validate funds required to close, required reserves

<br> • Review file documentation for required level of income and asset verifications

<br> ii. Employment Status

<br> • Review file documentation for required level of employment

<br> iii. Monthly Mortgage Payment

<br> • Confirm program, qualifying rate, terms

<br> iv. Simultaneous Loans

<br> • Validate all concurrent loans are included in the DTI to properly assess the ability to repay

<br> v. Mortgage Related Obligations: PITI, HOA, PMI, etc.

<br> • Validate subject loan monthly payment (PITI) and associated obligations

<br> vi. Debts / Obligations

<br> • Validate monthly recurring liabilities

<br> vii. DTI and/or Residual Income

<br> • Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

<br> • Documentation meets Appendix Q requirements for QM Loans

<br> viii. Credit History

<br> • Review credit report for credit history and required credit depth including any / all inquiries

<br> • Determine representative credit score from credit report

<br> b. Validate loan-to-value (LTV) and combined loan-to-value

<br> c. Review borrower's occupancy

<br> d. Validation through third party resource of the subject properties most recent twelve (12) month sales history

------

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

<br> f. Confirm that Final 1003 is sufficiently completed

<br> g. Provide Audit 1008 with accurate data based on file documentation

<br> h. Confirm Loan Approval conditions were met

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

<br> j. General QM for any loans originated under the GQM Rule

<br> i. Pricing Thresholds:

<br> a. Pricing for First Lien Loans:

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

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

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

<br> b. Pricing for Subordinate Lien Loans:

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

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

<br> c. Pricing for Manufactured Homes:

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

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

<br> ii. Consider Income and Assets:

<br> o Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan);

<br> o The consumer's debt obligations, alimony, child support; and

<br> o The monthly DTI or residual income.

<br> iii. Verification of Income and Assets:

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

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

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

------

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

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

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

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

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

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

<br> a. Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

<br> b. Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

<br> c. Tolerance Testing

<br> i. Compare Loan Estimate and Closing Disclosures

<br> ii. Identify Tolerance Violations and applicable cost to cure

<br> d. Comprehensive review of Closing Disclosure to determine transaction accuracy

<br> e. Recalculation of APR and Finance Charge

<br> f. Testing of:

<br> i. Federal High-Cost Mortgage provisions

<br> ii. Federal Higher Priced Mortgage Loans provisions

<br> iii. Local and/or State Anti-predatory and HighCost provisions

<br> iv. HOEPA Points and Fees

<br> g. Determine whether specified federal disclosures were provided timely based upon comparison of the application date to the dates on such disclosures

<br> i. Service Provider List

<br> ii. Home Ownership Counselling Disclosure

<br> iii. ARM Disclosure

<br> h. Compliance with QM as it relates to:

<br> i. APR Test

<br> ii. Points & Fees Test

<br> iii. Prepayment Penalty Test

<br> iv. Product Eligibility Testing

<br> i. Notice of Right to Cancel (Rescission) Review

<br> i. Confirm transaction date, expiration date, and disbursement date

<br> ii. Confirm document is properly executed by all required parties to the transaction

<br> iii. Confirm the correct Right of Rescission document was executed for the transaction type

------

<br> j. Confirm through NMLS the loan originator and originating firm's license status was active and properly disclosed on appropriate loan documents

<br> k. Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the Loan(s)

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

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

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

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

<br> b. Review appraisal, determination that property is completely constructed and appraisal is on an "as is basis," or property is identified as not completely constructed by originating appraiser.

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

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

<br> e. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

<br> f. Ensure that the appraisal conforms to the guidelines provided from the Client.

<br> g. Review appraisal to ensure all required documents were included.

<br> h. Review location map provided within the appraisal for external obsolescence.

<br> i. Ensure highest and best use and zoning complies with guidelines.

<br> j. Confirm there are no marketability issues that affect the subject property.

<br> k. Ensure subject property does not suffer any functional obsolescence.

<br> l. Where applicable, determine if the file did not contain the appraisal or other valuation method and a review could not be performed.

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

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

------

For loans reviewed in a post-close valuation review scenario (144 loans in total):

Ten (10) loans had a Secondary Appraisal, zero (0) loans had an AVM, and one hundred twenty-nine (129) loans had a Desktop Review.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There was one (1) occurrence of this.

One (1) loan had a Field Review or BPO, one (1) loan had a Second Desk Review, and one hundred forty-three (143) loans had a Full Appraisal Review.

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

#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the one hundred forty-four (144) mortgage loans reviewed, sixty-five (65) unique mortgage loans (45.14% by loan count) had a total of one hundred thirty-one (131) discrepancies across thirty-three (33) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Total Qualified Assets Post-Close | 26 | 19.85% |
| Property Value | 11 | 8.40% |
| Total Closing Costs | 10 | 7.63% |
| Cash Out Amount | 10 | 7.63% |
| Originator DTI | 7 | 5.34% |
| Total Monthly Property Insurance Amount | 6 | 4.58% |
| Qualifying Total Debt Income Ratio | 5 | 3.82% |
| Qualifying LTV | 5 | 3.82% |
| Qualifying FICO | 5 | 3.82% |
| Qualifying CLTV | 5 | 3.82% |
| Subject Property Type | 4 | 3.05% |
| Escrow Flag | 4 | 3.05% |
| Borrower 1 Last Name | 3 | 2.29% |
| Property Zip Code | 3 | 2.29% |
| Refinance Purpose | 2 | 1.53% |
| Borrower 1 SSN | 2 | 1.53% |
| Borrower 2 SSN | 2 | 1.53% |
| Borrower 1 First Name | 2 | 1.53% |
| Interest Rate | 2 | 1.53% |
| Property City | 2 | 1.53% |
| Property State | 2 | 1.53% |
| Property Address | 2 | 1.53% |

---

------

---

| | | |
|:---|:---|:---|
| Borrower 2 Last Name | 1 | 0.76% |
| Secondary Appraised Property Value | 1 | 0.76% |
| Original Loan Amount | 1 | 0.76% |
| ULI | 1 | 0.76% |
| Borrower 2 First Name | 1 | 0.76% |
| Borrower 3 First Name | 1 | 0.76% |
| Borrower 2 Self-Employment Flag | 1 | 0.76% |
| Borrower 3 SSN | 1 | 0.76% |
| Borrower 1 FTHB | 1 | 0.76% |
| Sales Price | 1 | 0.76% |
| Property Attachment Type | 1 | 0.76% |
| **Grand Total** | **131** | **100.00%** |

---

#### Summary of Results

#### OVERALL RESULTS SUMMARY

#### Final Loan Grades

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 133 | $167141009.00 | 92.36% |
| Event Grade B | 11 | $17238496.00 | 7.64% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 144 | $184379505.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 141 | 97.92% |
| Event Grade B | 3 | 2.08% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 144 | 100.00% |

---

------

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 138 | 95.83% |
| Event Grade B | 6 | 4.17% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 144 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 142 | 98.61% |
| Event Grade B | 2 | 1.39% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 144 | 100.00% |

---

------

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

---

| | | | |
|:---|:---|:---|:---|
| Exception Type | Exception Level Grade | Exception Category | Total |
| Credit | A | HMDA Data Tape Not Provided | 90 |
| Credit | A | Borrower 1 Credit Report is Incomplete | 14 |
| Credit | A | Title Coverage is Less than Subject Lien | 13 |
| Credit | A | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | 12 |
| Credit | A | Income and Employment Do Not Meet Guidelines | 6 |
| Credit | A | Asset Qualification Does Not Meet Guideline Requirements | 3 |

---

------

---

| | |
|:---|:---|
| Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | 3 |
| Missing Property Tax Cert | 3 |
| AUS Not Provided | 3 |
| ATR: Reasonable Income or Assets Not Considered | 2 |
| Guideline Seasoning not Met | 2 |
| Missing US Patriot Act Disclosure or ID | 2 |
| AUS Partially Provided | 2 |
| Borrower 1 Business Tax Returns Missing | 2 |
| The Total Hazard Coverage is LESS than the Required Coverage Amount | 2 |
| Missing Trust Agreement | 1 |
| Borrower 1 W2/1099 Missing | 1 |
| Purchase Contract is Missing | 1 |
| Borrower 2 Credit Report is Incomplete | 1 |
| Missing Letter of Explanation (Assets) | 1 |
| Borrower 3 Credit Report is Incomplete | 1 |
| Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | 1 |
| Flood Insurance Expiration Date is before the Disbursement Date | 1 |
| Subject Property Address on Note does not match Insured Property Address | 1 |
| Audited DTI Exceeds AUS DTI | 1 |
| Loan does not conform to program guidelines | 1 |
| The Initial 1003 is Missing | 1 |
| Audited Reserves are less than Guideline Required Reserves (Number of Months) | 1 |
| ATR: Current Employment Not Verified | 1 |
| Asset 6 Missing | 1 |

---

------

---

| | | | |
|:---|:---|:---|:---|
| | | Asset 3 Missing | 1 |
| | | Borrower 1 Executed 4506-T Missing | 1 |
| | | HO6 Master Insurance Policy is Missing | 1 |
| | | SCIF Document is Partially Completed | 1 |
| | | Housing History Does Not Meet Guideline Requirements | 1 |
| | | The Deed of Trust is Incomplete | 1 |
| | | Income 1 Income Trend is Decreasing | 1 |
| | | Borrower 1 3rd Party VOE Prior to Close Missing | 1 |
| | | Third Party Fraud Report not Provided | 1 |
| | | Trust/POA Does Not Meet Guideline Requirements | 1 |
| | | Hazard Insurance Policy is Partial | 1 |
| | | Verification of Borrower Liabilities Missing or Incomplete | 1 |
| | | All Interested Parties Not Checked with Exclusionary Lists | 1 |
| | | HMDA Discrepancy(s) Noted | 1 |
|  |  | ***Total Credit Grade (A) Exceptions:*** | ***188*** |
|  | B | Asset 1 Does Not Meet Guideline Requirements | 1 |
|  | B | Income and Employment Do Not Meet Guidelines | 1 |
|  | B | Asset Qualification Does Not Meet Guideline Requirements | 1 |
|  | B | ***Total Credit Grade (B) Exceptions:*** | ***3*** |
| Compliance | A | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | 10 |
| Compliance | A | Charges That Cannot Increase Test | 9 |
| Compliance | A | Missing Required Affiliated Business Disclosure | 9 |
| Compliance | A | eSigned Documents Consent is Missing | 9 |
| Compliance | A | Initial Closing Disclosure Delivery Date Test | 4 |

---

------

---

| | | | |
|:---|:---|:---|:---|
| | | Charges That In Total Cannot Increase More Than 10% Test | 3 |
| | | RESPA Homeownership Counseling Organizations Disclosure Date Test | 2 |
| | | Initial Loan Estimate Delivery Date Test (from application) | 2 |
| | | Lender Credits That Cannot Decrease Test | 2 |
| | | TX Const, Art 16, § 50(a)(6)(M)(i) - Texas 50(a)(6) Notice for Home Equity Disclosure not provided at least 12-days prior to consummation date | 1 |
| | | Or. Rev. Stat. Ann. § 746.201 Collateral Protection Notice was not provided (Disclosure Page v2) | 1 |
| | | Collateral Protection Act, Mo. Rev. Stat. §§ 427.120; 427.125 - Collateral Protection Notice was not provided | 1 |
|  |  | ***Total Compliance Grade (A) Exceptions:*** | ***53*** |
|  | B | Charges That Cannot Increase Test | 4 |
|  | B | Lender Credits That Cannot Decrease Test | 1 |
|  | B | Charges That In Total Cannot Increase More Than 10% Test | 1 |
|  | B | ***Total Compliance Grade (B) Exceptions:*** | ***6*** |
| Property | A | Third Party Valuation Product Not Provided within 10% Tolerance | 6 |
| Property | A | Property/Appraisal General | 2 |
| Property | A | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | 1 |
| Property | A | FEMA Post Disaster Inspection Report not Provided | 1 |
| Property | A | Missing Appraisal photos | 1 |
| Property | A | ***Total Property Grade (A) Exceptions:*** | ***11*** |
| Property | B | Third Party Valuation Product Not Provided within 10% Tolerance | 2 |
| Property | B | ***Total Property Grade (B) Exceptions:*** | ***2*** |

---

------

#### Event Grade Definitions

---

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

---

---

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

---

------

---

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

---

---

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

---

## Exhibit 99.11

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 510000001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/27/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines XXX) XXX shows a loss of ($XXX) and XXX ($XXX) on the K-XXX's for borrower one and does appear to be included in the total income calculations. Please provide and LOE or calculations. XXX) XXX missing for XXX, XXX, XXX, and XXX, XXX) , Business Licenses are missing for XXX. Additional conditions may apply. | XX/XX/XXXX XXX: Please see the XXX Income worksheet, AUS, and XXX. With this updated figure, DTI decreases to XXX% and AUS remains eligible. ; XX/XX/XXXX XXX: Please see XXX. ; XX/XX/XXXX XXX: Please note that the business licenses that are being conditioned out for are all losses. The only thing that a license would verify is if a business that is operating at a loss is open. If it wasn't open, that would mean that the loss would cease to exist. Since that is the case, we are being conservative by hitting for a loss regardless if the business is open and active or not. ; XX/XX/XXXX XXX: \| \| XXX) Per the K-1s on file, the borrower is only XXX% owner of XXX and XXX% owner of XXX. Since the borrower is less than XXX% owner of each business, neither loss needs to be included in the DTI per FNMA guidelines. \| \| XXX) Per the K-1s on file, the borrower is only XXX% Owner of XXX, XXX% owner of XXX and XXX% owner of XXX, and per the Schedule E on file the borrower is not an owner of the XXX. Since the borrower is less than XXX% owner of each business, these do not need to be included in the income calculations and therefore a XXX-C would not be applicable here. \| \| XXX) is only hitting for losses on XXX, the borrower is only XXX% owner of XXX and, and thus the file is qualifying with Less than XXX% K-XXX Ownership, and the borrower is XXX% owner of XXX. Therefore, business licenses are not applicable to these income lines. \| | 05/22/2025 | Lender provided updated AUS, XXX and income calculator that included the business loss for XXX. The audit re-calculated income that includes the business loss for XXX results in a DTI of XXX%, which exceeds the updated AUS approved DTI XXX%. This finding has been cleared and a DTI finding has been added. ; Income and Employment Meet Guidelines; Lender provided business license verifying XXX is active and in borrower name. Income loss should be deducted, condition remains. ; Audit reviewed Lender's response and has determined the income for XXX is a loss; therefore, business license not required. In addition, 4506C is not required for XXX, as income was a loss and XXX, business is owned by Borrower's other business XXX and income is run through that business. Please provide verification losses from XXX, which Borrower owns XXX% of business per K1, can be omitted from the total income calculation. Condition retained.; Audit reviewed Lender's response and has determined Borrower is only XXX% owner in XXX and XXX% owner in XXX; however, the K1 reflects Borrower, XXX is XXX% owner of XXX. Audit also confirmed Borrower's business XXX has ownership in XXX. Please provide Business License for XXX, verification losses from XXX can be omitted from income calculation and provide verification 4506C for XXX and XXX are not required. Condition retained.; Income and Employment Do Not Meet Guidelines XXX) XXX shows a loss of ($XXX) and XXX ($XXX) on the K-XXX's for borrower one and does appear to be included in the total income calculations. Please provide and LOE or calculations. XXX) XXX missing for XXX, XXX, XXX, and XXX, XXX) , Business Licenses are missing for XXX, XXX, XXX. Additional conditions may apply. | 06/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/23/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% XX/XX/XXXX: Finding added due to documentation provided by Lender. Updated AUS, XXX and income calculator was provided by Lender that included the business loss for XXX. It appears Lender reduced the business loss for XXX from -$XXX to -$XXX. Audit re-calculation of income that included the business loss for XXX results in a DTI of XXX%, which exceeds the updated AUS approved DTI of XXX%. | XX/XX/XXXX XXX: The auditor agrees with the response. However, Please see the XXX additional Income from XXX. The borrower has been with this employer for XXX+ years. A XXX month +YTD calculation has been performed to allow for the most conservative figure. DTI is now at XXX% and AUS returns eligible. Also XXX is an updated XXX and AUS ran today. \| \| ; XX/XX/XXXX XXX: Please see the XXX DTI breakdown: \| \| Non-Mortgage Related Debt: $XXX \| Proposed Payment: $XXX \| \| Total Debt: $XXX \| \| Income: $XXX \| \| $XXX/$XXX = XXX \* XXX = XXX% DTI ; XX/XX/XXXX XXX: Please see the XXX verification of business and business tax returns for XXX that provide additional Income. The additional Income along with the reduction of the XXX Loss results in a DTI of XXX%. | 05/30/2025 | Lender provided WVOE for additional income, updated XXX, XXX and AUS that includes the additional income and approves DTI of XXX%. Audit re-calculated DTI of XXX% is within tolerance of the updated AUS approved DTI of XXX% and client overlay of XXX%. Condition cleared.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audit reviewed Lender's response and has determined the variance in the DTI is due to the income. The audit debt matches the Lender's debt. The audit total income is $XXX vs Lender's total income of $XXX, a variance of $XXX, which is $XXX for each Borrower from a business loss from business XXX. The Final 1003 and the income calculator reflects a business loss of (-$XXX) for each Borrower vs the updated XXX reflecting business loss of (-$XXX) for each Borrower. Please provide documentation and verification supporting the recalculation of the income loss for Business XXX resulting in a negative income of (-$XXX) for each Borrower vs (-XXX) for each Borrower. Audit DTI remains as XXX%. Condition retained.; Audited DTI of XXX% exceeds AUS DTI of XXX% Lender provided XXX business tax return for XXX, income calculator reflecting calculated income of $XXX, business license and updated AUS approving DTI of XXX%. Audit re-calculated income and debt results in a DTI of XXX%, which exceeds the updated AUS approved DTI of XXX% and client overlay maximum of XXX%. Condition retained. | 06/02/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/27/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Per Line 12: The following accounts were omitted from the UW calculations. For each liability, please provide documentation to support the omission: XXX $XXX, XXX $XXX. Additional conditions may apply.  | XX/XX/XXXX XXX: Please see the XXX months of paid by others XXX. | 04/01/2025 | Lender provided business bank Statements verifying XXX $XXX, and XXX $XXX are paid by Borrower's business. Condition cleared.; Borrower 1 Credit Report is not Partially present.; Borrower 1 Credit Report is Partially Present. Per Line XXX: The following accounts were omitted from the UW calculations. For each liability, please provide documentation to support the omission: XXX $XXX, XXX $XXX. Additional conditions may apply. | 06/02/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/27/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 04/02/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000004 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | XX/XX/XXXX XXX: Please see XXX VOB that was obtained during the underwriting process. | 04/14/2025 | Lender provided VOB condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 04/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 510000004 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 510000007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. Please provide an updated policy. | XX/XX/XXXX XXX- please see XXX | 04/17/2025 | Lender provided title policy reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. Please provide an updated policy. | 04/17/2025 | C<br> A<br> B |
| 510000007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 04/14/2025 | C<br> A |
| 510000010 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX))  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). There is no evidence the borrower received a copy of the appraisal at or prior to loan consummation. | parker appraisal recd prior to closing email; DOCS RE APPRAISAL DELIVERY TO BORROWER; email from borrower confirming receipt of appraisal | 06/04/2025 | Lender provided email correspondence from Borrower indicating appraisal was received prior to closing. Condition cleared.; Evidence of appraisal delivery provided.; Lender provided verification of Borrower's appraisal waiver and verification of Borrower's receipt of appraisal post-closing; however, did not provide verification of Borrower's receipt of appraisal at or prior to consummation. Condition retained.; Finding remains as we received copy of an email that the borrower received the appraisal but we did not receive anything verifying when the appraisal was received. The email is dated post closing. ; Material Finding; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). There is no evidence the borrower received a copy of the appraisal at or prior to loan consummation. | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A<br> C |
| 510000010 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2025 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. The XXX% tolerance violation in the amount of $XXX is due to the addition of Recording fees on CD XX/XX/XXXX then increased to $XXX on the final CD XX/XX/XXXX without a valid COC in file. Please provide a valid COC or cure package. | PCCD and Refund docs for recording fees | 05/08/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B. | 05/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A |
| 510000010 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud report not in file and is required. | FRAUD REPORT | 04/23/2025 | Lender provided fraud report. Condition cleared.; Third Party Fraud Report is provided; Missing Third Party Fraud Report Fraud report not in file and is required. | 04/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A<br> C |
| 510000010 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing B1 WVOE with breakdown of XXX yrs of bonus income or Year end paystubs for XX/XX/XXXX in order to properly calculate bonus income as lender did. | B1 YTD PAYSTUBS XXX, XXX | 04/23/2025 | Lender provided XXX and XXX year end pay stubs. Condition cleared.; Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines Missing B1 WVOE with breakdown of XXX yrs of bonus income or Year end paystubs for XX/XX/XXXX in order to properly calculate bonus income as lender did. | 04/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A |
| 510000010 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing proof of sale of property at XXX. Two mortgages are showing open and funds to close are insufficient without it. Lender to provide Final signed/certified Settlement Statement for a minimum of $XXX. | SETTLEMENT StateMENT FROM SALE OF XXX | 04/23/2025 | Lender provided final settlement Statement for sale of XXX, reflecting proceeds of $XXX. Condition cleared.; Asset Qualification Meets Guideline Requirements; Asset Qualification Does Not Meet Guideline Requirements Missing proof of sale of property at XXX. Two mortgages are showing open and funds to close are insufficient without it. Lender to provide Final signed/certified Settlement Statement for a minimum of $XXX. | 04/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A |
| 510000010 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A |
| 510000013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/23/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The value variance of the CDA form appraisal of - XXX% > XXX% variance allowed per guidelines. | uploaded CDA ; I would like to request an exception in this situation. A second appraisal done by a different appraiser is a better product to determine value than a CDA of another appraisal. Please clear condition as the values only changed by $XXX and we used the lower of the two. ; can you please clarify what is needed here? we uploaded the 2nd appraisal. That's two values, two appraisals, and we are using the lesser value of the two. ; appraisal | 05/13/2025 | Lender provided CDA. Condition cleared.; Third party valuation product provided within tolerance.; Audit reviewed Lender's response and has determined a CDA is a XXX requirement. XXX approval required. Condition retained.; Per XXX guidelines, a CDA is required on the lowest appraisal. Client may approve an exception waiver - waiver requests must be submitted to XXX.; Lender provided appraisal; however, did not provide CDA within XXX% tolerance. Condition retained. | 05/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 510000013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete The Deed of Trust has an incorrect County of XXX. Actual county is XXX. | uploaded corrected re-recorded DOT --per XXX this is good; uploaded corrected DOT --per XXX this is good | 05/06/2025 | Resolved as we have received evidence of the correct county. ; The Deed of Trust is Present and Complete | 05/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 510000013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/23/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure required, refund in the amount of $XXX with PCCD, LOE, Copy of Refund Check and Proof of delivery or a valid COC. The XXX% tolerance violation is due to the addition of the Appraisal Review Fee added on thte revised CD dated XX/XX/XXXX. The COC in file dated XX/XX/XXXX details the reason for the Appraisal Re-Inspection Fee, however the COC does not detail a valid reason for the addition of the Appraisal Review Fee. Please provide a valid COC or cure package. This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | rebuttal | 04/29/2025 | Lender provided valid COC for added appraisal re-inspection fee, which was due to requirement for CDA. Condition cleared.; Lender provided valid COC for added appraisal re-inspection fee, which was due to requirement for CDA. Condition cleared. | 04/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 510000013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2025 | Resolved | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered Could not locate where this exception is coming from. | please confirm what is needed for this condition | 04/28/2025 | Audit reviewed Lender's response and has determined Income and Employment documentation in file meets AUS requirements. Condition cleared.; ATR: Reasonable Income or Assets Was Considered | 04/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 510000013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2025 | Resolved | FCRE1495 | Credit | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified Could not locate where this exception is coming from. | see page XXX and XXX of your loan file--this is the wvoe for Borrower 1, if that is not what you are looking for, please let me know what you need for this condition. | 04/28/2025 | Audit reviewed Lender's response and has determined the employment documentation in file meets AUS requirements. Condition cleared.; ATR: Current Employment Was Verified | 04/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 510000013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Lender to provide lender coverage for a minimum of $XXX at a minimum. | see page XXX of your loan file that is the supplement XXX to the title work that shows loan policy amount at $XXX | 04/28/2025 | Audit reviewed Lender's response and has determined the title with coverage of $XXX is on page XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | 04/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B<br> C |
| 510000013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 510000016 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/25/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing required desk review. | valuation upld | 05/15/2025 | CDA dated XX/XX/XXXX with value of $XXX was provided and is within XXX% tolerance of appraisal value of $XXX. Condition cleared.; Third party valuation product provided within tolerance. | 08/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> C<br> A |
| 510000016 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/26/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> C<br> A |
| 510000016 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/25/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Lender to provide updated title with the require minimum coverage amount. | the title supplement reflecting an insured amount of $XXX was provided in the initial file on page XXX, please review and waive condition. | 04/29/2025 | Lender provided title reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; | 04/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> C<br> A<br> B |
| 510000019 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/24/2025 | Resolved | FCRE1328 | Credit | Borrower 1 W2/XXX Missing | Borrower 1 W2/XXX Missing. XXX years W2's missing per AUS line XXX. Income, including commission income, must be supported by a paystub and W2s covering the most recent two year period, or by a standard Verification of Employment (XXX). Additional conditions may apply. | we have the XXX and XXX year end paystubs which suffices in lieu of the W2. The w2 for XXX and XXX is not required when we have year end paystubs which are in the file.; Please see XXX | 05/01/2025 | Lender provided Year end paystubs. Condition cleared.; Borrower 1 W2/XXX Provided; Lender provided XXX W2 transcript. XXX no record. Please provide XXX W2 or WVOE. Condition remains. | 05/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 510000019 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 510000022 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 510000025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/25/2025 | Acknowledged | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The third party valuation was not provided. Please provide the CDA that was obtained (Per notes in file). | XX/XX/XXXX XXX: Please see XXX. | 06/11/2025 | XXX approved use of 2nd Appraisal for Value - Investor Exception provided - Grade B; Audit reviewed Lender's response and has determined a CDA is required per XXX overlays. Condition retained. | 06/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 510000025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 510000025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/25/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The file audit revealed a full second appraisal, which exceeds guidelines requiring a CDA or Field Review. An approved investor exception is documented on page XXX. Please provide a CDA on the lower of the two appraisals, dated XX/XX/XXXX, with a value of $XXX. |  |  | Property/Appraisal Meets Guidelines | 04/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 510000028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/25/2025 | Resolved | FCRE3861 | Credit | SCIF Document is Partially Completed | This loan is an Risk Assesment is: (DU) with an application date of: (XX/XX/XXXX) which is after XX/XX/XXXX, or this is an FHA loan with an application date after XX/XX/XXXX and therefore a SCIF is required. The Supplemental Consumer Information Form is present; however, it is NOT fully executed. File is missing the signed SCIF form for Borrower 2. | XXX | 05/06/2025 | Resolved as we have received the missing SCIF.; This Supplemental Consumer Information Form is Present AND Fully Executed.; Material Finding | 05/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A<br> B |
| 510000028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/26/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | eSigned Documents Consent | 05/06/2025 | Evidence of eConsent is provided.; Material Finding | 05/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A<br> B |
| 510000028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/28/2025 | Resolved | finding-3515 | Compliance | Initial Loan Estimate Delivery Date Test (from application)  | Per the lenders compliance report and HMDA loan data in file the original loan application date was XX/XX/XXXX and the initial LE was not issued till XX/XX/XXXX and did not meet timing requirements. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XXX CFR §XXX(e) (XXX) (iii) (A)) The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (iii) (A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §XXX(e) (XXX) (i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | Per the lenders compliance report and HMDA loan data in file the original loan application date was XX/XX/XXXX and the initial LE was not issued till XX/XX/XXXX and did not meet timing requirements. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XXX CFR §XXX(e) (XXX) (iii) (A)) The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (iii) (A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §XXX(e) (XXX) (i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. |  | Audit reviewed Lender's response and has determined the purchase contract in file supports the full application date of XX/XX/XXXX. Audit re-ran compliance and has determined the initial LE was provided within XXX days of the full application date of XX/XX/XXXX. Condition cleared. | 05/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/28/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | Per the lenders compliance report and HMDA loan data in file the original loan application date was XX/XX/XXXX and the initial LE was not issued till XX/XX/XXXX and did not meet timing requirements. This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Per the lenders compliance report and HMDA loan data in file the original loan application date was XX/XX/XXXX and the initial LE was not issued till XX/XX/XXXX and did not meet timing requirements. This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). |  | Audit reviewed Lender's response and has determined the purchase contract in file supports the full application date of XX/XX/XXXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 05/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/28/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | Per the lenders compliance report and HMDA loan data in file the original loan application date was XX/XX/XXXX and the initial LE was not issued till XX/XX/XXXX and did not meet timing requirements. This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). | Per the lenders compliance report and HMDA loan data in file the original loan application date was XX/XX/XXXX and the initial LE was not issued till XX/XX/XXXX and did not meet timing requirements. This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). |  | Audit reviewed Lender's response and has determined the purchase contract in file supports the full application date of XX/XX/XXXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 05/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/28/2025 | Resolved | finding-3367 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | Per the lenders compliance report and HMDA loan data in file the original loan application date was XX/XX/XXXX and the RESPA Homeownership Counseling Organizations Disclosure was not issued till XX/XX/XXXX and did not meet timing requirements. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (XXX CFR §XXX(a)) The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided) ; orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX) The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX) Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. | Per the lenders compliance report and HMDA loan data in file the original loan application date was XX/XX/XXXX and the RESPA Homeownership Counseling Organizations Disclosure was not issued till XX/XX/XXXX and did not meet timing requirements. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (XXX CFR §XXX(a)) The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided) ; orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX) The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX) Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. |  | Audit reviewed Lender's response and has determined the purchase contract in file supports the full application date of XX/XX/XXXX. Audit re-ran compliance and has determined Homeownership Counseling disclosure was provide within XXX days of the full application date. Condition cleared. | 05/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/28/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130b Cure Required Refund in the amount of $XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the added 2nd Appraisal Fee of $XXX and the Appraisal Review Fee of $XXX on the LE dated XXX and no valid COC was found in the file explaining the reason for the added fees. Please provide a Valid COC or Cure Package. | RLE; coc details for cda and recert of value uploaded. | 05/07/2025 | Lender provided valid COC and re-disclosed LE dated XX/XX/XXXX, for increase in appraisal review fee. Condition cleared.; Lender provided valid COC and re-disclosed LE dated XX/XX/XXXX, for increase in appraisal review fee. Condition cleared.; Finding updated, remains. Received the valid COC for the second appraisal but there is still a violation for the appraisal review fee of $XXX. This fee was added to LE dated XX/XX/XXXX but the COC received form lender for this fee was dated XX/XX/XXXX, a cure is now required for this fee. This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). The Zero tolerance violation is due to the added Appraisal Review Fee of $XXX on the LE dated XXX and no valid COC was found in the file explaining the reason for the added fees. Please provide a Valid COC or Cure Package.; | 05/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 510000031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/28/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX The title coverage amount of $XXX is less than total amount of subject lien $XXX. | Final Title | 05/01/2025 | Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 05/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A<br> B |
| 510000031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/28/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The final application discloses a monthly expense of $XXX for a lease with XXX. The file is missing documentation to validate the source and amount. Please provide documentation to validate the monthly expense of $XXX. | Solar Lease | 05/01/2025 | Borrower 1 Credit Report is not Partially present. | 05/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 510000031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/28/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 510000034 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/30/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX))  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Missing evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. | XXX XX/XX/XXXX Please see XXX proof of delivery. | 06/03/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided.; Material Finding | 06/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A<br> B |
| 510000037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/29/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA Statement for the property located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements, Appraisal, or LOE from the borrower. Additional conditions may apply. | XX/XX/XXXX - XXX: Please see XXX. | 05/01/2025 | Lender provided HOA documentation for XXX. Condition cleared.; Borrower 1 Credit Report is not Partially present. | 05/07/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A<br> B |
| 510000037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A<br> B |
| 510000040 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/29/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX))  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). There is no evidence the borrower received a copy of the appraisal. | XXX XX/XX/XXXX Please see the XXX Appraisal Package and TRID worksheet with proof that both borrowers were sent an Appraisal Package on XX/XX/XXXX and the mailbox rule was applied. This meets the XXX business days before the closing date of XX/XX/XXXX. ; XXX XX/XX/XXXX Disagree - Our Contract States that XXX will buy HPML as long as all the requirements were met as they were on this loan. Please see the XXX documents which shows the borrower received the Appraisal on XX/XX/XXXX | 05/08/2025 | Lender provided verification of the date the appraisal was provided to the Borrower. Condition cleared.; Evidence of appraisal delivery provided.; Lender provided Appraisal Acknowledgement; however, did not provide verification of Borrower's receipt of appraisal at or prior to consummation. Condition retained.; Material Finding | 05/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A<br> B |
| 510000040 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A<br> B |
| 510000043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/30/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title report provided doesn't have coverage amount. Lender to provide updated title report with minimum required of $XXX. | please see XXX doc XXX | 05/08/2025 | Lender provided title with coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 05/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B |
| 510000043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/30/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HOA or letter from borrower stating no HOA on the property at XXX. Additional conditions may apply. | XX/XX/XXXX XXX: Please see XXX document that shows no HOA is associated with this property. | 05/02/2025 | Lender provided property search through FraudGUARD for property XXX reflecting property does not have HOA fees. Condition cleared. | 05/07/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 510000043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 510000046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/01/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA Statement for the property located at XXX and XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements, Appraisal, or LOE from the borrower. Additional conditions may apply. | XX/XX/XXXX XXX: Please see XXX document that shows no HOA is associated with this property. | 05/02/2025 | Lender provided property search through FraudGUARD, for property XXX, verifying HOA fees and for property XXX reflecting property does not have HOA fees. Condition cleared.; Borrower 1 Credit Report is not Partially present. | 05/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> C<br> A |
| 510000049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/01/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> C<br> A |
| 510000052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/01/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA. Please provide CDA. | CDA | 05/05/2025 | CDA dated XX/XX/XXXX with value of $XXX was provided and is within XXX% tolerance of appraisal value of $XXX. Condition cleared.; Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | 08/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 510000052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/01/2025 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing | Purchase Contract | 05/05/2025 | Resolved as we have received the missing contract. ; Purchase Contract Doc is not Missing, or is Not Applicable. | 08/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 510000052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/01/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing most recent XXX months bank Statements for bank account #XXX reflecting a balance of $XXX. Please provide most recent XXX months bank Statements for bank account #XXX, as the borrower does not have sufficient funds for cash to close. Missing source of the large deposits: $XXX dated XX/XX/XXXX, $XXX dated XX/XX/XXXX, and $XXX dated XX/XX/XXXX in account #XXX. Please provide source of the large deposits Stated above, as these large deposits could not be deducted from the account balance, due to the borrower is short for cash to close. EMD of $XXX not sourced in bank Statements in file. Please provide source of EMD of $XXX. | Assets | 05/05/2025 | Asset Qualification Meets Guideline Requirements, received the additional months Statement for acct #XXX as well as the source of hte EMD XXX of $XXX and large deposits. Issue resolved.; Asset Qualification Does Not Meet Guideline Requirements NA | 05/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 510000052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/01/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount)  | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Please provide more assets to cover XXX months reserves requirement. | Assets | 05/05/2025 | Resolved as we have received recent additional bank account from XXX.; Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX. | 05/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 510000052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/01/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA | 05/05/2025 | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 05/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 510000055 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/01/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000058 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/01/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 05/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000061 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/29/2025 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to the lender paid property taxes moving to borrower paid thereby reducing the lender credit without a valid COC in file | ; ; Documentation received, XXX to review.; Document uploaded. pccd and payment history | 07/03/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | 07/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 510000064 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/01/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000067 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/02/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130b Cure required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and proof of Delivery or Valid COC. The XXX% tolerance violation is due to the increase in Discount Points on the initial CD dated XX/XX/XXXX. The COC for the rate lock and increased Discount Points was issued on XX/XX/XXXX and no revised LE or CD in file within XXX days of the issued COC. Please provide a valid COC with corresponding LE or CD within timing requirement or cure package. | XXX XX/XX/XXXX: Increase due to lock action, please see corresponding locked disclosure delivered via mail | 06/12/2025 | Lender provided valid COC and re-disclosed LE for increase in discount points, which was due to rate lock. In addition, cure of $XXX for the the increase in Final Inspection Fee, was reflected on the final CD. Condition cleared.; Lender provided valid COC and re-disclosed LE for increase in discount points, which was due to rate lock. In addition, cure of $XXX for the the increase in Final Inspection Fee, was reflected on the final CD. Condition cleared. | 06/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 510000067 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 05/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 510000070 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/02/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation Required: Missing copy of the initial Closing Disclosure and acknowledgement borrower receipt at least XXX days prior to loan consummation. Please provide Initial CD within required XXX days prior to consummation. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than three business days before consummation. | XXX XX/XX/XXXX: Please see the XXX CD | 05/07/2025 | Lender provided initial CD. Condition cleared.; Lender provided initial CD. Condition cleared. | 05/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000070 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/05/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX))  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Missing evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. | XXX XX/XX/XXXX: Please see the XXX Appraisal Delivery dated XXX-XXX | 06/05/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided.; Material Finding | 06/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A<br> B |
| 510000073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/05/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). The hazard insurance dwelling coverage of $XXX is insufficient, not meeting the required coverage amount of $XXX. | XX/XX/XXXX XXX: See XXX confirming the dwelling coverage is the replacement cost | 05/16/2025 | Lender provided LOE from insurance company indicating Coverage A is based on replacement cost estimate. Condition cleared.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 05/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A<br> B |
| 510000073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A<br> B |
| 510000073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/05/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA Statement for the property at XXX. If not applicable, a LOE stating there are no HOA dues is required. | XX/XX/XXXX XXX: Please see XXX third party that verifies no HOA dues are XXX to the borrower's property at XXX. | 05/06/2025 | Lender provided property search through FraudGUARD for property XXX, reflecting property does not have HOA fees. Condition cleared.; Borrower 1 Credit Report is not Partially present. | 05/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A<br> B |
| 510000076 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000079 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/06/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Lender to provide update with minimum loan amount coverage of $XXX | Updated Commitment | 05/14/2025 | Lender provided title with coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | 05/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> C<br> A<br> B |
| 510000079 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> C<br> A |
| 510000082 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000085 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide CDA. | see XXX | 05/16/2025 | CDA dated XX/XX/XXXX with value of $XXX was provided and is within XXX% tolerance of appraisal value of $XXX. Condition cleared.; Third party valuation product provided within tolerance. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000085 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000088 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000091 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2025 | Resolved | FCRE1170 | Credit | Flood Insurance Expiration Date is before the Disbursement Date | Flood Insurance Expiration Date of XX/XX/XXXX is prior to the Disbursement Date of XX/XX/XXXX Master Flood Insurance Policy expired on XX/XX/XXXX. Please provide updated flood insurance policy. | XX/XX/XXXX XXX: Please see XXX HOI docs that show flood insurance policy is active from XX/XX/XXXX-XX/XX/XXXX | 05/14/2025 | Lender provided flood insurance reflecting effective dates of XX/XX/XXXX - XX/XX/XXXX. Condition cleared.; Flood Insurance Expiration Date of XX/XX/XXXX is equal to or after the Disbursement Date of XX/XX/XXXX Or Flood Insurance Expiration Date Is Not Provided | 05/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000091 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 05/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000094 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000097 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than three business days before consummation. Documentation required to clear exception. Missing a copy of initial Closing Disclosure dated and acknowledged by the borrower XXX days prior to loan consummation. Please provide copy of initial CD and verification of borrower acknowledgement. | XXX XX/XX/XXXX Please see the XXX TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/XX/XXXX and consented to it on XX/XX/XXXX. This meets the XXX business days before the closing date of XX/XX/XXXX. | 05/12/2025 | Lender provided initial CD. Condition cleared.; Resolved | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000097 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000100 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide CDA performed on appraisal dated XX/XX/XXXX. | XXX | 05/16/2025 | CDA dated XX/XX/XXXX with value of $XXX was provided and is within XXX% tolerance of appraisal value of $XXX. Condition cleared.; Third party valuation product provided within tolerance. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Credit Report Fee and an increase from $XXX to $XXX for the Credit Technology and Verification Fee. Please provide a valid COC or cure package. | An $XXX lender credit was applied on the final CD. No additional cure is required. | 05/15/2025 | Audit reviewed Lender's response and has determined the final CD reflects a sufficient cure of $XXX for the increase in the credit report and credit technology fees. Condition cleared. | 05/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000106 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/09/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing supporting documentation for XXX #XXX with a balance of $XXX and a monthly payment of $XXX. The debt Stated above could not be verified in the loan file. Please provide credit supplement or credit card Statement. | new supp; credit supp | 05/14/2025 | Lender provided credit supplement verifying XXX account #XXX, with balance of $XXX and payment of $XXX. Condition cleared.; Borrower 1 Credit Report is not Partially present.; Final 1003 for B1 discloses XXX #XXX with a balance of $XXX and a monthly payment of $XXX. Please provide documentation verifying balance and payment. Note - credit supplement provided is for a different account. | 05/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A |
| 510000106 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A |
| 510000109 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/09/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA Statement for the property at XXX. If not applicable, a LOE stating there are no HOA dues is required. Missing supporting documentation for the debts: XXX #XXX and XXX #XXX reported on the Final 1003. The debts Stated above could not be verified in the loan file. Please provide credit supplement or credit card Statements. | XX/XX/XXXX - XXX: XXX.) Please see the XXX property detail report confirming XXX is an SFR. \| \| XXX.) The monthly payments and balances for XXX and XXX are reflecting on credit via tradelines #XXX and #XXX. | 05/12/2025 | Audit reviewed Lender's response and has determined Lender included debts for XXX acct# XXX and XXX acct# XXX twice in the total liabilities and revolving account were located on the credit report. Audit property search for property XXX supports property does not have HOA fees. Condition cleared.; Borrower 1 Credit Report is not Partially present. | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000109 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/12/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000112 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 510000115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing XXX personal and business tax returns for XXX. Per Business Search, the business was formed on XX/XX/XXXX, which is less than XXX years. Please provide XXX personal and business tax returns for XXX. | XX/XX/XXXX - XXX: Please see XXX. The borrower's business was originally incorporated in the State of XXX on XX/XX/XXXX and later incorporated in the State of XXX on XX/XX/XXXX. XXX has been active for more than XXX years, which permits a one-year self-employment calculation. | 05/16/2025 | Lender provided business search through the State verifying business was incorporate in XXX. Condition cleared.; Income and Employment Meet Guidelines | 05/19/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> C<br> A |
| 510000115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> C<br> A |
| 510000118 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 510000121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide CDA on the lowest value of XXX appraisals in file ($XXX). | Third party validation | 05/19/2025 | Third party valuation product provided within tolerance. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 510000121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 510000121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | FCOM3075 | Credit | Missing US Patriot Act Disclosure or ID | Missing US Patriot Act Disclosure or ID. Missing US Patriot Act Disclosure or ID for both borrowers. | Patriot Act | 05/13/2025 | Lender provided completed Patriot Act form for both Borrowers. Condition cleared.; US Patriot Act Disclosure or ID provided. | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A<br> B |
| 510000121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | FCRE1253 | Credit | Missing Property Tax Cert | Missing Property Tax Certificate. Please provide the subject property's tax certificate. | PROPERTY TAX INFORMATION WORKSHEET | 05/13/2025 | Lender provided tax certification. Condition cleared.; Property Tax Cert Provided | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 510000121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing documentation for other payment in the amount of $XXX. Per Final CD, other payment is miscellaneous, however could not verify other payment. Please provide supporting documentation. | additional property tax | 05/13/2025 | Lender provided tax certification and tax calculation. Condition cleared.; Borrower 1 Credit Report is not Partially present. | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 510000124 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The e-Signed documents consent is missing. Please provide e consent from borrowers for disclosures e signed XX/XX/XXXX. | eConsent | 05/16/2025 | Evidence of eConsent is provided.; Material Finding | 05/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 510000124 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 510000127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing all pages and schedules of XXX's Personal Tax Returns (XXX & XXX (XXX if available))  | Tax Returns (XXX & XXX (XXX | 05/15/2025 | Lender provided 2022 and 2023 tax returns with schedule C supporting income calculated by Lender. Condition cleared.; Income and Employment Meet Guidelines | 05/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C |
| 510000127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | FCRE1322 | Credit | Borrower 1 Business Tax Returns Missing | Borrower 1 Business Tax Returns Missing The borrower was approved using self-employed income from multiple businesses; however, the file contains only the signature pages of the tax returns, and full returns were not provided. Per the AUS findings on page XXX, two years of tax returns are required for XXX, and one year of tax returns is required for XXX. | XXX and XXX | 05/15/2025 | Lender provided 2022 and 2023 tax returns with schedule C supporting income calculated by Lender. Condition cleared.; Borrower 1 Business Tax Returns Provided | 05/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 510000127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C |
| 510000130 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. | Title Policy | 06/11/2025 | Lender provided title reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 06/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A<br> B |
| 510000130 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Resolved | FCRE1253 | Credit | Missing Property Tax Cert | Missing Property Tax Certificate. Per Tax estimator, the annual taxes are $XXX, however the monthly tax payment of $XXX was used. Please provide supporting documentation. | XX/XX/XXXX XXX: Corrected AUS findings XXX ; XX/XX/XXXX XXX: Please see corrected AUS, approval, and XXX. The land only value was used incorrectly because the borrower was utilizing a shock letter for taxes. | 05/19/2025 | Lender provided updated AUS that includes the correct tax amount approving DTI of XXX%. Audit re-calculated DTI of XXX% is within tolerance of the updated AUS approved DTI of XXX%. Condition cleared.; Property Tax Cert Provided; Lender provided updated XXX, XXX and AUS; however, the AUS still reflects the taxes as XXX vs the correct tax amount of $XXX. Please provide updated AUS reflecting the correct tax amount of $XXX and approved DTI of XXX%. Condition retained. | 06/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A |
| 510000130 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130b Cure required, refund in the amount of $XXX with PCCD, LOE, Copy of Refund Check and Proof of delivery or a valid COC. The XXX% tolerance violation is due to the increase in Origination Fee from $$XXX, to $XXX and the addition of Discount Points from $XXX, to $XXX on the final CD dated XX/XX/XXXX. Per the lenders COC's dated XX/XX/XXXX and lender rate sheet, there was a pricing adjustment made XX/XX/XXXX but no corresponding CD in file dated XXX days in file and did not meet timing requirement. Please provide a revised CD dated XXX days from XX/XX/XXXX or cure package for $XXX. | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130b Cure required, refund in the amount of $XXX with PCCD, LOE, Copy of Refund Check and Proof of delivery or a valid COC. The XXX% tolerance violation is due to the increase in Origination Fee from $$XXX, to $XXX and the addition of Discount Points from $XXX, to $XXX on the final CD dated XX/XX/XXXX. Per the lenders COC's dated XX/XX/XXXX and lender rate sheet, there was a pricing adjustment made XX/XX/XXXX but no corresponding CD in file dated XXX days in file and did not meet timing requirement. Please provide a revised CD dated XXX days from XX/XX/XXXX or cure package for $XXX. |  | Lender provided valid COC and re-disclosed CD for increase in origination fee and decrease in Lender credit, which was due to a loan amount increase. Condition cleared. | 05/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A |
| 510000130 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). Cure required, lender credits decreased from $XXX on the initial CD dated XX/XX/XXXX, to $XXX on the final CD dated XX/XX/XXXX without a valid COC. Per the lenders COC's dated XX/XX/XXXX and lender rate sheet there was a pricing adjustment made XX/XX/XXXX but no corresponding CD in file dated XXX days in file. Please provide a revised CD dated XXX days from XX/XX/XXXX or cure package for Lender Credit violation for $XXX. | XXX XX/XX/XXXX There was a Loan amount change on XX/XX/XXXX that caused an adjustment to the LTV. Due to this, the price adjust for LTV changed from.XXX% to.XXX% making the final cost adjust as well. Final price went from - XXX% or $-XXX to XXX% or $XXX. Therefore lowering the lender credit. | 05/14/2025 | Lender provided valid COC and re-disclosed CD for increase in origination fee and decrease in Lender credit, which was due to a loan amount increase. Condition cleared. | 05/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A |
| 510000130 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A |
| 510000133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | MISSING MORTGAGE Statements for primary and two investment properties to confirm PITIA. Also missing HOA or letter from borrower stating no HOA. Additional conditions may apply. | XX/XX/XXXX XXX: No mortgage Statements are required because the taxes and insurance documentation was provided separately for each REO and included in the DTI. Fraudguard indicates no HOA dues for XXX. | 05/14/2025 | Lender provided taxes and HOI information for REO properties. Audit confirmed PI was verified with the credit report; therefore, mortgage Statements not required. In addition, Lender provided fraud report for XXX reflecting property does not have HOA fees and provided property searches for property XXX and XXX reflecting HOA fees. Audit re-calculation including the HOA fee on property XXX results in a DTI of XXX%, which is within tolerance of the AUS approved DTI of XXX%. Condition cleared. | 05/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 510000133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 510000136 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter from borrower stating no HOA on the property at XXX. Additional conditions may apply. | XX/XX/XXXX XXX: Please see XXX, multiple docs confirm no HOA. | 05/14/2025 | Lender provided property detail report and property searches for property XXX, supporting property does not have HOA fees. Condition cleared. | 05/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 510000136 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 510000139 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing fully executed Final Settlement Statement for the sale of the property at XXX. Per Final CD, the property Stated above was sold and proceeds were used as assets. The Settlement Statement in file is an estimate and does not suffice. Please provide fully executed Final Settlement Statement for the property at XXX. | XX/XX/XXXX XXX: XXX | 05/15/2025 | Lender provided final settlement Statement for sale of XXX reflecting sufficient proceeds of $XXX. Condition cleared.; Borrower 1 Credit Report is not Partially present. | 05/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 510000139 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 510000142 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 510000145 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/19/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> C<br> A |
| 510000148 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000151 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/19/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 510000154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Lender to provide minimum coverage of $XXX. Provide updated Title. | please see XXX doc XXX | 05/22/2025 | Lender provided title with coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 05/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A<br> B |
| 510000154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A<br> C |
| 510000154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Flood Insurance Expiration Date of XX/XX/XXXX is prior to the Disbursement Date of XX/XX/XXXX Master Flood Insurance Policy expired on XX/XX/XXXX. Please provide updated flood insurance policy. | XX/XX/XXXX - XXX: Please see XXX. The Loan integrity report does not indicate an active HOA for XXX | 05/15/2025 | Lender provided property search through FraudGUARD for property XXX reflecting property does not have HOA fees. Condition cleared. | 05/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A |
| 510000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2025 | Resolved | FCRE5776 | Credit | Borrower XXX Credit Report is Incomplete | Borrower XXX Credit Report is Partially Present. Missing evidence of the property at XXX being free and clear. Please provide property profile report. | Title abstract and additional documentation showing no mortgage | 05/20/2025 | Lender provided title history verifying property XXX is owned free and clear. Condition cleared.; Borrower XXX Credit Report is not Partially present. | 08/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> D<br> A<br> C |
| 510000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2025 | Resolved | FCOM3075 | Credit | Missing US Patriot Act Disclosure or ID | Missing US Patriot Act Disclosure or ID. The USA Patriot Act Disclosure for Borrower XXX expiration is XX/XX/XXXX. Please provide ID or updated USA Patriot Act Disclosure. Note: Borrower 1 and Borrower 2 Patriot Act Disclosures are in file. | Patriot Act and ID copy | 05/19/2025 | Lender provided Photo ID for Borrower XXX, verifying expiration date of XX/XX/XXXX. Condition cleared.; US Patriot Act Disclosure or ID provided.; Material Finding; Missing US Patriot Act Disclosure or ID. | 06/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> D<br> A<br> B<br> C |
| 510000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> D<br> A<br> C |
| 510000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is XXX | Hazard Insurance Policy Partially Provided HOI provided expiration date is XX/XX/XXXX. Please provide corrected HOI documentation. | Updated Insurance | 05/23/2025 | Lender provided hazard insurance reflecting effective dates of XX/XX/XXXX - XX/XX/XXXX. Condition cleared.; Hazard Insurance Policy is fully present | 05/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> D<br> A<br> C |
| 510000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines CPA letter Stated that Schedule L Line XXX D is mainly credit card debt. Please provide the correct figures that are excluded in the "mainly" part. | UW LOX | 05/20/2025 | Audit reviewed Lender's response and has determined the CPA letter meets AUS and FNMA requirements as verification that schedule L line XXX that continually rolls over each year; therefore, does not need to be deducted from income. Condition cleared.; Income and Employment Meet Guidelines | 05/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> D<br> A<br> C |
| 510000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). Document needed to clear exception: Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely. Please proivide copy of the initial LE within XXX days of the application to test. | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). Document needed to clear exception: Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely. Please proivide copy of the initial LE within XXX days of the application to test. |  | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 05/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> D<br> A<br> C |
| 510000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2025 | Resolved | finding-3515 | Compliance | Initial Loan Estimate Delivery Date Test (from application)  | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XXX CFR §XXX(e) (XXX) (iii) (A)) The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (iii) (A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §XXX(e) (XXX) (i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. According to the Mavent report, initial Loan application date is XXX/XXX/XXX. The Initial LE in file is dated XX/XX/XXXX which exceeds the timing regulation. Please provide a copy of the initial LE within XXX days of the application. | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XXX CFR §XXX(e) (XXX) (iii) (A)) The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (iii) (A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §XXX(e) (XXX) (i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. According to the Mavent report, initial Loan application date is XXX/XXX/XXX. The Initial LE in file is dated XX/XX/XXXX which exceeds the timing regulation. Please provide a copy of the initial LE within XXX days of the application. |  | Lender provided initial LE. Condition cleared. | 05/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> D<br> A<br> C |
| 510000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2025 | Resolved | finding-3367 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (XXX CFR §XXX(a)) The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided) ; orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX) The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX) Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. The Homeownership Counseling Disclosure date is XX/XX/XXXX and was not disclosed within XXX days of the application. Please provide a copy of the Homeownership Counseling Disclosure within XXX days of the application. | Homeownership Counseling list | 05/15/2025 | Lender provided Homeownership Counseling Disclosure provided within XXX days of the application date. Condition cleared. | 05/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> D<br> A<br> C |
| 510000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). Document needed to clear exception: Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely. Please proivide copy of the initial LE within XXX days of the application to test. | Initial LE | 05/15/2025 | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 05/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> D<br> A<br> C |
| 510000160 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/19/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> C<br> A |
| 510000163 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000163 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. XXX) File is missing the terms for the liability listed on the XXX; XXX of XXX with a balance of $XXX and a payment of $XXX. XXX) Evidence of the property located at XXX is owned free and clear. Please provide a property profile. Additional conditions may apply. | XX/XX/XXXX XXX: XXX Statement is in the file and XXX here for reference. The balance was a typo with an extra XXX. Per the insurance policy for XXX, there is no mortgagee. | 05/16/2025 | Lender provided Statement verifying amount of loan as $XXX. The XXX incorrectly reflected the balance of $XXX, the correct balance is $XXX and payment is $XXX, which is what was included in the total debt obligations Per 1003 and AUS. Condition cleared.; Borrower 1 Credit Report is not Partially present. | 05/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000166 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/15/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter from borrower stating no HOA for the two other properties listed on the Final 1003. Additional conditions may apply. | XX/XX/XXXX XXX: We reviewed both properties and found no indications of HOA dues for either. No HOA dues were called out in the fraud report, there are no HOA deductions in borrower's assets, and neither appear to be condos. Guidelines do not require a borrower LOX. Please clarify what is indication there is an HOA for either of these. | 05/19/2025 | Audit reviewed Lender's response and has determined an audit property search of both REO properties supports properties do no have HOA fees. Condition cleared. | 05/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 510000169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 510000172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/15/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of refund check and proof of Delivery or valid COC. The XXX% tolerance violation is due to the addition of the Appraisal XXX Fee on the initial CD dated XX/XX/XXXX without a valid COC. Please provide a valid COC or cure package. This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | XXX XX/XX/XXXX: Disagree, a CDA fee is a valuation fee. The secondary valuation fee has always been disclosed at $XXX. Upon review the fee name was updated to provide better clarity of the service rendered for the borrower prior to closing as a clerical correction, and the amount charged at closing did not exceed the estimate previously disclosed on the baseline document. No refund is owed. | 05/19/2025 | Audit reviewed Lender's response and has determined the Appraisal XXX fee was disclosed on the LE as a CDA fee. The naming convention was changed on the final CD, which is a clerical change. Condition cleared. | 05/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/15/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | MISSING MORTGAGE Statement from XXX for the property at XXX. Statement should show tax and insurance broken down or provide tax and insurance Statements as well as HOA or letter from borrower stating no HOA. Additional conditions apply. | XXX docs | 05/19/2025 | Lender provided mortgage Statement, taxes, hoi and LOE indicating no HOA fees on property XXX. Condition cleared. | 05/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 510000175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/15/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). Provide hazard insurance coverage for $XXX loan amount. | Insurance Emails | 05/20/2025 | Audit reviewed Lender's response and has determined the insurance reflects Property Characteristics indicating insurance is based on replacement cost estimate. In addition, in XXX Lender cannot ask for replacement cost information from the insurance company. Condition cleared.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 05/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 510000175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 510000178 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/16/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Lender to provide updated title work showing lender coverage of $XXX. | please see XXX doc XXX | 06/09/2025 | Lender provided Title with coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 06/10/2025 | Qualifying DTI below max allowed. - \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B |
| 510000178 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/16/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing XXX tax return or extension. Additional conditions may apply. | XX/XX/XXXX XXX: Borrower still qualifies without the use of rental income, so tax returns are not necessary. See XXX updated AUS findings and XXX | 05/19/2025 | Lender provided updated XXX and AUS reflecting removal of rental income on XXX and approving DTI of XXX%; therefore, additional documentation is not required. Audit re-calculated DTI of XXX% is within tolerance of the AUS approved DTI of XXX%. Condition cleared.; Income and Employment Meet Guidelines | 05/21/2025 | Qualifying DTI below max allowed. - \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 510000178 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/16/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter stating no HOA and hazard insurance for the property at XXX. Additional conditions may apply. | XX/XX/XXXX XXX: HOI XXX, for the HOA dues, we reviewed the property and found no sign of there being HOA dues. This was not called out by the fraud report, there are no transactions indicating HOA dues in assets, and this does not appear to be a condo. Guidelines do not require a borrower LOX. Please clarify what is indicating there are HOA dues for the property. | 05/19/2025 | Audit reviewed Lender's response and has determined an audit property search of property XXX supports property does not have HOA fees. Condition cleared. | 05/21/2025 | Qualifying DTI below max allowed. - \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 510000178 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/19/2025 | Qualifying DTI below max allowed. - \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 510000181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | XXX XX/XX/XXXX Please see XXX.; XXX XX/XX/XXXX The Affiliate Business Disclosure is only required when there are fees charged to the borrower which the broker/lender is affiliated with. There are no charges on this file at have affiliated payees | 05/27/2025 | Lender provided attestation of no affiliates. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided; Material Finding; Lender provided a snippet of affiliates; however, did not provide attestation on Lender's letterhead of no affiliates. Condition retained.; Required Affiliated Business Disclosure Missing | 05/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 510000181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/16/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | XXX XX/XX/XXXX Please see XXX e-sign consent form. | 05/20/2025 | Lender provided verification of Borrower's eConsent. Condition cleared.; Evidence of eConsent is provided. The eSigned documents consent is missing. | 05/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 510000181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/16/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX))  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Documentation required to clear exception: Appraisal delivery receipt missing from file. | XXX XX/XX/XXXX Please see XXX disclosure signed by the borrower on XX/XX/XXXX showing they have received their appraisal. | 05/20/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided. | 05/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 510000181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 05/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 510000184 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | here you go | 05/20/2025 | Lender provided verification of Borrower's eConsent. Condition cleared.; Evidence of eConsent is provided. | 05/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A<br> B |
| 510000184 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/16/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX))  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | here you go | 05/20/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided. | 05/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A<br> B |
| 510000184 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 05/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A<br> B |
| 510000187 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/16/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter from borrower stating no HOA for the property at XXX. Additional conditions may apply. | XX/XX/XXXX XXX: This property was reviewed and we found no indication of there being any HOA dues. Fraud Report does not call out any HOA dues, there's no indication this is a condo or PUD, and there are no HOA payments in the borrowers assets. Guidelines do not require a letter from the borrower to show this. | 05/20/2025 | Audit reviewed Lender's response and has determined an audit property search supports property does not have HOA fees. Condition cleared. | 05/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 510000187 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 05/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 510000190 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 05/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Lender to provide updated title with minimum loan amount of $XXX. | Please see XXX doc XXX | 06/02/2025 | Lender provided Title Policy reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 510000193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2025 | Resolved | FCOM1679 | Compliance | Collateral Protection Act, Mo. Rev. Stat. § § XXX; XXX - Collateral Protection Notice was not provided | Collateral Protection Act, Mo. Rev. Stat. § § XXX; XXX - Collateral Protection Notice was not provided. Documentation required to clear exception: XXX Protection Notice was not provided. | XXX XX/XX/XXXX Please see XXX Disclosure | 05/21/2025 | Lender provided Collateral Protection Notice. Condition cleared.; Collateral Protection Act, Mo. Rev. Stat. § § XXX; XXX - Collateral Protection Notice was provided. | 05/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). Documentation required to clear exception. TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The tolerance violation in the amount of $XXX is due to Decrease from $XXX to $XXX for the Lender Credit on final CD XX/XX/XXXX. Consummation date is XX/XX/XXXX, however the only CD's found in the file are dated XX/XX/XXXX and a PCCD XX/XX/XXXX. Missing Initial CD that was provided within XXX days prior to consummation. Per Disclosure History on page XXX Initial CD was sent XX/XX/XXXX and on page XXX-XXX a revised CD was sent XX/XX/XXXX. COC's in file dated XX/XX/XXXX and XX/XX/XXXX. Please provide missing initial and revised CD's for review, or cure package. | XXX XX/XX/XXXX: Disagree, the initial Loan Estimate reflecting the baseline cited was unlocked, credits permitted to decrease on unlocked LE. | 05/21/2025 | Lender provided initial CD and disclosure tracker, verifying valid COC for Lender credit was disclosed within XXX days of the change. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared. | 05/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than three business days before consummation. Documentation required to clear exception. Consummation date is XX/XX/XXXX, however the only CD's found in the file are dated XX/XX/XXXX and PCCD XX/XX/XXXX. Missing Initial CD that was provided within XXX days prior to consummation. Per Disclosure History on page XXX Initial CD was sent XX/XX/XXXX and on page XXX-XXX a revised CD sent XX/XX/XXXX. COC's in file dated XX/XX/XXXX and XX/XX/XXXX. Please provide missing initial and revised CD's for review | XXX XX/XX/XXXX Please see the XXX TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XXX and consented to it on XXX. This meets the XXX business days before the closing date of XXX. | 05/21/2025 | Lender provided initial CD and disclosure tracker, verifying valid COC for Lender credit was disclosed within XXX days of the change. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 05/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 05/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000196 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Lender to provide updated title to show coverage of loan amount of $XXX. | XX/XX/XXXX SW Please see XXX | 05/22/2025 | Lender provided title with coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 05/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 510000196 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX))  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Documentation required to clear exception: The document provided on page XXX indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, however does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | XXX XX/XX/XXXX Please see XXX Appraisal LOX from the Borrower | 05/22/2025 | Evidence of appraisal delivery provided.; Material Finding | 05/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 510000196 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 05/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 510000199 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 05/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000202 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2025 | Resolved | FCRE9814 | Credit | Missing Trust Agreement | Missing Trust Agreement Pending Credit Review. | here you go | 05/21/2025 | Lender provided executed Certification of Trust. Condition cleared.; Trust Agreement Meets Guideline Requirements | 05/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> C |
| 510000202 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2025 | Resolved | FCRE4805 | Credit | Trust/POA Does Not Meet Guideline Requirements | Missing copy of trust agreement/trust cert. Note and deed are sign in a trust. Additional conditions may apply. | here you go | 05/21/2025 | Lender provided executed Certification of Trust. Condition cleared. | 05/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> C |
| 510000202 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). Documentation required to clear exception. TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The tolerance violation in the amount of $XXX is due to Increase from $XXX to $XXX for the Lock Extension Fee on CD XX/XX/XXXX. COC is in file, however, the file is missing Initial CD. Consummation date is XX/XX/XXXX, however the only CD's found in the file are dated XX/XX/XXXX and PCCD XX/XX/XXXX. Missing Initial CD that was provided within XXX days prior to consummation. Per Disclosure TracXXX on page XXX, Initial CD was sent XX/XX/XXXX. Please provide copy of initial CD for review. | here you go | 05/20/2025 | Lender provided initial CD. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial CD. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 05/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> C |
| 510000202 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than three business days before consummation. Documentation required to clear exception. Consummation date is XX/XX/XXXX, however the only CD's found in the file are dated XX/XX/XXXX and PCCD XX/XX/XXXX. Missing Initial CD that was provided within XXX days prior to consummation. Per Disclosure TracXXX on page XXX Initial CD was sent XX/XX/XXXX. Please provide copy of the initial CD for review. | here you go | 05/20/2025 | Lender provided initial CD. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 05/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> C |
| 510000202 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing confirmation of PITIA for property at XXX disclosed on schedule E of XXX's. Provide documentation in English or attach a complete translation. Maximum payment is $XXX per month otherwise DTI will need to be recalculated. Additional conditions may apply. | here you go | 05/20/2025 | Lender provided mortgage Statement with conversion rate for XXX. Condition cleared.; Borrower 1 Credit Report is not Partially present. | 05/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> C |
| 510000202 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 05/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> C |
| 510000205 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/20/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000208 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/20/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000208 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/20/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing evidence of the sale of the property located at XXX such as a signed Final CD or signed settlement Statement or sales contract with no contingencies. Additional conditions may apply. | XX/XX/XXXX XXX: See XXX settlement Statement | 05/22/2025 | Lender provided final settlement Statement for sale of XXX. Condition cleared.; Borrower 1 Credit Report is not Partially present. | 05/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/20/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HOA or letter from the borrower stating NO HOA for the property at XXX. Additional conditions may apply. | Docs for XXX | 05/28/2025 | Lender provided documentation for property XXX that included HOA fees. Condition cleared. | 05/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A |
| 510000211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/20/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> C |
| 510000214 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. XXX.Missing documentation for confirmation of terms and interest only monthly payments for bridge loan against XXX. File does contains wire for $XXX but no other documents. XXX. Appraisal for the subject property is a Row House and doesn't show an HOA fee but DU approval does as well as the XXX. Lender to provide satisfactory explanation and documentation if there is an HOA. XXX. Property at XXX shows on XXX as Free and clear. Lender to provide proof. Additional conditions may apply. | loe em from branch mgr for HOA, Bridge loan docs, XXX docs and XXXdocs; Bridge Loan docs, XXX docs and XXX docs | 05/29/2025 | Lender provided final CD and Note for Bridge Loan for property XXX, snippet of contract reflecting $XXX per month HOA fee for garage, and property detail report for XXX verifying property is owned free and clear. Condition cleared.; Borrower 1 Credit Report is not Partially present. | 05/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000214 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 510000220 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000223 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000226 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A<br> C |
| 510000226 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter from the borrower stating no HOA on the following properties: XXX and XXX. Additional conditions may apply. | XX/XX/XXXX - XXX: Please see XXX. The loan integrity report does not indicate an active HOA dues for XXX & XXX. | 05/27/2025 | Lender provided property search through FraudGUARD for properties XXX & XXX reflecting properties do not have HOA fees. Condition cleared. | 05/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A |
| 510000229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000232 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 510000235 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000238 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000241 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2025 | Resolved | FVAL4217 | Property | Missing Appraisal photos | Per FHLMC Selling Guide, the appraisal report must include at least one clear photograph that shows the front of each comparable sale. The appraisal dated XX/XX/XXXX is missing a photograph for one of the comparables. Please provide an updated appraisal that includes a photograph for the comparable sale #XXX. | ; Documentation received, XXX to review.; Document uploaded. appraisal; | 05/29/2025 | Appraisal field review provided with additional comparable with photo. Finding resolved. | 05/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 510000244 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/23/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX))  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | XXX XX/XX/XXXX Please see XXX. | 06/12/2025 | Lender provided Evidence of appraisal delivery. Condition cleared.; Evidence of appraisal delivery provided.; Material Finding | 06/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B<br> C |
| 510000244 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/23/2025 | Resolved | FCRE1173 | Credit | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy. Additional conditions may apply. | XX/XX/XXXX tm: XXX ; XX/XX/XXXX tm: The subject is a XXX condo with a H03 policy fully covering the replacement cost. An H06/master policy is not required. | 05/30/2025 | Lender provided replacement cost estimator reflecting replacement cost estimate of $XXX. Hazard insurance coverage of $XXX is sufficient to cover the replacement cost estimate of $XXX. Condition cleared.; HO-XXX Master Insurance Policy is fully present; Missing HO-XXX Master Insurance Policy Audit reviewed Lender's response and has determined a master insurance policy is not required on subject property due to subject being a XXX Condominium; however, the total insurance coverage of $XXX is not sufficient. Please provide replacement cost estimator or documentation to verify insurance includes replacement cost coverage to verify insurance coverage is sufficient. Condition retained. | 06/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C<br> B |
| 510000244 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/23/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: According to the property profile the subject property is a condominium. A Fannie Mae form XXX was used to evaluate. Please provide and LOE or an updated appraisal. Additional conditions may apply. | XX/XX/XXXX tm: Per appraiser commentary, the subject is a XXX condo and is part of a XXX unit condo project. The only common element is the fence. Fannie Mae section B4-XXX-XXX allows for a XXX condo to be on Form XXX. A correction is not necessary. XXX. | 05/29/2025 | Audit reviewed Lender's response and has determined FNMA Selling Guide B4-XXX-XXX allows for a XXX condo to be on Form XXX. Condition cleared.; Property/Appraisal Meets Guidelines | 05/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C<br> B |
| 510000244 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/23/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C<br> B |
| 510000247 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/23/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX))  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Documentation required: Provide evidence borrower received a copy of the appraisal report. | appraisal ack | 05/30/2025 | Lender provided Borrower's acknowledgement of appraisal. Condition cleared.; Evidence of appraisal delivery provided. | 06/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> C<br> A<br> B |
| 510000247 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/26/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> C<br> A<br> B |
| 510000250 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000253 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000256 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000259 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000262 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Acknowledged | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide CDA. | 2nd appraisal | 06/16/2025 | Investor granted an exception for the CDA to be completed on the higher of the two appraisals. Final grade will be a B.; XXX overlay requires CDA on lowest appraised value $XXX - condition retained. | 07/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A |
| 510000265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | econsent | 06/16/2025 | Received the missing e-consent, condition cleared. ; Evidence of eConsent is provided. | 06/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A<br> C |
| 510000265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | FCRE1322 | Credit | Borrower 1 Business Tax Returns Missing | Borrower 1 Business Tax Returns Missing File is missing XXX year 1120S and K-XXX's for XXX. Additional conditions may apply. | XXX tax return | 06/16/2025 | Borrower 1 Business Tax Returns Provided; Borrower 1 Business Tax Returns Missing | 06/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A<br> C |
| 510000265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | FCRE1334 | Credit | Borrower 1 Executed XXX-T Missing | Borrower 1 Executed XXX-T Missing File is missing the XXX for XXX. | 4506T for XXX | 06/16/2025 | Resolved as we have received the missing XXX. ; Borrower 1 Executed XXX-T Provided | 06/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A<br> C |
| 510000265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A |
| 510000268 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 510000268 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Please see XXX | 06/16/2025 | Required Affiliated Business Disclosure Documentation Provided | 06/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 510000271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/18/2025 | Rescinded | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Mitake - Rescind; Mitake - Rescind | 06/18/2025 | C<br> A |
| 510000271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/13/2025 | Rescinded | FCOM1688 | Compliance | Or. Rev. Stat. Ann. § XXX Collateral Protection Notice was not provided (Disclosure Page v2)  | Or. Rev. Stat. Ann. § XXX Collateral Protection Notice was not provided. | Please see paragraph XXX section (b) of uploaded Mortgage. | 06/17/2025 | Audit reviewed Lender's response and has determined the Collateral Protection Notice is part of the Deed of Trust, Paragraph XXX, section B. Condition rescinded.; Or. Rev. Stat. Ann. § XXX Collateral Protection Notice was provided. | 06/18/2025 | C<br> A |
| 510000274 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/16/2025 | Resolved | FCRE1469 | Credit | Asset XXX Missing | Asset XXX Missing File is missing the bank Statements for the XXX Retirement Funds in the amount of $XXX. Additional conditions may apply. | XXX docs | 06/20/2025 | Document Uploaded. ; Lender provided XXX months XXX Statements. Condition cleared.; Asset XXX Provided Or Not Applicable | 06/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> B |
| 510000274 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/16/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing the mortgage Statement for the property located at XXX, in order to determine if the tax and insurance are escrowed. Additional conditions may apply. | Departing residence docs | 06/20/2025 | Lender provided mortgage Statement for XXX reflecting escrows include both taxes and insurance. Condition cleared. ; Borrower 1 Credit Report is not Partially present. | 06/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> C<br> B |
| 510000274 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required - missing econsent dated on or prior to XX/XX/XXXX. | E-consent | 06/20/2025 | Evidence of eConsent is provided.; Material Finding | 06/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> B |
| 510000274 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> C<br> B |
| 510000277 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Required Affiliated Business Disclosure Missing. | ; ; Documentation received, XXX to review.; Document uploaded. ; | 07/11/2025 | Affiliated business disclosure provided, exception resolved; Required Affiliated Business Disclosure Documentation Provided | 07/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B |
| 510000277 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided DU shows transaction as limited cash out, debts including delinquent taxes were paid at closing. Please provide the final AUS with matching terms | ; Documentation received, XXX to review.; Document uploaded. ; | 07/11/2025 | AUS is not incomplete | 07/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B |
| 510000283 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. Third Party Processing fee of $XXX added to CDs which was not previously disclosed. | ; ; Documentation received, XXX to review.; Document uploaded. pccd; ; ; | 07/08/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 07/08/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 510000283 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title coverage amount of $XXX is less than the subject loan amount of $XXX. Please provide a revised title commitment with sufficient coverage. | ; Documentation received, XXX to review.; Document uploaded. title; ; | 06/30/2025 | Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | 07/08/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 510000283 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Primary appraiser (XXX) on appraisal dated XX/XX/XXXX with a value of $XXX was not checked against the exclusionary lists. | ; Documentation received, XXX to review.; Document uploaded. fraud report updated; ; | 07/03/2025 | All Interested Parties Checked against Exclusionary Lists | 07/08/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 510000286 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided The provided AUS does not match the final terms of the loan. Please provide the Final AUS with correct loan amount and hazard insurance premium. | ; ; Documentation received - XXX to review. ; Document uploaded. ; ; ; | 06/30/2025 | Updated AUS received ; AUS is not incomplete | 06/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 510000292 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/28/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. The XXX% tolerance violation in the amount of $XXX is due to the increase of the Appraisal fee from $XXX on LE XX/XX/XXXX to $XXX on LE XX/XX/XXXX and again increased to $XXX without a valid COC. The COC in file indicates its due to the invoice being received but the invoice was dated XX/XX/XXXX so the increase was not disclosed timely. | ; ; Documentation received, XXX to review.; Document uploaded. ; | 07/21/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 07/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 510000292 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/28/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Affiliated business disclosure is missing. | ; Documentation received, XXX to review.; Document uploaded. ; | 07/08/2025 | Required Affiliated Business Disclosure Documentation Provided | 07/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 510000295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2025 | Resolved | FCOM1231 | Credit | The Initial XXX is Missing | The Initial XXX is Missing Missing initial loan application (XXX). | ; Documentation received, XXX to review.; Document uploaded. ; Condition updated XXX ; Documentation received, XXX to review.; Document uploaded. ; | 07/28/2025 | The Initial XXX is Present; Executed initial XXX provided ; Lender uploaded XX/XX/XXXX which is post close. The loan closed on XX/XX/XXXX. Need Initial XXX signed and dated by borrower on XX/XX/XXXX per Loan Originator's signature. | 07/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 510000298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/03/2025 | Resolved | FCRE8201 | Credit | Loan does not conform to program guidelines | Loan file is missing required QM Designation per XXX AUS Program Eligibility Guide v21. | ; | 07/08/2025 | Per client email: XXX accepts QM designation as QM: Average Prime Offer Rate (APOR). Finding is resolved. | 07/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000301 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. The deposit in the amount of $XXX dated XX/XX/XXXX is required to be sourced in order to meet reserve requirements per guidelines. | ; Documentation received, XXX to review ; Document uploaded. Please see XXX Statement from donor reflecting $XXXk in gift funds on XX/XX/XXXX along with gift letter and revised UW docs.; ; | 07/24/2025 | Documentation provided to source $XXXk gift. Seasoning requirement met ; The required number of months reserves are to be seasoned does meet Guideline requirement. | 07/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 510000301 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Rescinded | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount)  | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. XXX requires XXX months reserves for the subject loan and an additional XXX months for the other REO PITIA reflected on the Final 1003. It appears from the XXX that the Lender did not include the XXX month requirement for the other REO. Loan is short of reserve requirement with XXX months present. Lender to also provide the sourcing of the $XXX deposit made just a week before the closing to the bank account verified in file. | ; ; | 07/07/2025 | Reserves were met with bank Statements provided in loan file without sourcing the XXXk deposit. Finding is rescinded. ; Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX. | 07/07/2025 | D<br> A |
| 510000307 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/03/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements FTHB missing XXX months of rental payment history, XXX months in file. Required per XXX guidelines. | ; Documentation received, XXX to review.; Document uploaded. XXX months of rents; | 07/17/2025 | Housing History Meets Guideline Requirements; Updated proof of rents provided | 07/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000313 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | FCRE1304 | Credit | Income XXX Income Trend is Decreasing | Income XXX Income Trend is Decreasing There is an LOE addressing the decline in income in how their compensation is paid out. | ; ; ; ; | 07/18/2025 | LOE for decreasing income provided; Income XXX Income Trend is Resolved | 07/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 510000313 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered Borrower 1 XXX self employment income is decreasing, no LOE provided to explain reduction, $XXX of asset depletion used to meet expanded DTI requirement of XXX% | ; ; ; | 07/18/2025 | LOE for decreasing income provided; ATR: Reasonable Income or Assets Was Considered | 07/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 510000313 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. The XXX% tolerance violation in the amount of $XXX is due to an increase in the Lender's Title Insurance from $XXX on LE XX/XX/XXXX to $XXX on CD XX/XX/XXXX without a valid COC. | ; Documentation received, XXX to review.; Document uploaded. ; | 07/18/2025 | PCCD and final settlement Statement provided; Exception resolved; PCCD and final settlement Statement provided; Exception resolved | 07/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 510000313 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | FCRE9500 | Credit | Missing Letter of Explanation (Assets)  | Gift letters do not show relationship to borrower. | ; Documentation received, XXX to review.; Document uploaded. ; ; | 07/17/2025 | ; Updated gift letter provided | 07/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 510000313 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | MISSING MORTGAGE Statement for XXX $XXX, to verify that property taxes and insurance are included. | ; Documentation received, XXX to review.; Document uploaded. ; | 07/15/2025 | Statement provided ; Mortgage Statement provided confirms PIIT for XXX | 07/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 510000316 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Affiliated business disclosure is missing | ; Documentation received, XXX to review.; Document uploaded. ; | 07/16/2025 | Required Affiliated Business Disclosure Documentation Provided | 07/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> B<br> A |
| 510000328 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2025 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The Final 1003 and XXX reflect and HOA fee of $XXX per month. There is no documentation in file to support this SFR has any monthly HOA dues. | ; Documentation received, XXX to review.; Document uploaded. XXX and AUS; | 07/23/2025 | Updated final XXX received, no HOA | 07/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 510000337 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. The XXX% tolerance violation in the amount of $XXX is due the transfer Taxes increased from $XXX on CD XX/XX/XXXX to $XXX on CD XX/XX/XXXX. There is a COC in file for the increase in loan amount, however the loan amount had increased on the XX/XX/XXXX but the increase in transfer taxes was not addressed at that point | ; Documentation received, XXX to review; Document uploaded. PCCD and refund check; | 08/20/2025 | Cure package provided to the borrower; Exception downgraded to a 2/B | 08/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 510000337 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | FCRE1184 | Credit | AUS Not Provided | Missing AUS | ; ; Document uploaded. Documentation received, XXX to review.; Please advise - Manual Underwrite is required per XXX overlays - AUS findings are not considered; no documentation waiver are considered. ; Document uploaded. ; | 08/11/2025 | AUS is not missing; AUS provided ; ; | 08/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C |
| 510000337 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Affiliated business disclosure is missing. | ; ; Documentation received, XXX to review.; Document uploaded. ; | 08/05/2025 | Required Affiliated Business Disclosure Documentation Provided | 08/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C |
| 510000343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | FCRE1155 | Credit | Subject on Note does not match Insured | Subject Property on Note does not match Insured Policy shows subject as XXX, note shows it as XXX | ; Documentation received, XXX to review.; Document uploaded. ; ; | 08/01/2025 | Updated dec page provided with matching street address ; Subject Property on Note matches Insured | 08/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | FCRE5775 | Credit | Borrower 2 Credit Report is Incomplete | Borrower 2 Credit Report is Partially Present. Credit report shows B2's Last Name as XXXXX, note shows it as XXX. | ; ; Documentation received, XXX to review ; It is one in the same per the name affidavit ; ; ; | 08/01/2025 | Credit report provided is acceptable, finding resolved ; Borrower 2 Credit Report is not Partially present. | 08/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing Statement for XXX acct #XXX. | ; ; ; Documentation received, XXX to review ; Document uploaded. the XXX is listed under spend and save as a cash account; ; ; | 08/01/2025 | XXX Statement for XXX provided, ; Asset Qualification Meets Guideline Requirements | 08/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 510000349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/17/2025 | Resolved | FCRE1184 | Credit | AUS Not Provided | Missing AUS Missing the Desktop Underwriter AUS. | ; Documentation received, XXX to review ; Document uploaded. ; ; | 07/28/2025 | AUS is not missing | 07/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 510000355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/21/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The borrower have a bank account #XXX that has a 3rd party on it as a joint account holder. The file is missing XXX% access letter allowing the borrowers full and complete access to these funds. | ; Can we waive this for B grade since not business funds? Comp Factors: XXX) XXX FICO XXX) $XXX in reserves XXX) borrower has been on job XXX+ years ; ; | 07/21/2025 | The lender waived the following exception with Comp Factors. | 07/21/2025 | Borrower has stable job time \| is Greater than the Guideline Minimum<br> C<br> B<br> A |
| 510000361 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/21/2025 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | Missing agreement for solar acct #XXX. The debt is listed on the Final 1003, but there is no documentation in the file. | ; Documentation received, XXX to review ; Document uploaded. ; | 07/23/2025 | ; All Valid Solar documentation provided | 07/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 510000364 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/21/2025 | Resolved | FCRE1253 | Credit | Missing Property Tax Cert | Missing Property Tax Cert Property tax bill provided by lender reflects annual taxes of $XXX / XXX = $XXX per month. Lender is using monthly payment of $XXX for property taxes. Missing property tax cert confirming monthly payment. | ; ; ; ; Rebuttal received, XXX to review. ; Please cancel, taxes calculated based off millage rate and purchase price:XXX $XXX \* XXX% = $XXX + $XXX = $XX/XX/XXXX=$XXX; ; | 07/28/2025 | Tax cert not needed in XXX, calculated on millage rate ; Property Tax Cert Provided | 07/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 510000364 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/22/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | ; Documentation received, XXX to review.; Document uploaded. ; | 07/27/2025 | Evidence of eConsent is provided. | 07/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 510000367 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/22/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing. | ; | 07/23/2025 | Required Affiliated Business Disclosure Documentation Provided; Document Uploaded. | 07/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 510000373 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/22/2025 | Resolved | FCRE1184 | Credit | AUS Not Provided | Missing AUS Missing AUS in file. | ; Documentation received, XXX to review.; Document uploaded. Please find final DU findings XXX; | 07/29/2025 | AUS is not missing; Updated AUS provided | 07/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 510000385 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/24/2025 | Resolved | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. Property located in FEMA Declared Disaster Area with no subsequent property Inspection. XXX, XXX, and XXX (XXX) incident date XX/XX/XXXX and declared on XX/XX/XXXX for XXX. Please provide a Post Close Disaster Inspection to confirm no damage to the subject property. |  | 08/11/2025 | FEMA Post Disaster Inspection report was provided. | 08/11/2025 | Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum<br> D<br> B<br> A<br> C |
| 510000385 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/25/2025 | Resolved | FCOM2296 | Compliance | XXX, § XXX(a) (XXX) (M) (i) - XXX XXX(a) (XXX) Notice for Home Equity Disclosure not provided at least XXX-days prior to consummation date | XXX, § XXX(a) (XXX) (M) (i) - XXX XXX(a) (XXX) Notice for Home Equity Disclosure not provided at least XXX-days prior to consummation date. The disclosure was dated XX/XX/XXXX and the Note was dated XX/XX/XXXX. The Notice for Home Equity Disclosure was not provided at least XXX-days prior to consummation. The document is located on page XXX and signed on consummation XX/XX/XXXX. | ; Documentation received, XXX to review.; Document uploaded. Please see XXX disclosures.; Seller needs to evidence this was received XXX days prior to closing or it will be ineligible. ; | 08/11/2025 | XXX, § XXX(a) (XXX) (M) (i) - XXX XXX(a) (XXX) Notice for Home Equity Disclosure was provided at least XXX-days prior to consummation date or Not Applicable.; XXX, § XXX(a) (XXX) (M) (i) - XXX XXX(a) (XXX) Notice for Home Equity Disclosure not provided at least XXX-days prior to consummation date. The disclosure was dated XX/XX/XXXX and the Note was dated XX/XX/XXXX. Document provided; Exception resolved; XXX, § XXX(a) (XXX) (M) (i) - XXX XXX(a) (XXX) Notice for Home Equity Disclosure not provided at least XXX-days prior to consummation date. The disclosure was dated XX/XX/XXXX and the Note was dated XX/XX/XXXX. Document provided; Exception resolved | 08/11/2025 | Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 510000385 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/24/2025 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. XXX, XXX, and XXX (XXX) incident date XX/XX/XXXX and declared on XX/XX/XXXX for XXX. Please provide a Post Close Disaster Inspection to confirm no damage to the subject property. | ; ; ; Documentation received, XXX to review.; Document uploaded. Please see XXX inspection.; | 08/11/2025 | Property Inspection Provided.; PDI provided | 08/11/2025 | Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 510000385 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/25/2025 | Waived | FCRE1479 | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. XXX guide requires two full months of asset Statements, one month of Per XXX acct #XXX provided | ; ; | 07/28/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (XXX) compensating factors for this purpose: Comp Factors:XXX) XXX% LTV XXX) XXX FICO XXX) $XXX in reserves. | 07/28/2025 | Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum<br> D<br> B<br> C<br> A |
| 510000391 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/24/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing. | ; Documentation received, XXX to review.; Document uploaded. ; | 07/30/2025 | Required Affiliated Business Disclosure Documentation Provided | 08/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A |
| 510000397 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Borrower does not meet all the requirements to use Restricted Stock Unit (RSU) as qualifying income due to less than two full years with same employer. According to the XXX, the Lender granted an exception to allow the use of RSU income with the new employer; however, a copy of the exception was not included in the loan file. | ; ; ; | 08/11/2025 | Client approved an exception for B grade based upon the following XXX (XXX) compensating factors: XXX) All credit paid as agreed XXX) $XXX in residual income XXX) XXX months in reserves.; Document Uploaded. | 08/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> B<br> C<br> A |
| 510000397 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX))  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least XXX-business days prior to consummation date XX/XX/XXXX. | ; Documentation received, XXX to review.; Document uploaded. ; ; | 08/11/2025 | Evidence of appraisal delivery provided. | 08/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> B<br> A |
| 510000397 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX The preliminary title report does not specify the proposed amount of title insurance coverage, and the loan file does not include the Lender's supplement report that confirms the title coverage amount. | ; ; Documentation received, XXX to review.; Document uploaded. ; ; | 08/11/2025 | Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Updated title provided | 08/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> B<br> A |
| 510000397 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | FCRE1472 | Credit | Asset XXX Missing | Asset XXX Missing Loan file is missing documentation verifying the loan amount, repayment terms, and evidence of the Borrower's receipt of the disbursed loan proceeds from the bridge loan with subject Lender used as part of the down payment for the subject transaction. | ; ; Documentation received, XXX to review.; Document uploaded. | 08/11/2025 | Asset XXX Provided Or Not Applicable; Final CD for bridge loan provided | 08/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> B<br> A |
| 510000400 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. The Blend document provided shows the borrowers econsent is still pending | ; ; Documentation received, XXX to review.; Document uploaded. ; ; | 08/12/2025 | Evidence of eConsent is provided. | 08/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 510000403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months)  | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) XXX, effective XXX XX/XX/XXXX months reserves for XXX% LTV purchase of owner-occupied SFR with loan amount < $XXX million. Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s). | ; Documentation received in XXX review.; Document uploaded. ; ; | 08/15/2025 | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s)  | 08/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount)  | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. XXX, effective XXX XX/XX/XXXX months reserves for XXX% LTV purchase of owner-occupied SFR with loan amount < $XXX million. Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX | ; ; Documentation received in XXX review.; Document uploaded. #XXX - reduced $XXXK CD closure deposit ; ; | 08/15/2025 | Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX. | 08/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 510000409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Credit Report fee. The COC dated XX/XX/XXXX does not provide enough information to determine if this was a valid increase. Please provide more specific information on why it increased to possibly cure the finding. | ; ; Documentation received, XXX to review. ; Document uploaded. ; Condition updated XXX. ; Documentation received, XXX to review.; Document uploaded. ; ; | 08/18/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Receipt of an invoice is not considered a valid COC. The invoice in file shows the last pull date for the credit was XX/XX/XXXX however it was not disclosed until XX/XX/XXXX which is not considered timely. Cure required | 08/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 510000412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/13/2025 | Resolved | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. The Borrower's verified assets totaling $$XXX do not cover required cash to close of $XXX and XXX-months reserves of $XXX required for First Time Home Buyers (FTHB) , totaling $XXX. Additionally, the earnest money deposit (EMD) wire transfer in the amount of $XXX shows the originating bank as XXX "By XXX, which appears to be a business account for which there were no bank Statements or proof of ownership provided in the loan file as required per XXX Program Eligibility Guide v47. Furthermore, the gift funds of $XXX were used, which are permissible only after the Borrower contributes XXX% of their own funds ($XXX based on the $XXX) toward the down payment per XXX Program Eligibility Guide v47; however, the Borrower has not met this minimum contribution requirement, as no personal funds were used for the down payment, and the $XXX EMD from the business account (XXX) cannot be counted due to absence of required business bank Statements showing no NSF's or overdrafts and proof of ownership. The final Closing Disclosure reflects only the $XXX EMD and $XXX cash to close against the required XXX% LTV down payment of $XXX. | ; Documentation and comment received, XXX to review.; Document uploaded. File/Lock updated under Sequioa AUS program. Borrower contribution no longer required and reduced reserves at only XXX months. XX/XX/XXXX XXX $XX/XX/XXXX XXX XXX $XXX/XX/XX/XXXX $XXX/XX/XX/XXXX $XXX Gift of $XXX from XXX, XXX Bank account XXX EMD $XXX XXXx Reserves $XXX Funds to close $XXX ; | 08/20/2025 | Received Updated lock from XXX for AUS XXX program.. XXX months reserves sufficient ; The required number of months reserves are to be seasoned does meet Guideline requirement. | 08/20/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 510000415 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the Affiliated Business disclosure dated within XXX business days from application date XX/XX/XXXX. | ; Documentation received, XXX to review.; Document uploaded. ; ; | 08/21/2025 | Required Affiliated Business Disclosure Documentation Provided | 08/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A |
| 510000418 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing documentation supporting the property taxes, insurance and HOA on the investment property in XXX totaling $XXX per month. | ; Documentation received, XXX to review.; Document uploaded. ; ; | 08/18/2025 | HOI for XXX provided ; RE Taxes and HOA fees are disclosed on the Contract of Sale for the property at XXX, but the hazard insurance expense verification is not, and it is not contained elsewhere in the loan file. Please provide the hazard insurance expense verification for this property. | 08/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 510000421 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/12/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. The blend document indicates the e-consent was still pending | ; Documentation received, XXX to review.; Document uploaded. ; ; | 08/18/2025 | Evidence of eConsent is provided. | 08/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> B<br> A |
| 510000280 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 510000289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 510000304 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 510000310 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 510000319 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 510000322 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 510000325 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 510000331 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 510000334 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 510000340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 510000346 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 510000352 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 510000358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 510000370 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 510000376 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 510000379 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 510000382 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 510000388 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 510000394 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 510000406 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 510000424 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 510000427 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 510000430 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |

---

## Exhibit 99.12

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 510000001 |  |  | $XXXXXX<br> C<br> A |
| 510000004 |  |  | $XXXXXX<br> D<br> A |
| 510000007 |  |  | $XXXXXX<br> C<br> A |
| 510000010 |  |  | $XXXXXX<br> D<br> C<br> A<br> B |
| 510000013 |  |  | $XXXXXX<br> D<br> C<br> A |
| 510000016 |  |  | $XXXXXX<br> C<br> A |
| 510000019 |  |  | $XXXXXX<br> D<br> A |
| 510000022 |  |  | $XXXXXX<br> C<br> A |
| 510000025 |  |  | $XXXXXX<br> C<br> A<br> B |
| 510000028 |  |  | $XXXXXX<br> C<br> A |
| 510000031 |  |  | $XXXXXX<br> C<br> A |
| 510000034 |  |  | $XXXXXX<br> C<br> A |
| 510000037 |  |  | $XXXXXX<br> C<br> B<br> A |
| 510000040 |  |  | $XXXXXX<br> C<br> B<br> A |
| 510000043 |  |  | $XXXXXX<br> D<br> A |
| 510000046 |  |  | $XXXXXX<br> C<br> A |
| 510000049 |  |  | $XXXXXX<br> C<br> A |
| 510000052 |  |  | $XXXXXX<br> D<br> A<br> C |
| 510000055 |  |  | $XXXXXX<br> C<br> A |
| 510000058 |  |  | $XXXXXX<br> C<br> A |
| 510000061 | XXXXX |  | $XXXXXX<br> A<br> C<br> B |
| 510000064 |  |  | $XXXXXX<br> C<br> A |
| 510000067 |  |  | $XXXXXX<br> C<br> A |
| 510000070 |  |  | $XXXXXX<br> C<br> A |
| 510000073 |  |  | $XXXXXX<br> C<br> B<br> A |
| 510000076 |  |  | $XXXXXX<br> C<br> A |
| 510000079 |  |  | $XXXXXX<br> C<br> A |
| 510000082 |  |  | $XXXXXX<br> C<br> A |
| 510000085 |  |  | $XXXXXX<br> C<br> A |
| 510000088 |  |  | $XXXXXX<br> C<br> A |
| 510000091 |  |  | $XXXXXX<br> C<br> A |
| 510000094 |  |  | $XXXXXX<br> C<br> A |
| 510000097 |  |  | $XXXXXX<br> C<br> A |
| 510000100 |  |  | $XXXXXX<br> C<br> A |
| 510000103 |  |  | $XXXXXX<br> C<br> A |
| 510000106 |  |  | $XXXXXX<br> C<br> A |
| 510000109 |  |  | $XXXXXX<br> C<br> A |
| 510000112 |  |  | $XXXXXX<br> C<br> A |
| 510000115 |  |  | $XXXXXX<br> C<br> A |
| 510000118 |  |  | $XXXXXX<br> C<br> A |
| 510000121 |  |  | $XXXXXX<br> C<br> A |
| 510000124 |  |  | $XXXXXX<br> C<br> B<br> A |
| 510000127 |  |  | $XXXXXX<br> D<br> A |
| 510000130 |  |  | $XXXXXX<br> C<br> A |
| 510000133 |  |  | $XXXXXX<br> D<br> A |
| 510000136 |  |  | $XXXXXX<br> D<br> A |
| 510000139 |  |  | $XXXXXX<br> C<br> A |
| 510000142 |  |  | $XXXXXX<br> C<br> A |
| 510000145 |  |  | $XXXXXX<br> C<br> A |
| 510000148 |  |  | $XXXXXX<br> C<br> A |
| 510000151 |  |  | $XXXXXX<br> C<br> A |
| 510000154 |  |  | $XXXXXX<br> D<br> A |
| 510000157 |  |  | $XXXXXX<br> D<br> C<br> A |
| 510000160 |  |  | $XXXXXX<br> C<br> A |
| 510000163 |  |  | $XXXXXX<br> C<br> A |
| 510000166 |  |  | $XXXXXX<br> C<br> A |
| 510000169 |  |  | $XXXXXX<br> D<br> A |
| 510000172 |  |  | $XXXXXX<br> C<br> A |
| 510000175 |  |  | $XXXXXX<br> D<br> A |
| 510000178 |  |  | $XXXXXX<br> D<br> A |
| 510000181 |  |  | $XXXXXX<br> C<br> B<br> A |
| 510000184 |  |  | $XXXXXX<br> C<br> B<br> A |
| 510000187 |  |  | $XXXXXX<br> D<br> A |
| 510000190 |  |  | $XXXXXX<br> C<br> A |
| 510000193 |  |  | $XXXXXX<br> C<br> A |
| 510000196 |  |  | $XXXXXX<br> C<br> B<br> A |
| 510000199 |  |  | $XXXXXX<br> C<br> A |
| 510000202 |  |  | $XXXXXX<br> D<br> C<br> A |
| 510000205 |  |  | $XXXXXX<br> C<br> A |
| 510000208 |  |  | $XXXXXX<br> C<br> A |
| 510000211 |  |  | $XXXXXX<br> D<br> A |
| 510000214 |  |  | $XXXXXX<br> C<br> A |
| 510000217 |  |  | $XXXXXX<br> C<br> A |
| 510000220 |  |  | $XXXXXX<br> C<br> A |
| 510000223 |  |  | $XXXXXX<br> C<br> A |
| 510000226 |  |  | $XXXXXX<br> D<br> A |
| 510000229 |  |  | $XXXXXX<br> C<br> A |
| 510000232 |  |  | $XXXXXX<br> C<br> A |
| 510000235 |  |  | $XXXXXX<br> C<br> A |
| 510000238 |  |  | $XXXXXX<br> C<br> A |
| 510000241 | XXXXX |  | $XXXXXX<br> A<br> D |
| 510000244 |  |  | $XXXXXX<br> D<br> B<br> C<br> A |
| 510000247 |  |  | $XXXXXX<br> C<br> B<br> A |
| 510000250 |  |  | $XXXXXX<br> C<br> A |
| 510000253 |  |  | $XXXXXX<br> C<br> A |
| 510000256 |  |  | $XXXXXX<br> C<br> A |
| 510000259 |  |  | $XXXXXX<br> C<br> A |
| 510000262 |  |  | $XXXXXX<br> C<br> A |
| 510000265 |  |  | $XXXXXX<br> D<br> B<br> C<br> A |
| 510000268 |  |  | $XXXXXX<br> C<br> B<br> A |
| 510000271 |  |  | $XXXXXX<br> C<br> A |
| 510000274 |  |  | $XXXXXX<br> D<br> B<br> A |
| 510000277 | XXXXX |  | $XXXXXX<br> D<br> B<br> A |
| 510000280 | XXXXX |  | $XXXXXX<br> A |
| 510000283 | XXXXX |  | $XXXXXX<br> C<br> A<br> B |
| 510000286 | XXXXX |  | $XXXXXX<br> D<br> A |
| 510000289 | XXXXX |  | $XXXXXX<br> A |
| 510000292 | XXXXX |  | $XXXXXX<br> A<br> C<br> B |
| 510000295 | XXXXX |  | $XXXXXX<br> D<br> A |
| 510000298 | XXXXX |  | $XXXXXX<br> C<br> A |
| 510000301 | XXXXX |  | $XXXXXX<br> D<br> A |
| 510000304 | XXXXX |  | $XXXXXX<br> A |
| 510000307 | XXXXX |  | $XXXXXX<br> C<br> A |
| 510000310 | XXXXX |  | $XXXXXX<br> A |
| 510000313 | XXXXX |  | $XXXXXX<br> D<br> C<br> A |
| 510000316 | XXXXX |  | $XXXXXX<br> A<br> B |
| 510000319 | XXXXX |  | $XXXXXX<br> A |
| 510000322 | XXXXX |  | $XXXXXX<br> A |
| 510000325 | XXXXX |  | $XXXXXX<br> A |
| 510000328 | XXXXX |  | $XXXXXX<br> D<br> A |
| 510000331 | XXXXX |  | $XXXXXX<br> A |
| 510000334 | XXXXX |  | $XXXXXX<br> A |
| 510000337 | XXXXX |  | $XXXXXX<br> D<br> C<br> A<br> B |
| 510000340 | XXXXX |  | $XXXXXX<br> A |
| 510000343 | XXXXX |  | $XXXXXX<br> C<br> A |
| 510000346 | XXXXX |  | $XXXXXX<br> A |
| 510000349 | XXXXX |  | $XXXXXX<br> D<br> A |
| 510000352 | XXXXX |  | $XXXXXX<br> A |
| 510000355 | XXXXX |  | $XXXXXX<br> C<br> A<br> B |
| 510000358 | XXXXX |  | $XXXXXX<br> A |
| 510000361 | XXXXX |  | $XXXXXX<br> D<br> A |
| 510000364 | XXXXX |  | $XXXXXX<br> C<br> B<br> A |
| 510000367 | XXXXX |  | $XXXXXX<br> A<br> B |
| 510000370 | XXXXX |  | $XXXXXX<br> A |
| 510000373 | XXXXX |  | $XXXXXX<br> D<br> A |
| 510000376 | XXXXX |  | $XXXXXX<br> A |
| 510000379 | XXXXX |  | $XXXXXX<br> A |
| 510000382 | XXXXX |  | $XXXXXX<br> A |
| 510000385 | XXXXX |  | $XXXXXX<br> C<br> D<br> B<br> A |
| 510000388 | XXXXX |  | $XXXXXX<br> A |
| 510000391 | XXXXX |  | $XXXXXX<br> A<br> B |
| 510000394 | XXXXX |  | $XXXXXX<br> A |
| 510000397 | XXXXX |  | $XXXXXX<br> D<br> B<br> A |
| 510000400 | XXXXX |  | $XXXXXX<br> A<br> B |
| 510000403 | XXXXX |  | $XXXXXX<br> C<br> A |
| 510000406 | XXXXX |  | $XXXXXX<br> A |
| 510000409 | XXXXX |  | $XXXXXX<br> A<br> C<br> B |
| 510000412 | XXXXX |  | $XXXXXX<br> D<br> A |
| 510000415 | XXXXX |  | $XXXXXX<br> A<br> B |
| 510000418 | XXXXX |  | $XXXXXX<br> D<br> A |
| 510000421 | XXXXX |  | $XXXXXX<br> A<br> B |
| 510000424 | XXXXX |  | $XXXXXX<br> A |
| 510000427 | XXXXX |  | $XXXXXX<br> A |
| 510000430 | XXXXX |  | $XXXXXX<br> A |

---

## Exhibit 99.13

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 510000001 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 510000004 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 510000007 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 510000010 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 510000013 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | XXX | Desk Review |  |  |  |  | $XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | XXX |  |  | XX/XX/XXXX | $XXX | XXX | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 510000016 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 510000019 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 510000022 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 510000025 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 510000028 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 510000031 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 510000034 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.6 |  |
| 510000037 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 510000040 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | XXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 510000043 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 510000046 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 510000049 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 510000052 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 510000055 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.8 |  |
| 510000058 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 510000061 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | XXX | Desk Review |  |  |  |  | $XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 510000064 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | XXX | Desk Review |  |  |  |  | $XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 510000067 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 510000070 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 510000073 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 510000076 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 510000079 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 510000082 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 510000085 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 510000088 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 510000091 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 510000094 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 510000097 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 510000100 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 510000103 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 510000106 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 510000109 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 510000112 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 510000115 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 510000118 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 510000121 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 510000124 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 510000127 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 510000130 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 510000133 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 510000136 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 510000139 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.4 |  |
| 510000142 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 510000145 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 510000148 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 510000151 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 510000154 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 510000157 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 510000160 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 510000163 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 510000166 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 510000169 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 510000172 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 510000175 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 510000178 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 510000181 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 510000184 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 510000187 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 510000190 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 510000193 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 510000196 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| 510000199 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | XXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 510000202 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 510000205 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 510000208 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 510000211 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | XXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 510000214 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 510000217 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 510000220 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 510000223 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 510000226 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 510000229 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 510000232 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 510000235 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 510000238 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 510000241 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | XXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 510000244 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 510000247 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 510000250 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 510000253 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 510000256 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 510000259 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 510000262 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 510000265 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  | $XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 510000268 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.7 |  |
| 510000271 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 510000274 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | XXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 510000277 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 510000280 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 510000283 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | XXX | Desk Review |  |  |  |  | $XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 510000286 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 510000289 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 510000292 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 510000295 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 510000298 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | XXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 510000301 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 510000304 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  | $XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 510000307 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 510000310 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 510000313 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 510000316 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 510000319 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 510000322 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 510000325 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 510000328 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 510000331 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 510000334 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 510000337 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 510000340 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 510000343 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 510000346 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 510000349 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 510000352 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | XXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 510000355 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.6 |  |
| 510000358 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 510000361 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 510000364 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 510000367 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 510000370 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 510000373 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 510000376 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 510000379 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 510000382 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 510000385 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 510000388 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 510000391 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 510000394 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 510000397 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 510000400 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 510000403 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 510000406 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 510000409 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.9 |  |
| 510000412 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 510000415 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 510000418 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | XXX | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 510000421 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 510000424 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 510000427 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 510000430 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |

---

## Exhibit 99.14

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 510000010 |  |  | XXX | Total Closing Costs | XXX | XXX | XXX | Audited data confirmed with final CD. |
| 510000025 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000031 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000040 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000040 |  |  | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | XXX | DTI variance due to lender including Regions Bank debt with a monthly payment of $XXX into the DTI calculations twice. This debt is associated with the borrowers investment property and captured in REO calcs. |
| 510000058 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000064 |  |  | XXX | Total Monthly Property Insurance Amount | XXX | XXX | XXX | HOI plus flood insurance. |
| 510000064 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000067 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000070 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000076 |  |  | XXX | Total Closing Costs | XXX | XXX | XXX | Audited data confirmed with PCCD in file. |
| 510000082 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000085 |  |  | XXX | Total Closing Costs | XXX | XXX | XXX | Audited data confirmed with final CD. |
| 510000085 |  |  | XXX | Total Monthly Property Insurance Amount | XXX | XXX | XXX | Per HOI plus flood. |
| 510000085 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000100 |  |  | XXX | Total Closing Costs | XXX | XXX | XXX | Audited data confirmed with final CD. |
| 510000100 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000103 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000118 |  |  | XXX | Total Closing Costs | XXX | XXX | XXX | Audited data confirmed with PCCD in file. |
| 510000118 |  |  | XXX | Total Monthly Property Insurance Amount | XXX | XXX | XXX | It appears the lender transposed the numbers. The lender qualified the loan with a monthly HOI amount or $XXX of $XXX annual. Per the HOI dec page in page of XXX the annual amount is $XXX or $XXX. |
| 510000118 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000127 |  |  | XXX | Total Monthly Property Insurance Amount | XXX | XXX | XXX | Per HOI dec page in file. |
| 510000127 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000130 |  |  | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | XXX | Audited DTI matches lender's calculation. |
| 510000145 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000148 |  |  | XXX | Total Closing Costs | XXX | XXX | XXX | Audited data confirmed with PCCD in file. |
| 510000148 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000151 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000178 |  |  | XXX | Borrower 1 FTHB | XXX | XXX | XXX | Per Final 1003, B1 is not FTHB. |
| 510000178 |  |  | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | XXX | Audited DTI matches lender's calculation. |
| 510000199 |  |  | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | XXX | Audited DTI matches lender's calculation. |
| 510000217 |  |  | XXX | Qualifying FICO | XXX | XXX | XXX | Per credit report. |
| 510000220 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000229 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000232 |  |  | XXX | Total Closing Costs | XXX | XXX | XXX | Audited data confirmed with final CD. |
| 510000232 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000238 |  |  | XXX | Total Closing Costs | XXX | XXX | XXX | Audited data confirmed with PCCD in file. |
| 510000238 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000241 | XXXXX |  | XXX | Borrower 1 Last Name | XXX | XXX | XXX | Differences due to capitalization and borrower signed the note using XXX. |
| 510000241 | XXXXX |  | XXX | Refinance Purpose | XXX | XXX | XXX | Subject paid off first mortgage that was used to acquire the subject property and the Borrower received less than $XXX in cash maximum allowed for R&T refinance. |
| 510000250 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000253 |  |  | XXX | Borrower 2 SSN | XXX | XXX | XXX | Per final application. |
| 510000253 |  |  | XXX | Total Monthly Property Insurance Amount | XXX | XXX | XXX | Per HOI documentation in file. |
| 510000253 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000256 |  |  | XXX | Borrower 2 Self-Employment Flag | XXX | XXX | XXX | Per income documents in loan file. |
| 510000259 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000262 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000265 |  |  | XXX | Secondary Appraised Property Value | XXX | XXX | XXX | Difference is due to vs appraisal value. |
| 510000268 |  |  | XXX | Total Closing Costs | XXX | XXX | XXX | Audited data confirmed with final CD. |
| 510000268 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000271 |  |  | XXX | Total Closing Costs | XXX | XXX | XXX | Audited data confirmed with final CD. |
| 510000271 |  |  | XXX | Total Monthly Property Insurance Amount | XXX | XXX | XXX | Hazard insurance plus flood. |
| 510000271 |  |  | XXX | Total Qualified Assets Post-Close  | XXX | XXX | XXX | Audited figure matches asset documents in loan file. |
| 510000271 |  |  | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | XXX | Audited DTI matches lender's calculation. |
| 510000277 | XXXXX |  | XXX | Refinance Purpose | XXX | XXX | XXX | Per final CD, subject transaction is a cash out. |
| 510000286 | XXXXX |  | XXX | Sales Price | XXX | XXX | XXX | Audit purchase price matches updated XXX based on new purchase price. |
| 510000292 | XXXXX |  | XXX | Cash Out Amount | XXX | XXX | XXX | Cash out per CD in file reflects $ XXX. |
| 510000295 | XXXXX |  | XXX | Interest Rate | XXX | XXX | XXX | confirmed using note. |
| 510000295 | XXXXX |  | XXX | Subject Property Type | XXX | XXX | XXX | Verified the property type using appraisal. |
| 510000304 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit verified debts/income matches XXX and AUS. Tape data DTI is unknown. |
| 510000319 | XXXXX |  | XXX | Cash Out Amount | XXX | XXX | XXX | Per final CD, total cash out was $XXX. |
| 510000319 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Per final XXX and DU, DTI was XXX%. |
| 510000325 | XXXXX |  | XXX | Property Zip Code | XXX | XXX | XXX | Per note, zip code is XXX. |
| 510000325 | XXXXX |  | XXX | Original Loan Amount | XXX | XXX | XXX | Per note, loan amount is XXX. |
| 510000334 | XXXXX |  | XXX | Cash Out Amount | XXX | XXX | XXX | Cashout is $ XXX, which reflects cash in hand + payoff of debts. |
| 510000337 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | Per appraisal report, subject was $XXX |
| 510000337 | XXXXX |  | XXX | Escrow Flag | XXX | XXX | XXX | Per final CD, XXX escrow account was established. |
| 510000340 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | per appraisal is $ XXX. |
| 510000340 | XXXXX |  | XXX | Qualifying FICO | XXX | XXX | XXX | Qualifying mid score per Credit report in file is XXX. |
| 510000340 | XXXXX |  | XXX | Subject Property Type | XXX | XXX | XXX | Subject is a PUD per Appraisal and PUD rider in file. |
| 510000343 | XXXXX |  | XXX | Borrower 2 Last Name | XXX | XXX | XXX | Note shows B2's Last Name as XXX. |
| 510000346 | XXXXX |  | XXX | Escrow Flag | XXX | XXX | XXX | No Escrow per final CD in file. |
| 510000349 | XXXXX |  | XXX | Escrow Flag | XXX | XXX | XXX | XXX Escrow per CD in file. |
| 510000352 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | Per appraisal report, subject was $XXX |
| 510000352 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Per final XXX and AUS, DTI was XXX%. |
| 510000358 | XXXXX |  | XXX | Cash Out Amount | XXX | XXX | XXX | Per post close CD, cash to borrower was $XXX. |
| 510000364 | XXXXX |  | XXX | Subject Property Type | XXX | XXX | XXX | Subject property is a PUD and entered as such in Property tab. |
| 510000367 | XXXXX |  | XXX | Borrower 3 First Name | XXX | XXX | XXX | B3 First Name is XXX per Note. |
| 510000367 | XXXXX |  | XXX | Borrower 2 First Name | XXX | XXX | XXX | B2 First Name per Note is XXX. |
| 510000367 | XXXXX |  | XXX | Borrower 2 SSN | XXX | XXX | XXX | B2 SSN is XXX-XXX-XXX. |
| 510000367 | XXXXX |  | XXX | Borrower 3 SSN | XXX | XXX | XXX | B3 SSN XXX-XXX-XXX. |
| 510000373 | XXXXX |  | XXX | Qualifying LTV | XXX | XXX | XXX | Loan Amount $XXX/ value $XXX = XXX% LTV. |
| 510000373 | XXXXX |  | XXX | Qualifying CLTV | XXX | XXX | XXX | Loan Amount $XXX/ value $XXX = XXX% CLTV |
| 510000379 | XXXXX |  | XXX | Property City | XXX | XXX | XXX | per Note is XXX |
| 510000379 | XXXXX |  | XXX | Property State | XXX | XXX | XXX | Property State per Note is XXXX |
| 510000379 | XXXXX |  | XXX | Property Zip Code | XXX | XXX | XXX | per Note is XXX. |
| 510000379 | XXXXX |  | XXX | Property Address | XXX | XXX | XXX | is XXX |
| 510000379 | XXXXX |  | XXX | Borrower 1 First Name | XXX | XXX | XXX | B1 First name is XXX. |
| 510000379 | XXXXX |  | XXX | Borrower 1 Last Name | XXX | XXX | XXX | B1 Last Name is XXX. |
| 510000379 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | per Appraisal is $ XXX |
| 510000379 | XXXXX |  | XXX | Borrower 1 SSN | XXX | XXX | XXX | B1 ssn XXX-XXX-XXX |
| 510000379 | XXXXX |  | XXX | ULI | XXX | XXX | XXX | ULI per Final 1003 is XXX. |
| 510000379 | XXXXX |  | XXX | Qualifying FICO | XXX | XXX | XXX | Qualifying Mid score is XXX. |
| 510000379 | XXXXX |  | XXX | Qualifying LTV | XXX | XXX | XXX | is XXX% which matches the AUS and XXX in file. |
| 510000379 | XXXXX |  | XXX | Qualifying CLTV | XXX | XXX | XXX | is XXX% which matches the AUS and XXX in file. |
| 510000379 | XXXXX |  | XXX | Cash Out Amount | XXX | XXX | XXX | Per final CD, cash out is $ XXX. |
| 510000385 | XXXXX |  | XXX | Property Zip Code | XXX | XXX | XXX | per Note is XXX. |
| 510000385 | XXXXX |  | XXX | Property State | XXX | XXX | XXX | Property State per Note is XXXX. |
| 510000385 | XXXXX |  | XXX | Property City | XXX | XXX | XXX | per Note is XXX |
| 510000385 | XXXXX |  | XXX | Property Address | XXX | XXX | XXX | Address per note is XXX |
| 510000385 | XXXXX |  | XXX | Borrower 1 First Name | XXX | XXX | XXX | B1 First Name per the executed Note is XXX. |
| 510000385 | XXXXX |  | XXX | Borrower 1 Last Name | XXX | XXX | XXX | B1 Last Name per Note is XXXXX. |
| 510000385 | XXXXX |  | XXX | Borrower 1 SSN | XXX | XXX | XXX | B! SSN is XXX-XXX-XXX. |
| 510000385 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | per appraisal is $ XXX. |
| 510000385 | XXXXX |  | XXX | Qualifying FICO | XXX | XXX | XXX | Qualifying score per credit report is XXX. |
| 510000385 | XXXXX |  | XXX | Qualifying LTV | XXX | XXX | XXX | Loan Amount $XXX / value $XXX = LTV XXX%. |
| 510000385 | XXXXX |  | XXX | Qualifying CLTV | XXX | XXX | XXX | Loan Amount $XXX / value $XXX = CLTV XXX%. |
| 510000385 | XXXXX |  | XXX | Cash Out Amount | XXX | XXX | XXX | Cash out per final CD is $ XXX which includes payoffs + cash in hand. |
| 510000394 | XXXXX |  | XXX | Cash Out Amount | XXX | XXX | XXX | Final CD confirms cash to borrower and debts paid totals XXX amount of $XXX. |
| 510000400 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | per appraisal, $ XXX. |
| 510000400 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audited DTI of XXX% matches the XXX in file. |
| 510000406 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | per appraisal $XXX. |
| 510000406 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audited DTI matches lender's DTI on the AUS and final XXX. |
| 510000409 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | Appraisal and CDA both confirm is $XXX |
| 510000409 | XXXXX |  | XXX | Qualifying FICO | XXX | XXX | XXX | Credit report confirms borrowers' mid score is XXX. |
| 510000409 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | AUS and XXX both confirm the DTI is XXX%. |
| 510000412 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | Audited value of $XXX is appraised value. Tape data value of $XXX is. |
| 510000412 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit DTI of XXX% just slightly above approved DTI of XXX% due to calculated commission income. Tape data value is unknown. |
| 510000415 | XXXXX |  | XXX | Interest Rate | XXX | XXX | XXX | Per note, is XXX% |
| 510000415 | XXXXX |  | XXX | Qualifying LTV | XXX | XXX | XXX | Per final XXX, LTV was XXX%. |
| 510000415 | XXXXX |  | XXX | Qualifying CLTV | XXX | XXX | XXX | Per final XXX, CLTV was XXX% |
| 510000415 | XXXXX |  | XXX | Cash Out Amount | XXX | XXX | XXX | Per final CD, total cash out was $XXX. |
| 510000415 | XXXXX |  | XXX | Escrow Flag | XXX | XXX | XXX | Per final CD, an escrow account for property taxes was established. |
| 510000418 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | per appraisal is $ XXX |
| 510000418 | XXXXX |  | XXX | Property Attachment Type | XXX | XXX | XXX | Subject is semi-XXX per appraisal in file. |
| 510000418 | XXXXX |  | XXX | Cash Out Amount | XXX | XXX | XXX | Per final CD, cash out is $XXX. |
| 510000421 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | per appraisal, $ XXX. |
| 510000421 | XXXXX |  | XXX | Qualifying LTV | XXX | XXX | XXX | Loan Amount $XXX / value $XXX = $XXX% LTV. Audited figure matches lender's final XXX. |
| 510000421 | XXXXX |  | XXX | Qualifying CLTV | XXX | XXX | XXX | Loan Amount $XXX / value $XXX = $XXX% CLTV. Audited figure matches lender's final XXX. |
| 510000421 | XXXXX |  | XXX | Subject Property Type | XXX | XXX | XXX | Subject is a XXX PUD per the appraisal in file, PUD rider in file. |
| 510000424 | XXXXX |  | XXX | Cash Out Amount | XXX | XXX | XXX | Total cash out is confirmed from the final CD. |

---